23daVinci/CFPB_Complaints huggingface dataset:
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 institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. 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.
Product: Credit reporting or other personal consumer reports

I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On approximately XX/XX/22 I entered my banking information on an online portal for reimbursement of XXXX XXXX XXXX XXXX XXXX XXXX  The reimbursement institution is XXXX. I made an error on the account number, transposing XXXX numbers. The transaction was authorized and apparently processed into the wrong account at my bank XXXX XXXX ( Texas ). At that time, I began petitioning XXXX to reverse the transaction and correct it, which they have agreed to do and have given me timelines for which I should see the money redeposited into the correct account. After over a month of pursuing this and not seeing the correction, I learned there was a third party, Transcard, in charge of the actual transaction of over {$3000.00}. I began the same process with Transcard, and again, was assured that the correction would occur and given timelines for checking to see if the correction was made. As of today, the correction has not been made, I have been unable to speak to supervisors at either institution and no longer have any trust that they are working on the issue. I did contact my bank and found that they could not provide me info due to protection laws for the other customer, but they did draft a letter, asking XXXX and Transcard to simply recall the funds so that the correction could be made. 
The failure to respond to my request or to simply answer questions so that I could know XXXX XXXX to take is blatant. There is a definite pattern of not responding, or providing inaccurate information that appears to show negligence in correcting the error. I have made numerous calls to both entities and although they promise to call me back, that has most often not been the case. I can supply emails, notes and XXXX bank 's documentation to show my efforts, along with a log of calls I have made. Please note that the documents I am attaching are not exhautive, but a few of the interactions. I have further documents if needed.
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE EQUIFAX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE XXXX DATA BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS XXXX  BILL WAS XXXX AND WAS ADDED TO MY CREDIT REPORT WITH A XXXX DATE!!! THIS IS NOT TRUE AND ID FRAUD. 
This letter is response to your correspondence concerning the above referenced account. I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}.
Product: Checking or savings account

When will this bank give me proper accurate information their customer service keeps giving me wrong information I just want my debit card to be contactless tap to pay as they offer on their credit cards I just dont understand why they dont yet have them on the debit cards and they tell me its offered but when they send me a replacement it has a boring chip its time for them to upgrade their technology espicwlltnwith pandemic
Product: Bank account or service

Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.
Product: Debt collection

I am writing to inform you that my wallet was lost or stolen and my identity may have been compromised. I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX around XXXX2021.I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity fraud. I am taking steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter I am willing to prosecute.
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 in their platforms, 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 Regulations 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

RMP Services is a collection agency for medical bills. I have been trying to resolve this by calling them multiple times but their telephone lines never work. It is against the law for medical bills to impact your credit score and be reported as delinquent. I have insurance and had insurance at that time and they have not allowed me to go through my insurance instead of paying the full amount which I should not because that is the whole point of insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and ONLY Experian shows 14 accounts that are not mine. addresses phone numbers names and employers that are not mine. They state they mixed up my report with someone else. This has dropped my credit score from XXXX to XXXX! I also can not access their online tools to dispute as I can not pass the verification as none of these accts are mine.
Product: Prepaid card

My dad received the cards at work during a holiday, tried to use them, couldn't use them anywhere he tried in XXXX, then gifted them to me a few months later. I forgot about them, then I tried using them online a few times without success and would try again on & off over time. 

For example, on XX/XX/XXXX, I tried paying for a successful bid on XXXX using one of the {$100.00} Amex Gift cards I had. It was denied and given a pending charge that disappeared after about a week. I had to use my credit card to pay XXXX instead. 

During the end-of-year holiday season of XXXX, I tried to top off my XXXX gift reward balance using XXXX of the cards ( XXXX, XXXX, XXXX, XXXX, XXXX ) for XXXX gift card orders. They were each given XXXX pending transaction for adding the card to my XXXX account and another XXXX for placing a gift card order. With another XXXX cards ( XXXX, XXXX, XXXX, XXXX, XXXX ), I tried to add them to my account just like any other credit card. Amex Gift Card support states to use them like you would with any credit card. After about XXXX weeks, the pending charges cleared on all of them, but when I tried using the first set of XXXX cards, they were immediately denied instead with no more pending charges. When I used the XXXX card to try an XXXX order, I was given a {$.00} pending charge, that would go away after about a week ( before and after images included in my documents ). I could not complete any orders on XXXX with these cards even after the waiting period. 

I tried paying for XXXX XXXX using one of the gift cards and it was denied immediately. This would've been a fantastic way to purchase a XXXX, with a gift card being second to cash. 

I could not add the gift cards to my XXXX or XXXX. 

I checked on internet forums such as XXXX and websites like Consumer Affairs. Many people suggested what was already tried above. 

Whenever I called Amex Gift Card support, it was very difficult to navigate their system to reach human support. When I did manage to reach someone, it was as if they were reading a script. For example, they suggested using it in person, even though I stated my attempts to use it either in-person or online through a variety of different vendors. 

The product that claims it " can be used virtually anywhere American Express Cards are accepted in the U.S. '' I can not use an American Express Gift Card anywhere American Express cards are accepted. I just want to be able to completely use up the balance on each of the cards completely, but I can't use a dollar off any of the cards. Please, I just want to use my gift cards to buy things simply as advertised by the company.
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 Account Number : XXXX Account name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

This company constantly calls my relatives, I have spoken to the man twice now ( today and on or around XX/XX/2020 ) and told him not to call my family or discuss this debt with anyone other than myself. He tried to negotiate payment with my father without my consent, my father is an older gentlemen and was absolutely horrified. He has also left messages saying that I am being charged with fraud and other threatening things. These calls are being left on the voicemails of my family. I am tired of being harassed by this company and certainly dont want them harassing my family members
Product: Debt collection

This is complaint in regard to SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX. 

Above financial entity pretend to be Holder in due course to my Mortgage/Note instrument produced XX/XX/XXXX between me ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) and XXXX XXXX XXXX. 
Above Mortgage has start to be foreclose on XX/XX/XXXX in XXXX. XXXX County Circuit Court commenced by XXXX XXXX  XXXX ( which has been proven of wrongful foreclosure practice in XXXX  state ) During that time various financial entity ( in fact dept collectors ) present themselves as consequent assignee of Mortgage/Note instrument. In XX/XX/XXXX Shellpoint present themselves as such. 
During that time I am in dispute communication letter pursuant to 15 USC 1692 et all. 
No mention of fact that Shellpoint has disrespect 90 % of my QWR request, also have diversifies my attention/respond and communication to 5 different addresses to which I had try to keep up with my consistent defend position. 
Addresses to which I had to keep up my effort. 

1 ) .... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX   XXXX. 

2 ) ... ... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX. 

3 ) ... .. SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4 ) ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regardless to QWR full cooperation/respond refusal, Shellpoint produce its statement on XX/XX/XXXX that XXXX XXXX XXXX at, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is the owner of purported loan See attachment 1st page. 

In letter XX/XX/XXXX XXXX made statement that XXXX XXXX XXXX at, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is owner of purported loan See attachment 2nd page. 
In XX/XX/XXXX Shellpoint pursue Court enforcement action with Shellpoint affidavit doc. etc all. However course of action/court order revile its true attorney representation ( false  representation in fact ) which is Not Shellpoint but XXXX XXXX entity. See attachment 3th page. 
All of the above cause total confusing and misleading homeowner of available remedy and/or rightful defense venue, lost by now by Shellpoint misrepresentation of facts, misleading information and diversification of attention with timely manner communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION ARE REPORTING ERRONEOUS BANCRUPTCIES ON CREDIT REPORT. AFTER CONTACTING XXXX XXXX, IT WAS DISCOVERED THAT THESE BKS DID NOT BELONG TO XXXX XXXX. THESE WERE FROM EX-SPOUSE WHO OWNED A BUSINESS IN HIS NAME AS A SOLE PROP, XXXX XXXX DID NOT FILE FOR BK XXXX OR BK XXXX AND NEVER OWNED A BUSINESS. 
AFTER DISPUTING THESE PUBLIC RECORDS WITH XXXX   AND TRANSUNION WITH PROOF OF THEIR WRONG REPORTING, XXXX  RESPONDED WITH STATEMENT THEY HAVE CONTACTED THE COMPANY REPORTING THESE ( US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) SEE ATTACHED- WHO CERTIFIED TO THEM- XXXX THAT INFORMATION WAS CORRECT ... AFTER CONTACTING THE US BKPT COURT, IT WAS STATED IN WRITING THAT THEY DO NOT REPORT OR VALIDATE THIS INFORMATION TO XXXX. THUS, VALIDATION STATEMENTS MADE BY XXXX IN WRITING ARE FALSE AND ARE IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON MULTIPLE COUNTS. 
TRANSUNION IS STILL REPORTING THESE ON THE REPORT AND STATED THAT FURNISHER HAS NOT RESPONDED TO THE DISPUTE WHICH WAS MADE BACK ON XX/XX/XXXX, HAS PASSED STATUTORY AMOUNT OF TIME REQUIRED FOR THE CREDITOR TO RESPOND TO THE DISPUTE THUS, ALSO IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
PLEASE HELP TO KEEP CREDIT REPORTING AGENCIES IN COMPLIANCE AND STOP THEM FROM INTENTIONALLY DAMAGING CONSUMERS ' CREDIT REPORTS AND RATINGS US BKPT CT CA XXXX XXXX Identification number XXXX US BKPT CT CA XXXX XXXX Identification number XXXX
Product: Credit reporting or other personal consumer reports

My XXXX  credit report and only my XXXX  credit report has had an incorrect and illegitimate Goldman Sachs account on my credit report since 2021. 

I have disputed the account already to Goldman Sachs, who refuses to actually listen or investigate the issue. I have also notified XXXX and submitted multiple disputes and statements and even submitted attorney filed documents demanding they remove the illegitimate account from my credit report. But the company does absolutely nothing. They do not investigate, they do not provide updates, they do absolutely nothing with the factual evidence I provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency credit karma wont remove item that has been removed off another agency ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account number XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has run multiple unauthorized hard inquiries on my account from all 3 bureaus. I only authorized one and they ran multiple. I called and spoke to a supervisor before the second inquiry was processed and asked Capital One not additional hard inquiries in the first place and Capital One ran a hard inquiry anyway. 

XXXX : CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 CAPITAL ONE/BASS PRO ( Bank ) XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO XX/XX/2021 XXXX : CAPITAL ONE/BASS PRO XX/XX/2021 CAPITAL ONE/BASS PRO  XX/XX/2021 Capital One/Bass Pro also preys upon consumers by offering them promotional interests rates, promotions but when they take longer to process the application, they don't apply the promotion to the consumer 's account.
Product: Debt collection

My name is XXXX ; XXXX XXXX The Agent for principal XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from GURTEL LAW FIRM P.C. who names I have listed in various CFPB complaints in the past such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but the threats, harassment, false and misleading actions have been ongoing. These attorneys have decided to continue to willfully violate the Fair Debt Collection Practices Act. I have attached exhibits for proof of these violations.