23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I sent my first zelle payment on XX/XX/XXXX and I got an email on XX/XX/XXXX from the XXXX XXXX  saying that the zelle payment failed and did not go through and that I would have receive funds back in my account in one to two business days. The email said there were XXXX different reasons why a payment would potentially fail : one was insufficient funds in the bank account, which I had about {$10000.00} in at the moment, another reason was wrong phone number or email of the recipient, but I had already sent zelle payment before to this person so that was not it, or some kind of system error, so that was definitely what happened here. Today is the third business day and I've still not received my funds back in my bank account. Because it was a system error I want Zelle to fix the problem and my money should not be held hostage for up to 10 business days or longer. I did a second zelle payment on XX/XX/XXXX and I went through immediately with no problem. Also When I reach out to the Complaint and phone number provided by zelle I am unable to speak to a human being And have very limited options And then I get hung up on by the system. We need to be able to speak to a representative from zelle For situations like this and others.
Product: Credit reporting

Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

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

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with XXXX XXXX that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of XXXX for the amount of what I thought was XXXX. As time went on I noticed that even with consistent payments my vehicle cost remained high. I tried refinancing through the company and getting a better interest rate. The company, Regional Acceptance flat out refused to work with me. I found someone to purchase the vehicle on a later date and was told they could not take over the loan. I then tried again to get my interest rate lowered. They refused. Ive looked into re-financing but because the loan terms are so high there is no way to fix the situation without getting into another bad loan. Ive tried to make principal only payments and was told that is also not an option. It would s now XXXX and I still owe {$11000.00}. When I make payments almost {$200.00} is applied to interest and then the rest goes to the principal. I will never have this XXXX car paid off applying most of the payments to interest instead of principal and they wont allow principal only payments in order to bring the interest down. How can this be okay. If there is a lawsuit filed I want my name on it. When I got the car I had just finished a bankruptcy and I am working diligently at maintaining a positive financial history. After 2 yrs of on time payments they should be willing to work with me. The payments are high and I am having a hard time maintaining the high payment. Especially with the rise in housing costs. Right now my son and I are XXXX  because the high auto payment is hindering my ability to pay for an apartment as well as feed my kid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.
Product: Consumer Loan

Santander Consumer XXXX has had my information for a warranty refund for over 2 months and even gave me the amount of refund on my cars warranty left that I traded. 
XXXX they even know the amount I 'm suppose to get which {$1000.00} and I was told XXXX weeks ago + that I would get the refund in 7-10 days. Now they are saying 8-10 weeks. This is unacceptable. Their customer service is very poor. I should not take over 2 months for me to get my refund when they got all the information from the car dealer that sold the vehicle to me over 3 months ago. I will never finance a vehicle through them ever again again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on multiple occasions on XX/XX/XXXX stating that I was a victim of their inquiry issue and the representative failed to honor the inquiry issue and failed to help me giving me terrible responses that didnt solve the problem. These are the following hard inquires : XXXX XXXX ( Finance ) XXXX XXXX, XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Bank ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX -TXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX -XXXX  XXXX, XXXX AXXXX XXXXL ( Finance ) -XXXX  XXXX, XXXX XXXX XXXX XXXX ( Auto ) -XXXXH ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. ( Bank ) -XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) -XXXX XXXX ( Finance ) XX/XX/XXXX -XXXX  XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

In XXXX and XXXX I was a victim of fraud. Someone stole my social security card and state ID, and then opened fraudulent accounts in my name. I have a police report when my identification was stolen.
Product: Credit reporting or other personal consumer reports

I used a mortgage broker ( XXXX XXXX ) to refinance my home in 2020. In the process, my mortgage broker told me not to pay my mortgage payment to make sure the numbers on the refinance paperwork are correct. I voiced my concerns about a late payment. The mortgage broker stated that I had nothing to worry about because the payoff payment would not be past 30 days. I believe that the mortgage broker failed to act in a timely manner, therefore causing Caliber Home loans to submit a negative report to the credit reporting agencies. I have had a late payment on my credit report for over XXXX years now. I have tried repeatedly to get the companies to correct their mistake with zero results. The negative report, that was not my fault, has damaged my ability to get the financing that would be available if not for the inccorect report. Please help me get this resolved.
Product: Checking or savings account

XXXX. Took 4 times from my account to the total of {$800.00} 3 withdraws of {$190.00} each and 1 {$220.00}. Total {$800.00}. I called XXXX the insisted I ordered it. I did not ever.then called bank.said they would look into it.after about 5 weeks I finally called no info yet from bank called again in 2 weeks. Bank tells me XXXX says I I ordered service, so the decision is in their favor, I loose XXXX dollars. Then my account was closed of 17 years., they wanted the money back after the temporary return of funds. I advised I was not going to pay its
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report that I believe is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

THERE AR A LIST OF INQUIRIES ON MY REPORT THAT I DID NOT APPLY FOR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER HAD OR GIVEN ANY CONSENT FOR THIS ACCOUNT XXXX NEVER HAD THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ARE REPORTING LATE PAYMENT THAT ARE INCORRECT
Product: Debt collection

FIRST COLLECTION SVCS reported to the credit bureaus a debt that was involved in identity theft and fraud. They never sent a notice to me by mail of this debt which I know nothing about instead they went ahead and reported it to the credit bureaus without proper notice which in itself is a violation under the FCRA and FDCPA. 


They can retrieve the police report Police Reports REPORT NUMBER : XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In complaint XXXX dated XX/XX/2017 this company responded to a complaint I filed with your bureau and advised that they would be removing the account from my credit as promised in the next credit cycle. To date that has still not happened. I have both contacted the company directly, and disputed online at least 5 times and each time the company replies that it is reporting correctly. This is still negatively affecting my credit, and stopping me from obtaining new credit/credit increases. It has negatively affected my interest rates. I don't know what other recourse I have. This is my third time reaching out to this bureau for this account to be removed as the company told me they would do, and then you as well.
Product: Checking or savings account

CFPB - and countless consumers laws i allege are being FRAUDULENTLY BEING IGNORED- so this is a request to BANK OF AMERICA TO RESPOND BY LAWS REGULATIONS DOBB FRANK ACT- CFPB RULES- AGAIN BANK OF AMERICA I ASK A RESPONSE OF A YES OR NO.

REQUEST : will BANK OF AMERICA STATE YES OR NO- that they have honestly responded accordingly to all banking consumer rights per below. THIS IS A YES OR NO REQUEST. 
Why? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Last 4 SS- XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND IM DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT
Product: Credit card

Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.
Product: Debt collection

XX/XX/2022 at XXXX Kansas Counselors XXXX called my workplace and left voicemails inquiring about my name. I have never once listed this number on anything medical or financial related, so not sure how it was obtained. This is not the first time they have called.
Product: Credit reporting or other personal consumer reports

Recently, I disputed several items on my credit report with all three credit bureaus asking them to conduct a thorough investigation in which they've claimed to have conducted an investigation. However, after conducting my own investigation, I discovered multiple inaccuracies that were not corrected. 

Specifically the following items have inaccuracies that remain on my credit report : - XXXX ACCT # XXXXXXXX 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 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 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 XXXX XXXX In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX XXXXXXXX account # XXXX, XXXX  account # XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX  XXXX account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I made a purchase with my Venmo Credit Card ( Synchony bank ) on XX/XX/ for a hot tub/spa from a company called XXXX out of New Jersey with a home office in the XXXX. The purchase price was {$590.00} and the promised delivery was 3-5 business days within the continental USA which I do reside. After a few weeks of checking up on the shipping only to get false shipping numbers, I contacted the company to request cancellation of the order and a full refund. As the product had not yet shipped they agreed to refund the full {$590.00}, they provided documentation to show $ refunded however this money never showed up in my Venmo credit account, Venmo account PayPal credit or PayPal account. The result of Venmo/Synchony banks investigation was that the company never replied and since 1year had now passed thats all they could do and my complaint was considered closed. I easily made contact with XXXX customer service who provided a document with a transaction number showing the money was refunded. As XXXX position is that the money left their account into Venmo/PayPal/Synchony banks account that I would need to recover the money from them. My second attempt to provide this information to Venmo just triggered another complaint/investigation. Im sending them all documents, screenshots etc. to both email, and XXXX XXXX to ensure they receive it. I dont know where the money went but Venmo/PayPal/Synchony together and separately can only confirm what I already knowthat its not in my account. Im sure an audit of their books would show a payment from XXXX for {$590.00} but no customer that was provided that refund.
Product: Checking or savings account

My mother opened an CD trust in my name for $ XXXX@ 11.75 % for 3yrs in 1981 with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She lost track of CD until recently. We tried to cash in CD at Chase Bank, who now owns XXXX. They said they had no record of CD, or of my mother or myself ever having an account there. I have the physical paper CD, which was required to be returned, when cashing it in.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name 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 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 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 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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my experience report on XX/XX/year> and noticed some things are not complete and, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.