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

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am currently in XXXX and I tried to pay my mother 's bill in XXXX using my US-based Revolut account on XX/XX/year>, which was flagged by the bank on XX/XX/year> when they requested more information on the payee, which I provided the same day. The payments usually go through within two business days, so I started worrying when I saw that this payment is still being processed on XX/XX/year>. When I contacted Revolut 's in-app Support, they told me that my money is being held between Revolut 's Escalations Team and their Payment Processor. And my money has been stuck there for more than two weeks now. I used the same type of transaction to pay other bills before and after the problematic transaction in question and they all went through without any complications. I asked Revolut numerous times to return my money back to my account ( or release it to the payee ) ; however, they told me that the transaction can not be canceled ( nor returned or released ) at this point and that they are waiting on the response from their Escalations Team, for at least a week now. When I asked why this transaction was flagged and held, nobody had an answer. I also filed a formal complaint with the bank itself ( Revolut Technologies Inc. ), and even though their response was prompt and detailed, nothing was resolved with my complaint.
Product: Checking or savings account

I am writing to file a complaint against SoFi regarding an excessive and undisclosed fee that was charged to my Roth IRA account. Below are the details of my complaint : 1. Fee Charged : I had a balance of {$20.00} in my Roth IRA account with SoFi. Upon attempting to withdraw this amount due to job loss, I was charged a {$20.00} fee, effectively XXXX  out my account ( I got XXXX cents ) 2. Lack of Clear Disclosure : I have thoroughly searched SoFis website and app but could not find any fee schedule or clear disclosure of this fee. Despite my efforts, the specific fee was not made evident to me at any point during the account opening process or while using the account. 
3. Unreasonable Explanation from Customer Service : When I contacted customer service, the response I received was that because SoFi generally charges no fees, they need to charge fees somewhere, which was cited as justification for the {$20.00} fee. This explanation is both inadequate and nonsensical. It does not justify the fee nor does it explain why the fee was not disclosed transparently. 
4. Excessive Fee : The {$20.00} fee is excessive, particularly given that it represents the entire balance of my account. I had no prior knowledge of this fee, and its imposition under these circumstances is unreasonable and unjustified. 

Given these points, I am requesting the return of my {$20.00}. I believe that SoFi has not adhered to clear and fair disclosure practices, and this fee should be refunded. Obviously if I had known that I would get XXXX cents total after depositing {$20.00} dollars I wouldnt even have done that. Why would I give them my money????
Product: Checking or savings account

I had a checking account with Wells Fargo and they continuously let my account go negative so they can charge me numerous fees. I called because I wanted my account to be set up where it doesnt allow my account to go negative or overdraft and the representative stated there was no way to stop charged coming through account. They wouldnt help refund fees and I couldnt pay the full amount so they closed my account. This was back in the year 2021 when I had my checking account and it was closed due to the overdraft fees.
Product: Prepaid card

I have a {$70.00} gift card from Amex. The card didn't work with any purchase. I tried multiple times to use it including different vendors. It just kept declining. I called the Amex call center XX/XX/XXXX and they offered to replace the card. I said no, send me a check since I don't want this issue to continue. they advised I needed to wait for credit holds to release.

I called back on XX/XX/XXXX and they said they were sending a check. The next 3 times I called in they said they are working on mailing a check and call back in 2 days for status. Now they say the issue has been " strongly escalated '' on XX/XX/XXXX and I should receive a check by XX/XX/XXXX. I don't believe them after 6 calls and hours working on this.. I've also asked the XXXX call center for mailing address for Amex to escalate. They provided their outsourced email XXXX XXXX. They refused to provide any escalation to Amex directly.

Amex should be ashamed about this poor customer experience with their brand.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 

Account Name : XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX 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.
Product: Mortgage

XXXX XXXX XXXX from Wyndham capital mortgage called me on XX/XX/19 or XXXX about lowering my mortgage rate. He asked a lot of questions which I answered then 15 min later he asked for mine and my wife 's ssn. I said I didn't feel safe giving them over the phone so he said he'd send me some paper to look at and if I wanted I could fill them out and send them in to him. I received the papers via FedEx and somehow my ssn is on them. I don't know how he got it but he did and now I don't know if he ran my credit or stole my identification. I thinking about getting a lawyer involved if some one don't give me answers.
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported. 
I am a victim of identity theft, and I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and XXXX. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
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. 


Account 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 XXXXXXXX Account Name : XXXX # XXXX 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.
Product: Debt collection

I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention a serious violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following inquiries listed have improperly disclosed my personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach of confidentiality has caused me significant distress and has compromised my privacy. I demand that immediate action be taken to rectify this situation and ensure that my personal information is handled in accordance with federal law. 
Please provide confirmation of the steps taken to address this violation and prevent any further unauthorized disclosures of my personal information. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stating I don't have a credit file even after I have proven to them who I am several times. This is keeping me from moving forward in my business and personal affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX XXXX XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter in XXXX, 2021 and have not heard any correspondence within the proper timeframe and has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}
Product: Mortgage

My mortgage was transferred to CMG at origination. I created an online profile with CMG on XX/XX/XXXX and tried to tie my new mortgage to it. But my mortgage does not show up in CMG 's system ( when I lookup by my SSN or my loan number ). 

I called CMG and got a voicemail. I got an email the next day advising that I could pay via the XXXX. I attempted this, but the XXXX could not find my loan. The XXXX exited me to a person who looked up my loan and told me I am not allowed to make a payment before XX/XX/XXXX ( the first due date ). I said that does not sound right or legal and asked again - can I make a payment toward principal now. They said they were routing me to a servicing mailbox and I left another voicemail.
Product: Debt collection

I am writing to dispute the accuracy and completeness of the information reported on my credit file. I have recently reviewed my credit report, and am disputing a collection account. 
The address of this XXXX collection account is, XXXX XXXX XXXX, XXXX, TX XXXX This XXXX account which is currently in collection status, contains erroneous and incomplete information. The amount reported on my credit report of XXXX is different from amount provided to me via contact email XXXX XXXX XXXX XXXX of XXXX. Which i believe is a violation according to the federal credit act. 
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation & correction of these inaccuracies. 
Also, regarding the XXXX collection account XXXX, l assert that the Information reported is inaccurate. I have not had any association with XXXX, nor been given or seen a contract. There seems to be a case of mistaken identity, as I have never applied for, used, or held this account.I have spoken to them numerous times & even been told by a supervisor the debt would b removed. But Im still being unreasonably contacted by their collection agency.

As per my rights under FCRA ,15 USC 1681b, ( a ), 15 USC 1681b ( a ) ( 2 ) I am entitled to an investigation & request a detail response from investigation within 30 days. I believe my case aligns with these precedents. 
I have enclosed an email copy of the collection agency for XXXX which shows a diff amount owed XXXX to XXXX on my credit file. 
Ive enclosed, a copy of my credit report including credit report number, & which u will also see the collection Agency for XXXX info.
Product: Checking or savings account

I suspect that Wells Fargo has charged me overdraft fees when I had sufficient balance for the purchases causing it. I do not have any specific incidents to list. I only remember this having happened several times over the past XXXX years. I have been a wells Fargo customer since 1996, in good standing.
Product: Credit card

I had a secured Capitol one cred card for a few years. I paid a $XXXX payment on this particular account the end of XXXX. Soon after the payment was made  I simply called and asked the customer service rep , if I closed my secured card account , would it hurt my credit. I at that time at XXXX other unsecured Capitol One cards and didn't feel I needed the secured card because my credit was descent now. I went online to make a payment on the secured card, it was still a $XXXX and some balance. The account was closed. I called the customer service line again , and the day i was asking questions about my account, this person CLOSED my account. I have repeatedly called capitol one and they say i have no money left on my secured account. When I look I have $XXXX available credit. They WILL not give this money back to me. I have statements saying I paid that $XXXX and the statements show that I should get that $XXXX back. Capitol one more or less says sorry about your luck. Now every single month they are charging me late fees and the account has been closed for months. They will not listen. The $XXXX on the account should have what is owed deducted and the balance sent to me.  I have all the paper work to prove what I am saying is accurate. They are crooks and NOW I closed every single account I have with them, including my auto .I will take this to court if i have to.
Product: Credit reporting or other personal consumer reports

I utilized Experian 's program " Experian Boost '' which allows you to add self-reported accounts to your credit report. On XX/XX/year>, I terminated my use of the program and requested all self-reported accounts be removed. All accounts were removed except one : XXXX XXXX ( XXXX ). Today, I called to ask it be removed since it has been more than 60 days since I asked the account be removed. I was told Experian does not " have the tools '' to remove the account and that I should wait another 30 days to see if it is removed in the " next update ''. This is unacceptable. I requested this removal over two months ago and the answer provided did not include reassurance the removal would in fact occur in the next 30 days.