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

The reason why am writing this is to inform and express my concerns regarding Zelles handling of dispute of the recent CFPB lawsuit highlighting significant issues with the platform. I been using Zelle several times and have reported several issues. Zelle has informed that recovering the funds was impossible to track these transactions. Its not fair that not only mine but several of there other consumers have been neglected to protect consumers but also allowing us be vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXX XXXX XXXX It say 30 days late for XXXX times and 60 days late XXXXtimes and 90 days late XXXXtimes. This is all inaccurate information. Please remove this account.
Product: Student loan

In XX/XX/XXXX, I received a bill and paid my monthly payment, but I was later placed in forbearance for that month ( along with many other borrowers ) due to Mohelas late billing. 

On XX/XX/XXXX, I called Mohela to request a refund for that XXXX payment. The Mohela representative advised me this could take up to XXXX business days. 

I have since called to check on this refund on XX/XX/XXXX ( 5 months/89 business days after the request ), XX/XX/XXXX ( 7 months/133 business days after the request ), and XX/XX/XXXX ( 8 months/145 business days after the request ). Each time I have called, the representative has told me they will submit a request, but my only option is to continue to wait. 

As it has now exceeded 160 % of the originally quoted time to refund, with no refund or additional information in sight, I am requesting assistance in getting to the bottom of this and receiving my refund as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} SXXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX /XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX XXXX  # XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.
Product: Credit card or prepaid card

I pulled my credit report and it showed an Amex business account with an outstanding balance. I contacted them and found out that this outstanding balance was created by a charge made that I did not authorize or make. 

Charge : XXXX XXXX XXXXXXXX - {$1800.00} Date XX/XX/XXXX Case ID # XXXX - Card Type : XXXX XXXX XXXX Preferred Guest I spoke with the disputes department who advised me to file a police report for the fraud and send them a letter to dispute the charge with a copy of the police report. I did so on XX/XX/XXXX. I called in last week to check on the status and was told that the case was closed and that they " Validated '' the charge and thus I was responsible for the amount. I asked how they verified the charge and if they had any information I could forward to the police investigator. They would not answer my questions about how they verified the charge only that they did. 

I am seeking help with resolving this matter as I do not agree that I should be responsible to pay for a charge I did not make. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you.

I have discovered a very easy, clear, and concise violation on one my collection accounts. 
On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency. 

I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation. 

I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate employer keeps reappearing on my credit report ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

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

Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.
Product: Credit card

My Bank of America credit card was fraudulently used to pay for XXXX transactions including a cash withdrawal totaling over {$2400.00} and my credit card company is refusing to credit my account for fraud. 


Posting Date in chronological order sort by Description in alphabetical order Type Expand Type of transactions sort by Amount in ascending order Balance Expand transaction for Transaction date : XX/XX/2023 FRAUD DISPUTE XX/XX/2023 XXXX transaction for Transaction date : 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late Credit XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX $ XXXX update to never late XXXX XXXX XX/XX/year>
Product: Mortgage

We 've been modified for a loan at XXXX XXXX XXXX, after they approved the modification. They sold it Selene finance, and they ask me to pay XXXX trial payment which I did, they said give the another month to finalize the loan, but they have n't done anything. They keep on telling me next month, it has now been six months since they gave me the final modification.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : Capital One # XXXX XXXX : Capital One # XXXX XXXX : Capital One # XXXX
Product: Debt collection

Hunter warfie ld his continuing to violate the FCRA t he FDCA the tn state law. the company is claiming that I owe   XXXX   XXXX    XXXX . I do not. as per tn state law the carpet must be replaced every 5 years ( hunter warfield admitted this fact ). tn state law also states that once the company accepts any form of payment they are prohibited from any fur ther actions. on  XXXX    XXXX   the company   XXXX   XXXX   accept {$1600.00} payment which would have covered the months i was not able to pay. the amount agreed on in court  was  XXXX . as per tn state la w once money was accepted by   XXXX   XXXX   they waived the right to have any lien. Please only accept information from eagle point with my signature last time the company falsified documents to make it seem like my lease wasnt up when I left the apts
Product: Credit reporting or other personal consumer reports

i notice on my credit today that i have unrecognized accounts on my report. 
please remove all accounts reporting to FTC and all credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Portfolio Recovery XXXX XXXX! XXXX XXXX, XXXX, XXXX ACCOUNT XXXX ORIGINAL CREDITOR : XXXX  Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX, Equifax, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, XXXX, XXXX, and Equifax are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my XXXX. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.
Product: Checking or savings account

I have made several attempts to file a claim for disputed transactions listed below : 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 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 Closed {$42.00} All of these transactions have been denied by chase bank on getting my funds back from these merchants, as service was not rendered in any way shape or form.
Product: Checking or savings account

I stopped at Chase Bank ATM terminal ID XXXX at XXXX XXXX XXXX XXXX to withdraw {$400.00} from my XXXX account. The ATM did NOT dispense money, instead printed me a receipt saying we arent able to dispense cash right now. Please call us at XXXX. Chase bank DID remove {$400.00} from my XXXX account. When I called chase bank I was told they couldnt do anything about their ATM stealing my money. I asked if I could go into the branch and get my money, at which point I was transferred to a recording that said please call us back and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently found out my social security number address phone number was all found on the XXXX web so it gave me terrible credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I pulled out an account for {$840.00}. I have paid off the original amount but did not realize they'd be charging an insane amount of money to credit me {$840.00}. I will be charged over {$5000.00} just to borrow {$840.00} I have already paid back. I do not see how this is legal and it is definitely predatory. They advertise easy payback methods but will continue to pull money out of my account to cover an amount I never borrowed.
Product: Debt collection

Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are XX/XX/2019 at XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I will attach a copy of the snippet from my credit report. Its appears that Experian did not correctly investigate for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per Experian no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on Experian 's credit report. 

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXXXXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,
Product: Checking or savings account

On XX/XX/XXXX 2 payments were deducted from my bank of America checking account for my auto insurance with XXXX from my BOA checking account ending in XXXX, one for {$320.00} and one for {$310.00}. Only one payment was to be made to pay that months invoice but it is not known how 2 separated payments were made. I did set up one payment on XXXX 's for {$320.00} but the 2nd payment for {$310.00} posted first to the account and paid the auto insurance for that month. XXXX 's could not verify for me if the additional payment was accidentally a technical issue or put through by my insurance agent in error which also occurred in XXXX but has been corrected. I disputed the extra payment of {$320.00} through the bank and it was credited to my account on XX/XX/XXXX, however, Bank of America sent me a notice stating that it plans to reverse the credit of {$320.00} and charge my checking account {$320.00} on XX/XX/2020. Bank of America should not debit my account because as of today, I am now overpaid on my auto insurance and if they debit my account {$320.00} on XX/XX/XXXX, it will directly affect my billing and put me 2 months ahead which I do not want. I have attached documentation to prove my claim.