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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent XXXX 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 XXXXXXXX XXXX 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I am complaining today about the Coinbase Debit Card. On XX/XX/19 I had a charge declined for my gym ( " XXXX XXXX XXXX XXXX XXXX '' which is XXXX XXXX XXXX ). The charge was declined and my card was temporarily suspended due to suspicious activity. I have tried to get the card reinstated with various telephone calls and emails. All my cases are closed and I am told that that they will not reopen my card. 

In their last email to me they said " We acknowledge that you may be wondering why your card was blocked or which transaction violated the agreement, but we are unable to provide any information due to security concerns. '' However, under their terms and conditions, outlined below, they should tell me why this happened. 

Found under Section 1.18.7. 

" If Card Transactions, your Card use and/or any or all Coinbase Services are restricted, suspended or terminated in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' I did not violate any of their agreements. The XXXX charge seems to have triggered something to cause my account to be blocked. I would very much appreciate my card being reactivated and am only appealing to the CFPB as a last resort after exhausting all other options. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company XXXX XXXX XXXX. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called XXXX and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

Pleased remove all fraud alerts and extended fraud alerts TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY 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 XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Checking or savings account

According to a rep by the name of XXXX with Wells Fargo, two checks issued to myself, sent to old address after I moved in XXXX of 2020 appear to show cashed, in which case they were not cashed by myself. The check amounts not including estimated IRS taxes are {$3700.00} and {$500.00}, issued after I moved, prior Wells Fargo reps refer to address provided as verified and refused to investigate further. Verifying address is not a release from funds owed by Wells Fargo. Further, a signature was required for package with check re-issue, according to XXXX XXXX, rep I was working with at the time. I believe it was supposed to be sent via XXXX, I have not received anything from XXXX since moving on XX/XX/2020, did not sign for anything. A prior Wells Fargo rep, XXXX, refers to signature release which is contrary to what XXXX said. There is no such release.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. XXXX  XXXX : COMMERCE AND TRADE XXXX XXXX XXXX XXXX CONSUMER CREDIT PROTECTION / XXXX XXXX : CONSUMER CREDIT COST DISCLOSURE 15 USC 1681a Definitions ; rules of construction. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX  XXXX : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. XXXX  XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. XXXX  XXXX : COMMERCE AND TRADE / XXXX  XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX  : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. XXXX XXXX : COMMERCE AND TRADE / XXXX XXXX : CONSUMER CREDIT PROTECTION / XXXX XXXX : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. XXXX  XXXX : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ XXXX XXXX : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00}
Product: Debt collection

I am in the process of disputing certain things on my credit that were the product of identity theft. The company that bought one of the debts is calling me nonstop, have started contacting previous places I worked at that showed on my credit about this debt, they are contacting family members associated with my information as well. The aggressiveness borders on harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several requests to have inaccurate hard inquiries from XXXX XXXX XXXX XXXX removed from credit report dated XX/XX/XXXX and XX/XX/XXXX. XXXX  has acknowledged the inquiries are inaccurate and performed their due diligence by removing the inaccurate inquiries per FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 ) ( 1 ) 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

On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Experian. Experian has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXXXXXX XXXX. This action has caused negative result significantly on my credit report. On my credit Experian credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Experian and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin.
Product: Credit reporting, credit repair services, or other personal consumer reports

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off.  So HOW can my   XXXX   be lower? OF course you 'll give me the unfortunately leav ing off the total debt is less.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

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.

Child Support XXXX has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account # XXXX is paid not closed and has been for over 10 years. 


The above accounts have violated my rights according to 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 an 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 ) ( 1 ) .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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Debt collection

On XX/XX/XXXX, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XXXX or XX/XX/XXXX, I called Portfolio Recovery to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX I moved in XX/XX/XXXX from XXXX  to XXXX  and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact XXXX XXXX the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX group several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX  who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to XXXX  XXXX and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
Product: Checking or savings account

I summited a complaint to Capital one dispute charge on XX/XX/2022 for a transaction with XXXX where a purchase was made on XX/XX/2022 for XXXX because I wanted a refund on this item. 
I sent numerous emails to the company pertaining to the returned item and it was sent shipped back XX/XX/2022 and received on XX/XX/2022 I never got a response from the company until XX/XX/2022 after I filed a dispute with Capital one for the refund. 
I was under the assumption that I wasnt going to receive a refund due to other customers problems with this company and Im on limited income due to a XXXX so I asked Capital one to reverse the provisional credit due to that face alone for the merchants amount of XXXX that was credited to me. 
I feel this is a unethical company due to other customers problems buying on this website.I asked Capital one to reverse credit due to these findings alone and feel this credit should not be debited for this transaction due to my circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of XXXX XXXX improper use of the credit report. XXXX, XXXX, and Experian have a duty to protect consumers and they have shown to be negligent in their handling of this issue.
Product: Student loan

Navient has serviced a private loan for me for many years. I have spoken to many people on the phone about the minimum payment due ; and do continue to pay what I am able to monthly. They continue to call me and my mother, who is a co-signer, multiple times per day at ridiculous hours. I have informed many representatives that I live in the PST yet, daily, I get at least 1 phone call before XXXX. Just in the past week of XXXX I can reference the following, and these are all calls solely before XXXX. Each of these days they call at least 2/3 additional times within " allowable '' hours XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX They also continue to call my mother at work when she has asked many times to not be contacted there. I am aware of my debt and pay on it as I'm currently able, and I do make monthly payments so the relentless calls at ridiculous hours, for literally MULTIPLE years, seems unnecessary and has become incredibly inconvenient and stressful for both me and my mother who has an XXXX XXXX exacerbated by stress.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX Never seen this debt and have no clue what it is. I havent received no mail or phone calls from this company. Its on my credit reports and I demand it be removed bc its hurting my report and my score. Thank you
Product: Payday loan, title loan, or personal loan

I had to switch banks when my oringal account was hacked, which I informed them of. I told at least 6 diffrent agents that once I was able to open a new account I would forward on the new account infromation. I have also asked for a new contract stating the payment scheulde and on what day the money will be taken out of the account. They have refused to email or mail me anything to sign. Instead they just call my place of work and home phone severl times a day. I have no issue paying the loan off, I simply want something in writting to keep them from going into my account whenever they chosse to take out whatever amount they feel like. I have asked over and over again for new agreement in witting, which they are refusing to give me.