23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). If so please produce a contract between you and I showing that I gave you permission to furnish this report. I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on XX/XX/21 you responded that you will start an " investigation ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU STATED IN YOUR RESPONSE ON XX/XX/21 THAT YOU WILL " NEED TO CONTACT THE DATA FURNISHER ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation! 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX  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, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I spoke with a woman in the beginning of XXXX and requested this account be closed. 
Instead of closing the account, they drastically lowered my credit line which dropped my credit XXXX. This was AFTER I filed an earlier complaint about their customer service agent and the company charged me interest on a XXXX dollar balance. They removed that mark from my credit and then dropped my credit line from XXXX to XXXX. This affected my score by XXXX points and will affect it again once they actually close the card. 
This is incredibly unfair and feels like retaliation to me, the consumer.
Product: Debt collection

I have a XXXX XXXX account that went into collections with Portfolio Recovery Associates, both are showing on my credit report for the same account. This is a violation of the Fair Credit act and I have requested that it be corrected.
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 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 items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/2019Balance {$880.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/2019 Balance {$4400.00}
Product: Debt collection

I received notice from Cedars Business Services LL, ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ) for collections on behalf of XXXX XXXX XXXX XXXX when I was in XXXX in XX/XX/2013. I paid the traffic violation ticket when I got the ticket 5 years ago. I don't have any proof because this occurred 5+ years ago and now Cedar Business Services is trying to collect more from me. Also Isn't there a statute of limitations on this and how can a traffic violation occurring in another country placed to debt collections. I provided no consent.
Product: Consumer Loan

Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX  || DATE OF INQUIRY : XX/XX/2024 - XXXX  || DATE OF INQUIRY : XX/XX/2024 - XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2024
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Capitol One not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681 XXXXXXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX # XXXX The above account names has violated my rights 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting Experian since my Experian account was canceled on XXXX XX/XX/2022 and finally got to speak with someone today. Two reps told my that my credit card didnt go through in which Im currently using so thats incorrect. Experian cancelled my {$19.00} membership and is now trying to make me pay more. Spoke with the first rep that put me on hold and hung up on me after she couldnt get help so I called back and spoke with another rep that was unwilling to help me so I asked for the supervisor. XXXX XXXX of membership told me there was nothing she could do and was very rude. Its amazing that these companies are not teaching Supervisors customer service. I would like to file a complaint against Experian.
Product: Checking or savings account

I deposited a {$500.00} check on XX/XX/XXXX wells fargo credit my acct and w/held {$100.00} until the check cleared the next day, the next day bank told me it cleared but didn't credit acct {$100.00}. Monday went into branch and the did not want to discuss my statement not reflecting the true amt of {$400.00} it shows a {$500.00} amt. The XXXX became irate and asked me to leave there are other customers in line. XXXX XX/XX/XXXX my ssdi check was credited 1 week early I filed a dispute on XX/XX/XXXX. On XX/XX/XXXX got notice the check was returned unpaid. Bank charged mY acct {$500.00}. On XX/XX/XXXX Bank credit acct {$400.00}, the same day debited acct {$500.00}. The returned check was a substitute check. I went into branch to close my acct on XX/XX/XXXX the lady told me they would put acct in transition until everything was cleared up no transactions would be allowed like direct deposits or checks..on XX/XX/XXXX my ssdi check was deposited 1 week early and charged {$1400.00}. They kept money that was not owed. I already called to redirect my ssdi check. It was supposed to be redirected to a new acct at different Bank. My IRS bill, electric gas and water didn't get paid due to the bank actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCA COLLECTIONS XXXX -- - XXXX XXXX XXXX DATE OPENED- XX/XX/2022 DATE UPDATED- XX/XX/2022 AMOUNT- {$100.00} ACTIONS TAKEN BY COLLECTIONS - XXXX negative reports on my credit report, that are impacting my XXXX XXXX negatively, and all of this being done as a VIOLATION of my rights. No medical bill should be reported on my credit report if it is below {$500.00}, furthermore if I have not signed a contract allowing them access to my medical information. 

ACTIONS TAKEN BY ME- Dispute was filed ( date is not exact ) 6-7 weeks ago.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. TransUnion Consumer Solutions, XXXX XXXX XXXX and XXXX XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute of the XXXX XXXX tradeline on my Experian credit report XXXX, which incorrectly shows that I have two 30-day late payments in XX/XX/XXXX and XX/XX/XXXX. As part of my dispute, I provided payment confirmation emails received directly from XXXX as confirmation to prove I made payments in both XX/XX/XXXX and XX/XX/XXXX ; therefore, the 30-day lates that appear on my credit report are incorrect. The XXXX XXXX tradeline is also incomplete because the original balance and the monthly payment information are absent. On XX/XX/XXXX, I received dispute results from Experian, which did not correct the incorrect 30-day lates or the incomplete data. The Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies must update or delete inaccurate, incomplete, or unverifiable information within 30 days. Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate and incomplete information on my credit report. I am attaching the information I submitted to Experian as supporting evidence to correct the XXXX XXXX tradeline. The attachments include the breakdown of the issues with the tradeline and the emails from XXXX, which confirm the payment dates of XX/XX/XXXX and XX/XX/XXXX. I am also providing email header information, which can be used in court to validate that the emails from XXXX are genuine. I am confident that Experian did not contact XXXX, the tradeline data furnisher, to confirm the validity of the emails. The FCRA binds Experian to validate with the data furnisher, and XXXX should have records of what emails were sent from their payment systems. I am also attaching my driver 's license to confirm I am XXXX XXXX XXXX because Experian has tossed past disputes claiming I wasn't me. At this point, I want the XXXX XXXX tradeline permanently deleted from my Experian credit report.
Product: Checking or savings account

In XXXX I became aware that CapitalOne had purchased XXXX XXXX XXXX, an institution where I held several IRAs. 
I had lost track of the fact I even had these IRAs because once CapitalOne took over XXXX XXXX XXXX  ( after some research I believe sometime in XXXX or XXXX ), they ceased communications on my accounts. 

Obviously that lack of communication means they didnt even take the most basic steps to protect my interest as a customer. Additionally : 1 ) They didnt attempt to place me in suitable investments. 
2 ) They repeatedly rolled me over into long term instruments with very low rates. 

Once I realized what happened, initial attempts to contact CapitalOne yielded no results. I then took the step of filing a XXXX XXXX XXXX complaint against CapitalOne. XXXX the XXXX complaint, CapitalOne agreed to liquidate the IRAs at no charge and send them to my current brokerage retirement account and they sent me a letter to that effect ( dated XX/XX/XXXX and signed by XXXX with no last name ). That really wouldn't be a fully appropriate resolution given their actions ( or lack thereof ) but at least it was a start. However, several voice mail messages to XXXX at the number included in their XX/XX/XXXX letter went unreturned and, to date, there has been no action. 

Although its possible that my account situation is unique ( given the poor and unsuitable treatment I received ), one of the reasons I want to make sure CapitalOne is held accountable for their actions is that there may be tens of thousands of customers who have also been mistreated in the manner I described in this complaint. 
I believe the protection of consumer financial rights demands action be taken against CapitalOne. 

Thank you in advance for your time and help. 

Regards, XXXX XXXX
Product: Debt collection

The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORT XXXX for XX/XX/19 Contains the following fake information used by XXXX XXXX to obtain credit against my SSN as contained in my EXTENDED Fraud Alerts and IRS ID THEFT Affidavit. I've written Experian many times only to discover that they have not removed the information at all from my Credit File. The information contained in the file belongs TO ME since they're reporting FAKE NEWS on me which seriously affects my future employer, creditors, potential clients, and credit applications. I am unemployed seeking employment and the misleading information must be removed as they are incorrect and not accurate.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to instigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I leased a XXXX XXXX in XXXX and in XXXX of XXXX it was totaled. I was told when I went to lease a XXXX XXXX, that my GAP insurance did not cover the difference between the value and balance on my XXXX XXXX lease. I was told I could " roll in this {$3000.00} difference '' to my new lease. My car payment went up SIGNIFICANTLY as a result, to XXXX XXXX. At the time I thought this was both deceptive and misleading. So, the dealership sells me GAP insurance, and my insurance company gives me a fair amount for the totaled vehicle, but now the dealership that clearly overcharged me for a vehicle ( in the height of XXXX ) says it won't cover the entire lease balance? So, you get to overcharge for a car, sell the insurance, knowing the fair amount paid out by the insurance company will not cover the lease balance, and will be owed by the consumer. Then tell them you are rolling it into a new lease. 

I am surprised this is still happening with the class action lawsuit in place... 

When I went to buy out the car at the end of lease, suddenly I owe this {$3000.00} still and need to " put it down '' to purchase the car and will STILL have a $ XXXX car payment. No one would explain why this GAP insurance did not do what they claimed it would do when I was pressured into buying it. Furthermore, no one admitted to telling me the that the {$3000.00} difference was indeed rolled into the lease. When pressed, the story changed, and they claimed XXXX " wrote it off '' but I still needed to pay this to THEM in order to receive financing to buy the car. I said I needed time to find/transfer this {$3000.00} and they repossessed the car. Now they want the over-mileage charges, plus the {$3000.00} I owe from the deceptive GAP insurance issue and they are negatively reporting me to the Credit Bureaus. My XXXX XXXX from the same dealership, will be my last XXXX I ever purchase.
Product: Credit reporting, credit repair services, 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 confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX {$1300.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 item 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 ) 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 or prepaid card

Jcpenneys approved me for a Jcpenneys Gold Card. My limit was {$500.00}. I paid {$100.00} on my old Jcpenneys card which was the basic red card. The payment was not recorded by the people that was to process my credit card payment. So I was accessed a late fee. I called Jcpenneys after I could not use my Gold Card. and I was told the payment was not recorded. so they decreased my credit limit to under 320.00. all of this happened in less than 20 days.