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

I am writing to formally express my concern regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite utilizing Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and it has been discharged for 3 years. Bank of America will not update their records regarding this nor will they report to the credit agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Product: Bank account or service

From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?
Product: Credit card or prepaid card

Last XX/XX/2018, my credit card limit was only {$1000.00} plus the interest of about {$100.00}. I had used my credit card limit of {$1000.00} only plus the interest of approximately {$100.00}. In XX/XX/XXXX, I could not pay the full amount of interest. Then at the end of the month XX/XX/XXXX, Wells Fargo decided to charge my credit card of approximately {$2500.00} out of nowhere. I called customer service in mid XX/XX/XXXX, spoke to a XXXX, who was of no help. He could not explain the jump of {$1500.00} added on my {$1000.00} credit limit. And every couple of weeks or so, {$100.00} was added and it keeps adding. In mid XX/XX/XXXX I spoke with a couple of women on the phone, last XX/XX/XXXX and XX/XX/XXXX, who kept telling me that I had a credit limit of {$2500.00}! I explained my credit card limit of was {$1000.00}, it made no difference to them. They said that I had charges of {$2500.00}. I asked to send me the so called charges. They sent confusing pages of mostly charges and fees. Then recently last XX/XX/XXXX, I spoke to another Wells Fargo representative, who could not help me because he didn't know what to say. I'm wondering if they mixed my account with someone elses account. My credit card account was closed about five months ago. But Wells Fargo keeps charging my closed account with fees and charges. Now, my credit card has a balance of {$3000.00}! Now, I have {$2900.00} in charges that I do not owe. 

I am a senior citizen on a fixed income and I would never agree to a {$2500.00} credit limit. I only agreed to a {$1000.00} credit approximately over three years ago. So either Wells Fargo is having a computer glitch, my account was switched with another account, or I am the victim of identity theft.
Product: Credit reporting or other personal consumer reports

Experian and transition MUST report the account with XXXX to be reported as paid as agreed with no late payments in accordance with the corrections in which XXXX also made on my credit report. If either of these bureaus feel as if this is a request they are not able to fulfill, I request for them to include the laws they are basing their decision on as well as informing me in writing of their decision by a human and not a computer generated letter within 6 business days of opening this complaint. I have embedded evidence that XXXX corrected the issue, all I am requesting is the other reporting agencies perform the same in the name of uniformity in credit reporting and maintaining fairness in the use of credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit card

Dear CFPB Officials, I am writing to formally address the complaint I filed regarding the Apple Card promotional bonus of {$100.00}, which I have not received. My application for the Apple Card was completed on XX/XX/year>, after receiving an invitation link from a friend. However, Goldman Sachs Bank has claimed that my application was submitted on XX/XX/year>, a statement I believe to be unfounded and without proof. They try to argue that I did not submit the application on the promotional period to mislead the official of CFPB. I have submitted this case before ( complaint ID XXXX ) but it was not properly solved. 
Despite my repeated attempts to resolve this matter directly with Goldman Sachs, I have encountered an endless cycle of requests for the promotional link screenshot. Each time I provide the requested documentation, I am informed that they will build a case, only to be asked for the same evidence again in subsequent communications. This lack of resolution has led me to believe that Goldman Sachs is evading responsibility for honoring the promotional offer. 
Furthermore, the assertion that I applied prior to the promotional period appears to be based on fabricated evidence intended to mislead your office. It is deeply troubling that a reputable institution like Goldman Sachs would resort to using false information in an attempt to undermine my legitimate claim. This behavior not only affects individual customers like myself but also undermines the trust and integrity of the CFPB process. 
I can provide supporting documentation, including my XXXX credit report, which clearly shows that my Apple Card was opened on XX/XX/year>. Additionally, I have the screenshot of the invitation link from my friend, which explicitly states, " you received an exclusive Apple Card invitation from my friend. '' I respectfully request that you review my case thoroughly and take into consideration the evidence I can provide. I urge you to look beyond Goldman Sachs ' misleading claims, as they seem to be attempting to cheat the officers of the CFPB. 
Thank you for your attention to this matter. I look forward to the response and will continue to pursue this issue until it is resolved satisfactorily. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Creditors Discount & Audit. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

The following inaccurate accounts are still being reported : XXXX, account number XXXX, reporting balance of {$880.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$2100.00} ; XXXX XXXX  XXXX account number XXXX, reporting balance of {$760.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$1000.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$10000.00} ; XXXX XXXX XXXX, account number XXXX, reporting balance of {$220.0XXXX XXXX XXXX, account number XXXX, reporting balance of {$0.00} ; XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX balance of {$970.00} ; XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX balance of {$1200.00} XXXX XXXX account number XXXX, reporting balance of {$620.00}.

Additionally, the following unauthorized inquiries remain on my credit file : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect personal information must also be corrected. My report incorrectly lists my name as XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Additionally, incorrect previous addresses include XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX. These inaccuracies must be immediately corrected.
Product: Debt collection

Unwanted frequent calls. When answer they hang up. XXXX ( XXXX ) XXXX Spoke with a gentleman asked them to remove my number. He kept asking for my personal information. They continue to call.
Product: Credit card or prepaid card

I opened an account with XXXX in XXXX of last year when I purchased multiple electronic devices including a new mobile phone and smartwatch. 

When I signed up for my account, I was advised that financing would be offered via XXXX. However, I always received an error when I tried browsing to that site. I was never provided clear instructions on how to make my payments, nor was I given fair notice that I was being delinquent and at risk of being reported. It was not until after a missed payment report to the credit bureaus was filed that I was finally contacted and advised to make payments via XXXX. 

I have called and emailed both XXXX and the TDBank-sponsored financiers regarding this issue and requested that they retract the delinquent report, but keep getting nowhere. My last call today basically told me they can not /will not help. My credit history had an impeccable record until this single, unfortunate incident, which has caused my average score to drop almost XXXX points.
Product: Checking or savings account

I am submitting a second complaint due to a new and separate issue arising from my prior interaction with First Tech Federal Credit Union. After filing an initial complaint ( which referenced a denial of membership despite valid ID ), First Tech responded via the CFPB portal on XX/XX/year>, stating that I may have been the victim of fraud.

This claim is false, unsupported, and extremely damaging. At no point have I submitted fraudulent information, nor has any financial institution ever flagged my identity in this manner. First Techs statement is viewed as a retaliatory misrepresentation meant to avoid responsibility for their prior failure to follow proper identity verification procedures.

Their new response appears to violate : FCRA 615 ( a ) Improper and deceptive explanation of adverse action FTC Act ( 15 U.S.C. 45 ) Unfair or deceptive acts or practices Potential defamation and reputational damage through false implication of criminal behavior
Product: Debt collection

Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.
Product: Credit reporting or other personal consumer reports

I asked transuion to provide verification that I owe XXXX  XXXX XXXX XXXX  this fraudulent amount of ( {$3100.00} ) I never signed a lease agreement with this amount. Its been well over 90 days and I have still not heard from transuion or XXXX XXXX XXXX. I have all of my rental payment receipts. Transuion refused to remove XXXX XXXX XXXX and also fair collection and out source agency. The information that is being reported is inaccurate and fraudulent. Please have this resolved by removing off of my credit profile ASAP. I have attached all my rental payment receipts and lease agreement.
Product: Credit card or prepaid card

Our solar panel installation company offered a {$500.00} gift card if a referral was made to another individual and that individual also purchased panels. 

I made the referral, the individual purchased panels and Omnicard.com, on behalf of the the solar company, sent me a {$500.00} prepaid card in XX/XX/XXXX. 

The prepaid card, from Omnicard.com, came with a one year termination, XX/XX/XXXX. We did not get a chance to use the card so asked for the date to be extended. The prepaid company said they would not extend it and said the card was now expired with funds forfeit. 

When I pointed out that Massachusetts and Federal law prohibits a 1 year timeline, they responded saying " The card that was given to you is not a prepaid or credit card but a reward or promotional gift card, loyalty, award or promotional gift cards are not subject to extending expiration dates. Your card expired on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. ''
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediatelyXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$570.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$2000.00}.