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

I am writing to formally express my concerns particularly in highlighting insufficient issues with the platform. Despite of using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately..they informed me that covering the lost funds was impossible and that tracking these transactions was infeasible and they aloud scammers to scam Zelle has neglected me by failing to protect leaving users vulnerable to scam
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violations of the following provisions : 15 USC 1681e ( b ) : Duty to ensure the accuracy of credit reports.

15 USC 1681s-2 : Duties of information furnishers.

15 USC 1681i ( 5 ) : Failure to conduct a timely and reasonable investigation of disputes.

15 USC 1681c ( c ) : Improper reinsertion of outdated or inaccurate information. 

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report related to my account with XXXX XXXX XXXX XXXX ( Account # : XXXX ), but they have failed to properly investigate or resolve the issue. Despite providing evidence supporting my claims, Experian has not taken appropriate action and has failed to remove the erroneous information from my report. 

I have recently become aware of the XXXX lawsuit against Experian for failing to conduct proper investigations of credit disputes and their practice of reinserting errors onto consumer credit reports. I believe XXXX actions in my case reflect the same systemic issues identified in the lawsuit. 

Detailed Account of Events : Date ( s ) of dispute submission : XXXX, XXXX Disputed items : The specific inaccuracies on my credit report related to my XXXX XXXX XXXX XXXX account ( Account # : XXXX ). [ inaccurate on credit report. ] XXXX response : the account is accurate and is a charge off Evidence submitted : documents of my credit report and highlight the inaccurate information from Experian reporting and XXXX, and XXXX XXXX XXXX : I request that Experian : 1. Conduct a thorough investigation into my dispute and ensure that all inaccuracies related to my account with XXXX XXXX XXXX XXXX are corrected. 
XXXX. Remove or correct any inaccurate or outdated information on my credit report, including the account in question ( Account # : XXXX ). 
XXXX. Provide written confirmation of the actions taken to resolve this issue. 
XXXX. Ensure compliance with the FCRA and the recent CFPB findings regarding proper investigation of consumer disputes. 

I appreciate your attention to this matter and trust that the CFPB will work with Experian to ensure that my rights as a consumer are respected and my credit report is accurate.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I deposited a check for XXXX from a stock sale with Citizens ATM and there was a problem with the check not crediting to my account. I went to the branch first thing on a XXXX  XXXX and was told they can expedite a dispute and get back to me in two days. I have been given a runaround with the bank, the staff has misled me, no one can give an answer and so far I am out the money which is needed for other things I have had multiple problems with this bank and I never can get assistance, they need to be investigated for poor customer service that borders on fraud
Product: Credit reporting 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 dated the previous letter I sent 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. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00}.
Product: Student loan

I have tried on several occasions to apply for law enforcement jobs, but everytime I presented my degree I was turned down and when asked why, I was told the degree had no merit, I have since found out that the school was/is under scrutiny with several courts, One being in XXXX XXXX by there Attorney General XXXX, where she sues XXXX for using deceptive marketing to lure students into thousands in debts as well called for the closure of its criminal justice program, due to the fact that XXXX falsely convinced students that they could pursue law enforcement with agencies only to find out that the school was only nationally accredited and in order to purse such a carer the degree needed to come from a regionally accredited school. 

I do not know how long this has been going on, but I am asking for some type of closure or either some type of assistance in rectifying this horrific crime set out by XXXX. 

I have been shuffled around from XXXX to a company called XXXX then to a company called XXXX now the secondary loans are held with XXXX. XXXX XXXX XXXX XXXX XXXX with a balance of XXXX $ I have attached information from the school referring to my federal loans which Ive actually have already put in action with student financial aid department a claim as well. 


I am not one that does not pay their bills I have been trying to make as many payments as I can to keep my credit up..All I am asking is for a fair look at my situation. I am not in default as of yet. Thank You for hearing me out, Before I end, I also do not truly believe that everything that was signed was truly my signature, for that matter I don't know all that was signed
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. The following items must be updated or deleted immediately for they are greatly harming my credit : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Money transfer, virtual currency, or money service

I have a BinanceUS account that was completed verified and was able to do normal transactions. Today ( XX/XX/2021 ) I have received an email asking for a Video verification that I have sent. I was able to deposit more money into the account, but when I try to withdraw my money it is saying that " withdraw is suspended for XXXX XXXX ''. I have sent email, open tickets and even contact them on twitter with no response and still not able to withdraw my money. Now i have {$690.00} on this exchange that i am not able to send to my account. I really appreciate your assistance with this matter.
Product: Debt collection

I received a letter from United Collection Service , Inc. dated XXXX XXXX, 2016. I replied by certified mail / return receipt disputing the entire debt and this letter was received and signed for by them on XXXX XXXX, 2016. I have not received any written communication from them since their receipt of my letter. But today the attempted to contact me by phone which they are not allowed to do as they have they received my written dispute letter and not responded to it.
Product: Checking or savings account

I have two  checking accounts with USAA. I asked for over draft protection for account ending in XXXX and to be secured with my USAA savings account. The agent of USAA did the set up but put over draft protection on the savings account with checking account as the cushion. This was done on XX/XX/XXXX. I had a NSF fee of {$29.00} assessed to my checking account because the agent placed the over draft on the wrong account and now they will not reverse my NSF fee.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I reviewed my credit report to wonder why I am getting denied lines of credit. To my surprise I noticed XXXX accounts reporting that I have not give consent to authorized those account to be reporting on my consumer report. This type of action is a violation of my right for privacy. No creditor or collection gave me any option from sharing my personal information to third party affiliates. Also I search for my information to see if my personal information have been exposed and the result so that research shock me. I am a victim of identity and exposed to a XXXX XXXX breach. I am demanding for all bureaus to remove the accounts listed within the FTC and based on the XXXX XXXX XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX is reporting wrong on this account. this needs to be removed. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. XXXX and XXXX has deleted this information but experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Bank account or service

Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXXXXXX Account Number:XX/XX/XXXXAccount Name : XXXX XXXXXX/XX/XXXXAccount Number:XX/XX/XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered a consumer credit transaction with Discover which I extended them credit. Discover never provided adequate notice which clearly and conspicuously mentions the pertinent facts of the transaction. The term " adequate notice '' means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a consumer against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Since the adequate notice was not given. I couldn't understand which is a violation of 15 USC 1602 ( k ). Further, a consumer must be aware of the cost of transactions. Since I was not aware of the transactions therefore I made an uniformed decision and it resulted in multiple billing errors and unfair credit card practices. According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use from which the cardholder receives no benefit. From Discover 's end, I have not benefited from this transaction which is a violation of 15 USC 1602 ( p ).
Product: Student loan

In  XXXX , shortly after I graduated in  XXXX , my mother had me reconsolidate my student loans. At the time, they were unde r American Education Services. After reconsolidation, they were transferred to FedLoan Servicing. I did not understand what I was doing, to be honest, and thought my loans were all under American Education Services still - so I was not aware of my loans under FedLoan Servicing. They claim they tried to call me, but apparently all of the calls went to my spam. Therefore, they went into default. When I finally became aware of them, I tried to set up some sort of repayment but they told me I had no options. As the late fees and past due payments were too much for me to pay upfront, I fell behind and default a second time. I am trying to figure out what my options are to bring the loans into repayment. I contact them repeatedly and each time I either am t old I have no options and I either have to pay the full amount or it will keep increasing in the amount I owe or I am transferred endlessly between departments with no one able to tell me what my options are. Each department tells me something different and transfers me to a new department. This ha s ruined my credit score and my rental applications are being denied because my student loans are in default ; I am currently sleeping on friends ' couches as I have nowhere to live.
Product: Credit card or prepaid card

Subject : Request to increase the approval credit limit I have been using credit cards of Capital One Bank for a bit of time, I have 3 credit cards open in good standing and one credit card closed in good standing, thats currently 5 years old. I have always had a good solid record of paying all my credit cards bills on time with your company. Due to my current situation. Based on my complaint, I would like to request you to increase my approval credit line to at least {$1000.00} or {$1500.00} for account ending in XXXX which is my XXXX credit card for good credit. Please note that this isnt a credit line increase that I am requesting, it is based upon my approval notice. 

My job requires me to travel more than usual. I know that my company will sponsor my travel expenses but there are so many such expenses that I will have to bear from my pocket. I apprehend that I would fall short of money if I used a credit card for this purpose. Therefore, I am in dire need to get an approval in my credit line of {$1000.00} - {$1500.00} but if not Im cool with my {$500.00} credit limit. I am attaching a list of all my job title and current income as an attachment. Thanks again for your consideration and God bless us all and stay safe.
Product: Mortgage

While this matter was closed by the CFPB yesterday, XXXX XXXX XXXX, I was and have been waiting for a response from XXXX XXXX XXXX of the Chase Executive Offices after I call I had with XXXX XXXX last month. After recieving a voicmail from XXXX XXXX, I returned her call on or about XX/XX/year>, at around XXXX XXXX  and had been waiting for her to respond, however I noticed this am, that my opportunity to respond ended yesterday without XXXX XXXX having returned my call. 

Based on the discussion I had with XXXX XXXX about information being recieved and sumbitted to my " closed out mortgage '' filed by an Attorney XXXX XXXX XXXX, acting as a " title company '' when Attonrey XXXX was an " XXXX attorney '' involved in fraud\attorney misconduct, and that Chase had failed to inform and notify me of said submitted documents ( accepted and added to the file without any verfication being performed at the time of acceptance, along with no notification being made to me ), XXXX XXXX informed me that she would need to review the information further, eventually leaving me a voicemail, claiming that it wasn't the individual that I had reported to Chase that had submitted the form but a third party vendor. In response, I called XXXX XXXX back, leaving her a message as well and requested that she ( Chase ) then needed to provide me with the name and contact informaiton of that " third party '' that she mentioned in her own voicmail to me, as which point, XXXX XXXX ( Chase ) chose not to respond nor provide me with said requested information on said 3rd party. As such, I am opening this second complaint, as it would appear that Chase is more interested in aid and assisting in coverning up a matter of fraud, reported separately to CFPB, in provided additional details of said fraud\acts of fraud and attorney misconduct pertaining to the individual whom I reported to Chase that was " posing as a title company ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my Experian and XXXX  credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to Experian that the information was accurate. Around XX/XX/2019, I received the same notification from XXXX that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted Experian and XXXX between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, Experian & XXXX  refiled disputes of the tradeline and again reported it had been verified within XXXX weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either Experian & XXXX, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  Experian and XXXX  do not posses any legitimate form of validation of the disputed tradeline.
Product: Consumer Loan

Dealing with bank that is notorious for trouble, and discrimination. Tried getting secured loan, first told I was denied for not having enough money in savings account, branch manager informed me to put just XXXX more in savings account, no problem, did that, branch manger resubmitted request, now I 'm denied for debt to income ratio. District manager gets a wiff, now she files complaint on my behalf realizing there is something definitely wrong, something I 've been saying 30 years now.