23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had an account with Regions for over 20 years. A Free account ; when I lost my job 5 years ago I was told as long as I had XXXX deposited into the account it would be free. 
I have been charged for this account {$3.00} and {$8.00} here and there for a FREE account. I have been with Regions for over 20 years ; this past XXXX they started charging NSF fees on pending transactions ; which I have never seen. I was always told that they do not do that in order to give you a chance to deposit money into the account. I went back and forth and every agent agreed with me, but because Regions put a block.. I was told no one could correct it even though they could see it was not my error. I finally filed a claim and the bank returned my fees after months of fighting. Finally my account went in the negative over a bank monthly fee. For the banks fee i was charged a {$36.00} NSF charge, and as long as I have had an account.. that has never happened even if I did not have the money to cover the fee. The young lady gave me the {$300.00} fee back, but I'm still left with the {$36.00} I told her I was closing my account because this is absurd. Now here we are again with Regions has been getting over on these fees since the pandemic. I am one of the ones that has been out of work due to the pandemic, and recently ill from XXXX. Here recently they charged me for XXXX NSF fee charges, but only XXXX item overdrafted my account. Then I was charged another {$72.00} for XXXX items that were covered by my deposit. I have a record that shows I had a {$440.00} deposit on the day they charged me the {$72.00} ; that should not have been. I'm still recovering and trying to stay on top of my affairs when I was sick.. still sick ... no compassion from the bank, and their ledger shows something different from what mine shows ; that they provide for me/consumers to see, but it's different so they can charge up these fees. I want my fees reimbursed and the block lifted from my account. Per your agents who said it's a bank error ; stated they could not do anything because of it. I feel like the block was out in for retaliation from a branch manager at the XXXX location, because I went above her. I just want my fees back and I will leave your bank because I feel they do not want me as a customer. Because of this ; it has put all of my bills out of sync with these fees they process as they want but differ from the ledger on online and app banking so they add what they want. So I will probably incur more fees because I didnt account for them adding fees when there is an actual deposit ... so if I incur anymore fees due to the current situation. I want those reversed as well
Product: Money transfer, virtual currency, or money service

I am writing to 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 investigate 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. This leaves users more vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

-Unauthorized accounts on my credit profile - Reporting late payments and these accounts are not mine.

- Reporting late payments and I have never been late - information they are reporting is inaccurate - Accounts were opened by someone else identity Theft. 
- Accounts need to be closed and removed from my account.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX Sent funds to a XXXX user for XXXX . These funds were sent in exchange for concert tickets. 
Concert tickets were not sent, and I attempted to reach XXXX user XXXX. After sending the funds, and never receiving the tickets. I contact wells fargo and XXXX. 
XXXX Sent an email to XXXX  , and opened a case XX/XX/27 at XXXX Called XXXX to report the user, and  receive the funds back. XXXX told me to contact my bank ( wells fargo ) XX/XX/27 at XXXX Called wells fargo, after opening a dispute case. Wells fargo said that they were unable to dispute my transaction, and that I needed to contact XXXX. 
XX/XX/27 at XXXX Called back XXXX and they then again referred me back to my bank. 
XX/XX/27 at XXXX Called Wells Fargo one last time in hopes they could assist me, received the same response Neither companies were able or willing to help me. XXXX did not even take action on a user collecting funds from an individual who doesnt provide the product. Now I am out XXXX , and did not receive the product I was looking to purchase, and had no help from either company.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that has appeared on my credit report. After reviewing my credit report, I noticed an inquiry from [ Creditor 's Name ] that I do not recognize and did not authorize. 

Details of the disputed inquiry : Creditor/Company Name : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) , I have the right to dispute inaccurate information on my credit report . I did not authorize this inquiry, and I believe it to be either a mistake or a case of identity theft. As such, I kindly request that you investigate this matter and remove the disputed inquiry from my credit report. 

To assist with your investigation, I have enclosed any supporting documentation related to my dispute, including a copy of my credit report showing the inquiry in question. Please notify me in writing once the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

The company has reported erroneously to the credit bureaus that I was late back in XXXX of 2022. I have provided proof to the company of my on time payments and they refuse to remove the entry. Please have this issue rectified as it is the only late payment entry in my credit report with this company.
Product: Checking or savings account

My request to close the account and release my funds has not been honored. The money has been sitting there. XXXXXXXX XXXX has restricted my account since I opened it. They send a debit card that I can not activated nor used to get my funds. I have requested that they closed their account and return my money. It has been more than XXXX. I have received several overdrafts fees and late payments in my attempts to retrieve my funds from this account. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. None of them have been able to release my money They all replied with the same thing, They will get the request processed. They have not released my money yet
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to poor customer service and inadequate and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ), Cash app has failed to take timely measures to prevent fraudulent transactions on their platform leaving my account and personal funds unprotected, the dispute resolution process was deceptive and unfortunate they did not comply with error resolution requirements under ( EFTA ) Electronic Fund Transfer Act and Regulation E. Failure to comply has resulted in financial loss and huge inconvenience. I am seeking compensation.
Product: Debt collection

In XXXX of XXXX this debt was written off by sprint, they allowed someone to get a new phone on my account whom i did not know or have any association with. The XXXX company was in the middle of being bought out by another company and i spoke with them and this bill was written off because it was fraudulent. Now the collector Jefferson captial systems is claiming this debt was opened on XXXX to the credit bureaus and this is not true, this debt was written off and the original date for this debt was XXXX not XXXX it was written off by XXXX in XXXX. I do not owe this debt and would like it removed from my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company, XXXX XXXXXXXX XXXX, is reporting inaccurate and incorrect information to my consumer reports XXXX, XXXX, and Experian. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.
Product: Debt collection

I have attempted to get all three credit bureaus to reinvestigate my account and to send me the information I had requested after they investigated. They would send me letters back stating verified every time I have tried to dispute this account due to in accuracies. 

I have sent this letter asking for this information and have not received it.
Product: Debt collection

On XX/XX/2017 someone used my information to get XXXX. In the year 2017 I have lost my wallet and had to regain everything back. It shows on my credit that there's a balance of XXXX owed to XXXX. Please removed from my credit that is effecting me very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency XXXX delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$60.00} on XX/XX/2022 via " Cash App '' to a restaurant owner with the handle " XXXX '' for payment for food. After I made the transaction, I was told by the restaurant owner that she doesn't have access to the cash app account to refund me the money. I tried reaching out to Cash app around that time to explain that I needed a refund on a transaction due to the vendor declining access to her cash app account. Cash app told me that they were unable to issue refunds once the transaction was completed and told me that the restaurant owner would need to contact them and state the issue. I spoke with XXXX XXXX directly and she never corrected the issue. I also brought this to cash app 's attention in XXXX of this year, still no resolution.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX somehow managed to guess my XXXX password and add him/herself to my XXXX family XXXX Then XXXX proceeded to send XXXXXXXX XXXX XXXXXXXX gift cards back to them using money from my account. I was sent a fraud email from Wells Fargo and immediately called them and canceled my card and then changed my XXXX password, removing XXXX in the process. Not before about XXXX dollars was taken from my account. Then I filled a claim with Wells Fargo, and after a month received a letter saying that the transactions were made by my or someone with my permission, which is strange considering they sent me an email suspecting fraud in the first place. I called Wells Fargo again to ask about it, and they simply told me my claim was closed.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to report fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me, causing significant distress. I have taken immediate action to report this as identity theft. I kindly request your cooperation in investigating and removing the fraudulent information from my credit report and other records. I am willing to provide evidence and take legal action if necessary to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. Thank you for your assistance in resolving this promptly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) for inadequate customer service, and unfair practices. which violates the Consumer Financial Protection Act. ( CFPA ) Specifically cash app failed to take time and and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Refularion E.These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I could add money on the XXXX card and then load the money to my XXXX account for my daily spend. But I did not notice the pin has already been scratched when i purchased this card and in this case the money load will directly go to the first purchaser who originally scratched the pin and loaded some money. And this happened at the XXXX store.After I went home, I found that the pin was scratched and called XXXX card and I immediately called XXXX to file a dispute. They have identified that it is a fraud and has requested XXXX to suspend the XXXX account of the original purchaser of this card and instructed me to file a police report to further get my money back. 
After I filed the police report and the officer who was in charge told me that he contacted XXXX and XXXX told him they would not disclose any info unless there was a subpoena. 

Again, I filed a dispute regarding this with my XXXX card which I used to make the purchase but it was denied due to the documentation provided by XXXX that it was activated. Yes, it was activated but the money went to the theft who put the used XXXX card in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS WEB SITE NOT COMPLYING TO ACQUIRE REPORTS!!
Product: Credit card

follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.
Product: Checking or savings account

My checking account showed that someone withdraw my money with an amount of {$86.00} and it occurred another {$3.00} non-bank-of-west ATM fee. 

The transaction was completed on XX/XX/2022 in XXXX XXXX XXXX CA. I was able to confirm this fund was not by me ; because at that time, I was in XXXX, Hawaii. 

They simply told me they have investigated and because the transaction was approved with PIN, but everyone know there's a lot of fraud POS machine in some store can make a copy and stores PIN.

I have tried to reach the fraud department with Bank Of The West and filled the claim form. After faxed them for about a week, they mail me an notice with decline on my fraud claim. 

I would also attach all my proofs and my physical non-in-state proof that I wasn't in California, so that transaction couldn't be made by me. 

I have attached the letter I have received from the bank, also my flight confirmation, the State of Hawaii Safe Travels to proof that I was out of state and the transaction wouldn't be made by me. 

In the State of Hawaii Safe Travels page, you'll see " Screened : Yes '' and that means I was physically attended to the flight at the airport.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance {$320.00} ; XXXX XXXX XXXX Balance {$73.00} ; XXXXXXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  XXXX XXXX ) XXXX  Balance {$120.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX  ) XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$3100.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.