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

In light of the recent CFPB lawsuit highlighting significant issues with Zelle 's platform, I'm inclined to express my concerns with their business practices pertaining to disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible to recover 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

My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that.
Product: Checking or savings account

I disputed a {$190.00} transaction that was processed on my account on XX/XX/. The last transaction that I authorized using my card was from XXXX in the amount of {$100.00} which included a {$20.00} cash back amount. Regrettably, I left my wallet at the store and hadn't realized it until the next day. When I got back to the store I was told that someone returned my wallet to a staff member of the store. However, I had not realized at the time that the transaction for {$190.00} had posted to my account. It wasn't until XXXX  that I noticed the amount I normally write down to keep track of my account did not match the amount indicated on the app. I then looked through my transactions thinking that I may have forgotten to write down a transaction and then noticed the transaction for {$190.00}. I did not authorize this transaction since the last transaction I had authorized for that date was at XXXX. The additional transactions were made by me because I had the card back in my possession after receiving it back from a XXXX employee. However, the {$190.00} transaction was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}.
Product: Credit card

Earlier on tis year my bank account was hacked and XXXX was taken out, during that time my bank account was frozen. 

I notified CitiCards of the issue and they advised that it was ok. Eventully I got the funds back and my account was brought up to date a short time later. 

Citi Cards has closed my account. I object.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint regarding the unfair and possibly discriminatory practices of Wells Fargo in handling my credit card account. On XXXX XXXX, 2024, I received a notification from Wells Fargo that my credit limit had been reduced from {$16000.00} to {$8600.00}. This reduction was made without prior notice and placed my balance over the new limit due to a pending transaction, causing significant damage to my credit score and financial stability. 

Timeline of Events : Perfect Credit History, Prior to this incident, I maintained a perfect credit history, using my personal credit to support my business growth responsibly. I never missed a payment and kept my balances within reasonable limits. 

XX/XX/XXXX2024 - Limit Reduction : Without any prior notification, I received a letter from Wells Fargo on XX/XX/XXXXXXXX XXXX, 2024, stating that my credit limit had been reduced from {$16000.00} to {$8600.00}. This immediate reduction placed my current balance over the new limit due to a pending transaction. The balance due was raised to {$650.00}.

Impact on Credit Score : As a direct result of this sudden credit limit reduction, my credit score dropped significantly from a high rating to XXXX FICO. This drastic drop severely affected my creditworthiness, hindering my ability to secure necessary financing for my business.

Violations of the CARD Act : Lack of Notification, The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires credit card issuers to provide at least 45 days notice before making significant changes to account terms, including credit limit reductions. Wells Fargo failed to provide any such notice before reducing my credit limit, thereby violating this provision.

Over-Limit Fees : The CARD Act prohibits charging over-limit fees unless the cardholder has explicitly opted into such fees. Due to the sudden reduction, my balance exceeded the new limit, but I did not receive an over-limit fee notification or opt-in request, indicating another potential violation.

Request for Resolution : I believe that Wells Fargo 's actions were not only unfair but also potentially discriminatory. The lack of proper notification and the severe impact on my credit score suggest that the bank may have unfairly targeted my account, possibly due to the recent inquiry for a business line of credit. When speaking with Senior Escalations Representative
, XXXX XXXX XXXX XXXX, although she noted my concerns, the information provided back lack of metrics and " template answers '' which could not be justified.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. 


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

I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have googled the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of several hard inquiries listed on my credit report. These inquiries were made without my authorization and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. As such, I am requesting their immediate removal. 

The disputed inquiries are as follows 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 **Basis for Dispute : ** XXXX XXXX XXXX XXXX ( FCRA ) Compliance : ** XXXX. **Unauthorized Inquiries : ** Under the FCRA XXXX consumer reporting agencies are obligated to ensure that all information in a consumer 's file is permissible and authorized. The above-listed inquiries were not authorized by me, and as such, they are not permissible under the XXXX. The FCRA, XXXX XXXX. XXXX, restricts the circumstances under which consumer reporting agencies XXXX furnish a consumer report, which includes the requirement of consumer authorization for hard inquiries. 

XXXX. XXXX and XXXX : ** The FCRA, XXXX XXXX. XXXX ( b ), mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The inclusion of unauthorized inquiries directly violates this requirement and has adversely affected my XXXX XXXX and financial standing.
Product: Money transfer, virtual currency, or money service

I was manipulated to buy a new coin listed by Coinbase on this Tuesday XX/XX/2021 and Wednesday XX/XX/2021 at very high price and this crypto platform decided to delist it after doing something to make the value drop very low. They are now freezing my fund which is already lost in half. The coin increased 6 folds in a few hours so when it dropped down, many people included me saw it as a dip and bought at high-price. Coinbase allowed us to buy at that price but then delisted it at very low-price within 24 hours! It shouldn't be called or quickly fixed into a " stable coin '' if it wasn't behaved as a stable coin! Coinbase shouldn't let people buy at higher price than its intended " stable value ''. They shouldn't get customers ' money at higher price, print a lot of coins and keep the coins for themselves while customers definitely lose the money. Who would invest on that? The behavior is extremely unusual and signaling a scam scheme. Coinbase also fixed up its chart so it never showed the peak at 6 folds, but I have proof from an independent crypto chart. I am very upset because the coin value was misleading, and this whole time I could use this fund to invest on another coin of interest and earn 4 times profit. But right now, not only my fund is cut in half, it's also frozen and coinbase has no answer on reopening date and compensation. Coinbase has done this sometimes in the past when I traded other coins. I wasn't able to sell my coins when it's at higher price ; by the time I was able to sell, it's already low and I lost much money. However, they let me trade or transfer to a coin that's losing value suddenly ; the result is that I also lost money that way. Their buying price is usually 10 % higher and selling price is 10 % lower so many times I made no profit or just lost ... despite the fact that the coin value increased after I bought it! So far I lost a few thousands with coinbase, but this incident alone is a clear case of abuse and scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate XXXX, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such XXXX according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section XXXX of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( XXXX XXXX. XXXX ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. XXXX XXXX XXXX XXXX ( a ) and ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for CENTURY FINANCE, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am complaining against Kraken, a Registered E-Money Service Provider, for misconduct that manifested in the breach of duty of care. On or about XX/XX/2019, I entered into an investment contract with XXXX XXXX using my XXXX XXXX XXXX account to transfer XXXX XXXX. I transferred my hard-earned money under the instructions of the fraudsters, thinking that I am engaging a legitimate investment firm, however, XXXX XXXX have taken my funds and failed to repay the money to me upon request. Enclosed you will find a letter with detailed information about my case.
Product: Debt collection

I never had an account with HSBC. Please provide validation of this debt associated with account ending in XXXX. Do not call, please. Communicate in writing only.
Product: Student loan

Student loan reprting is deceptive and destructive in the way they report to the credit bureaus. This appears to be a common problem that I am surprised hasn't been addressed. I took out 4 parent plus loans which have all been in deferment until recently. The problem is on all 4 loans they show a high credit of only the original loan amount. Interest accrues and the amount I owe is correct on the report however with the high credit only being the actual amount of the original loan amount on the credit report takes away available credit and show the loans are collectively negative by about 130 % of the original amount. This is destroying credit reports from all students. Once the loans go into repayment then the loan is set and should reflect the original loan amount plus interest as a high credit because it is. That should be your high credit because that is actual. This is deceptive practices. I have sent certified letter to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and they are standing by their reporting. Also sent certified letters to the credit reporting agencies. I have all the documentation to provide.
Product: Debt collection

XX/XX/XXXX, an account was opened with XXXX XXXX which at that time was through XXXX money. We made regular payments on this until XX/XX/XXXX, after financial difficulties, and ceased contact with the company. 
In XX/XX/XXXX XXXX sold or changed their name to synchrony bank. 
XX/XX/XXXX {$5800.00} was sold to XXXX XXXX XXXX. 
We were served with a notice to file an answer by XXXX XXXX in Colorado regarding this debt. ( Colorado XXXX XXXX XXXX XXXX 8 years, this was included in the answer ). 
Pre trial conference was on XX/XX/XXXX, asked again if this could he dismissed but judge stated he had not reviewed the case and that could be done at the trial. 
Trial date was set for XX/XX/XXXX. 

Case number XXXX XXXX XXXX la XXXX XXXX colorado XXXX XXXX XXXX Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Defendants XXXX XXXX and XXXX XXXX Additionally my husband is XXXX and can not handle the stress of going to court. 
I need your help to please stop this predatory attorney from harassing us through lawsuits.
Product: Credit reporting or other personal consumer reports

The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that XXXX mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!
Product: Credit reporting or other personal consumer reports

These are all inquiries on my credit report that are inaccurate. 

XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XACTUS Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS LLC XXXX : XXXX. XXXX, XXXX XACTUS LLC Inquiry : XXXX. XXXX, XXXX XACTUS LLC XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XACTUS LLC XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

Complaint Regarding Withheld Funds and Lack of Response from XXXX Dear CFPB, I am submitting this complaint against XXXX for illegally withholding my funds after my account was closed. Despite multiple attempts to contact XXXX support team, I have been ignored and my request for the withdrawal of my {$XXXX} remains unresolved. XXXX has not taken any action to release the funds, which is a clear violation of my rights as a customer. 

I have reached out to XXXX on several occasions via their support channels, but my concerns have been disregarded. As of now, my attempts to resolve this issue have been unsuccessful. 

In addition, I have already filed complaints with the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. However, I am still waiting for XXXX to release my funds. 

I am requesting that the CFPB investigate this matter and assist in ensuring that my funds are returned to me. If this issue is not addressed promptly, I will continue to escalate it through legal channels. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have received between 2-3 calls a day from this debt collector and have received voicemails of automated bot messages. They don't provide context for who they are, however they have violated the 7 calls in 7 days rule the FTC has put in place several times over the last 4 months. This is harassment and unacceptable behavior.
Product: Credit card or prepaid card

tried to call target cc service ordered a bag from XXXX never received i believe it may have been stolen crime is up by me due to pandemic. i reported it to police i was charged over 180 dollars from XXXX never got back reporting it to XXXX no response. please credit NEVER RECEIVED
Product: Debt collection

Mariner finance continues to harass me with phone calls at home and work even though I have been to there place of business 2 times and asked they STOP calling me. This is Mariner Finance in XXXX Tennessee