23daVinci/CFPB_Complaints huggingface dataset:
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 CFPB lawsuit highlighting significant issues using the platform. Despise 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 infeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.
Product: Checking or savings account

I recently changed computer/browser and was asked by Capital One to confirm my identity. I was presented with 3 questions/challenges pertaining to personal/financial information they would use to confirm my identity. None of the answers matched my identity, however, they did match the identity of another individual XXXX XXXX XXXX, XXXX XXXX who was erroneously added to my credit report by XXXX XXXX XXXX. 
I answered the questions with the alias 's information and was allowed in my account.
Product: Checking or savings account

I tried to send money to my mom in XXXX using XXXX. I accidentally connected my FNBO direct account to the XXXX XXXX account on the FNBO XXXX  website. FNBO directly held my account and told me to reach out to the company. I did call 5 times. The customer care agents just emailed the Fraud department requesting the information and reaching out to me for more information. but no one contacted me. I finally talked to a customer care agent named XXXX who reached out to the Fraud department. he said the investigation would take 1-2 months and I have no access to my money in the accounts. The process of investigation is not able to disclose and I will receive a check after the investigation. I did not know if this was a typical procedure to hold my money for XXXX months for just the simple mistake I made on the website. I would like to ask if you tell FNBO direct to speed up the investigation.
Product: Credit card or prepaid card

Causing people financial hardship during covid I called in XXXX, XXXX and XXXX regarding mine and my sons account. Requesting some relief due to Covid. I was told the only relief they were offering was extending promotional purchases so that your bill was not slammed with interest charges. It was only effective for 30 days and you had to call every 30 days to extend it which I did and they only notated my account for the call in XXXX and they charged me interest charges still in XXXX, XXXX and XXXX in the amount of almost {$1100.00} total which is outrageous with everything going on and they charged my son 's account {$300.00}. So from us calling in for relief instead we {$1400.00} more in debt and they now play XXXX when you call and they you are calling out of the country and I literally stayed on hold for almost an hour while they were trying to locate a supervisor till I just hung up. I will report them to as many people as I have to until they fix this. This is horrible what these companies are doing to people when people can barely pay rent. And I am a XXXX on the front line.
Product: Money transfer, virtual currency, or money service

Experian makes it extremely difficult to cancel their subscription, you get locked out of your account and have no way to cancel without calling which even then they hassle you about it and may not even get it fixed until your keep calling them. Very shady company
Product: Vehicle loan or lease

I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.
Product: Checking or savings account

account XXXX XX/XX/21 180.00 XXXX140.00 XX/XX/21 100.00 XX/XX/21 XXXX XX/XX/21 XXXX my atm card and in my bag with all my documents an dpasswordes and piin numbetrs was stolen and used to gain access to my checking account and use atm without my knowledge i did not authouriaze these transactions and citit bank is flat out refusing to honor the aggrement of my checking account that all unauthorized transactions will be refunded ( and a provisional money given while under investigation ) i was not given provisional money nor refunded these unauthorized transactions! i filed a police report myself as well. regaarding this issue. I want to be reimburesesd as per the agreement when i opened the checking acct.
Product: Credit card

I am writing to notify you that my credit report shows a balance for a Torrid account issued by Comenity Bank that I have no knowledge of. This is a fraudulent account and I request that it be immediately closed and removed from my credit report. 

This is the second instance of a fraudulent account I have found under my name with Comenity Bank. I do not have any legitimate accounts with Comenity Bank and therefore, I request that you close out any and all accounts in my name to prevent further instances of fraud. 

Please confirm that these accounts have been closed and removed from my credit report. Additionally, please provide any information you have regarding the opening of these accounts, including the application details and any transactions made. 


Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

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

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXXXXXX XXXX US EDU/ Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX Remove Immediately I have sent several request.!!
Product: Credit reporting or other personal consumer reports

XXXX ) I have an unauthorized hard credit pull from XXXX XXXX XXXX  inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized hard credit pull from XXXX XXXX on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX na inquired on XX/XX/year> reporting to TransUnion XXXX ) I have a unauthorized credit pull from XXXX XXXX XXXX inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX inquired on XX/XX/year> reporting to TransUnion XXXX ) I have an unauthorized credit pull from XXXX XXXX XXXX reporting to my credit report with XXXX These XXXX hard credit pulls are all unauthorized fraudulent transactions that are reporting negatively to TransUnion as well as XXXX and I would like them erased from my credit report please and thank you.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit card

On XX/XX/2024 BECU credit card withdrew, without my consent, {$110.00} from my BECU checking account to pay their credit card. This account was not 30 days past due, and I have not authorized this transaction. 

Furthermore, I requested that it be returned and this financial institution refuses to return my stolen funds. 

A credit card company and a credit union are to be separate institutions. They should operate separately and should not be stealing funds without authorization from the owner of those funds. BECU stole funds from its credit card customer and applied them to a credit balance without consent of the customer. This is piracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 reporting, credit repair services, or other personal consumer reports

My SSN has been compromised bank account has been opened, hard inquiries, slow inquiries, credit cards and loans, charge offs account that need to be deleted also car loans on my credit report from XXXX, XXXX XXXX Equifax. I need everything off my credit report and consumer report. I received a email about stimulus refund and called the number and reported it a scam I gave my information now everything is going wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking on credit karma and see where this company using my name with a dead collection that I dont know nothing about so can you please delete it for me and remove it from my credit thank you I really appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/year> Unauthorized account on my credit report. I demand this get removed XXXXXXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against ( WF CRD SVC ) for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by January 31st the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If WF CRD SVC has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit card or prepaid card

The Past Due Fees charged by Capital One are usurious. I have been charged this fee 2x in the last 2 months. I called to have a fee reversed and was denied. The concern I have is my balance is at {$62.00}. If I was not charged these fees I would have a {$0.00} balance. 

I believe this is a UDAAP violation because I am being charged interest on fees only and not a " true '' balance and I would not have a balance if it were not due to these outrageous fees.
Product: Mortgage

I submit complaint XXXX, but I entered the wrong company in step XXXX of the complaint. Washington Mutual XXXX XXXX XXXX XXXX  should have been the company name listed in step XXXX, instead of XXXX XXXX XXXXXXXX. I am resubmitting the complaint with the corrected information. 

In XX/XX/XXXX, I entered into a Fixed Rate Loan Modification Agreement with Washington Mutual XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, the Fixed Rate Loan Modification Agreement was paid off by refinancing with XXXXXXXX XXXX XXXXXXXX. The refinanced mortgage was filed by title company - XXXX XXXX XXXX ( now out of business ). XXXX XXXX XXXX did not not cancel the Fixed Rate Loan Modification Agreement in XXXX  ( county ) records and it is still showing active. 

Currently, I am in the process of selling the property, but I can not move forward because of the active status of the Fixed Rate Loan Modification Agreement in the XXXX ( county ) records. 

I need the Washington Mutual XXXX XXXX XXXX XXXX. Fixed Rate Loan Modification Agreement released, so that the sale of the property can proceed. Not having the release promptly resolved puts the sale of the property in jeopardy. I have also attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I got into a fraud transaction with my apple credit card. I disputed the charges they were about over XXXX dollars in fraud. But apple claims that I did make those transactions. And now they wont reopen the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 collection was reported on my account by Midland Credit Management as derogatory mark on my credit report as per XXXX.Upon, further research this account was transferred sold and i am no longer responsible for the account.Creditor did not verify this collection .Also there was NO written form of communication, contract or signature for this accused debt at all.A bill without written signature does not validate the debt and anybody can send a bill and say it's mine.According to the FCRA Midland Credit Mangement has violated my rights as a consumer and i'm requesting legal action to remove/deleted this account immediately from all 3 credit bureaus.