23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

For over XXXX months I have tried to change my direct debit bank and it keeps getting messed up. They keep tacking on late fees and pushing payments onto the end of my loan which accrues more interest for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. The amount reporting is incorrect and needs to be reporting a {$0.00} balance. I contacted XXXX and they told me they had no information as to whereabouts of the vehicle and whether or not the vehicle was sold. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Cash App Support Subject : Unauthorized Transactions and Reimbursement Request To Whom It May Concern, I am writing to address a concerning and ongoing issue regarding unauthorized transactions on my Cash App account, which have resulted in a total loss of {$2000.00}. Despite my consistent attempts to resolve this matter through various channels, I regret to inform you that the situation remains unresolved. 

Beginning in XXXX, I noticed several unauthorized transactions on my Cash App account that were made without my consent or authorization. These transactions amounting to {$2000.00} were undoubtedly the result of fraudulent activity that I had no knowledge of or involvement in. As soon as I identified these unauthorized charges, I promptly contacted Cash App support to report the issue and request a reimbursement in accordance with your company 's policies and consumer protection laws. 

Unfortunately, despite my repeated attempts to communicate and collaborate with your support team, the matter has not been resolved in a satisfactory manner. I have followed all necessary steps to provide evidence of the fraudulent transactions and to ensure that my account 's security is reinforced. However, I have received no assistance in recovering the funds that were taken from me. 

I believe it is essential to highlight that this situation not only constitutes a significant financial loss but also reflects a breach of trust in your company 's ability to secure its customers ' accounts and provide timely and effective support. I urge you to address this matter urgently, thoroughly investigate the fraudulent transactions, and take the appropriate measures to reimburse the {$2000.00} that was wrongfully deducted from my account. 

I expect a prompt response and resolution to this matter within 15 Days from the date of this letter. Failure to address this issue adequately may leave me with no choice but to explore further legal actions to protect my rights and interests as a customer. 

I appreciate your immediate attention to this matter and your commitment to upholding the security and integrity of your services. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation to expedite the resolution process. 

Thank you for your prompt action in this matter. 

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

XXXX reporter a debt that is not mine. I never lived at the property reported during the time reported
Product: Credit reporting or other personal consumer reports

I am writing to complain to 700 CREDIT/TXXXX XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX Portfolio Recovery Associates, XXXX VA Re : [ XXXX ] Court File # XXXX To Whom it May Concern : I am responding to your contact about collecting a debt. You contacted me by phone and mail numerous times over the years and I have met those reach outs with proactive behavior and respect. I have identified the debt as a fraudulent, but your firm does not meet me with that same respect and my questions have not been met with answers. When reviewing your company I was astonished to see how you built an empire on ethnically debatable practices. My experience of years of harassment has been similar to the countless events articulated all over the Internet on your predatory behavior. Since this is the case, I have retained counsel to handle the issue in question moving forward. 


I was in court with one of your attorneys in XX/XX/XXXX with XXXX XXXX in XXXX NY. First and foremost, his attitude and general behavior was less to be desired and far from professional. He treated me as a XXXX and made passive aggressive remarks about not being able to make payment. I was provided no documentation that validates that the issue in question was my debt. Therefore, I asked for your firm to provide me a copy of my signature, and if it was my signature - I would agree to pay the {$520.00} dollars offered to end the claim in court. I have not received any proof of signature after many requests from your attorney or company and this issue still lingers on my credit report. 

Please contact my lawyer about this debt.. My lawyers contact information is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX : XXXX Thank you for your cooperation. 

Sincerely, XXXX. XXXX XXXX XXXX This has been going on before XXXX and is still there today. Just recently from XXXX until today I have made many attempts to reach out to the law firm representatve XXXX XXXX XXXX well as the supervisor for portfolio recovery associates XXXX XXXX and I get, I will call you back from the Law firm and never received a call back and I can not help you from portfolio recovery Supervisor XXXX XXXX XXXX it is in the attorney 's hands. 
I have made at least 12 calls from XXXX XX/XX/XXXX until the end of XXXX XXXX.
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 XXXX XXXX And Reporting Discrepancies, My Financial Institution And Zelle Failed To Investigate My Claims Adequately. They Informed Me That Recovering Lost Funds Was Impossible And That Tracking These Transactions Was Unfeasible. The CFPB Findings Indicate That Zelle Has Not Only Neglected To Protect Consumers But Also Allowed Repeat Offenders To Exploit The System, Leaving Users Vulnerable To Scams.Te Lack Of Accountability And Transparency Is Unacceptable And Raises Serious Concerns About Consumer Safety.
Product: Debt collection

This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX
Product: Money transfer, virtual currency, or money service

CFPB Wells Fargo Complaint While I was living out of state before moving to XXXX, XXXX I was asked by my new XXXX landlord to send XXXX rent through XXXX XXXX Partnership with XXXX. As a first time user of this process, I had to split my payments in two 24 hours apart. 

XX/XX/XXXX : Submitted payment for {$500.00} XX/XX/XXXX : Submitted payment for {$150.00} XX/XX/XXXX : Landlord advised money was sent to a closed bank account with XXXX XXXX by accident and money should be returned based on an email they received from XXXX XXXX. 
XX/XX/XXXX : Received {$150.00} reversed to my account XX/XX/XXXX : Called and filed Claim with Wells Fargo for missing {$500.00} XX/XX/XXXX : Wells Fargo closed claim showing money was deposited into landlords account successfully without error. 
XX/XX/XXXX (? ) : Called Wells Fargo Claims who advised they would not reopen claim, but I could fax any documentation I had regarding my distribute. 
XX/XX/XXXX : Faxed Wells Fargo a copy of the email Landlord received from XXXX XXXX showing the payment of {$500.00} was rejected and would be returned to me. 
XX/XX/XXXX : Called Wells Fargo back who advised the Claim Remained Closed and suggested my landlord file a claim with her bank. Wells Fargo states they never received a refund from XXXX XXXX and would not credit my account. 

Landlord opened up her own claim with XXXX XXXX in the meantime. 

Landlord went to a Wells Fargo Branch and asked for me to do the same to see if they could provide more assistance locating and returning the missing {$500.00}. 

XX/XX/XXXX : Went to Wells Fargo Branch and the local banker called their claims department who reopened the claim. 
XX/XX/XXXX : Wells Fargo closed claim. 
XX/XX/XXXX : Received letter from Wells Fargo that they closed the claim the same day it was reopened ( XX/XX/XXXX ) reiterating that the payment was successfully deposited. The letter was mailed to my old address in XXXX and it took time to be rerouted to my new address in XXXX   even though I had already updated Wells Fargo with my current address. 
XX/XX/XXXX : I notified my Landlord and the Wells Fargo bankers who assisted us and informed them of the outcome. 

Landlord followed up with XXXX and with XXXX XXXX. 

XX/XX/XXXX : Landlord followed up vie email again stating she had visited XXXX XXXX who is asking me to get the account number Wells Fargo alleges the payment was deposited into. 
XX/XX/XXXX : Spoke to attorney who recommended I file a claim with the Consumer Financial Protection Bureau. 
XX/XX/XXXX : Called Wells Fargo Claims who advised they can not provide an account number for the XXXX XXXX deposit as XXXX uses secure payment tokens. Wells Fargo advised they will have their accounting department look for any returned funds that have not been successfully matched to an account holder, but would not guarantee a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within four business days. 

The following inquiries are not associated with any active accounts that I have authorized : 1. XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX - Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 6. XXXX XXXX - Inquired on XX/XX/XXXX 7. XXXX XXXX - Inquired on XX/XX/XXXX 8. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 9. XXXX XXXX - Inquired on XX/XX/XXXX 10. XXXX - Inquired on XX/XX/XXXX 11. XXXX XXXX XXXX - Inquired on XX/XX/XXXX 12. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 13.XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

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

The Account with Experian XXXX XXXX for XXXX XXXX continues to report on my report and the company XXXX XXXX has agreed to take this off of the report. I understand that Experian uses information such as this for profit but this information is damaging for the community. I have spoken with XXXX  XXXX and they will no longer report any trade line to Experian for this account so please remove this and send me an updated copy of my report without this account showing. I will add proof of the response for this company for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Product: Debt collection

I received court documents this morning as a result of a credit card debt with Capitol One Bank. The amount that is listed on the court documents is about {$400.00} higher than my last statement with Capitol One, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed Capitol One several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with Capitol One Bank and I am willing to work with them to pay off the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX None XXXX Inquiries XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$12000.00}
Product: Checking or savings account

Dear Sirs, 1. The documentation below is to investigate and dispute the unsolicited opening of an equity line of credit, under my name, without my knowledge, my consent, nor my signature, on two different occasions ( as reflected in the credit report ).

2. I recently discovered this fraud by accident through the Credit Report agencies, as the bank consistently denied to explain and disclose the origin of such equity line of credit including arbitrary charges. The bank also provided contradictory answers that are meritless and inconsistent with Truists own account holder portal.

3. The bank as of today is still failing to produce proper, legal, and compliant documentation despite stating that they are in possession of it and that it would share it with me on the spot. This was back in XX/XX/XXXX, other attempts in XX/XX/XXXX, followed by additional attempts on XX/XX/XXXX and again, on XX/XX/XXXX, and again on XX/XX/XXXX. 

4. After nearly 7 months and multiple calls and in-person visits to the bank to gather the proper documentation and make sense of the situation, not much came to light other than Truists customers representative admitting that he himself could not explain this irregular opening of the account, and could not pinpoint either why the fees were originated as the account ( # XXXX ) was officially closed and kept a XXXX  balance since XXXX. 

5. Another compelling fact is that the back never provided a sensible explanation as to why anyone would open a credit line for US {$25000.00} and never withdrew any money against those funds. Such left me with no other option than to close out my checking account ( the only existing active account ) to prevent Truist from further damaging my credit score, which from a stellar average maintained for over three decades, I saw it fell out of the blue more than XXXX points. 

6. In addition to this uncomfortable situation my normal personal and work life were affected ( the same with my husband ). In this context, I was forced to miss work, driving several times to the bank office. Furthermore, even when having scheduled meetings, we were denied service. I spent countless hours looking for anything that might not look familiar or out of the ordinary, to no avail until a potentially negative event came to the surface, triggered by some overdue charges I had no knowledge about until then.

7. And thats not all. In order to close the accounts, I had to satisfy all fees charged to my checking account ( ending in # XXXX ), which amounted to approx. US {$120.00}. This is unacceptable and unfair.

8. I have included my husband due to this is a joint account and were both affected by this situation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail from Lou Harris & Co in the mail dated XX/XX/XXXX with an amount of XXXX.. Lou Harris & Co did not send any signed contract or agreement stating that this was my account. Lou Harris & Co called me on XX/XX/XXXX threatening to damage my credit report, they did not allow me 30 days to validate this debt, and has called me everyday threatening me, I continue to advise the agent that I was not aware of any debt. Furthermore, Lou Harris & Co is practicing UNJUST ENRICHMENT and is violating the Fair Debt Collection Practices Act ( FDCPA ). I will be reporting this agency to the Attorney General & to the XX/XX/XXXX
Product: Credit reporting

I had accident while working as an employee XXXX. The medical bill was taken care off by workers ' compensation but later on i received a letter from a law firm stating i am responsible for another bill. I called the law firm and provided them with the workers compensation company, the name of the benefit counselor. I was told by the law firm that they just needed the name of the workers compensation, the billing code and everything would be resolved. I never heard from them again. 

I checked my credit report and found out that the said amount had been sent to collection in the new amount of {$230.00} and has damaged my good credit score. I never owed this amount. I have been unable to find a job in my field because of my credit score. 

I would like your assistance to please help with the removal of this negative report on my credit information. 


Thank you
Product: Credit card or prepaid card

Back in XXXX of this year, 2022, I did a balance transfer and made an error, causing me to end up with a negative balance on my Discover credit card. I made some purchases on that card to use up some of that balance but ended up leaving {$160.00} because I wanted to make a transfer back to that card from another higher interest card and use that money to defer some of the fees. 

I come back in XXXX and find that the money is gone. I contacted customer service ( don't remember the exact date ) and they tell me they sent out a check on the XXXX of XXXX. I told them I never received it and they confirmed that the check was never cashed. They said they would put a stop payment on it and send out a new one and I would receive it in XXXX business days. 

On XX/XX/XXXX, they credited and then debited my account {$160.00}. I didn't see this until the end of XXXX ( I don't check my accounts often, I probably should, lol ). Not sure why they would do this. It is now XXXX, and I still have no check. It seems like they are making this harder than it needs to be. Especially since the lady confirmed that the initial check was never cashed and all they had to do was cut a new one.