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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I accidentally sent over {$130.00} to the wrong individual.
Product: Credit card or prepaid card

My complaint is to get the rewards dollars of {$830.00} back. 

I am an active Amazon XXXX member using Amazon XXXX XXXX XXXX issued by Synchrony Bank to shop at amazon.com. On XXXX/XXXX/2020, Synchrony Bank closed my Amazon XXXX XXXX XXXX account without noticing me first and the reward balance of {$830.00} was forfeit. The reason was " high risk of failure to pay ''. As a matter of fact, I held this account for more than 1 year, and I paid every single bill in full on time without any default. At the time when my account was closed by Synchrony Bank, there was even not a debit balance. 

I called the Synchrony Bank customer service twice. I got the same answer from them. They claimed that once my account is closed, the rewards are forfeit and can not get them back. All the {$830.00} rewards were earned when my account was active, and I already paid the bill before my account was closed. Especially, earlier in XXXX, many items were advertised to have 10 % ~25 % cash back to Amazon XXXX XXXX XXXX XXXX I shopped and paid the bill, but the rewards were forfeit. This is not acceptable!
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 process 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, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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

I am writing to you to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFFB lawsuit highlighting significant issues with the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are constantly being violated & disrespected by Experian credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I checked my Transunion report and found something odd : they say I missed two payments on an account I always pay on time. Consumer Reporting Agencies are supposed to get things right, but it seems there's a mistake here. I've never been late with payments for this account XXXX Account Number : XXXX. I am submitting proof that XXXX and XXXX are reporting the status of Paid as agreed and Current. 

Please see attached screenshot. 

I need those payments fixed to show they were on time, because they were. Thanks for sorting this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern! I XXXX XXXX XXXX pulled my credit report on XX/XX/2023 and seen on my Experian credit report my personal information was reporting inaccurate. I then sent a dispute letter on XX/XX/2023 to current my personal information via certificate mail with proof of my government ID and proof of residency of my bank statement & I also called on several occasions to correct it. Experian claimed they fixed it but when I look at my credit report my name is still reporting inaccurate. It should only be XXXX name on my credit report not XXXX names. I stated this in writing and over the phone when I looked at my credit report my name is still inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am extremely upset with Transunion, XXXX and XXXX. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And Transunion, XXXX and XXXX continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all 3 credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where TransUnion, XXXX  and XXXX are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : XXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX {$740.00} XXXX XX/XX/XXXX XXXX   XXXX/XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX {$6000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX XXXX   XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate vice president chief legal officer XXXX XXXX XXXX TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice  President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profiremovalle. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$880.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax explaining that someone has taken my identity and has been attempting to open accounts in my name. I did not do this & have no knowledge who did this.
Product: Credit reporting or other personal consumer reports

I called Equifax 3 times on XX/XX/XXXX to address my credit report that shows no credit line history at all! XXXX and XXXX properly reports all of my credit cards on their credit history. My resolving credit line information was correctly reported on Equifax credit reports last year in XXXX, but now it is blank. Equifax reps all claim that since my credit line history is now blank, they can not dispute anything and to reach out to my banks to send the information. My banks already confirmed that all XXXX credit reporting agencies are receiving the information. It is improbable that all my banks stopped sending the information only to Equifax when my banks ' reps all confirm that they do on a monthly basis ( e.g., after billing cycle ends or every XXXX week of the month ). 

At least XXXX of my credit lines was incorrectly reported on a relative 's account who disputed it back in XX/XX/XXXX and had it correctly removed from their account, but that credit line was never properly placed back into my credit history file. In fact, now all of my revolving credit line history is gone! Equifax reps and supervisors are refusing to look into prior disputes on other accounts that are related to my credit lines and how all of my resolving credit lines are missing. Even after asking the relative to call and get the dispute number from last year to help Equifax track down XXXX of my missing credit lines, Equifax said that they can not open up the dispute to investigate! They claim that all of my credit card issuing banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) have never sent them my information when that is false because they were all there on a prior Equifax report last year! 

Equifax refuses to own up to the problem that's caused on their end and keeps telling me to contact my banks and stonewalling me. Their dispute resolution process is unhelpful and is jeopardizing my mortgage loan. I need to close on my first home in less than XXXX  days and my loan XXXX is saying that I need a credit score from all XXXX credit reporting agencies in order to qualify for the loan. Equifax failing to address this issue on their end that may prevent me from closing on my house in time and lose my home.
Product: Credit card

I have attached the letter I sent to Citi Executive Response Team below stating the facts. 
" PeterBasil XXXX # XXXX XXXX, XXXX CitibankN.A. 
XXXX, SiouxFalls, XXXX Subject : FormalDisputeResponseRegardingMisrepresentedClaimsand3 % SurchargeDispute CitiReferenceNumber:XXXX XXXXXXXX XXXX XXXX ending in XXXX To The Citi Executive Response Team Iamwritingtoformallydisputethefalseclaimthatmypreviouslydisputedchargesweremisrepresented.ThisassertionisutterlyfalseandinvalidpursuanttoCaliforniaStateLawSB478.Mydisputewasstrictlyandexplicitlyregardingtheunlawful3 % surchargeappliedtothetransactionsinquestion. 

Ihaveattachedcopiesoftheinvoicesforthedisputedtransactions, whichclearlyindicatethe3 % surchargeappliedtoeach.Asyouareaware, XXXXprohibitsbusinessesfromimposingsurchargesoncreditcardtransactions, makingthesechargesunlawful. 

Themisrepresentationclaimputforthagainstmeisnotonlyunfoundedbutalsodetrimentaltomystandingasaresponsiblecardholder.Ihavemaintainedanexcellentcreditrecord, havenevermissedapayment, andhaveactedingoodfaiththroughoutthisprocess.Iexpectthatthismatterbethoroughlyreviewedandresolvedinamannerthatupholdsconsumerprotectionlawsandmyrightsasacardholder. 

Inlightoftheprovidedevidence, Iformallyrequest : Acorrectionofanyrecordsorreportsthatfalselyclaimmydisputewasmisrepresented. 

AformalresponseclarifyingthebankspositiononcompliancewithXXXXandthehandlingofsuchsurchargedisputesinthefuture. 

Credit of Reward Dollars {$3800.00} owed to me as of XXXX statement due in XX/XX/year>. 

Failuretoaddressthismatterproperlymaywarrantfurtherlegalactionorescalationtotheappropriateregulatoryauthorities.Irequestawrittenresponsewithin14businessdaystoconfirmtheresolutionofthisdispute.

Pleasedirectanycorrespondenceregardingthismattertothecontactinformationprovidedabove.

Sincerely, XXXX Enclosures : Copiesofinvoicesshowing3 % surcharge. 


Copy : TheConsumerFinancialBureau, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I decided to check my credit report mid year of XXXX. I noticed an account from XXXX  that did not look familiar. I searched XXXX and found it to be a furniture store. My main furniture was purchased from an auction in XXXX  including my couches and dining room table. Anything else was purchased used. I tried calling my credit agencies asking about an address XXXX XXXX XXXX XXXX XXXX AZ XXXX as I have never lived here. Ive also never had any mail updated to this address and I do not know anyone that has ever been connected to this address. I was informed to call XXXX fraud dept through XXXX XXXX and received confirmation that my fraud packet was received on XX/XX/XXXX and to allow time for review. I provided ALL details including my police report and report # XXXX, Fraud victims with FTC # XXXX, and the Identity theft complaint and affidavit requested by XXXX signed and notarized, drivers license ect. I had not heard from XXXX  as advised so I reached out to them on XX/XX/XXXX and they responded on XX/XX/XXXX explaining that they have sent me a denial letter on XX/XX/XXXX which I have not received explaining that the account that was opening in XXXX matched my signature on the documents provided by me, phone, email, and address. This is false. My email XXXX was created in XXXX. Ive lived at XXXX XXXX XXXX XXXX XXXX in XXXX and still do now. My phone # has not changed but still would not be associated with this XXXX  account unless XXXX chose to update my information from XXXX to now based on the background check of my name and demographics. I have asked XXXX  to provide me with this so called proof that the information from this XXXX agreement matched the information from my back ground check and they informed me that they are only able to provide this information to the police. Before I submit a court complaint, I am requesting someone with minor education to review this account. I need to know all details associated including what was ordered with the {$5000.00} plus dollars used. Did someone pick up the merchandise? Was it delivered? Who signed for it? What was ordered?. If my dispute was declined I will need a lot more than what XXXX fraud department is choosing to provide to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, 2020. XXXX XXXX : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.