23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXXXXXX with ( 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 are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm a XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Clear Recovery Inc. 

This collection agency has been harassing me by calling my telephone and leaving voicemails. 

They claim to be a debt collector, and I have no other information as to why they continually call my phone. 

I have no dealings with this collection agency, they have never contacted me about verifying any debt, yet they continue to call. 

I dont owe Clear Recovery Inc. anything, and I want them to cease and desist from contacting me. 

And if they have placed any derogatory information on my credit files, I want it removed, and I would like hard copy proof, that, that has been done. 

Clear Recovery Inc. can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Product: Vehicle loan or lease

I bought a little red XXXX XXXX XXXX from XXXX on XXXX in XXXX XXXX the first year of my XXXX  career, in XX/XX/XXXX, and paid Wells Fargo for 5 years : {$360.00} per month. ****A month before the end of the loan, they arbitrarily charged me an extra {$600.00} when I applied to get the title.I knew I was being wronged! I called them repeatedly and discussed the problem with customer service. They could never explain what the fees were actually for, and could not guarentee they were valid!!!
They said these were " various fees. '' I refused to pay various fees to get the title. I went to the local branch and lodged a complaint as well.
They quickly repossessed my car -- it dissappeared!
I paid them {$360.00} for 5 years!
I was devestated. I called an attorney but he told me no one would tangle with Wells-Fargo -- I should have just coughed up whatever they wanted, even if wrong.!! My credit was dinged badly. It was 2 years before I could afford to buy a used car off XXXX. I walked everywhere. I was a single Mom, suffering from XXXX, and did not even have a car to get to my XXXX job. Because of very ill health due to XXXX, I had to leave the job anyway. This was a real turning point. It there any way you can find my records with Wells-Fargo and help me recover any damages? I see in the news that they are STILL CHARGING ARBITRARY FEES WRONGLY. Often, people will nt find out -- until they try to get the title!!!! I do not have my records anymore.I saw my car being offered on a " lemon '' website -- my car was utterly in perfect working condition! They were trying to get {$4000.00} for it. I paid {$360.00} a month for 5 years -- and would have happily used the same car for 5 more years! What a mess! And what a nasty thing to do to a vet!!! Personal information -- -do not publish this part below -- -- XXXX XXXX . XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX SS # XXXX DOB XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX My name is XXXX XXXX. I kindly request assistance with a pertinent matter involving the acquisition of Social Security survivor benefits for my niece XXXX XXXX. 

My dear sister XXXX XXXX passed away on XX/XX/XXXX. All agencies were notified of her demise, including the Social Security Administration and Chase bank. XXXX is survived by her daughter, XXXX XXXX, my niece. XXXX is a minor ( Date of birth XX/XX/XXXX ) and orphan. I was appointed as her legal guardian on XX/XX/XXXX. I also applied to be her Representative Payee for her Social Security XXXX Benefits. 

On XX/XX/XXXX, I was informed by the Social Security Administration that they had released over {$7000.00} in retroactive Survivor benefits for XXXX to a Chase account ending in XXXX on XX/XX/XXXX ; an account with XXXX and XXXX name ( s ) on it. Prior to receiving this information, in XX/XX/XXXX, I submitted a copy of XXXX Death Transcript and the Letters of Administration to identify me as the appointed Administrator of my sisters estate. The facilitation of this process has involved a significant amount of time spent away from work and other necessary affairs. 

XXXX legal address is the same as mine. However, I never received any notification from Chase, informing me of the payment that was disbursed. As a child, she can not withdraw funds on her own. Therefore, I am surprised that such a respected and well-known financial institution as Chase Bank , did not identify or notify XXXX 's legal guardian to properly disburse these funds. As mentioned earlier, I submitted the required paperwork to both entities and I have reached out to Chase Bank on several occasions however, in spite of my best efforts, Chase has not agreed to release these funds. 

The welfare and safety of my niece became of prominent importance to me upon my sisters death. XXXX is a XXXX XXXX XXXX  of XXXX with special needs. Truly a vulnerable individual who could easily be mistreated if sent into the foster care system. XXXX was her only surviving parent and now she is an orphan. As a society, it is not only a duty but also a privilege to protect those who are most vulnerable. Therefore, I implore you to assist in the following : release of the funds by Chase bank to me by a bank check. 


Best regards. 


XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$3500.00} Deposited Cashier Check into XXXX XXXX XXXX XXXX Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} Zelle Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via Zelle for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed Zelle provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. 

I called Zelle to stop the payments as it was pending couldnt i explained the situation, trying to get ahead of it they stayed if not cancelled in seconds nothing can be done! I will never use Zelle again, its like the intentions is to support the ones who are running these scams.
Product: Student loan

Long story short. I am due a refund from pslf loan forgiveness and the dates are very wrong. They want to refund me from XXXX of 2021 till now. I know for a fact they owe me from XXXX of XXXX not XXXX of XXXX so I filed a complaint. Nothing was ever done or resolved and they closed my case! This is not over and I have filed another complaint with the us dept. of education. I also sent a notice to Attorney General of NYS. I also had the ombudsman group work on it and they also did nothing and closed my case. My loans have been forgiven but they have not refunded my over payment.
Product: Credit reporting or other personal consumer reports

My report still reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX Bank : {$3100.00} : Fraud Open : XX/XX/XXXX State XXXX : {$4000.00} : Fraud Open Date : XX/XX/XXXX XXXX Card : {$5800.00} : Fraud Open : XX/XX/XXXX XXXX XXXX XXXX : {$5300.00} : Fraud Open Date : XX/XX/XXXX XXXX Off : {$55.00} : Fraud Open Date : XX/XX/XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  regarding 7 unauthorized hard inquiries I found on my report and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue. It has been well over 45 days and not 1 hard inquiry has been removed. They are not cooperating and it's getting really frustrating because these hard inquiries are affecting me. The hard inquiries listed and all unauthorized XXXX XXXX XXXX   Inquiry : XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX. 
XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I'm deeply concerned on how Zelle is handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was almost impossible and that tracking these transactions unfeasible. Per this groups findings, Zelle has not only neglected to protect their consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit card or prepaid card

On XX/XX/2022 Capital One froze my Capital One Venture credit card without explanation. I received an email notice stating it was due to " suspicious activity. '' As a result, I called customer service. The explanation provided by customer service was that my identification documents needed to be checked. The phone representative requested that I upload my identification card to their website, which was done on XX/XX/XXXX. The customer service representative stated that the website could not scan the identification, requiring manual review by a specialist. Furthermore, the customer service representative could not provide a date that account access would be restored. The customer service representative stated that it would be a minimum of 2 weeks for a specialist to reach out to me ( ten business days ) which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached information I received today from XXXX XXXX XXXX XXXX. IT IS NOT what I have been requesting. I have been requesting the VALID PERMISSIBLE PERMISSION from 4 years ago that was used to purchase a car fraudulently in my name. It doesnt exist but I have been requesting it to prove to XXXX XXXX XXXX XXXX that the purchase was fraud and theft. XXXX XXXX XXXX XXXX UNLAWFULLY accessed my credit so a thief could purchase a car in my name. XXXX XXXX XXXX XXXX knows the permissible permission does not exist and will continue deleting this complaint by labeling the complaints as duplicate. 
THEREFORE and according to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. In order to help resolve the consumers dispute, the Credit Reporting Agency is required to review all relevant documents submitted by the CONSUMER ( which is me ) and will forward such documents to the furnisher IF THE CREDIT REPORTING AGENCY is unable to resolve the issue based on those documents. I am requesting and demanding Transunion and XXXX XXXXo review the ATTACHED application that XXXX XXXX XXXX XXXX claims is the reason they had permissible permission. The attached application clearly proves XXXX XXXX XXXX XXXX unlawfully accessed my credit report. NOTICE IT IS UNDATED AND INCOMPLETE AND SHOULD HAVE NEVER BEEN PROCESSED AS REFERENCED AT THE TOP OF THE APPLICATION. I AM DEMANDING TRANSUNION AND XXXX NOT SEND ANYMORE WORTHLESS FORM REPLIES THAT SHOVE THIS MATTER TO THE SIDE and to review the document for completeness and accuracy which didnt allow my personal information to be accessed. Surely after 4 years Transunion and XXXX  would have already investigated by receiving the attached application used as the permissible permission from XXXX XXXX XXXX XXXX. In addition, I have attached Transunions NOTARIZED Identity Theft Victim Affidavit. What further proof is required?
Product: Credit card or prepaid card

This dispute was incorrectly resolved twice after the merchant challenged the decision. I have just received the exact same packet rejecting my claim, including the exact same irrelevant documentation from the merchant, as I received in XXXX. Clearly no one read my XXXX letter, and the " review '' I have been waiting months for was a sham. 

The merchants additional documentation proves only that the table was ordered and receivednone of which is in dispute. Their documentation is therefor irrelevant tot he case. 

I ordered a table, received a heavily damaged table and returned it ( as the merchant does not dispute ), received a second heavily damaged table on XX/XX/XXXX, immediately contacted XXXX via the customer service chat, spoke with XXXX who apologized, told me to dispose of the table ( which had very sharp broken edges ), and told me I would receive not only a refund but also additional credit because I had ordered the table special for a family barbecue ( now missed ), and because I have been a very good XXXX customer since 2005. That same day, he sent me an email confirming the refund, which I have uploaded. As I also demonstrated on Discovers chat, the emails metadata links to my XXXX account. 

I did not return the table because XXXX Customer Service told me not to. The email from XXXX Customer Service, stating that I am receiving a refund, is attached and I believe represents a binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is I reported inaccurate inquiries to TransUnion and instead of them investigating and removing the false & unauthorized inquiries they just mailed me a general letter about inquiries. I found that disrespectful to say the least. My personal information was used against my consent and for TransUnion to not even properly investigate the matter is totally unacceptable. I have attached all letters and documents I sent to TransUnion. Thank You XXXX bless
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. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section2. 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, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing in response to a recent notification on my credit report. The information reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Truist bank withdrew double my mortgage amount from my account. They refused to return the funds to my account unless I could prove that they took it from me - even though it clearly shows on my account that they took a double charge ( as in can see in their truist account and visible and acknowledged. They then refunded but would only mail the check to me, which will not help me to pay my bills and further delay return of my funds. The reason they said was because they refuse to cover the wire fee associated with returning the money which they had stolen. They literally stole my money, held it and then delayed its return because they were too cheap to cover the fee associated with their error. The customer service was horrific and while I expressed with the customer service reps the horrible financial position they had put me in, they literally laughed at me. I really hope at some point the government identifies this scumbag bank for what they are and does something about it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address my dispute and their inadequate response to my request for investigation, as evidenced by their response letter dated XX/XX/2024. 

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 

I received a response back from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

Enclosed with this complaint, you will find a copy of the dispute letter I sent to TransUnion, along with TransUnion 's response letter dated XX/XX/2024. TransUnion 's response indicates a failure to conduct an investigation into the inaccuracies on my credit report, despite providing all necessary documentation. This failure is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Despite my previous XXXXhree written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Product: Debt collection

I have filed a FTC report stating that I was a victim of identity theft, I sent in proof that I Was incarcerated at the time when the actions that are reporting on my credit report happened. The FTC report was filed XX/XX/2021. I have also sent letters to XXXX  and XXXX  directly explaining my situation. Not only are the accounts NOT MINE, there is one account that is reporting three different time on each report being very damaging and obviously not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.