23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.
Product: Money transfer, virtual currency, or money service

I want to formally address my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that highlighted serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was told that recovering the lost funds was impossible and that tracking the transactions wasnt feasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises significant concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''?

Who verified these accounts??????

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 


XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Im filling out a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one had cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge off that appears on my credit report for XXXXXXXX XXXX Account # XXXX for the amount of {$2900.00} which was obtained from your agency. I believe under the provisions 15.U.S. code 1681 ( c ) for this debt i still have not received a XXXX as proof or evidence thereof. And because of the that fact this debt is cancelled and should not be reflecting on my credit report or any past due balance as well if the debt was charge off. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA. Especially with the actual knowledge and notice of these errors and still reporting it.
Product: Debt collection

Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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

We have a mortgage with quicken loan we have only been with them for six months they are and have re accessed our escrow account this is normally done on your anniversary of you loan. When we called to ask about this we were told that all loans in the state of Louisiana are done this so people do n't suffer at the end of the year this is a company decision they have made. We feel this is wrong for them to do this is not correct and kind of border line of discrimination.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In XX/XX/2023 my credit card was stolen. Immediately after learning that fraudulent charges were made and amounted to the total of {$810.00} I called Chase Freedom to report the incident, I spoke with a representative in the Fraud Department and explained what happened, I provided dates and amounts of the fraudulent charges. The account was closed, a new card was provided. I was also sent a detailed itemized statement that showed charges that were removed. These charges were later placed on the new card. 
I again called the Fraud Department to inform them that the charges were not removed but placed back on the new account. Their investigation did include charges that were made without my authorization at the locations specified in the report. 
I also filed a police incident report as requested and forwarded the information on to the banks Fraud Department. 
I am requesting that any and all fraudulent charges and other associated fees be removed from my account and a new updated accurate statement sent. All negative credit reporting information is requested to be removed and updated.
Product: Vehicle loan or lease

The dealer willingly and knowingly didnt give me the actual contract so I didnt have all the information needed to make the deal, dealer also willingly and knowingly sold me a car with dry rotting wheels that literally i almost XXXX  because 2 of tires popped while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when they said its drives great I drove it myself but didnt mention at all any problems with the car when there was a whole list, they violated our contract 1000 ways to Sunday, heres a list 1. **Misrepresentation** : they Providing false information about a vehicle 's condition, history, or features.

2. **Predatory Lending** : they Offered a loan with unfair or deceptive terms, such as excessive interest rate close to 30 % and hidden fees.

3. **Discrimination** : Treated me differently based on my age and race and the fact I came alone and try to manipulate me 4. **Failure to Disclose** : they kept my contact from me, lied about the condition of the car and said repairs 5. **Lemon Law Violations** : Selling vehicles with significant defects that aren't disclosed or adequately addressed. 
6. **Unfair Trade Practices** : Engaging in deceptive practices during negotiations or sales. They known all oral agreements didnt apply to the deal but was making a ton of them 7. **Violation of Consumer Protection Laws** : Breaching state or federal consumer protection statutes.

8. **Falsifying Documents** : Providing false or misleading information on contracts or paperwork.

9. **Forgery or Fraud** : Falsifying signatures, documents, or financial information to secure a sale or loan approval.

10. **Illegal Fees** : Charging fees that are not allowed by law or that are not properly disclosed to the customer.

11. **Violation of Truth in Lending Act ( TILA ) ** : Failing to provide accurate and complete information about loan terms, including interest rates, repayment schedules, and total loan costs.

12. **Harassment or Coercion** : continually XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  13. **Failure to Deliver Title or Registration** : Delaying or failing to provide the necessary paperwork to complete the sale or transfer of ownership. Account been paid off and theyre willing and knowingly keeping my tags and title and lie to me and send my 20 different numbers to call and half of them be fake numbers And now XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX Virginia XXXX have apparently brought it back from Westlake and they arent cooperating and tryna get me into another contract because they have no rights to try to collect anything
Product: Mortgage

We recently sold our house but the Title Insurance company is holding over $ XXXX in escrow due to a unreleased lien from 1998. The lender was XXXX XXXX of Pennsylvania. The title insurance/under writers are XXXX XXXX, XXXX in XXXX. PA. We closed in XXXX and have tried to find any evidence from this old loan to prove it was paid. It was paid, our credit record is stellar, we borrowed against the property ( XXXX XXXX XXXX. in XXXX, PA, XXXX XXXX ) several times afterwards with no issues. We are struggling with why this title company won't release our funds because of an obvious error. We have tried to contact the other banks who purchased XXXX years ago and none will address the lien release issue. We know the loan was repaid in 1998 before XXXX was acquired. It was a bridge loan for purchasing XXXX XXXX until we sold our previous property XXXX XXXX XXXX, also in XXXX PA, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about some inaccurate accounts on my credit report. They verified these accounts through automatic verification which I did not consent to. they have violated my rights and these accounts should be removed immediately.
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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

On XX/XX/XXXX, I made a single purchase in the amount of {$32.00} from merchant " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' but was charged twice. I disputed the duplicate charge and was issued a temporary credit. On XX/XX/XXXX Citi Bank sent me a letter indicating that the merchant provided 'proof ' that the charge was valid. The attached proof from the merchant clearly indicated I should have been charged once, and my statement from Citi Bank clearly shows I was charged twice. Regardless, Citi Bank closed the dispute and charged the additional {$32.00} back to me. I spent over 30 minutes on hold and being trasfered to supervisor " XXXX '' who insisted that the dispute was not closed despite having me sent a letter saying it was, and that I " call again next week ''. Citi Bank clearly did not even read the merchant response or make any effort to investigate the charge. 

I have attached the merchant response and Citi Bank Statement to support my claim.
Product: Payday loan, title loan, personal loan, or advance loan

I dont remember dates but it was ending of XXXX going to XXXX. It was when XXXX  was just starting but they didnt know it was XXXX yet. I was in an abusive relationship that I had to get out of long story short he went to jail and I went back to live with my mom. I wasnt work for a year and so XXXX XXXX XXXX so a lot of my bills werent paid and then XXXX really hit and I really didnt have a job. This company check n go are loan sharks and cant even put it on your credit or come after you legally. I sent them a fcra looking for verification not validation and all they did was supposedly update my credit report but not send documents.
Product: Credit reporting or other personal consumer reports

I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from XXXX. As such I have requested that XXXX delete the late payment on this account due to not providing me with any evidence that I was late on this account.
Product: Checking or savings account

Addendum to complaint XXXX XX/XX/year> received a call from Wells Fargo mediation regarding my CFPB complaint She stated she was sending me an email allowing me to accept the mediation proposal of {$5000.00} I confirmed my email address. 
I open the email it was NOT as she described, instead it was a letter stating falsehoods regarding the mediation such as the date of the meeting and what was attested to by the mediation judge. 
XX/XX/year> I contacted Wells Fargo mediation team to request an explanation. I was told my case had no mediation representative any longer. He said he had heard of this woman and believed she may work, but he could not confirm it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a negative charge off my credit report. This was disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I started a XXXX XXXX account to view my credit scores and was advertised a much lower car loan refinance rate. It said I was already approved so I uploaded all of my supporting documents and was told by the company, Autopay, they can not give me a lower rate even though the specifically told me they would. Essentially damaging and lowering my credit report for nothing and false advertising
Product: Credit reporting or other personal consumer reports

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

JPMCB CARD Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handlings 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 am writing to address multiple unresolved issues with the information on my credit report in LVNV FUNDING LLC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, MS XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), LVNV FUNDING LLC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, LVNV FUNDING LLC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect LVNV FUNDING LLC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.