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

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH XXXX ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) ( XXXX ).
Product: Checking or savings account

1. Applied for CS on XX/XX/XXXX. Got approved on XX/XX/XXXX. Debit card and paper checks got mailed out within 7-10 days later.

2. On XX/XX/XXXX, briefly after the account was opened, CS shut down without proper communication. I've been calling CS every single day or two to follow up since no one has contacted me regarding this matter/concern.

3. After days without answer, CS closed my account completely due to the " complicated matter of verifying my identity ''? Which also made no sense because CS never reached out to me while my IDs are always available to upload.

4. After endless calls and conversaions without much help, I am having no hope that CS ( from any department ) would be willing to deal with my account and do the right by me.

Data point : 1. Account has XXXX balance, 0 debit/credit transaction beside - A XXXX XXXX account verification - External account links to 3 other banks 2. Checks/Debit card both got ordered and sent out, apparently my account was fine until they started to mess with me and decided to drop the ball not to follow up. I've had enough phone calls to them to speak with multiple people to confirm who I am and my account opening.

CFPB would be the only place to file this complaint and force CS to follow up and do the right thing for customer.
Product: Checking or savings account

I contacted XXXX XXXX about a account ending in XXXX and XXXX and they told me verbally that I dont owe them anything and I never did business with this company and early warning has put the account back on my report and I want the negative status to be removed off my report. I have a FTC report if they want me to send it by mail I wouldnt mind. XXXX and unknown account number XXXX I want to dispute and removed off my report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to you to formally expressy concerns in regard to Zelle 's recent CFPB and the handling of disputes. I have had incidents where I've had use zelle under chase and sometimes bits of my funds go missing. It has resulted to the point that I do not use zelle anymore and it is disappointing because it was the easiest way to sent and receive money. I had tried handling with the bank but nothing was ever resolved. The CFPB indicated that Zelle not only neglected to protect its consumers but allowed for multiple of incidents to happen, leaving me and consumers vulnerable from the scams. I would love to know what will be the next steps to fix this. Thank you.
Product: Credit reporting or other personal consumer reports

I sent certified letters requesting information because I havent applied for anything.
Product: Credit card

I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI XX/XX/2020 {$2000.00} My credit repair company has disputed this account but this is not me nor my debt. My credit repair Company is the credit people.
Product: Credit card

I contact discovery Bank about some charges on my credit  card, and I put them in dispute, I never received any letters about my dispute, and I never did receive all the letters when the dispute was resolved. I got a bill dated XX/XX/XXXX through XX/XX/XXXX and they did a temporary credit on my account for XXXX XXXXXX/XX/XXXX through XX/XX/XXXX they did a temporary credit for {XXXX  on XX/XX/XXXX the dispute went in my favor for XXXX so when I get my bill dated XX/XX/XXXX to XX/XX/XXXX they put transactions on my bill they put XX/XX/XXXX. They did a reverse temporary credit for XXXX but that dispute was cleared on XXXX second so now on my new bill they put it like its a charge charge on my bill for XXXX. I had got a letter from them telling me they was going to repost the XXXX back on my bill so when I called them I explained them what happened so they told me they was gon na put the XXXX back in dispute. So I guess my bill like I said for XX/XX/XXXX to XX/XX/XXXX it says XX/XX/XXXX reverse temporary credit for XXXX  XX/XX/XXXX repost of dispute transaction for XXXX. Now on that bill, they put down for my charges amounts {XXXX once XXXX twice plus XXXX  which was cleared on XX/XX/XXXX and I do not see my credits on my statements for those amounts and I did not ask them to the XXXX back in dispute because it was already cleared on XX/XX/XXXX. I have a problem they are putting these transactions on my statement for me to add in to get the balance of my state statements, but I still dont see my credits, and I want my credits and these dispute should not have been all over the place and I should have received letters from them, which I never got. I should have received the letter when they get the dispute answers they dont send them, and when I put the dispute in, they never sent me a letter and said it was in dispute. They never sent me a letter saying it was a temporary credit, now I got all these charges added into my bill for the month of XX/XX/XXXX through XX/XX/XXXX XXXX XXXX another XXXX XXXXXXXX cents and whats so strange they put down XX/XX/XXXX for the {XXXX  on my XXXX bill and like I said it was cleared up in XX/XX/XXXX on my XX/XX/XXXX to XX/XX/XXXX. And when I pay my bill, I pay the full amount.
Product: Debt collection

On XX/XX/XXXX I received a voicemail from PRG regarding a civil matter and a claim in imminent default. Was unable to ascertain name of individual that left message. Phone number left was XXXX. 
I called number back and was told this was a debt from XX/XX/XXXX in the amount of ~ {$570.00}. I asked to receive some verification of the debt, and was told that PRG does not have this information. I was transferred to another representative, a XXXX XXXX the " Settlement director. '' XXXX seemed to be confused as to why I could possibly want the debt verified, and proceeded to verbally badger me about the " type of person '' I am, and that they do not have the information. 
I repeatedly asked to have some written verification of the debt, and was told flat out " no. '' I then told the representative that I did not want to be contacted anymore by them, and was told " no '' to this as well. 
I repeated that if they were not going to send me any kind of verification of the debt, that I did not want to be contacted by them again. I was told no, they will keep calling until they get their money. 
Very rude and seems super illegal. Isn't this what the fair debt collection act was supposed to help with? Just a simple XXXX search of " PRG Collection '' shows multiple complaints. Can something be done about these rude con artists?
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 U.S.C 1681.

Account Name : XXXX XXXX Account Number : 7201 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company. 
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles
Product: Money transfer, virtual currency, or money service

I was scammed out of sending a wire transfer at my local XXXX branch on XX/XX/2022. This was for the amount of {$2800.00}. I don't recall if there was another transfer, as this was over a year ago. Now XXXX won't bank with me as a customer. After this took place, fraudulent checks appeared in my account and caused my accounts to close. In the process of closure, they received my payroll check and I STILL have not been able to receive it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
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 XXXX 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglect 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 consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations Act.

These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights . 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

XXXXwo fraudulent purchases were made on my Regions Bank checking account on the same day. Those charges were for {$97.00} and {$96.00}. I received a text message asking to approve one of the charges, I text no, and got a response back saying that your car will be canceled and reported as fraud. I then immediately called the bank to dispute the charges and they inform me that I had to wait for the charges to post. About Three days later both charges posted and I proceeded with submitting a claim. I recently received a letter saying that they are closing it and not reimbursing money due to, " our review found that the transaction appears to have been authorized ''. I called the bank back and they said that it is now responsible for me to do the rest of the research and then send them the information so that they can reopen the case. This is pretty much saying that they no longer will do a review unless i give them more information. I have no more information other than what I gave them. They said due to it being a contactless pay that it had to be approved and I somehow approved it through some type of phishing. I also want to note that these charges happened out of my home state. I live in XXXX  and they say the charges were made in South Carolina. I asked them to reconfirm the location and they say that it's offline so they can't tell now.
Product: Student loan

Growing up in the United States I thought to be able to work and be able to afford not using my grandma for financial support was to become college educated so I can get a job that could afford basic rent outside and bills. I struggled and worked making XXXX dollars more than minimum wage yet still not enough to pay for my education due to the extremely high cost for in state tuition to graduate. I did my best and ultimately got my XXXX degree. I then after finishing I had more than XXXX in student loans. As a XXXX there is no interest free option of my loans and I honestly was not enough financial literate to understand what I was getting into. Either way I come to learn there is no options available for Muslims to be able to get interest free loans after I became a citizen later and then trying to understand all the financial aspects of what principal and interest means. I understand why our constitution believes the idea of " we the people '' make up the government yet then there is interest on we the people and learned in school we have XXXX branches of government for checks and balances to prevent a monarchy where can be corrupt and no longer serve its own people so we are better than that. Why is there no interest free options and why should there be capitalization and interest on XXXX citizens to the government that is made of its own citizens. Who is profiting from this usury? Is its own citizens or a company? As these are federal student loans to its own citizens where not all believe in usury ( XXXX in XXXX ) for the very reasons many are having hardship being able to get passed them today. Why does our tax dollars believes in public libraries and high schools but afterwards it's a cutoff. Where college is for contributing to society but high school and public education is tax funded but college isn't. Where XXXX XXXX believed we need to be educated to contribute well to our country and put it into our foundation of our laws. Where today the government isn't making it free to be educated after high school and many are not getting their education to be able to contribute to society contrary to the original intent of why that idea was put in. So we as a society can be educated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Firstmark Services to request a retraction of credit reporting for a loan payment I made past the due date because I moved due to an emergency and was unable to provide my updated phone number and address in advance. I have also tried to notify Firstmark that I was escaping a XXXX XXXXXXXX situation and the co-signer on my account was unfortunately XXXX XXXX Firstmark refused to allow me to change the co-signer and instead penalized me for being notifying them that I had enrolled in school in advance. I requested a retroactive in school deferment and a retraction of the negative credit reporting, which dropped my credit by over XXXX points. They have refused to provide the retraction and they have refused to allow me to change the co-signer. I am requesting a retraction since I have provided them with my enrollment verification form, which dates back to XXXX of 2022. I would really appreciate this retraction since I have consistently paid Firstmark for at least the past two years. If not, I will have my loan refinanced and assigned to a different lender. 

Best, XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I received a call from a Citibank representative asking me if I had made some cash withdrawals on my Citi XXXX  card at a XXXX in XXXX Hi. I answered " No ''. She recommended canceling the card and reissued me a new one. When I asked about the fraudulent charges she said that they would be transferred to the new card and after an investigation if it was found that the charges were fraudulent, the withdrawals and any accumulated interest charges would be removed. I was told the investigation could take up to 90 days and that the investigator would get in touch. A month or so later I received a letter from Citibank saying that the investigation was finished and that there was no fraud found because it was determined that my card chip had been present when the withdrawals were made at the XXXX in question and because I had not lost or lent the card to anybody, it was my responsibility. On XX/XX/XXXX I sent a letter disputing their determination and included my banks debit card records showing I was in XXXX at the time of the withdrawals. It has been 6 weeks now since they received the information and as of today I am still being held responsible for the fraudulent activity.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I successfully used my XXXXXXXX XXXX XXXX credit card at XXXX XXXX XXXX for a small purchase of {$8.00} at XXXXXXXX XXXX At XXXXXXXX XXXX my XXXX XXXX XXXX XXXX was refused when I attempted another small purchase of {$19.00} at Walmart . Upon arrival at home I contacted the issuer, XXXX XXXX, at XXXX and was told we were part of a large group that were being issued new cards and that the current cards were therefore deactivated. Our current, jointly held XXXXXXXX XXXX XXXXXXXX credit cards exhibit " valid thru '' dates of XX/XX/XXXX. I was told that Synchrony had sent us an explanatory letter but we have received no such letter. They do have our correct address, a XXXX. XXXX, on record. We also just paid a bill to them and received no such notice on our bill. In this case, this matter is a mere inconvenience. However, we have other cards upon which we rely to pay monthly expenses such as utilities, and car payments. Had a card bounced in such a case our credit rating would be affected. We informed the poor Synchony rep that this was a very unacceptable way to run their operation and their poor practice could have negatively impacted us.
Product: Debt collection

I dont owe this company anything they are fraudulently putting this on my credit as being open
Product: Credit card or prepaid card

Hello.Im contacting you in regards to my Direct Express Company.Im XXXX  on Supplemental Security Income and i get my check deposited every month with this bank On XX/XX/2023 i contact Direct Express customer service in regards to my card being lock they said that the wrong pin was entered a few times so they locked the card, they could not help me because i changed cell number and could remember my old number because the new cell did not match the records on file, so on XX/XX/2023 i send Direct Express proof of identity my ID and birth certificate, again they refuse to help me, they said to call the SSA and maybe they could help and this was the third time calling my local SSA office but SSA told me i have to deal with Direct Express directly, i will be going on 3 months now not being able to pay my bills and dealing with late fees.Please contact me in regards to this serious matter, Thank You.
Product: Checking or savings account

I opened an account with XXXX XXXX  on XX/XX/XXXX with a deposit of {$XXXX}. I have never received a digital nor hard copy statement since I opened the account. The account was dormant. When I tried to sign into my account on XX/XX/XXXX the account was closed. I called the main number at Regions and she said I have to contact the branch XXXX. I stopped in to see XXXX XXXX ( XXXX XXXX XXXX, GA branch ) on XX/XX/XXXX. He went in archives and printed the statement from XXXX XXXX. 
In XXXX of XXXX my account XXXX was hacked and the address was changed to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. A new debit card was ordered sometime in XXXX. On XXXX XXXX ATM withdrawals of {$XXXX} and {$XXXX} was made. On the same day, XXXX XXXX PIN purchase of {$XXXX} was made. On XXXX XXXX PIN purchase of {$XXXX was made.