23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the companies that ran my credit report and they were not willing to help. I need these two inquiries off my report. CNAC Financial and JD Byrider. I have not applied for anything and have not used my social security number on the internet for anything.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING OCWEN MUST NOW DO THE SAME.XXXX, XXXX  XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.
Product: Credit reporting or other personal consumer reports

I am filing against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. sec 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. sec 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts marked inaccurate 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: Checking or savings account

I opened a new checking and savings account with Citi Bank online on XX/XX/20. They were offering a promotion whereby if I deposit {$50000.00} and leave it in the account for 60 days, they will deposit a bonus of {$700.00} in my account. I transferred {$50000.00} into the account and was notified via email that the funds were received on XX/XX/20. I noticed my account was locked ( I couldn't sign in ) on XX/XX/20, and on XX/XX/20 I was informed via a phone call with a Citi representative that my account was being closed. I was also informed that the only way to retrieve the funds was to wait upwards of 60 days to receive a check in the mail. The representative informed me that there was no other way to retrieve the funds and that I must wait. She also notified me that the reason for closure was due to negative history with Citi.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlight several issues with the platform. Despite using Zelle several times my financial institution and Zelle failed to investigate claims adequately. Informed me recovering lost funds was impossible.
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. 

I ask for a reinvestigation of these accounts listed below, XX/XX/XXXX XXXX  XXXX XXXX  # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. 

XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. 

I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ).

I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX XXXX OFF THE ACCT AS AUTH USER : XXXX.
Product: Checking or savings account

XX/XX/XXXX - filed a claim about an unauthorized transaction from XXXX XXXX with Chase claims department due to fraud activity on the XXXX  account. The bank closed the Debit card used for this transaction and issued a new debit card associated with my checking account. The disputed amount was {$210.00} XX/XX/XXXX - The transaction went through with Chase Bank in the amount of {$210.00}. 
XX/XX/XXXX - The transaction in question was reversed by the bank and the amount of {$210.00} was credited back to the checking account. XX/XX/XXXX- received a notice from the bank that the transaction in question was determined authorized by me and will be reversed. XX/XX/XXXX - the amount of {$210.00} was deducted from my checking amount as claim reversal transaction. XXXX - multiple calls to the claims department, customer service didn't provide any feed back, nor was able to explain how to upload evidence from XXXX  confirming fraud activity and that charges were removed from XXXX account. The explanation from customer service was that I authorized the transaction per merchant 's written response. Nobody has given me as a customer an opportunity to explain the situation or upload documents. 
Customer service is very rude and unprofessional, needs more training on how to handle claims, and does not care about customers at all. XX/XX/XXXX - spoke with Supervisor, supervisor confirmed the receipt of my proof that the charges were removed by merchant, re-assured me that the claim will be reopened. The status of the claim has not been changed. XX/XX/XXXX - spoke with another supervisor regarding the refund, explaining the situation - no resolution. XX/XX/XXXX- received another notice from Chase that the transaction was authorized by me. XX/XX/XXXX closed both checking and savings accounts with Chase. The merchant XXXX XXXX can not refund because the debit card has been changed and account closed. Attached are 2 notices from Chase and email from XXXX confirming that all charges are removed.
Product: Credit reporting or other personal consumer reports

This company is stating in complaint the d XXXX fraudulent merrick bank account is not reporting on my consumer report and it is and was also updated XX/XX/year>XXXX XXXX
Product: Checking or savings account

After reading the XXXX XXXX, XXXX XXXX XXXX XXXX article about Capital One Financial 's deceptively low interest rates on existing 360 Savings accounts, I realized that this situation applied to me! 

My longstanding Capital One 360 Savings account, which held more than {$150000.00}, was earning a measly 0.3 % in interest ... while the new 360 Performance account was paying a 4.35 % interest rate. I immediately opened a 360 Performance account and transferred all the money in my 360 Savings account. 

If not for this article, I would not have realized that Capital One had been ripping me off on interest while paying new customers much, much more. I'm irked that Capital One has shorted me, a loyal customer, on interest while offering a lucrative rate to attract new clients -- and that they failed to treat me as well as they treat prospects. 

The statement that Capital One 's retail bank president ( XXXX XXXX XXXX ) provided to the XXXX rang hollow to me : She said the Performance Savings accounts are marketed widely and available to anyone. Well, I had no idea that I could have been earning significantly more interest had Capital One given me the same rate it gave to new customers. 

I'm planning to find a new bank, one that will treat me with more appreciation and respect for my business. 

I'd be happy to provide any additional information you might need. 

Thank you!
Product: Money transfer, virtual currency, or money service

When finishing filing my tax returns with XXXX, I was presented with an offer to receive my refund faster on the condition that I sign up for a " Spend Account '' with Credit Karma. I signed up for the account successfully and was then directed to a finish page. 

The same day I was notified that the IRS had accepted my return. However, I received no such " advance '' as was advertised. 

As a result, due to other extenuating circumstances with XXXX XXXX regarding money they stole from me that was overpaid to them for a mortgage over a week before the closing date of my sale, and also due to what XXXX described in an email as a " technical issue '' making the proceeds from that sale inaccessible, I am suffering financial hardship.
Product: Debt collection

DEAR SYNCB/AMAZON XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am a victim of the recent XXXX XXXX XXXX and Equifax Data Breach and have recently discovered that my personal information has been compromised. This breach has caused significant hardship and has had a devastating impact on my life.
Product: Checking or savings account

I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX  XXXX  said they refunded the money but chime havent given it yet please XXXX you close my account can you write my {$2200.00} check? From my disputes I will attach the XXXX  of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save
Product: Money transfer, virtual currency, or money service

At XXXXXXXX XXXX on XX/XX/year> cashapp sent me a text said said " You've change your security lock settings. A Cash Pin or biometrics is no longer required to move money. '' I was not using the app at this time or at any point during the day prior to this. My account was hacked and cashapp did not protect it. At XXXX {$2000.00} was transfered out of my account and sent to someone I do not know and did not authorize. By XXXX I first knew something was wrong and that I had been hacked, by that point ~ {$2200.00} had been stolen. By that point XXXX unlinked my bank account XXXX XXXX ) from cashapp to stop more fund from being transfered to cashapp and transfered to the hacker. I also turn back on the biometrics and cash pin for movement of money. Cashapp has not provided any information as to how my account was hacked, whether they will return my money, or given me someone to speak to. I did not give away my information or open and links.
Product: Debt collection

When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 3 different collectors so far making it impossible to properly dispute.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Product: Debt collection

I was told by the agent that they hold my debt But the agent could not produce any information to verify my debt.
Product: Debt collection

Dear Commonwealth Financial System After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Student loan

There is no way to communicate with them. I ca n't email them. My online account is alwa ys disabled. And the ir automated response phone system does not work, so calling is hard too. It 's impossible to communicate! Please help! I 've already complained to them about their phone system. No change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - XXXX