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

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

List of Unauthorized Inquiries : XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report. 
XXXX ) XXXX XXXX Date of Inquiry : XX/XX/2023 Request : Remove from my credit report.
Product: Credit card

Amex used higher APRs to calculate interest/finance charges on my XXXX 2016 ( XXXX/XXXX/16 ) Amex Clear Card Statement.
Product: Money transfer, virtual currency, or money service

I received a letter from XXXXXXXX XXXX. a debt collector stating I borrowed money from RISE Credit of California for {$3500.00} sometime in XX/XX/year> and the money was transferred ' Borrower 's Bank Account Number for ACH Transfers ( the " Bank Account " ) XXXX. 
I contacted Rise Credit and they email me on XXXX XXXX stating they need a copy of my complaint from Federal Trade Commission ID theft Report and copy of my Driver 's license within 30days. 

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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX  Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Payday loan, title loan, or personal loan

I have asked Exchange Finance to Validate the alleged debt they keep calling stating that I owe and Im not getting any response from them.
Product: Credit card

I applied for Citi AA Advantage card through the link in their promotion solicitation email and got declined. XXXX XXXX XXXX XXXX. The decline reasons are not used credit amount and recent open accounts. I fine with the decision if I decide to apply for the card and go to their website solely by myself. However, I made the application because of continuous promotion solicitation I received. I have top tier credit and can be approved for any credit card if credit is the only consideration factor. While Citi AA Advantage keeps sending me the application solicitation emails throughout the year, which gives me a message that, I passed their screening criteria all the time and will be approved for the card. Such emails are misleading, and such message led me to apply for the card. Besides, Citi collected my XXXX  in the application. While I am a XXXX XXXX XXXX XXXX XXXX, I am afraid that information could also impact the application.
Product: Student loan

I have tried to make payments on my student loans through my loan servicer, Aidvantage. The first attempt occurred on XX/XX/2023 for the full amount of my loan, which was {$50000.00}. The payment was reversed, and I thought it was due to making such a large payment with a newly attached account through XXXX. The second attempt occurred on XX/XX/2023 in the amount of {$5000.00}. I received an email confirmation that my payment was received and posted. When I checked my account today, I found that the payment was reversed, again, without any email notification, and my account shows that I missed a payment. However, there was a document in my inbox in my Aidvantage account that stated that the payment was denied because of an incorrect account number. However, my account number that I linked to make payments is correct. I have tried to call Aidvantage multiple times but am unable to speak with a representative after waiting on the phone for hours.
Product: Debt collection

I noticed medical debt with commonwealth and I sent in Hippa validation letter. They never responded on the claimed medical debt. I am unaware of any current outstanding medical debt and I have never signed anything allowing Commonwealth to have possession of any medical data concerning me.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Debt collection

On XX/XX/2023 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Bank account or service

Capital One Credit Card has a line on their statements reading ***important tip*** pay at least the Interest Saver Payment by due date to avoid interest on new purchases, but the amount is lower than actual new purchases. The difference is added to the amount owed, or reduces principle already paid down. The end result, statements intentionally prevent you from paying down balances if you follow the directions on the statement
Product: Credit reporting or other personal consumer reports

Tis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and the false information consists of a personal credit account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> amount {$1100.00} and auto loan account opened at XXXX XXXX XXXX on XX/XX/year> amount {$16000.00}. I do not recognize the aforementioned accounts and charge offs as reported. The aforementioned accounts and charge offs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I will file a dispute with the relevant credit bureau immediately. I will systematically gather and submit all necessary supporting documents to substantiate my claim. This issue is severely affecting my finances and emotional well-being, which is completely unacceptable. It is imperative that they resolve these discrepancies promptly so I can regain control over my credit.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXXcount Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : TRUIST Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these 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 & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} 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
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX Bankruptcy : Discharged XXXX XXXX Bankruptcy : Discharged XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have called them and emailed them several times regarding my account that my Bank account was compromised due to Fraud/ID theft and that I wasnt able to make my payments. 

Then on XX/XX/year> I had a minor XXXX XXXX ( Stress related ), I was in the hospital 6 days, Im home now and doing somewhat better. Right now I have experiencing Severe Financial hardship and Can not make any payments at this time After all I kept them up to date of my situation, the continually call and Harass me for payment. 

I dont need this added stress right now, I want to start making payments again of what i can afford to pay which is XXXX, when I can. I dont have a time frame on this, I will make my payments of XXXX when my situation improves
Product: Mortgage

XXXX of XXXX  I sent my mortgage company new rez /shell point an endorsed check from my insurance company for damages caused by a storm. I told them to just apply to my loan first my past due amount then the remaining to the balance. I got the work completed and had my final inspection the first week of XXXX and everything past and was done the standard inspector. The mortgage company hired said they would inform them and they could release the funds which is never happened. I informed them to they release the funds. I wasnt making another payment. Its going on nine months and they havent released it. Ive had the VA involved. They wont give anybody an answer and now theyre trying to foreclose on my property And when I started looking at reviews online, theres XXXX negative reviews for this company for almost identical situations I have reached out XXXX I have spent countless hours on the phone with them and they just pass you around till your phone call gets disconnected or someone hangs up on you or they just tell you theyre not gon na help you
Product: Mortgage

Received letter dated XXXX/XXXX/XXXX stating that my 15 yr HELOC loan I will have to be paid off on or before and will not be renewed in XXXX. I was lead to believe at time of signing that they could renew loan after initial 15 yrs. This was also reiterated by XXXX XXXX XXXX XXXX, Senior VP XXXX XXXX XXXX New York Community Bank, a couple of yrs ago. I emailed and called her when I received inclosed letter and she said I should start looking for another solution now. Never offered any other loan or help from NYCB. They bought out and closed down my bank branch in XXXX but serviced the loans. Please see section XXXX of agreement I signed in XXXX. I believe servicing the loan also means according to agreement.
Product: Credit reporting or other personal consumer reports

Bank, credit title loan send them stuff to other people credit monitoring selling debt to other companies call Na I said dont call third-party companies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to Equifax ; XXXX  and XXXX a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00}, XXXX XXXX XXXXXXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am an account holder on a Capital One checking account with my mother and my father, both who are now deceased. My mother passed away recently, on XX/XX/XXXX. 

CapitalOne is not allowing me any access to the funds, they will not advise me when I will have access, and will not inform me when I will have access. 

This is unacceptable. I am a full account owner, and should have access to this account. 

I was on the phone for an hour and 28 minutes today trying to figure out why I could not see the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and all three major credit bureaus have placed the alerts and freezes. However unknown to me is that other people have accounts in my name with the credit bureaus. Credit Karma also has an account with another person on it. I did call and got things fixed with XXXX but the thief has over taken my account again. All I can do is cry, these people steal every email I make, they stole my main email account that I have had for over 15 yrs now, it had all my accounts in it. They have used most every account I have. I dont know what else to do, I did file police reports when it first happened and its someone local to me doing this. They have copies of my id birth certificate etc, because there were copies in my emails to certain people when I had my XXXX email account. That account is XXXX. Im not able to get ahold on any of my accounts with the three major credit bureaus. I have made an email account its XXXX, Im not sure how long it will last but as of now I think its secure. I was also in the XXXX data breach with XXXX and Im just now learning of it because the thiefs got my notification letter about it, not me. Im certain they have filed a claim, well I know they did I saw the email about it. And Im the one going through XXXX because of it. I dont even have a debit card Because my bank says Im high risk because so much money has been stolen from my account. I cant even have online banking. Its a lot that I am going through, no one wants to listen to me this was my last resort. My phone number is XXXX. Please help me, please XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 
THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.