23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I requested for my refund check for a gift card dispute which I won, but prior to requesting I applied for a name correction which was approved so when I got to XXXX I could not cash it because they said an alphabet is missing XXXX XXXX is on the check but my new ID now has XXXX XXXX ( receipt attached ) I sent an email to XXXX on XXXX XXXX / XXXX  to inform them of the name change from XXXX XXXX XXXX XXXX XXXX and I submitted my ID to back it up, ( XXXX ) in the email I also informed XXXX XXXX void the check, I never got a response so I called XXXX XXXX on XX/XX/2024 to get an update, XXXX XXXX few days later that my check was cashed on XX/XX/2024! I requested for a cleared copy of the check which XXXX refused to produce, I checked the waste and saw the check signed on another name entirely, so definitely the fraudster used a mobile deposit, and that should make it easy for XXXX because theres meta data, location, time stamp and all but XXXX are enabling and protecting. Fraudster also how did XXXX XXXX cashed a check for the scammer when it was clearly written at the back of the check that POSITIVE ID REQUIRED AND THIRD PARTY ENDORSEMENT IS PROHIBITED? ( IMAGE ATTACHED ) I DO NOT KNOW ANY XXXX XXXX XXXX that is the name signed on the back of the check I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK I WANT MY {$500.00} CHECK ON MY CORRECTED NAME XXXX XXXX AND I WANT IT EXPEDITED
Product: Checking or savings account

XX/XX/2022 On XX/XX/2022 my car was broken into at the XXXX XXXX XXXX in XXXX, Colorado. I immediately filed a police report with XXXX XXXX XXXX of the XXXX Police Department. My case number is XXXX. My purse and wallet were stolen. My Wells Fargo ATM card was among the stolen items and I contacted Wells Fargo the following day, XX/XX/2022, to inform them of this fact. There was a fraudulent debit card transaction on my account in the amount of {$1900.00} which posted on XX/XX/2022. 

I was informed that my fraud claim would be investigated. I expected that because the Electronic Fund Transfer Act ( EFTA ), I would be reimbursed for the full amount. 

I subsequently received an e-mail from Wells Fargo Claims Assistance Center on XX/XX/2022 telling me the inquiry was closed and a letter informing me of its decision was forthcoming. I immediately contacted Wells Fargo by phone wishing to know of its decision. I was informed by XXXX that my funds would not be replaced. I informed XXXX that under the EFTA, since I notified the bank within 24-hours of my stolen ATM card, my liability was limited to {$50.00}. I was informed by XXXX that a resolution specialist stated that the full amount would be credited to my account within 24-48 hours and possibly the same day. 

As of today, Wells Fargo has not credited my funds back into my account. 

I would like the CFPB to inquire into : Why my funds have not been credited into my account as required under the Electronic Funds Transfer Act ( EFTA ).

Why their fraud department is unaware of the EFTA.

What their policies and procedures are concerning lost or stolen ATM card and whether they are in compliance with those policies and procedures. 

Thank you in advance for your attention to this matter. 

XXXX : Email to XXXX XXXX on Wednesday, XX/XX/2022 Bank emails Bank statement XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with this account with Transunion, XXXX and XXXX and it is still being improperly reported. The amount is for {$5800.00}, the date the account was opened was XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions h
ave caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my Equifax report and XXXX report.
Product: Credit reporting or other personal consumer reports

Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXXXXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines. 

XXXX XXXX XXXX XXXX
Product: Student loan

AES will not permit my daughter or me to set up automatic payments because they do not have an autopay program for students who are not in repayment and are instead only paying interest. Interest payments are just as difficult to remember to make each month. AES has reported us to the credit bureaus for being days late on making small ( $ XXXX {$50.00} ) interest payment. It is customary in the industry for a legitimate loan servicer to offer ACH aka autopay on all payments due. Perhaps AES does this in order to earn fees for late payments? There are no other logical reasons why they would not offer autopay on interest only payments.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any erroneous accounts. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 


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

I am disputing XXXX and Account numbers XXXX. XXXX XXXX. XXXX XXXX has re-aged this account. The current information is inaccurate and is reported as a later date from the date of first delinquency. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 mailed company a letter, certified mail on XX/XX/XXXX to Portfolio Recovery Associates, requesting they validate the alledged debt. I requested they send me a copy of the contract or agreement. I also requested that they cease and desist all collection action. 

On XX/XX/XXXX, PRA sent a letter showing they now own the account. Also credit card statements from XXXX. None of this information, meets the qualifications of validation of the debt. 

I mailed the company a letter, certified mail on XX/XX/XXXX, stating that they failed to send me the requested information, they also failed to cease and desist all collection activities because the debt still shows on my credit report. 

It has been over two months and they have not responded. 

Their failure to comply has cause me undue stress, frustration, and credit damage and they are not adhering to my rights under FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX reporting old medical bills as collection items. XXXX reporting account Affirm and I never received any goods or services from this creditor. I was not allowed to dispute these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$18000.00}, {$7400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with  a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- OPEN ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax continue to report inaccurate information onto my consumer report. Equifax has not provided me with any documentation to prove I was indeed on late during these months that they are alleging I was late please take note the other XXXX credit bureaus are not reporting this account and the information but match across the bureaus. I would like to know who exactly Equifax spoken to to verify this debt. 

) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit card or prepaid card

I purchased a PayPal prepaid XXXX Debit card at XXXX. I added {$500.00} to this card at the register when I purchased it. When I got home and tried to activate it I was told the card could not be activated because it is " unbound '' and to talk to XXXX because something went wrong there. XXXX said everything was done properly on their end, which was expected because I have a receipt. XXXX called the card issuer. The rep for the card issuer, PayPal was rude to me and the XXXX staff and hung up on us multiple times. It took about 3 hours for the manager at XXXX to reach someone at PayPal who said he would help. Multiple companies including PayPal, XXXX, XXXX and XXXX are all involved in this transaction, yet no one will take responsibility to resolve this and return my missing funds. I'm out {$500.00} and I'm holding an inactive card. A person named XXXX at NetSpend said that if I emailed my receipt, identification and card that I would be refunded. But he had another agent call me who said they would mail me a card and it would take a week. I bought this card for a road trip and I'm leaving tomorrow I can not wait a week. PayPal is the leading company for electronic money transfers yet they refuse to transfer the funds back to the XXXX XXXX card that I used to make the purchase. The agent hung up on me.
Product: Debt collection

We filed bankruptcy XX/XX/2018. We had the collection agency as well as the collection agency client list in the bankruptcy. The bankruptcy was discharged mid-XX/XX/XXXX. We are still getting collection notice from this agency. I have written them several letters advising them if this and to contact the attorney that handled our case. The bankruptcy case # XXXX. The collection service information is American Collection Services , INC, and the client information is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX and Experian have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need Experian, XXXX and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Product: Credit reporting or other personal consumer reports

Violation of the FCRA : Inaccurate Reporting and Improper Disclosure of Information Description of the Issue : I have identified inaccurate information on my credit reports with TransUnion and XXXX. Both agencies are incorrectly reporting late payments on my XXXX  XXXX account ( account number : XXXX ). According to my records, these payments were made on time. 

I sent a letter to XXXX  XXXX on [ XX/XX/XXXX ] requesting validation of the debt and correction of the errors. However, I have not received a response within the timeframe established by the Fair Credit Reporting Act ( FCRA ). I later disputed the information directly with TransUnion and XXXX, but the errors persist. 

Furthermore, under the FCRA, no agency has the right to disclose incorrect information or violate my privacy by reporting inaccurate data about my financial history. This noncompliance jeopardizes my privacy and my credit reputation.

The improper disclosure and inaccurate reporting of this information are damaging my credit score and my ability to obtain credit on fair terms. This also represents a potential violation of my privacy rights under the FCRA. 
I request that : All inaccurate information and incorrect late payments be removed from my credit report. 
The agencies and creditors cease disclosing incorrect information in my history. 
I receive written confirmation that my information has been corrected and that my privacy will be respected in accordance with the FCRA. 

Attached Documents : Certified mail proof of sending. 
Current credit reports showing the errors. 
Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XX/XX/XXXX Last 4 of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the handling of disputes by Zelle, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights serious issues with the platform.

Despite using Zelle for numerous transactions, I have encountered significant difficulties when attempting to resolve discrepancies. After reporting these issues to both my financial institution and Zelle, I have been informed that my claims would not be investigated adequately. Furthermore, I was told that recovering the lost funds was not possible, and tracking the disputed transactions was deemed unfeasible.

I find these responses unacceptable, as I believe Zelle has a responsibility to ensure the security and integrity of transactions made through its platform. I request a thorough review of my case and a resolution to the issues I have raised.

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts listed on my credit report, which were reported by your credit bureau. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law.

Your lack of cooperation in resolving this matter is unacceptable. I demand that these accounts be promptly removed from my credit report. I anticipate a swift resolution to this issue.
Product: Mortgage

My mortgage was recently bought out and transferred to PHH mortgage on XX/XX/XXXX. My property taxes were due XX/XX/XXXX and when I contacted their customer service to make sure with the transfer and everything they were paid - they stated yes Im all paid up for XX/XX/XXXX taxes. According to their records next payment is not due till XX/XX/XXXX. Next comes a surplus check from an escrow analysis done XX/XX/XXXX saying I have an overage in my account. Its clear to me they havent made any payment for XX/XX/XXXX, so I called XXXX county treasurer and sure enough no payment, they stated that a certified letter is being mailed and there is a penalty added to it of XXXX. I then reached back out to mortgage company and they gave me a fax number to submit the bill along with a letter of service error. I have submitted these documents to them on XX/XX/XXXX. I have checked my account online as of XX/XX/XXXX looks like they made a payment to county tax but when I call they just state the facts of what I already see. I have contacted treasure office but they havent received payment yet. Its very frustrating because I cant seem to get a straight answer from their customer service. They are reading off a script and keep putting me on hold to try to get more information but then state everything I already know. They should be able to provide me with more specifics as when the payment is mailed out when they expect it to get there? Are you covering the late fees. This should all be well documented. At this point I am in limbo waiting to make sure XXXX county receives the payment. Im concerned that there will be a tax lien put on my property due to this companies failure to do its job with my escrow. Please advise if any further information is needed Im looking forward to this being resolved as soon as possible,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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: Credit reporting or other personal consumer reports

Rozlin Financial is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.