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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 is by unruled, unfair, and by no means to be tolerated.
Product: Credit reporting or other personal consumer reports

The CFPB stated that XXXX  consumer reports can operate as a gatekeeper to significant life and economic decisions. JPMCB is furnishing inaccurate information to consumer reporting agencies. These are unauthorized parties. This practice is biased, unfair and definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family. 
JPMCB is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern JPMCP and can assist me under the Consumer Credit Protection Act ( CCPA ).

The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

In this case, I am the consumer and JPMCB is the person making reports to consumer reporting agencies. According to the CCPA and FCRA, JPMCB is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
JPMCB failed to notify me of negative information being added to my consumer report at any time. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. JPMCB has furnished my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from JPMCB.

I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires JPMCB to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had JPMCB provided these mandated disclosures, I would have opted out immediately.
Product: Credit card

- account opened capital one credit card without consent 
- affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

Greensky was recommended by XXXX XXXX XXXX XXXX XXXXXXXX XXXX to give us financing options for the roof that was required on the property in question. 

A loan was applied for and approved for {$18000.00}. 

XXXX XXXX XXXX was hired and quoted {$13000.00} for the job. 

XXXX XXXX XXXX told us that there was additional work that was needed - taking them from the least expensive to the most expensive vendor for the roof. Total was {$21000.00}. 

XXXX XXXX XXXX recommended all kinds of additional work to me. I asked for a document ( pictures or a written doc ) for all this extra work on top of the extra work that had already been done, it was not provided. Clean up work that should have been done at the job site was not completed to my satisfaction was not done and I asked on many occasions for that to be remedied and it also was not done. There were signs left for advertising that were committed to be removed- they never were and they blew around the yard eventually hitting parked cars in the driveway. 

XXXX XXXX XXXX completed the job in XXXX day and then requested the payment from GreenSky. GreenSky paid them {$18000.00}, I never approved the transaction and have informed them and escalated the issue. Neither GreenSky or XXXX XXXX offered any kind of help in resolving this issue. All parties continued to state that the loan was approved to be paid- and it was not. 

Even after escalating and spending weeks on calls and emails - to no avail. GreenSky continues to purport fraud, this transaction was not approved. The work at the house was never fully completed to my satisfaction and neither party wants to help resolve the issue. 

Step in and take action to resolve, please.
Product: Checking or savings account

On XX/XX/XXXX I had zelle the money to a wrong number by using chase bank app. 
Wrong number XXXX Wrong person XXXX XXXX. 
Never XXXX to this person before XXXX XXXX XXXX number XXXX XXXX person -- XXXX XXXX. 

Complain refrence number with chase XXXX. 
Nobody call several days from bank And today when I call they denied the claim.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company I C SYSTEM, XXXX, and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

i ran checked all my credit reports for the first time and noticed i have been a victim of identity theft. these inquiries do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I got a PayPal card prepaid and in hopes of getting a personal debit card and loaded. Y money on it just to find out I couldn't or they wouldn't allow me to use the card. They said I had to many account and I didn't know what they were talking about. They close and account and card with my money still in the account and won't refund it to me. It was about XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting or other personal consumer reports

Hello. I was looking to my experian credit report and there were fraudulent inquiries. 
Tried to fix it with experian but no help. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX inquired on XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, XXXX XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies. 
Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all 3 of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Detainer warrant was filed XX/XX/XXXX. XXXX was settled and dismissed and balance was paid to XXXX. In XXXX company is labeling the unlawful detainer warrant as an eviction and not specifying that an eviction never took place. XXXX was dismissed and company is refusing to specify this.
Product: Credit reporting or other personal consumer reports

The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hello, this is regarding a withdrawal on my California EDD credit card that I did not commit. Bank of America is refusing the credit back the money citing that the withdrawal is over 90 days old and that I did not file a police report. Their system shows this was a teller cash withdrawal with reference number XXXX. 

I only discovered this unauthorized withdrawal on XX/XX/XXXX when I received a new EDD card from Bank of America. I always have the existing EDD card with me all the time in my home and used it only once. This unauthorized withdrawal occurred on XX/XX/XXXX for {$9200.00}. 

I have spoke to Bank of America 3 times. On XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. The claim number is XXXX.
Product: Mortgage

BB & T improperly denied our repeated request for modification never providing any tangible evidence or explanation as to why. They then took advantage of us with servicing shortcuts and unauthorized fees. They failed to promptly and accurately apply payments made, and charged unauthorized fees for default-related services resulting in a huge amount of accumulated fees, penalties, and interest. They deceived us about foreclosure alternatives. They failed to provide accurate information about loan modification and other loss-mitigation services, they also failed to properly process our applications and calculate our eligibility for loan modifications on XXXX separate occasions. They provided false or misleading reasons for denying loan modifications. They threatened and engaged in illegal foreclosure practices. They provided false or misleading information to us about the status of foreclosure proceedings where we were in good faith actively pursuing a loss mitigation alternative also offered by them. 
I believe they have realized their mistakes because just recently after refusing to grant our requested modification for the third time, they somehow added my name to the mortgage and approved it for modification. They had previously turned it down even though our circumstances with income and debts were the same or even better. When I asked why they approved it this time after the previous denials they told me that maybe the guidelines had changed. They could and would not send me anything in writing explaining why it had been previously denied but was now approved. Can they just add my name to the mortgage? If so, why did n't they do this on our prior attempts at modification? The process took over 6 months each time we applied for modification and has caused an accumulation of over XXXX in late fees and penalties. We are currently in a chapter XXXX bankruptcy and we are waiting on the court to approve the modification inside the BK. During the previous attempts at modification they would never provide any concrete explanation of why we were being denied. The modification is still higher than our initial payment was by approximately XXXX to cover all the accumulated interest, fees, and penalties. They should n't be able to get away we should be made whole even to the point of having the mortgage forgiven and receiving a sum over and above for damages.
Product: Credit card

I was giving an apple credit card that just popped up on my XXXX. I didnt apply for it and do not want it. Tonight I started to see fraudulent charges on my account. I tried to cancel this account which by no has been compromised. They will not let me cancel the account. Ive asked over 20 times on chat and they wont even acknowledge that Im asking to cancel this card. I need help. I dont want this card and didnt apply for it.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had opened a saving acct on XX/XX/19 td bank @ XXXX XXXX XXXX XXXX branch. I specified to the banker who opened my acct please do not send me any atm card. Until I check my mobile banking I saw two unauthorized atm withdrawal, I contacted the bank directly and dispute a fraud claim. Few days later they denial my claim due to atm withdrawal was in my geography area. Spoke with the claim dept and they suggested to file a police report. Then refiled a new claim with police report number, few days later they denial my claim again due to no fraud occurred because the PIN number was entered correctly. I purposed ask the claim dept to speak to fraud dept to pull up the camera and they said they dont have fraud dept that I can speak to. Went to the bank few times and spoke with the bank employee regarding this matter and they couldnt help. Im very frustrated about this fraud occurred and bank couldnt take another action to investigate. I have been banking with this td for the past 8 years and never had any issue with them until last month I opened a new saving acct with them and suddenly found out the banker who opened my acct requested to send an atm card which I never asked for it. Then I filed a complaint with usps about mail stolen or loss.