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

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPD lawsuit highlight 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. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes over the year to Experian that they have my bankruptcy listed incorrectly and they need to remove it. Every time they come back with the company that does the investigations for them says it is confirmed and it will be updated and stay on my report. However, they do n't do any updates and keep the same information. The whole problem is that they have me down as filing bankruptcy for {$0.00} when I filed for a lot more then nothing. I have sent them documents and still the same results. I am about to file a law suit if they do not take it off. The other two credit bureau 's have followed suite and removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX  XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with XXXX XXXX and Transunion credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Product: Checking or savings account

I have a checking account with US Bank where I have maintained a balance of {$25.00} for the last few years. Under the terms of the account, the monthly account maintenance fee of {$14.00} is waived. 

Starting XX/XX/year>, a service charge of {$5.00} was applied each month until I noticed it in late XXXX 2024. I was charged a total of {$20.00} over the 4 months. When I called to enquire about this charge, I was told that my account was dormant, and the $ XXXX was the charge for a dormant account. I asked them to reactivate my account, which they did, thus avoiding further charges. However, they said they could not reimburse me for the {$20.00} already charged, even though I had not received any advance notification for my account being deactivated, nor about the corresponding service charge. 

My complaint is that I was not informed in advance about this dormant service charge, so I should be reimbursed the {$20.00} that was taken from my account. 

Possibly they do this with many other customers, netting then a significant amount in junk fees.
Product: Debt collection

I received a aggressive, frightening and threatening notice from the company XXXX XXXX XXXX XXXX this week. Its some kind of fishing attempt to extort money from me. My first name is mis-spelled. And they claim that I owe {$1000.00} to XXXX XXXX XXXX. 

I do have a XXXX XXXXXXXX XXXX credit card ( a brand new account opened in XX/XX/XXXX my limit is only {$400.00} and my name is spelled correctly ). 

This " fake billing '' has nothing to do with my current/new account with XXXX XXXX XXXX Account. 

My husband just bought a house in XX/XX/XXXX. And this is the second fake fishing expedition " bill '' we've received in oddly a version of my name only. Like they are trying to attack the wife/spouse? I cant remember the supposed name of the creditor in that first fake billing sent -- to our old address, and we don't have it either, but it was some place I have never done business with. 

Furthermore, we haven't had any credit cards since the year XXXX,XXXX, XXXX. And we filed a Chapter XXXX in XXXX and then a Chapter XXXX from XXXX to XXXX when it closed. We were unable to get any new credit until the year XXXX. 

We have just been able to repair our credit rating after 7 very long years, and now this type of XXXX starts to " show up '' attacking us. 

We find it extra fishy that they claim to represent XXXX XXXXXXXX XXXX ... .and I just opened a XXXX XXXXXXXX XXXX account in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/19 I received a notice from XXXX XXXX XXXX that my car payment had bounced. I know that there was plenty of money in that account. I called XXXX to see what was going on. They informed me that Bank of America had frozen my account. This was news to me. 

I called Bank of America to see what was going on as I had received absolutely zero communication about this. They informed me that I, the person that opened the account and the only person who uses it, was not authorized to even find out why my account was frozen. My wife, who is on the account but has literally never used it, had to call a number that the BoA rep gave me and give the reference number. 

My wife calls the number, that I verified with the BoA rep, and gets something about cruise lines. I dont know if that was some prank by the BoA rep but Ill move on. My wife then calls the main BoA number and gives them the reference number. They are unable to find this. 

After another hour or so of my pregnant wife calling seemingly every published number for BoA we get to the bottom of it. Bank of America froze my account causing my car payment, student loan payment, and BoA credit card payment to bounce. All because they could not verify an address for my wife. 

My wife knowing that there are protocols and legal requirements in her own field concerning due diligence regarding contact attempts asked what steps BoA had taken before freezing my account. The astoundingly unacceptable answer was that they had sent one letter to this unverified address. No calls, no emails, not even a second letter to the verified address that every other piece of correspondence from BoA goes to. 

In summary, Bank of America froze my account causing payments to bounce incurring late fees and affecting my credit score for the dumbest reason imaginable. This in itself Im not even that bothered by. They might have a good reason. They probably would say that Im not allowed to know why but Ill give them the benefit of doubt. What is so egregious is that they made almost no effort to contact me and the only way I found out that anything was wrong was from a different company altogether. They have my address, phone number, email, even my social security number. They can contact me easy as can be. They made the choice not to. This is wholly unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
I do not recognize XXXX XXXX XXXXt According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : FST PREMIE Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Checking or savings account

I opened an account that had an annual fee ( XXXX XXXX XXXX package ) that paid for additional benefits for the account. After only 1 month of inactivity, First National Bank of PA closed my account due to inactivity while there was also still an ongoing open support ticket that directly related to the balance of my account. I called in multiple times and received conflicting information each time. One time I was told it was due to a XXXX balance ( despite the open ticket that was related to a fee that brought it to that balance ). Another time I was told they meant to close an older account opened years ago but closed the new account by accident ( I had closed the older account years ago but somehow they never followed through on closing ). 

They then used all of this as rationale for denying me the checking account bonus offer that I opened the account with, stating that the account was not in good standing due to a fee ( the same fee that still had an open ticket to look into the cause as I believed it was in error ). 

Lastly, they refused to pro-rate the annual fee I paid for this account, despite closing the account and denying me of the benefits I paid for. 

During all of this, I spoke with XXXX at the XXXX branch who was helpful at first when looking into the fee that was charged in error but then after the account was closed, was one of the multiple parties providing conflicting info and refusing to provide a satisfactory or fair resolution.
Product: Checking or savings account

I have been in touch with US Bank for several months regarding refund disputes with companies such as XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. These companies have failed to send me the refunds owed to me. 
Initially, the charges were credited to my account, but they were later reversed. As a result, I stopped making deposits, which led to my US Bank account becoming overdrawn and pending closure. I sincerely believe that US Bank didnt properly investigate my refund claims. It is crucial for US Bank to address and rectify the issues with my account before it is closed, as this could potentially cause future problems for me with organizations like XXXX XXXX.
Product: Checking or savings account

On XX/XX/23 there was an external transfer from my bank ( PNC ) for {$2000.00} to an online checking account ending in XXXX with XXXX. I have filed two disputes with PNC and was denied both times. I also contacted XXXX XXXX  and they told me there was no checking account ending with those 4 digits. The thief also tried to transfer {$800.00} but I was able to cancel that transfer in time. I am extremely frustrated and I have done everything in my power to get my money back but PNC seems to not care at all. They give me inadequate reasons as to why my dispute was denied.
Product: Debt collection

This is the second company trying to falsely collect a debt stating I owe, two different amounts. I asked for a validation of debt but never received anything. It's been passed 30 days and this company is still emailing me with no proper documentation I requested. No contracts with my signature on it. This is the second company with a different amount claiming I owe.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I previously opened a complaint with this company with your office. They stated in their response that the debt had never been deleted, and that they had a statement with the original creditor and balance. 

When they sent me the requested documentation, I found that the " statement '' was nothing more than some unidentified screenshot with no information. 

They also lied on their response saying that account ending in XXXX had never been deleted. Id had indeed been deleted previously, and I am submitting documentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my 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 Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$260.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXXXXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Mortgage

XXXX XXXX XXXX XX/XX/2021 FAY SERVICING SENT ME A NOTICE TO FORECLOSE ON MY HOME. THE LOAN WAS SOLD TO THEM 2 MONTHS AGO BY XXXX XXXX MORTGAGE WHO HAS SERVICED THE LOAN FOR 10 YEARS. DURING XXXX, XXXX XXXX THE PROPERTY WAS UNDER FORBEARANCE PLAN UNTIL 2 MONTHS AGO WHEN FAY SERVICING TOOK OVER THE LOAN. 

XXXX XXXX TOLD US THAT AT END OF THE FORBEARANCE, THE ENTIRE AMOUNT WILL BE MOVED TO THE END OF THE LOAN AND I AGREED. 

2 PAYMENTS HAVE BEEN MADE TO FAY SERVICING BUT I TRIED TO MAKE PAYMENTS AND ACCORDING TO THEM THEY CAN NOT ACCEPT PAYMENT BECAUSE THE HOUSE IS IN FORECLOSURE. THEY HAVE BEEN HARASSING ME AND IS AFFECTING MY HEALTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX  and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX {$530.00} original creditors XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX $ XXXXXXXX XXXX XXXX bank.XXXX {$00.00} XX/XX/XXXX.