23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the results of your investigation concerning the account listed as XXXX XXXX XXXX, Account XXXX. XXXX on my TransUnion credit report. Your records indicate that this account has been verified as accurate. However, I must express my concern and frustration with the outcome of your investigation, as it directly contradicts actions taken by both XXXX and XXXX, who have rightfully deleted this account from my credit reports. 
Given that this account has been removed by two other major credit reporting agencies, I find it impossible and unacceptable that TransUnion continues to report this account as verified. This inconsistency raises significant concerns regarding the accuracy and thoroughness of your investigation, which is mandated under the Fair Credit Reporting Act ( FCRA ) to ensure that all credit reporting agencies report consistent and accurate information.
Product: Checking or savings account

I Filed a claim with Wells Fargo Bank approximately XX/XX/2023 and then they said it might take about a week to 10 days to resolve It They told me on XX/XX/2023 there was some suspicious fraudulent activity on my account. I told Wells Fargo that I had my wallet and my phone stolen and my PIN was in my wallet. They told me they would have it resolved in 10 days.about 7 days into the claim they wrote me an email stating that they would be working on it and they are working on it and they will get back to me and that I would receive a credit to my account while they are working on it. Then about 2 days later after that I received another letter and they told me that they were working on it still and that and that they would you know contact with the need anything again I did receive another letter and they noticed that on some of the transactions that my PIN was used and based on this they felt that either I or someone I knew did these transactions. And at this point they would be able to do nothing more and that the claim is now done nothing more to be done.So being as upset as I am I went to the internet to see if I could see if anyone else had gone through a claim with Wells Fargo and in fact they had and they had been given the same response as they had given to me that's was that Wells Fargo had told them the same thing that they were or someone that they knew was at fault.i then decided to get a hold of you and when I was reading the internet they had success when they got a hold of the consumer finance.gov and had a very good response in getting what they needed accomplished. At this point I decided to personally write to you myself and explain what I had gone through and I felt very good about what you do for the people when they have a problem and you're there to help them and resolve it and at this point I'm out approx {$3100.00}. XXXX and we all work hard for our money. Please help me resolve this issue as I feel you're organization>people respect and have a deep regard for. It appears that Wells Fargo really has a very narrow minded opinion about these claims brought before them. 


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

XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX
Product: Debt collection

I.C. System has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ( 1 ) ( 2 ), IC 35-43-5-3.5 & IC 35-38-1-2.5 ( see Exhibit A ). XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any my personally identifiable financial information aka non-public personal information pertaining to this account with I.C. System or any other third part as regulated by 15 U.S. Code 6802 of the XXXX. Additionally, XXXX failed to provide the consumer with FULL disclosure in the initial agreement. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Checking or savings account

On XX/XX/XXXX I made a XXXX transfer from my Bank of America account to a family member. The family member did not receive the funds, nor did I receive an email telling me that the funds were sent to recipient. I checked my bank account ; the funds were taken out of my account. I called the recipient, my niece, to again ask if she received the funds. She had not. 
My bank is Bank of America. I called my account representative at XXXX XXXX Wealth Management. I was told a dispute would be filed. It was filed on XX/XX/XXXX. 
Dispute # XXXX. 
I was told that the funds were received by XXXX XXXX XXXX. 
I heard nothing from XX/XX/XXXX until today. Yesterday I called my account representative at XXXX XXXX.I was told that she would reach out to Bank of America again. 
Today I received a call from a person in the leadership team. She said she filed a complaint today # XXXX. it would take 120 days to be resolved. 
I asked for the funds to be put back into my account so that I would have the use of the funds while the dispute process is occurring. She said that a request that had been entered and denied, will try again. 
Ido not have the use of the funds, the recipient does not have the use of the funds. It is unconscionable for this to take as long as 120 days. 
I asked for information regarding XXXX XXXX XXXX. She did not have it available. I had been told that XXXX XXXX XXXX had received the funds, I want to see this and asked her to send. 
I am deeply concerned that cybersecurity may have occurred. Please investigate.
Product: Payday loan, title loan, personal loan, or advance loan

I recieved an alert from XXXX XXXX  about a new account that was opened. Opened my credit report and saw someone had opened a line of credit for {$65000.00} dollars of which {$14000.00} dollars had been used I immediately call XXXX XXXX  and reported to them that that line of credit was not mine or opened by me. Immediately put a freeze on with all XXXX credit bureaus. XXXX XXXX froze my account also. XXXX XXXX called the creditor, I was able to speak with XXXX an employee with Upgrade Inc. who the loan was thru. I said that was not me that opened the line of credit. Upgrade Inc locked the account and started to find where this money was. XXXX XXXX called them up I was able to XXXX from XXXX XXXX while The XXXX XXXX  person on the phone also. Upgrade Inc started the dispute process, they said it could take upto 30 days for this to be done. XXXX XXXX  said that it was a fraud case and XXXX XXXX  got things going on there end
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$800.00} XXXX  XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$4700.00} XXXX  XXXX XXXX Balance {$560.00} XXXX XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX {$2300.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Credit card balance was paid in full in  XXXX   2015,   however on credit report still show as not paid.
Product: Checking or savings account

In XX/XX/year> I deposited XXXX checks issued through US Treasury, from XXXX. Chase Bank cleared funds for a XXXX dollar check, yet put the XXXX check in " hold '' When I called in Chase informed me that my account has been closed for an undisclosed reason and all funds are " Suspended '' ( stolen ). I had {$750.00} remaining in my account for hurricane relief. 

Now my children and I are facing XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should '' active payment history. This Inaccurate information falsely manipulates the statute of limitation '' Investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : credit acceptance corporation Account Number:XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cashapp 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: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB LAWSUIT highlighting significant issues with the platform.despite using Zelle numerous times an reporting discrepancies my financial institution an Zelle failed to investigate my claims adequately. They informed me recovering lost funds is impossible a tracking these transactions was unfeasible. The CFPB FINDINGS INDICATED that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scam.this lack of accountability and transparency is unacceptable an raises serious concerns about consumer safety.
Product: Debt collection

ABR Recovery is claiming this account was opened by me. I never opened this account, or signed for this account, or used the account. It was opened by someone else. Please provide proof that this account was opened my me. I have never negotiated with ABR Recovery. I called inquiring about this fictitious debt they claim I owe. It's simple. Provide proof I opened this account. They will not be able to provide proof, because I never opened it.
Product: Debt collection

This loan was discharged in Chapter XXXX bankruptcy. received a call from FBCS regarding this debt. I am requesting a debt validation as I do not owe this debt.
Product: Mortgage

Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AWA COLLECTIONS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the 3 major reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late XXXX  XXXX Personal Information Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.

Transactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.

Consumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. 

BEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received the pre-approved offer of Amex platinum card in mailbox ( XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX, in which it said I could get XXXX membership points as the welcome offer if I applied the card. Also, it said very clear that I was pre-approved. 

Then XX/XX/XXXX, I applied this Amex platinum card online, when it was being processed, I made a phone call to the Amex customer service about the application. During the phone call, I asked three times to check whether I indeed have the welcome offer with my application not, and all three times the representative told me that yes you got the offer. Then she said I got approved, and asked me do I want to have the card, then I accepted. 

Then later on XX/XX/XXXX, when I asked the online customer service to send me a copy of the welcome offer details, I was told that my welcome offer was declined. I explained what happened and she asked me to contact the customer team via phone call. So I made a phone call again and asked what happened, and this time I was told by the representative that I indeed didn't get the offer and she said the decision was made based on my previous relationship with Amex. She also told me it was very unlikely that the decision would be changed although I have the evidence to show that I was not responsible for what happened. So now I have this card with me with no welcome offer at all and also I need to pay for the annual fee. 

I think what happened to me is nothing but a fraud as they first sent me the promotion saying that I will 100 % have it ( pre-approved ), then during the process the representative tried very hard to persuade me to accept the card so she kept telling me that I got the offer, and at last after I applied and got it they denied on what they said immediately and rejected to give what I supposed to have. 

Also the reason they gave was very ridiculous and contradicted to their own statement, because if it was because I didn't have a good relationship with Amex, why they sent me the customized pre-approved offer at first? I feel I was cheated by them and I am a victim of the false advertising of Amex.
Product: Vehicle loan or lease

I Sent a Good faith negotiable instrument into company which is a promissory note making Capital one Auto Finance a fiduciary collector for certified funds remit at par which follows all the laws of negotiable instruments which is my God given right to tender. Capital one auto finance is keeping my instrument and did not apply funds to principle for settlement and closure. I called and explained UCC subsection3-310 ( b ), 3-311, 3-603 and public policy at house joint resolution 192 of June 5, 1933. Instead I was fraudulently reported without due process. They also placed a cease and desist on my account without my knowledge. Again they kept my negotiable instrument worth millions of dollars which is my property if it will not be processed.
Product: Credit reporting or other personal consumer reports

After being on workers comp for four years, I paid off all of my existing debt except my mortgage in XX/XX/2023. XXXX and XXXX show this correctly in their credit reports. Experian claims that I still owe {$2200.00} on a XXXX issued by XXXX XXXX I called XXXX XXXX several times and they tell me that they show no outstanding debt balances for me. I filed another dispute with Experian. They refuse to even give me the account number of the closed account they claim I own money on. Furthermore Experian is constantly contacting me telling me to get in touch with XXXX and XXXX to tell them to correct their credit reports. XXXX says I have no outstanding accounts with their company. How can I fix this if Experian refuses to give me the account number that they say I have outstanding debt on? I am an accountant. I have never been in debt or missed a payment in my entire life until I was injured. I can not pay off a debt that the company that issued the card says I do not have!
Product: Checking or savings account

On XX/XX/XXXX to XX/XX/XXXX Fraud false checks was deposited into my account and the banking institution closed my account based on their terms and conditions. However on XX/XX/XXXX my payroll direct deposit was deposited into my account. I was informed that on XX/XX/XXXX a cashiers check will be mailed to me. I've gone to the branch and spoke to customer service to no avail. I have yet to receive my funds from the account as of XX/XX/XXXX. I've been left to feel more like the criminal than a customer. This is PNC Bank and the actual branch that I'm having the issue with is the branch in XXXX NJ. The XXXX XXXX Branch. I also feel discriminated against because on more than one occasion I've been asked what brings me to this branch. My address is not in that area, but nonetheless I didn't know there were boundaries for bank branches and I thought consumers are free to bank at any branch that is available to them as long as they are a consumer. I failed a complaint with the bank itself and now I would like to file a complaint with the CFPB. 
I can be reached at XXXX or XXXX XXXX
Product: Debt collection

Ive asked continuously for proof of identification, proof of purchases, and proof of signed documents to compare with my current documents. They failed to do so and threatened me that my credit would be bad and they was placing this on my credit. I have tried to call them for over three years and no one answers as if this company doesnt exist anymore.

Please remove this derogatory and negativity from my account. Im trying to better my credit and provide a home for my family and I can not do so with something on my credit that has no connection whatsoever to me on my credit. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and XXXX, Equifax credit reporting agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  Inquired XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unfair and exploitative policy enforced by XXXX credit card by Synchrony Bank that imposes unnecessary financial burdens on consumers. The bank refuses to provide mailed monthly statements unless customers pay an excessive {$2.00} per statement fee. This effectively forces account holders to either : Accept electronic statements and manage their accounts entirely online, or XXXX in autopay to avoid the fee. 
This practice is unfair, coercive, and potentially in violation of consumer protection laws. Customers should not be penalized for preferringor needingpaper statements, which are a fundamental part of responsible financial management. Furthermore, this policy disproportionately affects individuals who lack reliable internet access or prefer traditional banking methods.

I believe this may violate provisions of the Truth in Savings Act ( TISA ) and CFPB regulations regarding transparency and fairness in financial services. I request that the CFPB investigate this matter and take appropriate action to ensure that banks do not unfairly restrict access to essential account information. 

Please let me know the next steps regarding this complaint. I appreciate your prompt attention to this issue.