23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.
Product: Debt collection

1. I have never had an account with these companies LVNVFUNDG Account number XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You LVNVFUNDG are the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B  ) ( 3 )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD 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 CFPDs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One on XX/XX/XXXX and spoke with XXXX XXXX ID # XXXX regarding account # XXXX. The information that was given to me by the agent wasn't being reported accurately by the 3 major credit bureaus. 1. ) The opening date isn't properly being reported correctly. XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 2. ) High Balance - XXXX : {$370.00}, XXXX : {$370.00}, XXXX : {$0.00}. 3. ) Last Date of Payment - XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 4. ) Missed Payments - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 5. ) Credit Limit - XXXX - {$300.00}, XXXX- {$300.00}, XXXX- {$0.00}. 6. ) Minimum Payment : XXXX - {$35.00}, XXXX- {$35.00}, XXXX- {$35.00}. ) Past Due : XXXX - {$0.00}, XXXX- {$0.00}, XXXX- {$0.00}. 8. ) Date of Last Active is reporting inconsistently. XXXX - XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX 
THE INFORMATION THAT I JUST PROVIDED YOU IS REPORTING INCORRECTLY ON MY CREDIT REPORT. 
XXXX XXXX ID XXXX provided me with information that doesn't compare to what the credit bureaus are reporting. The Opening Date is XX/XX/XXXX, The High Balance is {$370.00}, Date of Last Payment is XX/XX/XXXX, Credit Limit {$300.00}, Minimum Payment is {$25.00}, Past Due {$85.00}. Missed Payments XXXX, XX/XX/XXXX. The Date of Last The Credit Bureaus aren't properly reporting accurately and consistently. 
HOW IS THIS EVEN POSSIBLE. The credit bureaus get the same information from the same creditor, but some how aren't reporting accurately. Something has to be done immediately.
Product: Credit card or prepaid card

Comenity Bank is not helping me resolve this matter and when I was asked to call, I can't get through because I no longer have this card ( I cut it up after paying off ) and I am lost in a sea of automated voices. 

In XX/XX/2020 I paid this credit card in full and did not use it since. In XX/XX/2020 I was charged for some " club '' that I did not want or authorize and it was for a sister brand of this store card. The amount was {$19.00}. Shortly after that I was charged a {$19.00} late fee. Then I was charged the minimum finance charge of {$2.00}. Then the following month I was charged {$35.00} in late fees and another {$2.00} totaling {$77.00}. 

I did not receive any indication from Comentiy that I had any balance - that is until XXXX XXXX  emailed me to tell me I had an over 60 day non payment entry on my credit report. I logged into XXXX XXXX and could not find anything over due. About a week later an unidentified phone number who did not leave any message. I googled the number and found that it was XXXX. I then attempt to log into XXXX and found the above situation. To recap : Charged for some club I didn't join, was charged numerous fees and finance charges yet did not receive a SINGLE notification from Comentiy that I owed anything. When 5 months later they finally call me NO MESSAGE! I wasn't even offered the opportunity to pay or dispute this before they reported me to the credit bureaus and these charges are growing every day. 

I contacted them through email and was told to call them, I call them and can't get through to a human, emailed again and I'm back to the start. Can someone help me resolve this? I should have canceled these store cards once I paid them off but didn't want to hurt my credit score. Little did I know it would be ruined by them anyway. I pay my bills and had I known about this charge would have resolved it immediately not 4 months later. I feel strongly Commenity bank operates under unfair and deceptive business practices and this is certainly not the first time I have had billing/fee issues with Comenity. I have lots of credit cards and none of them let someone rack up charges without telling them then report them to the credit bureau. XXXX will call you if you are a week late on payment! 

Please help me resolve this.
Product: Credit card or prepaid card

I work in healthcare and I work XXXX hour shifts I got off of work at XXXX that evening I got home and proceeded to pay my credit card bills so I went to make my payment and I was getting the prompt that my bill will be overdue because its going to be now processed on the XXXX. Although I am paying it at XXXX XXXX  central time. I proceed to process my payments and then I called in to the company and I talked to a representative. The representative tells me that they dont show any fees but that does not mean that they wont show up tomorrow and to call back tomorrow to get them removed. The representative told me she put a note on my account. ( called back tonight and they say they dont see a note ) I called back this evening after I got off another XXXX hour shift and I am told that my fees can not be waived because they did one prior in XXXX. I proceed to let them know that is not right that I processed a payment on the XXXX which was my due date and because of their rules that it being made after XXXX PM Eastern time which means a XXXX XXXX XXXX for anybody that makes payments after those times are going to be assessed late fees which I feel is wrong in so many ways. They see that I processed my payment on the XXXX so why they would do this to customers and not make it right is beyond me. I have other credit cards that dont have times in place to where a customer will be penalized. I have XXXX credit card accounts and they both are due the same day for capital one. So I have XXXX late fee amount that have been put on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I received an email from XXXX XXXX  stating that my credit score went down XXXX points because of a late payment to Loan Care LLC. I have never had a late payment on my credit. I called Loan Care and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through XXXX XXXX Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called XXXX XXXX XXXX  and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from Loan Care about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by XXXX XXXX it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by XXXX XXXX that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to Loan Care and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

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

ATTENTION EQUIFAX! 
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRIES! 
XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request an investigation of the following accounts I have NEVER opened or used the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX and the unauthorized inquiries
Product: Student loan

I have attempted to lower my payments several times and have been told I have no options. When I am late I receive emails to contact them so they can help me. When I contact them, I am again told there are no options for me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Additional Inaccurate Information, Late Payments, and Unauthorized Inquiries on TRANSUNION Consumer Report Dear CFPB, I am writing to dispute additional inaccuracies, late payments, and unauthorized inquiries appearing on my TRANSUNION consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Additional Disputed Account/s, Inquiries, and Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. 

Furthermore, under 15 U.S.C. 1681e ( b ), XXXX has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. 

Attached is my attached XXXX consumer report. 

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 

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

On XX/XX/23 i sent a dispute letter to all three credit reporting agency, i haven't received response yet, on XX/XX/23 i sent my 609 letter with no response, on XX/XX/23 i sent a 30 day comply letter with no response, on XX/XX/23 i contacted the CFPB and the company responded with no results, the inaccurate accounts is still reporting, on XX/XX/23 i sent my FTC REPORT as i am a victim of identity theft and none of the accounts and addresses belong to me, i have address this matter several times with no repsonse. This has been an ongoing issue with no resolution.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report as permitted under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Additionally, I am asserting my rights under the Consumer Financial Protection Act ( CFPA ) to ensure fair treatment and compliance with federal law. 
The information below is incorrect, and I request that it be investigated and either corrected or removed promptly : Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Account Name or Creditor XXXX XXXX XXXX XXXX  Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX  Account Name or Creditor : XXXX XXXX  Account Number ( if applicable ) : XXXX Account Name or Creditor : XXXX XXXX  Account Number ( if applicable ) : XXXX
Product: Credit card or prepaid card

I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Product: Checking or savings account

I was XXXX  at XXXX and released XX/XX/23. It takes at 2 months to even get into a DPS station for an ID. I was given a XXXX ID which is accepted by the state of Texas everywhere,, except for Capital One. This afternoon I spoke with a woman name XXXX  Employee ID # XXXX, Call Reference No XXXX who stated that this form of ID is not " acceptable. '' I can not even change my telephone number or access my bank account These people are rude, harsh and unprofessional and obviously inhumane.
Product: Checking or savings account

A number of transactions to place on my account fraudulently and the bank failed to properly investigate the matter, and I believe that no investigation has even been made at all because if the bank would have just looked at the ATM camera footage, they would easily come to the conclusion that it could not have been me that conducted or authorized charges Ive been A customer of Wells Fargo bank for over 30 years and then all that time Ive only ever submitted one claim. Also, if the spending patterns been compared with my own, it would clearly Evident that these transactions were indeed fraudulent. Speaking to a representative at the second level in the claims department, the representative could not even tell me how it is that they had come to the conclusion that those fraudulent transactions have been authorized by me. Wells Fargo Is just refusing to pay the funds. The bankers failed to investigate this matter properly, failed to reimburse me in the amount of the funds that were taken, Failed to protect its customers when these Types of incident take place. It even the slightest amount of due diligence had been done in this matter. It would be more than obvious that these transactions were fraudulent and Unauthorized, I should have been refunded the money that was stolen from my account. The bank found that the transactions were authorized and denied my claim and refuses to reopen the claim and further investigate. They refused to send me the evidence in this matter Including atm camera footage And any other evidence
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accountsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( a ) of the FCRA -they are required to " ... Promptly delete all information which can not be verified. '' that i have disputed. 
Please resolve this manner as soon as possible. 
Thank you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS