23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone numbers XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB funding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Had an XXXX with XXXX financing back in XXXX. XXXX got repossessed and was told they would auction it off and if it sold for what I owed I would be clear. Havent heard anything since XXXX and in XXXX of XXXX theyve randomly started reporting on my credit that it is a charge off account and it has shot my credit. Confused as to why I never received anything through the mail about this years ago for them to all at once report this to my credit.
Product: Debt collection

I have been making numerous attempts on calling back a debt collector ( XXXX XXXX ) with no responses back. My calls have been going out since XX/XX/2021, No physical person to speak to. I left a message to have someone call me back to see what this debt is about. 

still have yet to receive any answered phone calls or returned calls from XXXX XXXX 
was listed to call Capital One which I called 4 times before getting someone finally yesterday XX/XX/2021. I gave them my information and they said they have no history of any debt. So why does it show up >?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called XXXX immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me XXXX after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, XXXX separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over XXXX points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards XXXX which I had no problems previously XXXX and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that XXXX should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Bank responded, once again, my complaint does not belong to them. 

Then, how they explain their own First Bank letter from their own attorney, sent by First Bank as an official response, included here, where they assume all the representation of Banco Santander Puerto Rico, including in this case I presented, in spite the evidence shows is impossible, because the Fair Credit Reporting Act Violations where committed by Santander, as well as Fair Debt Collection Practices Act violations? 

My response to this question, is included, and is directly related to the sale of Banco Santander Puerto Rico to First Bank, who bought it for {$1.00} XXXX dollars. 

First Bank forgot their client, and probably many others, in exchange for this agreement of {$1.00} XXXX dollars.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capitol one failure to deposit my direct deposit from my employer and any other incoming deposits Capitol one has cited technical issues which may violate the electronics funds transfer act ( EFTA ) as it requires timely access to funds. 
This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you!
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 XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 XXXXXX/XX/XXXX 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

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Product: Money transfer, virtual currency, or money service

Unfair Blocking of Zelle Account Details of the Problem : I was unfairly blocked from using my Zelle account, which I primarily use for legitimate transactions such as paying rent and transferring money to my family ( my parents and sister ). Below is a detailed account of what happened : 1. I had an issue with XXXX XXXX XXXX that caused my phone service to be disconnected. This prevented me from receiving verification codes via text to access my Zelle account. 
2. During this time, I was moving to a new place and needed to pay my rent using Zelle. I attempted to use my email address to log in, but it didnt work. 
3. I eventually resolved the issue with XXXX XXXX XXXX after filing a complaint with the FCC ( I have email correspondence to verify this ). 
4. Despite resolving the phone issue, my Zelle account was blocked a week later without any clear explanation. 

Since the account block, I have made multiple attempts to resolve the issue with both Zelle and my bank, including : Calling and visiting my bank multiple times. I most recently visited the bank in person 4 days ago to try to resolve the problem. 
Communicating with Zelle support via direct messages and emails, but I have not received a clear resolution. 

The block has caused significant disruption to my life. My Zelle activity has always been normal and within their terms of service. 

Attempts to Resolve the Issue : I have spoken with my bank and Zelle support multiple times. 
I sent an email directly to Zelle explaining the situation. 
I have direct message correspondence with Zelles support team. 
Despite all these efforts, the issue remains unresolved. 

How This Has Impacted Me : I was unable to pay rent on time during a critical period of moving to a new residence. 
This ongoing issue is causing stress and disruption in my daily life, as I rely on Zelle for routine and essential financial transactions. 

Requested Resolution : I respectfully request : 1. A thorough review of my Zelle account activity to confirm that it complies with their terms of service. 
2. Immediate reinstatement of my Zelle account.

3. A detailed explanation of why my account was blocked to prevent this from happening again. 

Supporting Documents : I am prepared to provide : Email correspondence with the FCC and XXXX XXXX XXXX regarding the phone line issue. 
Proof of communication with Zelle support via email and direct messages. 
Bank statements showing typical Zelle transactions.
Product: Payday loan, title loan, personal loan, or advance loan

When XXXX  sold my account to servicing solutions, my loan balance increased from XXXX to XXXX. With XXXX  I got a XXXX  year loan back in 2014 so it should have been paid off by 2024. When I spoke to servicing solutions, they told me my balance was XXXX and would not be paid off until 2030 which doesnt make sense.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received notice of a late payment from XXXX XXXX XXXX XXXX being posted to my account. Paid a day late due to me being out of the country. 

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 it states, I have a right to privacy. Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Deletion of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent accounts and inquiries that appear on my credit report as a result of identity theft. Attached is a copy of my FTC Identity Theft Report ( Report Number : XXXX ), which serves as official proof that I am a victim of identity theft. 

Fraudulent Accounts & Inquiries : 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 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), I am requesting the immediate deletion of these fraudulent accounts and inquiries from my credit report. Under this law, you are required to block this information upon receipt of appropriate documentation, and I have provided my FTC Identity Theft Report as sufficient evidence. 

Additionally, under 15 U.S.C. 1681s-2, the credit bureaus must ensure the accuracy of credit reports. Reporting different account statuses across the three bureaus constitutes inaccurate reporting, further violating federal law.

Actions Required : 1. Immediately remove all fraudulent accounts and inquiries listed above from my credit file.

2. Provide written confirmation that these items have been permanently deleted.

3. Refrain from reinserting any fraudulent information into my report. 

Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I am also prepared to take legal action to enforce my rights under federal law. 

This letter serves as my official notice. I expect compliance within the legally mandated timeframes. Please confirm receipt of this dispute and provide a response in writing. 

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

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

Navy Federal CR UN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX : XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. 
To Whom it May Concern : I recently reviewed my credit report and discovered the following erroneous item ( s ) : PROSPER account number : **** This account is marked as 150 days late. I've never been late on this account. 
I request that you VERIFY this information and give me with copies of any paperwork related to your investigation. In the absence of such verification, I formally request that this information be immediately removed from the credit file you keep for my Social Security Number. 
Finally, please erase any non-account holding queries older than 30 days and apply a promotional suppression to my credit file. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a request to remove a dismissed bankruptcy on my credit file o XX/XX/2018 and they signed for it on XX/XX/2018 which I have proof of them receiving and signing for. I then sent a follow up letter on XX/XX/2018 requesting that they remove it due to not responding in the allotted time frame of 30 days and they sent a letter explaining the investigation procedures on XX/XX/2018. They violated the law FCRA and must by law remove this item.
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 {$4700.00}. 
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 Apr XXXX, 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for allowing someone to continue to abuse my credit score unfair treatment and abuse. I'm sick and tired of Experian being prejudice. i submit the proper evidence. example I started car loan XX/XX/year> XXXX XXXX XXXX paid then XXXX late XXXX  is XXXX late. If XXXX XXXX and XXXX was paid. Experian is emotionally and mentally breaking me down it's been years of abuse in the hands of Experian. I have rights to I'm not just a XXXX. I have hundreds of copies of me asking Experian to stop punishing me for someone else they drop my score XXXX points base on XXXX ethnics then think I aint XXXX and give me XXXX points. Ima fed up and requesting every single copy of request to Experian me asking for equal judgement and fair treatment since XX/XX/year>. Its not what u know its who u know and yesterday I was given my transcript of payments from the XXXX I filed already with the general attorney the fcc the consumer affairs not the XXXX they help them cover their XXXX up I will use this copy attach to all company and like to request a printed copy of complaints from me to CFPB to XXXX and about Experian. This woman stealing money out my account unauthorized that's bank robbery. she a scammer she rejects payment has XXXX XXXX different acct numbers she got into anyway I'm done. I have audio of this woman deliberately lying to get Fianacial gain. Thers laws and rules
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 institute 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 CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.