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

I am writing to formally express my concerns regarding Zelles distribution and handling of funds, especially in light of the recent CFPB lawsuit highlighting significant issues with a platform. Despite using all multiple times. And reporting discrepancy with my financial institution, Zelle failed to investigate my claims adequately. They informed me that tracking these transactions were not feasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concern for the consumer safety.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had an issue with my mortgage company. I got a notification of a large increase in monthly payments and so I called more than a half dozen times to get an explanation for the increase. I could not get any answer nor even someone to talk to me. At last, after many many tries, I did talk to someone who I asked for a detailed account for the increase. She did not have any specifics but did say that the company policy was to ask for two additional monthly payments. I did not sign any agreement calling for extra payments in advance, although I do realize that my original mortgage company has sold my loan to another company. I need a detailed explanation for the rate increase and I want to say that I should not be subject to the two additional months of advance payments since I never agreed to such a practice.The statement date was XX/XX/2020 and showed that the payments would change from XXXX to XXXX ( and increase of XXXX. The statement also showed an escrow deficit of XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

SoFi has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025. I looked at my credit and noticed some inaccuracies. I sent a letter to Experian on XX/XX/year>2025 asking them to investigate these accounts XXXX XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX Firstly, I believe that this limitation was placed on my account due to a misunderstanding or mistake. I have always strived to comply with PayPal 's policies and guidelines to the best of my knowledge. I am not aware of any actions or transactions that would warrant such a restriction. 

I kindly request that PayPal thoroughly re-investigates my case. I believe that a review of my account activity will demonstrate my commitment to following PayPal 's terms and conditions. 

My PayPal account is crucial for my financial transactions and online activities. Its suspension has caused significant inconvenience and disruption to my personal and professional life. Therefore, I respectfully ask that PayPal considers restoring my account access, pending the outcome of the re-investigation. 

I appreciate your prompt attention to this matter and request that you contact me at your earliest convenience to provide updates on the status of my appeal. I am eager to resolve this issue and continue to use PayPal 's services responsibly. 

Thank you for your understanding and assistance in this matter. 

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

I've noticed that some of my accounts are not being accurately reported in my credit report, which is causing me significant stress. I kindly request an investigation and correction of this issue to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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, credit repair services, or other personal consumer reports

Hard inquiry from ( Citibank Na best b Televisin and radio ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019.

Both inquiry wasnt made from me, I was advised by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Social security was deposited into my Cash app account. A few hours later I received a text from cash app saying my a phone number had been added to my account. I got another one a few seconds later that my email had been removed. I tried logging into my account and could not. So I called cash app support and told the representative what was happening so they checked the account and finally got me back into it when I got back in I told the representative that there were transactions that were made while had no access to the account he said yes that he could see that but he would not lock the account or that he could not refund the money until the transactions had completed because they were still pending. So we hung up a few hours later i was at work and I got a message saying my phone and email had been removed from my cash app account so I called cash app again and told them the problem they got me in the account and u noticed a bitcoin transaction had been made. I immediately told the representative and gave them the bitcoin address it was bought for {$400.00} and sold {$410.00} a few min later now cash app refunded {$54.00} for the money taken but told me there was nothing I could do because it was bitcoin. 
Now on XX/XX/year> cash app has locked my account for fraudulent activity which this time it was me making the transaction. But am being denied access to the account. My electric has been shut off twice while cash app has denied me access to my account.
Product: Credit reporting or other personal consumer reports

After investigation was completed by TransUnion back on XX/XX/2024, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. TransUnion continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 

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 I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you please look into this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 items 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 remaining items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Account Name : XXXX, XXXX When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount XXXX Account Name : XXXX XXXXXXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount NumberXXXX Account Name : XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : XXXX Accoount NumberXXXX
Product: Credit reporting or other personal consumer reports

Transunion Credit report is showing missed payment for my student loan XXXX account and I was never late I contacted Transunion to have this updated and nothing has been done I spoke with the loan company and they confirmed I was not late this is also not reporting on XXXX or XXXX and I am requesting this late payment be updated asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Recoding Act. The List of account i have provided below has violated my Federally Protected Consumer Rights to privacy and confidentiality under { 15 USC 1681 } XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX & XXXX : Acct # XXXX, XXXX has violated my rights. 
XXXX XXXX : ACCOUNT # XXXX, XXXX, XXXX has violated my rights. 

{ 15 U.S.C. 1681 } Section 602 A. States : I have the rights to privacy.

{ 15 U.S.C. 1681 } Section 604 A. Section 2. 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 Items '' 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 ) States 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: Credit card

Currently work is going to cut my hours. I work for a general contractor and we didnt expect it to get slow. Nobody does. I called capital one since they are my credit card provider for XXXX accounts and let them know. I basically wanted some type of help. The only program they offered me was for 3 months they would waive my fees, but interest will still accumulate. The only advantage to the program is if I paid my payment late I would not get a late fee, but everything would still be reported to the credit bureau that I was past due and they will still be racking up on all the interest. I then asked to speak to a supervisor whos name was XXXX and his advice basically was let the account go past due and give us a call to see what we can offer you then. I am not sure whether this was legal or not, but it did not make since. I have been a loyal customer to them for 5 years and when I needed help it was basically do not pay, rack up fees and interest, and then we will help you. When I questioned XXXX on the fact he told me let your account go past due and then we will be able to offer you programs I was a little upset. Here I am trying to avoid not making payments, trying to work something out with them, and most importantly let it effect my credit and he did nothing to help nor at least empathize with me. We all struggle of course, but being a loyal customer to them I expected better help. I would have never thought to report capital one and I thought about it last night, but it just did not seem right to me. If I am trying to work something out so they see payments coming in I expected there help back instead of just trying to suck out fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a XXXX balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX   balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Product: Credit card or prepaid card

I planned a 6 week XXXX trip for the summer of XXXX, but unfortunately COVID19 hit making it impossible to travel from the US to XXXX this summer. As soon as, it was made illegal to travel aboard from the US I informed all vendors that I will not be able to make the trip and was requesting a refund. Almost all vendors complied immediately but XXXX XXXX refused to stating that they still plan to have the flight occur. I canceled my XX/XX/XXXX flight ( XXXX XXXX XXXX to XXXX ) on XX/XX/XXXX due to the COVID19 pandemic. The airline refused to supply vouchers or a refund, so I began the dispute process with CapitalOne in XX/XX/XXXX due to the fact that the flight charge was on my quicksilver card. 

Capital one continuously asked for more information but the main point of the argument was it was not legal to fly overseas and I canceled my flight to abide by US law. They ended up losing the dispute with XXXX XXXX and tried to charge me for the charges. After thoroughly explaining the situation for several months I was promised a full credit from a dispute manager in XX/XX/XXXX. The credits appeared on my account and thought the issue was finally resolved, but without notice or any info the charges reappeared on XX/XX/XXXX. I called CapitalOne and they said I lost the case and they have no record of the call so I will just have to pay. 

I then again began the process again and demanded that they pull the phone records and confirm that I was not promised a permeant credit. After several weeks they finally agreed to pull the records and claimed that a credit was never promised. I requested the audio files or a transcript to review because I know it was promised. The claimed they could not and I requested for process documentation stating that and they could not provide. CapitalOne is currently committing fraud against me and I would like them to be held accountable.
Product: Credit reporting

Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        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  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card with Chase ( it was a MasterCard, then Chase converted it to a Visa despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, Chase  promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. Chase should remove the reporting of this account from my personal credit reports ( XXXX XXXX, XXXX, etc. ) and handle this with the company whose charge this belongs to. Chase should also compensate me for the damage it has done to my previously impeccable credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that Select Portfolio Servicing used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. Transunion has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  CFPB : Experian Report  XXXX , dated  XXXX   XXXX ,  XXXX , fails to list my full-time employment,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , since  XXXX , with the State of Illinois, my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my   XXXX   employments added. I want true copies of the  Source Docum ents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlemen t ( NMS ) an d the Independent Foreclosure  Review ( IFR )  because  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging m e LIBOR, forced  me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.
Product: Checking or savings account

my XXXX  business account, XXXX XXXX  XXXX XXXX on XX/XX/year> I charged a customer XXXX through tap pay there credit card approved for the purchase and it was charged to there credit card. XXXX  has had my money in a pending status since and keeps telling me engineer team is working on the issue. they will not release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has lied about being able to verify I am who I say I am & denied access to checking / credit card account ( s )