23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX a transaction in the month of {$17.00} for a gas station called XXXX was made on my account. This was an unauthorized charge on my account and when I called XXXX direct, they refuse to let me make or dispute. These charges that because I have used this gas station in the past that it was a double charge. I then contacted XXXX myself. and they stated to me that they do not have any record of any transaction made of {$17.00} on my account on their records of happening on that day. I explained that to the XXXX company were then they hung up on me denied me the right to dispute the transaction, and then ordered a new debit card on my behalf, and then charging me for it without making me aware of what was going on, then today on XX/XX/XXXX I go into my account and it states on XX/XX/XXXX that they deposited {$23.00} to my account then write above that they deducted that {$23.00} from my account I called the company and asked them why this was happening. They did not have a reason that they could give me, but the reason they did tell me was the {$23.00} was sent to the original debit card that I had but because they issued me a new one that they sent it to the new card that I would be receiving and that I should go on my account and open up my virtual card and then I would see the {$23.00}. Thats when I opened up the virtual card with the lady on the phone and my balance was at XXXX then she continued to tell me that I made a purchase at a convenience store and I looked up the transaction. The transaction was for {$1.00} cents and when I had said that to her, she told me that she had enough, and she hung up on me. Nobody could give me any answers of why this bank keeps taking money out of my account that does not belong to them, and they could not give me any transactions, that would say this is why were taking this they could not provide me anything. I have made no transactions on this account since end of day of XX/XX/XXXX. Something is going on nobody is helping me they are treating me poorly and answering my questions, not providing my banking information, and basically stealing my money out of my account and continuously giving me the runaround and also continuingly lying to me I work very hard for my money
Product: Money transfer, virtual currency, or money service

I am writing 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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me to recovering lost funds impossible and that tracking these transactions was unfeasible. The CFBSs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
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 : 1.XXXX XXXX XXXX XXXX  XXXX 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 EXPERIAN 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 this account is mine, I have requested contracts from this company with my information and for more than 60 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: Student loan

This company is making it impossible to repay my loan. There are no options for payment that do not result in additional charges. Trying to make a payment by phone, only open from XXXX to XXXX mon - Fri. Wanting to pay online is a percent, costing {$17.00} or more in fees. Pay by check is a {$2.00} fee. Auto withdrawal is n't working and they charge a {$20.00} late fee. 

This is robbery. The interest is bad enough, but the inability to pay without extra fees is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.
Product: Debt collection

Last week I received a letter from Partners Financial Services , Inc. collecting a {$2000.00} debt to XXXX XXXX XXXX University in XXXX XXXX, Florida. 

You must first know that I do not know what they are charging me, I did not know anything about that debt. 

In XX/XX/2021, I enrolled at the XXXX University to take English classes, they offered online classes from Monday to Friday in the morning, I enrolled with XXXX dollars, and the monthly fee was XXXX dollars. I started the first days of XXXX, online and the first class Professor XXXX XXXX asked me what I was doing there, because that was a class for advanced English speakers, and that he did not give classes to beginners. He told me that he would talk to the Manager to change my class. In the same way, I also went to speak in person with the Manager the next day. He told me that he was going to send me to another class. So I did, the next day, I went to the link and it was another class for university students who were in their degree projects, that is, they were not classes to learn English. I went back to speak with the Manager and he sent me again to XXXX XXXX who with an annoyed expression told me that he could give me beginner classes from XXXX XXXX XXXX XXXX XXXX, one hour a day and that if I wanted I could enter the level class. advanced. For my level they were giving me an hour of classes a day and I had paid for 4 hours, they were not complying, I attended their classes for almost two months, until I found another university that gave classes for my level. I went to the XXXX XXXX XXXX University in XXXX XXXX to tell them that I was leaving for those reasons, and the Manager told me that I had to pay for the full semester, I told him that I couldn't, because they hadn't met the classes, I asked him for a copy of the contract that I had with them to pay for the semester and he told me that he would send it to me, and I never received a copy, nor did I hear anything from them until now that I received a letter from a debt collector. 
Please, I just want justice to be done because they did not fulfill their commitment. 

I appreciate all your help, because I can't afford to pay {$2000.00} for services I didn't receive. 

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

XXXX XXXX from XXXX XXXX XXXX sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to XXXX XXXX XXXX  and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD XXXX for XXXX XXXX XXXX  on XX/XX/2020 regarding XXXX mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with XXXX XXXX XXXX  in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and XXXX XXXX XXXX  in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX  XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX  XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for XXXX XXXX XXXX. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for XXXX and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, XXXX XXXX XXXX  responded to my emails and said that the mortgage company for XXXX agreed to remove the negative reporting that my mortgage was late XXXX XXXX  since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because XXXX mortgage dept was taking too long to respond to me. However, the letter XXXX sent in response to my better business bureau and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. XXXX XXXX XXXX   mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to XXXX in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for XXXX in XX/XX/2020 and not my second mortgage company. I need XXXX to do what they said they would do, remove the negative report from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

WesBanco Bank sued us over a loan on an RV. The suit was argued in the Wyoming courts and then dismissed with prejudice on XX/XX/2016. The bank was also ordered to pay our attorney fees of {$1200.00}. The bank has continued report us delinquent each month since and claims a balance owed of {$80000.00}. The bank has yet to pay our attorney fees. Several inquiries both in writing and by telephone by our attorney and ourselves has failed to illicit any response and attempt to resolve this situation by WesBanco to remove these items from my and my wife 's credit report. 

The included court documents have been submitted to WesBanco and all three credit reporting agencies, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Please delete this negative accounts. PLEASE DELETE IT XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I want to know why CitiBank took 3 months to update my account balance from {$950.00} to {$0.00} and then turned around when I disputed their reporting to XXXX and pulled a credit check on me to close my credit card which dropped me XXXX points despite paying off my full balance. 

My credit score dropped in one whole month from XXXX ( qualifying score for their card ) to XXXX as a result of them adding and removing remarks to my account on top of shady business practice. 

My score the day they closed it would have been a qualifying one had they properly reported for 3 months. They used a fraudulent score to cancel my credit card in the store as they DAMAGED my score for 3 months and my score went up XXXX points the day they CHANGED my information however my credit score surely would have been within range on the day they did a credit check if they properly reported my balance due. 

Nothing about my accounts has changed since they approved me, they have a full view of my credit history and should not have approved me if they seem me such a risk. 

Closing this account has caused further damage to my score as I sit at XXXX today and would surely be above XXXX if I had that open line of {$1000.00} credit with a {$0.00} balance. 

They must not have realized I make over {$66000.00} a year because there should be no reason for denial especially after I paid their balance in full. 

Attached in photos you will see my credit score as high as XXXX the day I disputed the negligent reporting of my credit score. 

You will see that XXXX and XXXX is still reported as unknown despite the date of account closing. There has been severe mishandling of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXCAPITAL ONE AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

As of XXXX I was told I was not able to get my monthly payments lowered & would have to start making Payments toward my loan of {$160.00} or more. Until I begin school in XXXX I would have not been able to defer my payment if I was not taking another course. I am a single mother of XXXX living in my home and I am not able to make those payments.
Product: Mortgage

I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Here is a draft formal complaint to the CFPB requesting FTC involvement against Capital One : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear to whom it may concern, I am writing to formally complain about unlawful practices by Capital One and request immediate investigation and action from the CFPB and FTC. 

I filed an identity theft report with the FTC detailing fraudulent activity on my Capital One credit card account. Despite having notice of this activity, Capital One continued illegal collection efforts for the fraudulent charges and refused to remove the associated tradeline from my credit report. 

I am going to file a civil lawsuit against Capital One outlining violations of XXXX XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX, XXXX. See attached Supreme Court XXXX Connecticut XXXX XXXX. XXXX. Capital One was invoiced for {$10000.00} in damages but has failed to cease unlawful conduct. See attached invoice and affidavit of truth. 

Capital One is knowingly violating fair credit and debt collection laws. I request the CFPB immediately open an investigation into Capital One regarding this complaint. I also request the FTC join the investigation and enforce the identity theft report I previously submitted. Capital One must be held accountable for its blatant disregard of consumer protection laws. The company continues harming my credit and financial position. 

Please contact me immediately to discuss this urgent matter. Capital One must face consequences for its predatory practices. I look forward to the CFPB and FTC taking swift action on this complaint. 

Thank you for your attention to this serious issue. 

Regards, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED Without recourse
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Including 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Cash app took XXXX from funds that were transferred to me on XX/XX/23 and did not provide a transaction on my statement to explain the charge. I messaged support about the missing funds, to which they replied saying it was for a purchase I made from XXXX between XXXX XXXX XXXX that they mistakenly refunded and this was to correct my account. 

I disputed the claim, asking for supporting documents to back their claim as on my statements I don't even have a total of {$120.00} spent at XXXX - in fact, I hadn't spent that much at XXXX on this account since XXXX of this year. They responded with another message saying they investigated and confirm the fee was to correct their mistake. No documents to support, no clear dates on when these transactions occurred and none of this is reflected on my statements.. 

They have yet to respond with anything that supports their illegal withdrawal.