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

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in the 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.
Product: Money transfer, virtual currency, or money service

I was on XXXX XXXX XXXX XX/XX/2023. I was looking at auto parts and came across an online store that had the parts i needed. I messaged the store and confirmed price and availability. I was asked for my shipping info and then they provided their companies account info for payment. I paid through my CHASE account {$800.00}. Once paid the seller confirmed my payment and sent me a email with tracking details. I followed up with seller to confirm shipment and he said he would let me know when item was shipped. He then began to not answer questions about tracking and when I asked if I had been scammed he refused to respond. The seller has since comunicated via text and messenger that they did in fact scam me and are now harrsing me via text. I immediatly contacted CHASE BANK who informed me that there is nothing they will or can do. They work direct with XXXX and the sellers bank does as well but getting my money back will not be possible. I believe CHASE should be responsible, as well XXXX for allowing these transactions. They have to have knowledge of these scams and the accounts that run them.
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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I managed to find the results from XX/XX/2018 when I initially filed my fraud and identity theft claim and here are the results attached. 

You are reporting the following accounts that are showing deleted. I did not receive any notifications that says it was being placed back per the FCRA which should be in writing from the bureau and this error must be deleted. 

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

TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of XXXXXXXX XXXX XXXXXXXX Account from Credit Report Dear TransUnion, I am writing to formally dispute the inclusion of the XXXXXXXX XXXX XXXX XXXX XXXX account on my credit report. I assert that the reporting of this account is both unauthorized and inaccurate, as I never consented to its inclusion. Under the provisions of federal law, specifically 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S.C. 1681a ( Fair Credit Reporting Act ), I am entitled to control the dissemination and reporting of my financial information. 

Legal Basis for My Dispute 15 U.S.C. 6802 provides consumers with the right to control the sharing of their personal financial information.

15 U.S.C. 1681a establishes the foundational definitions and rights regarding consumer reporting and mandates that credit bureaus ensure the accuracy and authorization of reported information.

As a consumer aware of my rights under these statutes, I am invoking them to demand the immediate removal of the XXXXXXXX XXXX XXXXXXXX account from my credit report. At no point did I provide authorization for this account to be reported, as is my right under the aforementioned laws. 

Identity Theft Report and Failure to Comply In addition, I previously notified TransUnion that I am a victim of identity theft and provided an identity theft report to support my claim. Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving adequate documentation. Despite my compliance with these requirements, you have failed to act in accordance with the law. 

Request for Verification and Validation I also requested that you provide : Method of Verification : Proof of how you verified the accuracy of the XXXX XXXX XXXX  account. To date, you have not provided this information, which is a violation of consumer law. 

Debt Validation Letter : Documentation proving that this debt belongs to me. Failure to provide such documentation necessitates the removal of this account from my credit report, as outlined under 15 U.S.C. 1692g. 

Demand for Immediate Action Given your failure to provide the requested information and comply with federal laws, I demand the following : Immediate removal of the XXXX XXXX XXXX account from my credit report. 

Written confirmation that this account has been deleted. 

Assurance that this unauthorized reporting will not reappear on my credit report. 

Potential Legal Recourse Continued reporting of this account constitutes a violation of my rights under federal law, for which I am prepared to seek damages in a court of law. This includes any emotional distress, reputational harm, and financial loss incurred as a result of your non-compliance. 

I trust that you will take this matter seriously and act in accordance with the law. Please provide a response within 15 days from the date of this letter. Failure to comply will leave me with no choice but to escalate this matter further. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title XXXX of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The XXXX further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the XXXX, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under XXXX XXXX of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( XXXX ) and the Truth in Lending Act ( TILA ), both of which are contained in Title XXXX of the United States Code, provide additional protections to consumers. The XXXX requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the XXXX requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the XXXX and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.
Product: Credit reporting

On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase please explain the attached document in Detail to the CFPB on the portal. 


Claim XXXX Claim XXXX Claim XXXX Police report XXXX  by your client XXXX XXXX XXXX
Product: Credit card

Capital one savor credit card made my life harder financially and mentallyXXXX XXXX XXXX XXXX XXXX XXXX  I went though financially hardship 
Can I please get a check to cash
Product: Debt collection

XXXX, my information was caught up in the XXXX breach. I have never done business with Jefferson Capital Systems. They have not responded to anything that I sent them in writing and this error or their end has damaged my credit which has effected my opportunity to get and apartment and advance in life. This was first reported on my account XX/XX/2019, it states that the account was opened in XX/XX/2019. I have not applied or opened anything with them. My Credit score has dropped tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges and fraudulent accounts were included on my report ; without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX ACC # XXXX Status Updated XX/XX/XXXX fraudulent charges included on this account. 
XXXX ACC # XXXX Status Updated XX/XX/XXXX Fraudulent charges included on this account. 
XXXX XXXX XXXX ACC # XXXX Fraudulent account, please delete asap XXXX XXXX   ACC # XXXX Fraudulent account, please delete asap I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Checking or savings account

I asked Wells Fargo why am I being charged all of the {$35.00} fees if the withdrawals from debtors isn't going through. They won't allow the overdrafts but still charge me the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2017 with Transunion through XXXX XXXX. My dispute is over the validation/verification of my Bankruptcy. Since it has been over 30 days I want the Bankruptcy # XXXX removed because Transunion has not provided proof of validation of the Bankruptcy # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately on my credit report XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request.

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my customer out of XXXX XXXX, Minnesota was wiring {$21000.00} to my company for work provided here in Oklahoma XXXX. Friday, XX/XX/XXXX the money was not in my checking account, so my office XXXX contacted A/R at ( XXXX ) our customer to advise it still was not showing up that it had been sent. XXXX XXXX advised that the funds were not withdrawn until overnight Thursday, so it should be showing up by Monday, XXXX. The funds never appeared. Tuesday, XX/XX/XXXX contacted customer again and stated he had wired funds to the account that was emailed to him on XX/XX/XXXX. We did not send the customer an email with that information, so after he provided us with an email showing from ( our email address with the bank routing and account number ) we immediately knew this was fraud. Immediately contacted bank about the fraud and customer to do a " Request Reversal '' since it was sent to the wrong account number. Called Chase again XX/XX/XXXX to find out we needed to do. Chase stated since the funds never appeared in " XXXX '' checking account there was nothing they could do. We asked why the funds were wired to an account that did not match our name and address, and Chase representative stated they do not check that, ( even though it is required on all domestic wire transfers ). Another call to local Chase bank, spoke to XXXX XX/XX/XXXX, he then advised nothing they could do. We would need to get a lawyer at this point, even though during this time Chase had already investigated and admitted they did find the wire as XXXX. 
Also on XX/XX/XXXX, I contacted my email XXXX and IT personnel at XXXX and they could not find any email that was sent on XX/XX/XXXX from my IP address. So either they " Mirrored '' my email or my customers has not been found out.. 

So my complaint is that JP Morgan Chase Bank did not and admitted they did not take the proper steps and matching the wire transfer with our company name and address. 
Chase is responsible for the Request Reversal so that their Bank can get customers money back and then pay My company.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX  XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This month XX/XX/2022 transunion reported my credit score and they reduced it by XXXX points. I have paid everything in time. I have called three times asking them to explain to me what information did they receive or use to determine my score and reduce my score by XXXX points in one month. The other two reporting agencies did not report my credit score dripping XXXX points. I have the right to know what information they received to arrive at such a harmful impact to me personally. I can not get anyone at transunion including a manager and two supervisors that can provide me with the exact information or data they based their reporting on. I feel this is incorrect and critically damaging to me and I can not get an explanation from transunion. In fact they refuse to help me with this reporting problem. By them reporting my score dropping almost XXXX points in one month they have critically damaged me as it has prevented me from getting safe housing and caused landlords and property management companies to require exorbitant deposit amounts. I demand an explanation and proof of the data they used to base their decision to report my score dropping substantially. In my attachments you will see capital one raised my credit limit which should be a positive event because it shows I am paying as agreed. Another attachment reflects my credit utilization is at 20 % which is well below industry standard as it pertains to calculating credit scores at 30 %. There is no reason transunion should have reported my score down almost XXXX points. Transunion has massively harmed me personally and it is criminal in my opinion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of a fraudulent inquiry that appears on my credit report. Upon reviewing my credit file, I noticed an inquiry that was never authorized by me, and it is clear that this inquiry was made without my knowledge or consent. I am categorically asserting that this inquiry is fraudulent, and I need it removed from my report as soon as possible.
Product: Prepaid card

I am writing to file a complaint regarding an issue I encountered while purchasing XXXX debit gift cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Receipt Attached # On XX/XX/2024, I attempted to purchase XXXX debit gift cards with the intention of using them for specific purchases. Upon attempting to purchase/activate both cards the sales consultant XXXX and myself discovered the that only XXXX of them was activated. The paper receipt says ESPrepaid Processing Failed.Declined Response Code is XXXX : Suspected Fraud ; Refund Required and " Pending Refund : Vanilla One Visa XXXX '' Even with this directive on the receipt he would not issue a refund. I was charged for both cards at the time of purchase. XXXX gave me the card that was activated and insisted he could not issue a refund for the XXXX debit/gift card nor did he give me the card that did not get activated. 
I requested the XXXX and was told she wasnt in but would be working in the afternoon. I returned later that afternoon and was introduced to the XXXX XXXX who had been briefed on the situation. She reviewed my receipt and acknowledged that I was charged for both but only XXXX activated. She would not issue a refund but stated the extra {$500.00} charge will fall off your credit card in XXXX days. She ( the XXXX XXXX XXXX told me the company knows this is an ongoing issue but she could not or would not issue a refund. She insisted I wait at least XXXX days to see if a refund/credit would appear. I check my statements often and of course it did not fall off my credit card statement. Ive been charged the full amount for XXXX debit cards with activation for only XXXX. 
I have reached out again in attempt to resolve this issue but I have not received a satisfactory response or solution. I am entitled to receive the refund of {$500.00} value of the second gift card that I was charged for but not given or activated. 
I would like to request your assistance in resolving this matter and ensuring that I am either provided with a working replacement card for {$500.00} or reimbursed for the value of the second card + reload fee that was not activated- {$500.00}. Receipt attached. 
Thank you for your attention to this matter, and I look forward to a prompt resolution to this issue.
Product: Credit reporting

My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now XXXX % usage ( vs XXXX % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.