23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks Capital One is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include Capital One I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against Capital One.
Product: Money transfer, virtual currency, or money service

Zelle never included the disclosure stating to make sure youre sending the money to the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Capitol One has violated my rights. Under 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent or instructions. Under 15 Unit C 1666B A Creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Consumer Loan

I have a car loan with Wells Fargo dealership services. They incorrectly though my insurance was terminated. I had just change companies, I sent them the information on the new company, however they by mistake as they have informed me put insurance on my car. Because I make double payments each month it was n't until I ask for a payoff that I notice this was happening. I got in touch with Well Fargo insurance company and was able to clear this up by last Friday XX/XX/XXXX. They said I should have a corrected by off in XXXX days. when I checked back Monday & XX/XX/XXXX, they said it would be XXXX business days. Now on XX/XX/XXXX they are not sure when it they will be able to give me a correct payoff statement. They employees have been very rude and have not given any explanation why the delay. If I do n't get it today, I will lose the incentive on the new car I am buying. 
this will cost me XXXX of dollar. When a bank makes a mistake they should not treat the customer like they are doing you a favor to correct it and should be limited in time to make these corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one or more late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which has highlighted serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, myXX/XX/XXXX and Zelle failed to properly investigate my claims. They informed me that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users exposed to scams.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX transaction Bank responsible ; Citibank The money withdraw was XXXX and citibank has not responded to this withdrawal I have contacted them several times, gave them the information and they have not responded to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I have an issue with Binance.US about 5 months of a charge back which I owe them I paid them back the money and try to withdraw my money from their platform since XX/XX/2021 I have done all the verification needed but there still wont let me get my money all I need is my money I have up to {$4900.00} in there 2 months ago the account was lock while there were trying to fix the withdrawal issue now I cant login to the account again as at this moment I have also done all the verification and provided all the documents required but there dont want to reply my mails Any more I am currently on debt because of Binance.US
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I have filed 3 previous complaints : XXXX, XXXX, XXXX, about TransUnion and how they allowed a furnisher to obtain my information under false pretenses. I had an Adverse Account put on my credit from XXXX XXXX also known as XXXX XXXX. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ]. 

On XX/XX/2019 while on the call with a TransUnion representative she deleted the account. On XX/XX/2019 I received the Investigative Results which only stated " DELETED ''. TransUnion did nothing more than delete the account while I was on the phone with her. The furnisher did not receive any notice from TransUnion that I disputed the debt. TransUnion did not notify the furnisher at all. 

I requested TransUnion send a description of the PROCEDURE used to determine the accuracy and completeness of the information provided and TO include the business name and address of the person they contacted in connection with such information. On XX/XX/2019 the TransUnion representative said that since TransUnion " DELETED '' the information it can't be disputed. 

XX/XX/2019 I called to have the hard inquiry from this same furnisher removed. I was told I have to get a letter from the furnisher asking them to remove it. ( not going to happen ). Then I asked what purpose did the furnisher give. The representative went on to say she 'does n't know the codes and let me give you our address to send the letter '. 

Consumer Financial Protection Bureau what do I do now? After 3 disputes and three phone calls I still am being denied my rights under The Act. The furnisher had no permissible purpose to obtain my report. It is a landlord trying to collect a debt. They do not have a court judgment, they are not a credit agency nor did I apply for insurance, an apartment, a loan or employment. THEY ARE AN APARTMENT COMPLEX IN XXXX OK who obtained my information under malicious and intentional pretences.
Product: Debt collection

I recieved letter in the mail alleging I owe a debt that I have no recollection of. I inquired of the debt thru tittle 15 use 1681 reading trying to learn. I learned to request validation thru certified mail. I did that. I sent certified mail request in specific the original contract with my signature. validation of the debt. proof that said company could legally collect in my state and the law behind the way they can try to collect from me... what I got in return was a copy of a copy no proof that I have to pay any debt, in fact the letter stated that it was beyond the statute of limitation and to not pay or it can be further damaging. that why I am writing this.. I have never heard of the company trying to collect a large sum of money from me ; this case has crippled my chances of trying to acquire funds to get my XXXX  off the ground. I have put fraud alert on my accounts because someone trying to steal my identity. I served XXXX years in XXXX, I am trying to make an honest living but this case is one of many problems preventing me from getting ahead. I am just trying to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is once again reporting XXXX XXXX XXXX XXXX Account # XXXX This account was removed from my report due to identity theft. 

EXPERIAN deleted the account from my report but now its back.
Product: Mortgage

I was recently denied credit for a HELOC by TD Bank and per the Free Credit Reporting Act understood I can request a copy of the credit report the bank used to make their decision. TD Bank has indicated they can not provide the requested copy and referred me to the credit report agency. In order to address any issues made evident in the credit report they received, I need to review that report as a copy received in the future may differ. Several requests have been made to no avail. However they have provided a summary document of the FCRA, but on pages 61-65 the Act addresses receipt of the documents when requested. Please let me know if you would like copies of their emails. I do n't understand why TD Bank is making this such a difficult process.
Product: Payday loan, title loan, or personal loan

This company approved me for a large loan ( {$20000.00} ). I was delighted since it meant that I didnt have to liquidate assets to pay for roof repairs. They sent me a separate email with the exact date funds would arrive ( XXXX ). Based on this confirmation of funds, I began to send payments that were overdue. Then we started to play games about which bank account. No business accounts ( I run a small business ). No joint accounts. No investment accounts. No new accounts. The deposit account must match the payment account. Always a different, undisclosed reason. The XXXX came and went with no money. I called, and they blamed my bank for not crediting my account. My bank told me no funds were ever transmitted. Then the only answer I could get was : its being reviewed, dont worry. As checks started to bounce and fees began to pile up, I began to become irate. I was promptly transferred to some supercilious fraud specialist who played twenty questions with me. Im a XXXX XXXX XXXX grandmother. I dont remember the address of a temporary apartment I lived in for a few months 12 years ago!! Well, well have to send it back for further review he gleefully announced. Suddenly, none of the emails contained a call number, and I was declined because my credit couldnt be verified. No attempt was made to clarify whatever problem existed. XXXX promised me three times that XXXX the Manager would call me. Then I was actually told his phone was malfunctioning. Finally an agent said that I should just apply all over again. I did that twice, and now Im being denied because there are too many inquiries. The truth is that they dont want my business because Im old, and theyre afraid Ill die before they get paid. All their vague reasons could be addressed in one honest conversation. The worst part is that Ive lost a XXXX points off my credit score, {$500.00} in bank fees, broken faith with honest business people, and I suspect theyve blacklisted me somehow because now no one will lend to me. I cried all night Thursday night. I cant believe Truist Bank would treat a fine customer this way. 

XXXX XXXX Dear XXXX XXXX XXXX This email confirms that you have chosen Tuesday, XX/XX/XXXX as your new loan funding date. 

On your funding date, we will deposit your loan proceeds into your designated account via an ACH ( Automated Clearing House ) transfer. Your funds will be available for your use at some point during that day. 

To confirm receipt of your ACH transfer and loan proceeds, please contact your financial institution. 

Your first payment is due Wednesday, XX/XX/2022. 

If you would like to make changes to your pending loan, you may do so anytime prior to XXXX p.m. Eastern time, Monday, XX/XX/2022. 

Of course, please feel free to email us with any questions or call us at ( XXXX ) XXXX. We also accept calls made through the relay service ( dial XXXX ). 

Thank you, XXXX We plant a tree with every loan
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Account Name : XXXX XXXX I am submitting this complaint to address inaccurate information reported by TransUnion on my credit report. Despite my consistent efforts to make timely payments, TransUnion has reported incorrect late or missed payments, which negatively impacts my credit score. 
I have attached a screenshot that illustrates my payment history, showing an 88 % on-time payment record. The image highlights discrepancies, including incorrect late payments for XXXX and an inaccurate delinquency reported in XX/XX/XXXX, despite making timely payments for the rest of the year. 
Key Issues : Incorrect Payment Status : The record incorrectly shows missed or late payments in XX/XX/XXXX and several months in XXXX, though I made these payments on time. 
Harm to Creditworthiness : This inaccurate reporting has negatively impacted my credit score, affecting my ability to secure favorable terms on loans and credit products. 
Requested Resolution : I request that TransUnion immediately investigate and correct these inaccuracies by updating my credit report to reflect the correct payment history. Furthermore, I ask that TransUnion provide me with an updated credit report confirming the corrections. 
Regulatory Concern : I am aware that the CFPB has recently issued new fines against TransUnion for violations of consumer protection laws. I urge the CFPB to ensure TransUnion is held accountable for inaccurate reporting practices, as these errors cause real financial harm to consumers. 
I appreciate your prompt attention to this matter. Please contact me if you require any additional information to support my claim. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau.

The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding XXXX XXXX and XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from Alpine Credit saying they were attempting to collect a medical debt from me. They claim that the debt is from an imaging company. I have not had imaging done in the past year. I emailed them asking for additional and basic details surrounding the collection. They failed to respond. The details I need to confirm if the debt is legit include the patient name, date of service, and what the service was. These seem like basic details that should be provided in the initial collection attempt. This seems fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency refuses to put my home loan history or the existence of it on my credit report. 
My home loan has been in existence since XX/XX/XXXX, and the loan was placed in my chapter XXXX bankruptcy and when it was satisfied in XX/XX/XXXX, they wiped it off my credit report after the 7 year requirement to erase it. The home mortgage loan still has continued on to this day. And they refuse to place back on my credit report. 
Im still making my payments monthly and have never been late. 
I need help to get my loan back on my credit report
Product: Checking or savings account

On   XXXX    XXXX   2017 , I used my debit card at a gas station around  XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about  XXXX  there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were  2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the  " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m  oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.