23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Zelle is in negligence of not informing us where our money goes if you accidentally send to someone or if we can get that money back. Zelle fails to investigate claims adequately. My Zelle gets blocked due to possible scam when i send a certain amount of times. What is the point of my having Zelle if its a limit on my sending ability
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and written to XXXX credit reporrting agency on numerous occasions for address, late payment and other claims on my report. They have defiled my character and stopped me from getting credit with numerous financial institutions. Ive tried for months to get these false reports removed. According to law 15 USC 1681 section 604 it allows consumers privacy. I never gave my consent to post anything concerning my private information. Addresses other the my current address is irrelevant. All hard inquiries outside of XXXX XXXX Bank arent mine. Late payment and other derogatory statements arent mine.
Product: Student loan

This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

This company also violated UDAP and FCRA when reporting a recent delinquency due to obstacles when attempted to resolve this debt and overcharging on this debt.

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter out to XXXX, XXXX, and Experian. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Payday loan, title loan, or personal loan

Their website and statements do not tell me : 1 ) How my payment was applied 2 ) Interest Accrued 3 ) Interest Accrued 4 ) Fees I also called their customer service line at XXXX and they were not able to tell me how my payment was applied.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not take timely or effective steps to prevent or address fraud on its platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and misleading, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant inconvenience and financial loss, and I am seeking appropriate remedies for these violations.
Product: Credit reporting or other personal consumer reports

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to Exeter Finance on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Exeter Finance is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of 1974. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Product: Mortgage

In early XX/XX/2019, I applied for a refinance mortgage with Navy Federal Credit Union. I agreed to pay points and was approved for a 2.5 % rate. It took an extremely long time for anyone to call me back regarding the status of the loan. I was told that I was approved for the loan. Last week I received a notice stating " we have exceeded the validity of all documents, including the credit report for this loan application. '' I do work overseas for the XXXX XXXX XXXX. but the house is my primary residence which I return to occasionally through out the year. Even if it where a second home my loan to value ratio is 25 %. After getting this email ... ... .my loan information has been deleted from my internet banking account. Furthermore no one has returned my calls regarding this loan. It appears that Navy federal does not want to honor the 2.5 % rate. Also there are several complaints on the internet about Navy Federal.
Product: Debt collection

there was XXXX where i was scammed for my personal information to get money out my account totaling one amount of {$500.00} & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and 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
Product: Mortgage

On Tuesday XX/XX/2024 I received a call from someone from Bank of America named XXXX XXXX. 

She stated she wanted to verify that I was the person who filed the complaint. 

Thats it. No additional information about the process except it will take 3-5 days. 

That was done for compliance purposes only, but is not customer service. 

Why call the customer with no solutions or answers?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 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 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

I've previously sent twelve letters to the credit bureaus asking them to take the disputed entries related to the identity theft off my credit report, but nothing has happened to yet. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. I sent numerous letters to the credit bureaus with complete attestations of my personal information and the FTC 's ID THEFT REPORT, and I had assumed that these items had already been removed, but because it is required by FCRA regulation 605b, I'm sending this complaint to help with laying out a legal defense. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities.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 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 Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Consumer Loan

I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a formal complaint lodged against PNC Bank. In XX/XX/2015, PNC Bank unjustly accused me of owing them a balance of {$2.00}, XXXX. Despite multiple attempts to prove to them I was not liable and had been a victim of identity fraud/ theft, they still attempted to hold me personally accountable. After much stress and litigation, PNC conceded, acknowledged that I was not responsible for the fraudulent activity, closed the case, and sent me documentation that any fees incurred or credit required would be dealt with, accordingly. Today, I went into another banking institution to apply for other financial products. The representative stated I had been 'flagged ' in their system due to " fraudulent activity '' associated with a previous PNC bank account and that my request had been denied, consequently. I went directly into a PNC branch to be put in contact with someone from their internal escalations department and was informed that despite, not having been liable for their formal claims against me, I would continue to be penalized by having this incident in my history for up to 5 years, when in fact, my name should've been removed from the flag/ fraud database as soon as it has been established, I was responsible, back in XX/XX/2015. Ive attached proof and correspondence received from PNC Bank to date. I am pushing to have my name removed from the fraud database. 

Thanking the bureau for its time and consideration of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed on my report. I may be a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly 800 dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXX/XX/XX/XXXX and also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being XXXX enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT I AM NOT A THIRD PARTY, I AM WHO I AM XXXX XXXX. PLEASE SEND TO LITIGATION DEPARTMENT IMMEDIATELY 911, NO E OSCAR : I have no knowledge of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX. I am sending you this in regards to those accounts. My name is XXXX XXXX I am not a third party company, I am a human writing this. Notice to you that I am a consumer in fact natural person, executor, administrator, holder in due course for any and all derivates thereof for the surname given XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters processing, and I hereby claim that I will d/b/a consumer, XXXX and autograph as the agent, attorney in fact, so be it. Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most high of creation and I depose the following facts so be it, now present. Fact, 15 us code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled Exhibits that Equifax is in violation of Rights of privacy. Not giving consent is fraud, I did not give any consent as to the accounts listed XXXX XXXX XXXX XXXX XXXX are fraudulent. Defamation to my character and trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. Depression and anxiety and mental health. It is damage and punitive damages which is an amount exceeding {$10000.00} you must send to me by 10 calendar days of receiving this message.
Product: Debt collection

Someone used my information to get credit from a bank and supposedly made few payments and stop making payments and now is on a debt collection company. The account was open XX/XX/2020 with XXXX XXXX  and then sold it to PORTFOLIO RECOVERY ASSOCIATES , LLC. On XX/XX/2020. I called this company to disputed. I dont know whats next, I received an envelope with a form to fill and send back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Santander Consumer USA has been using unfair and deceptive acts. 16 CFR 433.2 15USC 1692 I requested a validation of debts on XX/XX/XXXX from Santander and they did not answer any of the questions, the letter Santander sent back was not signed by any assignee or agent. It was also said that the debt is verified. But by whom? Along with a right to repossess. They did not disclose that I had a right to rescind. They did not notify me of my rights. They did not disclose. They have violated my consumer rights. I obtained this to use essentially for my household and family. 
They are also reporting that this vehicle was paid off due to a natural disaster in XXXX. My payments that I have made have not been applied to the vehicle loan. So I disputed it and now they are threatening me with repossession. This is a fraudulent contract. 16CFR433.2
Product: Checking or savings account

On XX/XX/2022 someone made a deposit into my back account of XXXX. I looked up the company and it said it was a loan company. The number is XXXX. I looked up the company it said it was a scam. I never took out the loan. It also stated on line that they deposit money and then start taking money from account. I called the company and they would not discuss it. I'm furious that they did this. It has caused pain and chaos in my life. The time it takes to fix everything is crazy. Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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 an account without my written instructions.
Product: Checking or savings account

Capital One Bank, don't deposit my salary in time as scheduled. It has been 72hrs and still nothing, if I get 1 day late in their credit card payment they practically harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : CFO XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/Aidvantage XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Did Not Resolved the Matter Plus i Mail a Letter To Capital One Requesting them to Add the Information about this closed account Back the the Credit Report and Capital One Denied to Fix This Matter and This Account is Not Being Reported to XXXX  and i contacted XXXX  and they told me to contact Capital One To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to XXXX  i Contact The Credit Report Agency and they adviced me to contact Capital One and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to XXXX  The Company Did Not Fix The Problem with My Credit Report with XXXX  and this account is still missing from my XXXX Credit Report and Capital one did not Resolved any inquires about this complaint