23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received in the mail a debit card from Chase Bank, attached to a checking and savings account that I DID NOT open! I called the bank and talked to 3 different people and gave each of them my personal information. Someone indeed just recently opened those accounts but they wouldnt give me any information.I gave them the debit card number that was sent to me and was told to shred the card. I decided to put it all in my safe in case I needed it for evidence at a later time! Chase bank told me as long as that card is not activated that account can not be used. I was given numbers to XXXX, XXXX, and XXXX. I contacted XXXX and was asked a ton of questions about personal banking information like ; who do I have a car payment with and how much is my payment, what mortgages do I have, who are they with and how much! I went to my online banking and answered correctly the questions asked and at the end of our conversation was told that I couldnt be identified by my answers!!!! Im worried that someone had managed to get access of my personal information and use it for their benefit and lock me out!!!! XXXX told me to fax them a copy of my social security card, my drivers license, and other statements and questions! I am actually AFRAID TO DO THAT!!!! Im not sure if Chase was scamming me and gave me wrong numbers to the 3 credit bureaus!!! Right now I am extremely paranoid!!!!! Could you please advise me what else I need to do? Thank you Im advance!
Product: Debt collection

I have been called multiple times from different phone numbers matching my area code, usually in the XXXX  hours ( after XXXX ). When I call back, I am told that it is Portfolio Recovery. I do not owe any debts, and if I did, I wish to be notified in writing. When I pick up the phone, there is no answer whatsoever, for around 30 seconds and then they hang up. I am only aware that this is Portfolio Recovery because when I call them back, it goes to an automated system saying their address and information. This seems like an automated robocall. I have been added to the Do Not Call list. Obviously, without a way to be taken off of the list since no representative ever answers, I can not do anything and the calls come at very inconvenient times.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX, XXXXXXXX XXXX  XXXX - XXXX, CHILD SUPPORT ENFORCEM - XXXXXXXX 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 XXXXXXXX, XXXX - XXXX "
Product: Money transfer, virtual currency, or money service

I am filling 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 essentially unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Sct ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
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 the 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 not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. This leaves users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB Representative, I am filing this formal complaint against Experian for knowingly violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account under a different collection agency without proper verification. 

Background of Experians Violations : 1. I previously disputed a fraudulent collection account from XXXX XXXX XXXX, which was removed from my credit report. 

XXXX. Experian has now reinserted this same debt under XXXX XXXX XXXX without legally required notification or verification. 

XXXX. Experian falsely verified the dispute within three days ( XX/XX/year>, to XX/XX/year> ) without providing proof. 

I previously filed a complaint with the CFPB regarding Experians practices, and the CFPB referred my case to the Federal Trade Commission ( FTC ), which resulted in the removal of other inaccurate accounts. However, Experian continues to engage in deceptive practices, acting as if it is above the law. 

FCRA Violations Committed by Experian : Illegal Reinsertion of Previously Deleted Accounts : Under FCRA 611 ( a ) ( 5 ) ( B ), Experian must notify consumers within five business days if a previously deleted account is reinserted. They failed to do so.

Failure to Provide Proper Verification : Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to request detailed proof of verification, which they have not provided.

Pattern of Unlawful Behavior : Experian is already facing a lawsuit from the CFPB for these exact violationsre-inserting previously deleted accounts under different collection agencies without proper verification.

Immediate Action Requested : I demand that the CFPB take immediate enforcement action against Experian and require the following : 1. Complete removal of the XXXX XXXX XXXX account from my credit report within five ( 5 ) business days.

2. A full investigation into Experians unlawful reinsertion practices and a penalty for their repeated violations.

3. Written confirmation that Experian has removed this account from my credit file.

Legal Consequences if Not Resolved : If Experian fails to remove this account within five business days, I will : File a follow-up complaint with the
FTC for Experians continued noncompliance.

Pursue legal action against Experian for violating my rights under the FCRA.

Experians blatant disregard for federal law must be addressed immediately. I have already exhausted the dispute process, and they continue to act unlawfully. Please ensure this account is removed without delay. 

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

XXXX is Reporting False Information on my Consumer Reports Debt collectors are reporting on my Consumer Report I have asked for Validation from All Debt Collectors. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are Submitting letters by Mail stating I owe an Alleged Debt with there Office I asked for Validation with No Response. But a letter stating I owe this Amount.No Contract. No Payment History I have No Knowledge of these Alleged Debts.with these Debt Collector. I filed a Theft Report. With the FTC. For Identity Theft. I do not know of these Companies
Product: Debt collection

This card was not mine. I only had one Fortiva credit card and they attached two to my account which I never realised. Then kept taking payments and trying to overdraw my account. Then I got something from XXXXXXXX XXXX saying they owned this card and account that was not mine or opened with my permission.
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. 

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  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: Money transfer, virtual currency, or money service

On XX/XX/, I requested a wire transfer of {$75000.00} from my Wells Fargo account to a foreign account with a XXXX XXXX address. I am requesting that Wells Fargo deposit the this amount back into my account. 

I was led to believe that this account was legitimate, but I later learned that is was a scam. I have a copy of the wire transfer document. I have since learned that in fraudulent wire transfers, the party most Courts rule that the party in the best position to discover the fraud should bear the loss. Clearly, Wells Fargo is better equipped to identify fraud. 

XXXX attorney 's opinion You are right about the bank saying that this is their policy on all wire transfers. So it means that for your case they behaved exactly as they do with all the other cases - just formally, nothing else. And in XXXX out of XXXX transfers ( approximately of course ) it is a good legitimate transfer. So they don`t bother to do a detailed check. But your case was namely that XXXX transfer that they could stop and prevent you from losing your money. 
It wouldn`t take a long time for them. Just about XXXX minutes to understand this is a scam. If they didn`t speak to you if they didn`t ask you any detailed questions if they didn`t tell you something like " sir, we are sure that this is a scamming scheme, this company has no license, their website is only 3 months old, scam advisor rate is lower than 10 %, we definitely not recommend you to send them money '' then they didn`t do their job 100 %, and there are good chances to point them on their mistakes and get you compensation.
Product: Credit card

On the XXXX XXXX website, after I logged in as a Premier Platinum member, I got an offer on the screen asking me to apply for the Chase XXXX Explorers card, and offering me XXXX bonus miles AND a {$50.00} statement credit after my first purchase. I took a screenshot at that moment on XXXX/XXXX/16 of the offer ( which you can see in my image was to expire the next day ). I then filled out the application. I got an email confirming my application ( dated XX/XX/XXXX too ). I was later approved and got the card. After having it for some weeks and using it, I sent email to Chase asking when I would get the {$50.00} credit. They replied that they would not give me the credit because I did not apply " the right way '' on the XXXX site. I applied the only way offered, by clicking on the big button that is clearly visible in one of my screenshots. No error message followed, I got to the application and answered all their questions. I tried multiple times to get Chase to resolve this, and they refuse. They DO admit that I am owed the XXXX miles, which is stated on the screenshot offer too, and which was only offered to me once I logged into the XXXX site as Platinum member ( the standard offer on the general XXXX site was XXXX miles ). So they must admit that I applied through this offer, but refuse to give me the other marketed offer, the {$50.00}. They are simply refusing to honor their offer, fulfilled on my end exactly as directed on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit with XXXX, XXXX, and Transunion for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute on XXXX and followed up on XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sect ion 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable. Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction.

Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.
Product: Credit reporting or other personal consumer reports

I need this company to verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the XXXX XXXX XXXX. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness

, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Debt collection

The collection agency refuses to provide me any information on why they are contacting me. 

The rep did say it was related to my XXXX XXXX. XX/XX/XXXX, I contacted 5th/3rd bank and asked for a payout amount on my car loan. I issued them a check for that amount. Over 2 years later, they contacted me stating I owe an additional amount. 

I have made it very clear, I believe the loan has been paid in full and need an explanation of why they did n't contact me for 2 years and why they believe there is still a balance. They refuse to provide me any information.
Product: Debt collection

I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I sent a formal request to First Horizon Bank for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local NC laws regarding evidence that I have a contractual obligation to pay them the {$19000.00} auto loan that they are reporting to all XXXX credit bureaus under my social security number. 

Both times I sent the request, I received a letter back stating that they can not verify my identity although I have provided them with my full name, address, and social security number. Instead of First Horizon Bank doing the proper due diligence to investigate their violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they are stalling and are not conducting a fair and proper investigation. Under the FCRA & FDPA if they can not validate the debt that they are reporting, they must request that all XXXX credit bureaus delete the entry. By failing to do so, they are in violation of the FCRA & the FDPA. 

I have attached a copy of the listing on my credit report, and can provide a copy of the letters that I have sent them upon request.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a violation of my rights under the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe that the actions of [ Insert Creditor 's or Debt Collectors Name ] violate 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ).

Violation of 15 U.S. Code 1635 : Right of Rescission I exercised my right to rescind the contract under 15 U.S. Code 1635, which provides the consumer the right to rescind certain transactions, including home equity loans or lines of credit, within three business days of the transaction. I have made timely attempts to cancel the transaction, but [ Creditors or Debt Collectors Name ] has failed to acknowledge or process my rescission request in accordance with the law. [ Explain the situation briefly and any specific violations you believe occurred, such as the refusal to accept the rescission or failure to provide the necessary disclosures. ] Violation of 15 U.S. Code 1692g : Validation of Debt Additionally, under 15 U.S. Code 1692g, debt collectors are required to provide a validation notice within five days of their initial communication with the consumer. This notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that the consumer has the right to dispute the debt within 30 days. However, [ Creditors or Debt Collectors Name ] has failed to provide me with the necessary validation information after [ mention the date you first received communication or other relevant details ].

Despite my request for verification of the debt, [ Creditors or Debt Collectors Name ] has not provided any proper documentation and continues to pursue collection efforts without adhering to the proper validation process.

Requested Resolution I respectfully request that the CFPB investigate these matters for violations of 15 U.S. Code 1635 and 15 U.S. Code 1692g, and assist in resolving this issue by : Ensuring the right of rescission under 15 U.S. Code 1635 is honored, with the proper cancellation of the contract and return of funds if applicable.

Enforcing the validation of debt requirements under 15 U.S. Code 1692g, including providing the proper documentation within the stipulated time frame. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX  WORD AND EXPERIAN TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX  ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed