23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a medical emergency from XX/XX/XXXX and I had to use the XXXX XXXX from my city. At that time I had medical and when the bill came I sent the XXXX XXXX my information and I never heard from them again until Summer of XX/XX/XXXX, but I got contacted by XXXX XXXX XXXX in the city of XXXX. I spoke to a person named XXXX XXXX and she was very rude and was talking down on my personal life. I had just came back to work in XX/XX/XXXX due to being on XXXX leave and I explained that to her she did not care nor try to work with me. Her words did affect me emotionally due to the fact that I had just XXXX XXXX in XX/XX/XXXX. I refused to speak to her since she was very disrespectful and also harassing my job, so I asked to speak to someone else. I got transferred to someone else and I explained to them my situation and I told them that I needed to reach out the social worker and ask if they can pay for that balance since I was covered, so when I called the Medical Offices they said they were able to pay for it and then a couple days later I got a call from my social worker saying that unfortunately they weren't able to pay for the balance. I called XXXX XXXX XXXX to let them know about the case and I explained to them that I didn't have money and that I was going to talk to my social worker to see what can they help me with he said it was fine and to call back once I was ready. I called them on Friday XX/XX/XXXX and told them that I only had a certain ( {$1500.00} ) amount that I can give them the person whom I spoke with her name was XXXX she put me on hold and said she was going to speak to her supervisor, when she came back to the line she said that they can help me by paying off the debt with only {$2000.00}, but I had to take in cash to their office. I told XXXX I didn't have that amount I only had the {$1500.00} she then put me on hold again and said she will ask her supervisor. When she came back on the line she repeated that they could only do the {$2000.00} and in cash only. I told her I can perhaps do {$1700.00}, but I would have to borrow the extra {$200.00} to make it {$1700.00} she said that if I had the {$1500.00} in cash and the rest can go on someone else 's credit card, but it had to be the {$2000.00}. My battery phone died and I didn't get a chance to finish the conversation with her. I found it a little odd that they asked for only cash, so I decided to call the Better Business Bureau and when I checked their Scam Tracker their Zip Code came out. I called the BBB on Monday XX/XX/XXXX and they said that they have about 9 complaints from that company and that their mail keeps getting returned back to them. I am not sure if I should go ahead and pay them because I do want to buy a home in the near future and I don't want my credit score to get jeopardize due to that company. Thank you.
Product: Checking or savings account

The problem started with someone trying force a electronic check through my account I don't recognize or I don't know and I told this arvest bank and we discovered I had identity theft but the problems kept growing because of {$1500.00} electronic check that was passed through my account and then I was trying barrow enough money from these payday loans places to cover it but my bills kept adding up and piling up because of this identity theft problem so I went everyone told them about it ask for personal loan I couldn't get because because of lying cheating credit bureau using inaccurate information they gather on me
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this my official cease and desist notice. Please cease all communications immediately through any form of communication. Under 15 usc section 1692 a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Which also includes the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Crypto.com DOES NOT tell the truth about transfers. I have purchased crypto several times and then requested a withdrawal. The funds then are deducted from my account but are not sent. When asked, customer service says it is in a " pending '' status. This is not true and can be proved false by a simple blockchain scan. They are unable to provide a transaction ID or hash for any withdrawals. This problem can last for hours with no recourse. Due to the volatile nature of cryptocurrency, this often leads to price fluctuations and losses. However, when the price is rising, the funds are always sent instantly ; this leads one to the conclusion that this is a deliberate scheme to leverage the market value when you request a withdrawal versus when it is sent by Crypto.com. 

The most recent example was on XXXX. Crypto was purchased at roughly XXXX and then withdrawn at XXXX. Except the money was never withdrawn, and I was told to wait " 2-3 hours. '' As of XXXX I am still waiting. Their support app offers no connection to a live person, only a chatbot. Furthermore, the app does not let you take screenshots of customer service chats, which is a huge red flag. 

If this were a XXXX payment or ACH transfer, and a bank simply didn't send it, lied, and told somebody to wait " XXXX hours '' with XXXX proof, you'd call it a scam.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 I use my debit card with Bank of America to pay ( XXXX XXXX by something on XXXX! After I make a payment and I dont receive my stuff! I already have the report from the police department and XXXX company! XXXX want Bank of America get my money bank from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase.

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on XXXX, Equifax, And XXXX 

XXXX {$780.00} XXXX XXXX  XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns regarding Zelle 's management of dispute resolution, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes significant deficiencies in the platform 's operations. 
Despite using Zelle on numerous occasions and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit vulnerabilities in the system, putting users at risk of fraud. 
This lack of accountability and transparency is deeply concerning and raises serious questions about the platforms commitment to consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries wasnt authorized by me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I fell victim to two multi-layered scam operations run by store XXXX which involved me making deposits for a total amount of XXXX USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.
Product: Checking or savings account

My father designated his accounts split XX/XX/50 payable upon death to my sister and me. He bought a CD at Wells Fargo in the amount of {$160000.00}. Wells Fargo removed the Payable Upon Death beneficiary designation without informing my father on the CD. Consequently, Wells Fargo has held my fathers money for two years now in a subpar CD rolling over, refusing to pay it out, after his death. My Dad was XXXX XXXX XXXX. There was no way my Dad knew Wells Fargo removed his beneficiary designations when he bought the CD. That was specifically AGAINST his wishes!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I have been working on a few accounts that have incorrect and out dated information reporting. Even parts of Experian 's response indicates the accounts should be removed this month but yet they still report. XXXX XXXX partial account number shows XXXX ... shows it was 180 days as of XX/XX/XXXX but nothing prior to that and it's a very old account. There are two XXXX XXXX both showing a partial account number of XXXX that actually state they are to be removed XX/XX/XXXX and yet they are still reporting. Two XXXX XXXX XXXX partial account numbers XXXX & XXXX should both be removed. Account number XXXX only show the account was charged off in XX/XX/XXXX but not when it initially became late. Note all of the above accounts the first delinquency occurred in XX/XX/XXXX there for making it 7 years. There is also a XXXX  XXXX XXXX account that shows the first delinquency in XX/XX/XXXX again past the statue and the partial account number is XXXX. I really need your company 's help with getting them removed due to the statue of limitations.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of XXXX XXXX XXXX XXXX Dear Equifax Dispute Department, I am formally disputing the reporting of XXXX XXXX XXXX XXXX on my Equifax credit report. After reviewing my credit file, I have identified multiple violations of federal consumer protection laws, specifically : 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies are prohibited from disclosing my personal financial information to third parties without my explicit consent.

Equifax has failed to provide proof that I authorized XXXX XXXX XXXX XXXX to report this account on my credit file. 
Resolution Demand : If Equifax can not provide signed documentation proving my consent, this account must be deleted immediately from my credit report.

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The Fair Credit Reporting Act ( FCRA ) 1681b restricts credit reporting agencies from furnishing consumer reports without a valid permissible purpose. 
Equifax has not provided evidence that XXXX XXXX XXXX XXXX had a legitimate reason to report this account. 
Resolution Demand : I request that Equifax provide verifiable proof of permissible purpose, including : Signed authorization allowing XXXX XXXX XXXX XXXX to report this account on my credit file. 
Details of the verification process, including how this account was validated. 
If Equifax can not produce this information, this account must be deleted immediately.

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Unauthorized and inaccurate reporting of accounts constitutes identity theft under 18 U.S.C. 1028A.

If Equifax is reporting an incorrect or fraudulent account, my consumer rights have been violated.

Resolution Demand : If Equifax can not 100 % verify the accuracy of this account through signed contractual agreements, it must be removed immediately, and a fraud investigation must be conducted.

Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally demand that Equifax conduct a reinvestigation of this account within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and will consider legal action under FCRA 616 & 617, which entitles me to statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of this account within 30 days. If Equifax continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX account XXXX, XXXX XXXX XXXXHAS Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions.

15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s -2 [ A ] { 1 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Money transfer, virtual currency, or money service

I trust this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account, registered under the email address XXXX. I firmly believe this restriction has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a dedicated PayPal user for an extended period and have consistently complied with PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is important to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough review of my case, carefully considering the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient transactions, as I have done in the past. 

I sincerely appreciate your prompt attention to this matter and kindly request that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Student loan

I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX XXXX bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX  never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE