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

I am writing to formally 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 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 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be deleted. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts and inquires. 



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

Lexis Nexis and/or XXXX XXXX reported information to credit bureaus when there is an active security freeze on my account with them.
Product: Credit reporting

I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than XXXX time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX XXXX XXXX - ****************XXXX - XXXX OF XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

I was contacted by  XXXX   XXXX   (   XXXX   ) a t  XXXX . Originally he did not say where he was calling from, only that he was working wi th the District Attorney in my county and was  filing the next day to garnish 30 % of my wages and levy my bank accounts for a debt owed to  XXXX   XXXX  in the amount of {$790.00}. He said they will freeze any bank account with my name on it and take all the funds. I imagine interest is included as my credit limit was only {$500.00} and I was no where near that when I ran into financial trouble. Ultimately I would owe over {$3000.00} once attorney and court fees were applied. He told me that I needed to make a good-faith payment that day to keep him from filing in court.  <P/> I came to know this was a collection agency after I contacted  XXXX   XXXX . They told me the debt was now held b y Southwest Investor Group a t  XXXX . I called and asked for my balance and how to make some sort of payment arrangement. The young lady that answered informed me that it was with  XXXX  and transferred me.  XXXX   XXXX  answered the phone sounding angry that I called in on the  XXXX  number. I asked him to send me debt information through the mail as I had not received anything about this outside of a phone call in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN  ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

These inquiries below are fraudulent and does not belong to me I did not authorize anyone to pull my credit for any credit application. XXXX has failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681b. Promptly remove all inquiries from my credit report immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA, 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. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. I have never received notice or disclosure to opt out per 15 USC 6802.
Product: Credit card or prepaid card

My credit card company, Bank of America, has charged me for {$1400.00} for XXXX separate charges made against the card for food deliveries from XXXX and XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX of this year. I reported the fraudulent charges to Bank of America on XX/XX/XXXX, and Bank of America denied my claim by letter dated XX/XX/XXXX. I called the bank 's fraud claims department last week, and they confirmed both the date of my report and their denial of my claim. 

The Bank 's stated reason for denying my claim is that the claim was not made in a timely way, because prior to XX/XX/XXXX ( 1 ) statements covering these fraudulent charges were mailed to my home address, and ( 2 ) payments were made on this credit card account. It is true that payments have been timely made on this account. It is not the case that statements were mailed to my above address, though I do have access to online statements.

After speaking to the Bank, I called your office. Your representative confirmed the general rule that I have up to 60 days after you send a statement to bring a timely complaint concerning unauthorized transactions. She also informed me that a complaint brought after the 60-day window is still timely, unless the Bank can show that the fraudulent transactions would not have occurred if Id made my claim within the 60 day window. I asked specifically if there is an exception to this rule if I have received a statement detailing the fraudulent charges or pay the amount due on the statement before filing a claim with you. Your representative assured me, there is no such exception.

Most of the fraudulent charges referenced above were contained on a statement that was first made available to me within the 60-day period ending on XX/XX/XXXX. The Bank has provided me with no indication that it might have avoided any of these charges if Id informed them within 60 days of the date of the first statement containing these charges. Indeed, I would have had to inform the Bank of this fraud prior to XX/XX/XXXX, the last date of these charges, for it to have cancelled my credit card or have taken any other action to avoid these charges. 

I have provided the Bank with proof that neither XXXX or XXXX XXXX  will deliver to our address.
Product: Checking or savings account

I made a purchase through XXXX from my bank account with bank of America from XXXX XXXX costing XXXX dollars and change. After the purchase I received my items eight days later, I opened the package and saw that they gave me the wrong products. I've contacted XXXX XXXX multiple times, via phone and email. Now they don't even respond because I told them to send me a shipping label. I'm not going to pay for this because it wasn't my mistake. I called last night XX/XX/20 bank of America dispute center, they told me because its an ACH payment i can't dispute it. Its my money no matter how I paid for it, I should be able to dispute. Bank of America won't let me dispute it.
Product: Checking or savings account

I have contacted Citi Bank numerous times regarding an issue with my second check deposit being held for 5 days which was deposited on XX/XX/year> in the amount of {$2000.00}, with the reason given that it is company policy due to my new account. Interestingly, my first check deposit made on XX/XX/year> in the amount of XXXX was made available the following day XX/XX/year>. Despite requesting for expedited processing of my check, I was informed that there was no action that could be taken. Additionally, when I requested to have this policy read or email to me in written form, I was directed to XXXX search the policy because the representative said that it could not be located in writing.
Product: Debt collection

Could not let me speak, asked several times for the amount and told I need to pay right away if not XXXX be sued
Product: Checking or savings account

I opened a Business Checking account with Bank of America in XX/XX/2020. 5 days later, my account was closed without explanation. There is no one available to speak to at the branch regarding this matter, I have been given a toll free number for the fraud department for BofA that when called is a non-working number, I have no recourse to dispute the action and my business and personal identification numbers have been labeled " fraud '' and I have been shunned by other institutions and forwarded to XXXX XXXX XXXX The bank is saying they got the " fraud '' designator from XXXX XXXX says the information they report comes directly from the financial institution which has caused myself and my business undue harm. 

I owe no sum of money to Bank of America, yet BofA is reporting to XXXX XXXX XXXX that my account is " Unpaid '' with a {$0.00} balance and the Contribution Reason : Checking Account Fraud which is COMPLETELY inaccurate. I have attached the report I obtained from EWS. After disputing the information with XXXX, their " findings '' stated that they VERIFIED the information with BofA as accurate, which is completely not true. My account was only open for 5 days.
Product: Mortgage

Hello, Since XXXX, I owned a commercial building and also operate a hair salon and function hall. I have a mortgage with XXXX XXXXXXXX, XXXX for {$650000.00}. The loan document required me to pay interest only monthly payments of {$6100.00} and to pay the {$650000.00} in full by XXXX, XXXX. I have been making the interest only payments of {$6100.00} and I did not pay XXXX and XXXX, XXXX payments. 

On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX XXXX, XXXX, in behalf of XXXX XXXX XXXX XXXX, XXXX XXXX, that I was in default and that in 35 days they will foreclose on my property atXXXX XXXX XXXX XXXX, XXXX, MA. XXXX. 

In XX/XX/XXXX, the Governor XXXX XXXX closed all businesses due to the COVID-19. 
In XXXX, XXXX, the Governor reopened hair salons. And on XX/XX/XXXX, the Governor reopened Bars. As a result, I have lost 90 % of my revenue and I was not financially able to pay the Loan in full. However, I was able to make all the interest only payment up until XXXX, XXXX. 
I would like to keep my property and be able to operate my businesses. Is there any help for mom and pops property owners and businesses? 

Sincerely, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Product: Credit card or prepaid card

I have this GAP Credit Card issued by Synchrony Bank. They closed my credit account because they said I am not using this credit card, I do not owe any money to this credit card, I did not have a reason to use it if I am not shopping in Gap. After they closed my account, they put the report on my credit report and the impact is that I lost over 50 points on my credit report.
Product: Debt collection

XXXX XXXX is trying to recover XXXX for Ally. I was a part of class action lawsuit against Ally. As part of Ally settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by Ally no further attempt would be made to pursue. I have tried to contact Ally and XXXX  is aware yet continue to call and threaten me
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank revolving account on my credit file ( XXXX ) shows as negative for the mo and year of XX/XX/20 and under bankruptcy petition. Bankruptcy XXXX ( XXXX district of MO ) discharged XX/XX/20. Numerous disputes, nothing changes. After automatic stay this lender also has sent me collection statements more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XX/XX/XXXX, and a seven year freeze was placed on my credit report at all three bureaus. When I needed to temporarily lift the freeze for a mortgage to be processed, I sent Experian the required identification documents on two occasions with a request to supply a retrieval pin so that I could designate when and to whom my credit file is opened to. Attached are the responses that I received, and this has been going on since mid-XX/XX/XXXX. I have already lost a real estate property due to their inefficient handling of my request. 

XX/XX/XXXX : I requested a retrieval pin to lift my security freeze ; They sent a letter that THEY TEMPORARILY REMOVED the security freeze in Mid-XX/XX/XXXX ; XX/XX/XXXX, I again requested a retrieval pin # : XX/XX/XXXX, I received a letter stating Experian PERMANENTLY REMOVED THE SECURITY FREEZE! 

This process is so easy with both XXXX and XXXX  -- I can call, identify myself, and they open the file for the designated period and purpose. Now, I am afraid that they, based on the Experian debacle, will lift the security freeze and leave me vulnerable to another identity theft episode that was absolute XXXX to maneuver through before.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made. 

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$31000.00}, XXXX XXXX XXXX  Balance : {$5300.00}, XXXX XXXX XXXX  Balance : {$6000.00}, XXXX XXXX XXXX  Balance : {$1700.00}
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.

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 XXXXeven 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: Debt collection

This company is calling my work. I notified the original caller that I am not sure about if this debit is mine as I was going through a divorce at the time of the debt in question. I asked them to mail me information. I have not received information and I continue to get phone calls. I can not continue to receive call during my work hours.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Square , Inc. ) due to their ongoing failure to protect my funds from unauthorized transactions, despite multiple support requests and disputes. 

For the past 6 months, I have experienced daily unauthorized charges from XXXX XXXX and other blocked merchants on my Cash App account. However, these charges should not be occurring because : XXXX. The merchants have been blocked in my Cash App settings for over two months. 
XXXX. My Cash App card has been locked, yet transactions are still being processed. 
XXXX. I have no active subscriptions or purchases with XXXX XXXX, and they have confirmed there are no charges on their end. 
XXXX. Cash App has repeatedly denied my disputes and refuses to refund my stolen funds. 

Despite following all Cash App recommendationsblocking the merchants, locking my card, and disputing transactionsthey continue to allow unauthorized charges, failing to properly secure my funds. Their customer support has been completely unhelpful, sending me the same generic responses each time I report the issue. 

At this point, I have suffered significant financial losses due to Cash Apps lack of security and failure to enforce merchant blocks or card locks. I am requesting : A full refund for all unauthorized charges from blocked merchants. 
An investigation into Cash Apps failure to properly secure user funds.

Immediate action to prevent further unauthorized charges on my account.

If this issue is not resolved immediately, I will escalate further, including taking legal action if necessary.

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX