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

I am writing formally to express my concerns regarding Zelle 's handling of disputes, mainly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle countless 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 demonstrate that Zelle has neglected to protect consumers and allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumers ' safety and security.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw personal information that has been reported that I do not recognize.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX I made multiple transactions to different accounts not knowing it was a scam for people who wanted to adopt animals and after I payed them {$700.00} dollars in total communication was dropped because they were asking for another {$800.00} that was brought up and I was told there's nothing they can do The second indecent was when I got charged {$25.00} twice by a website that claimed you can check your credit score for free and got charged {$50.00} afterwards Please be careful there are scammers everywhere
Product: Money transfer, virtual currency, or money service

I am a notary. As a notary it is my responsibility to protect individual 's personal and private information. I have used PayPal services for quite some time now and I can not recall a time before today where my account was suspended or put on hold as a result of a transaction. The transaction that occurred yesterday was where I sent a payment of {$65.00} to a friend of mine for her assistance with a few projects. The payment was put on hold because, from what I can tell, I had referenced the names of the individuals in the memo portion of the payment. I did this for her reference and have done this on prior occasions. The email I received today, XX/XX/year>, indicated that I needed to provide the date of birth for one of the individuals that I mentioned in the memo for the payment. Legally I can not provide personal or private information for anyone other than myself and I am appalled that this is something that PayPal thinks they can do. I shared with them if this was in the medical field this would be a violation of HIPAA. I can not believe it is legal for them to be able to make such a request just to be able to process or release a transaction which, by the way, is no different from other transactions I have made to this same friend of mine for the same reasons. I think their request is illegal and unethical and highly unprofessional.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My card has been blocked for 48 hours. I've called de bank more than 20 time. i got response 4 times but the 4 times the bank tell me that the issue will be resolved in 2 hous. its been days, the bank doest not want to resolve anything. FirstBank does not provide any other numbers or emails or contact information of someone who can assist me. this is very serious for me, the damage is big.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a 30 day late payment on my credit for XX/XX/21 and this is not true. I disputed it directly with Transunion and included documentation directly from XXXX XXXX that shows the account was PAID IN FULL and closed prior to the account ever being 30 days past due and Transunion REFUSED to remove the derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX  but an unauthorized inquiry on my credit report XX/XX/2019. I did not authorize this inquiry and I don't know who did. But what I do know is XXXX XXXX/XXXX  XXXX  broke the law by obtaining my credit file without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies with 2 credit cards that were once reporting on my credit file. They were deleted after I disputed hard inquires within those 2 companies due to someone trying to open accounts with them Since my identity was stolen. Instead of removing only the inquiries they removed the entire account and history. My walmart/syncb account was reporting forn11 years and erased on or around XX/XX/2018 The 2nd accoubt was XXXX  platinum Visa which came off after a unauthorized hard inquiry as well in XX/XX/2018. I have sent in proof of both accounts being reported and it has caused a serious drop in not only my scores but the overall health of my credit.
Product: Credit reporting or other personal consumer reports

In XXXX I had XXXX account ( XXXX and XXXX XXXX ) XXXX XXXX XXXX There is a car on my credit that doesnt belong to me
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX to XXXX via XXXX. It was supposed to be able to be withdrawn by XX/XX/XXXX. But now on the XXXX, you can no longer login to their website and they have declared bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems Inc. ( ChexSystems ), a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S. Code 1681a ( p ) and 15 U.S. Code 1681a ( x ), is reporting information about me without my consent. I did not authorize, consent, nor benefit from the information they report about me. Chex Systems Inc. violated my federally protected consumer rights. Pursuant to the FCRA, Chex Systems Inc. is not to report information about consumers unless Chex Systems Inc. has permissible purpose. Pursuant to 15 U.S. Code1681 Congress require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. No information that Chex Systems Inc. reported about me benefit me, I authorize, met the needs of commerce, fair and equitable to me with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. 

Chex Systems is on notice for its wrongdoing. Attached with this complaint are a Notice to Cease & Desist, consumer report listing several FCRA violations, along with additional documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including Equifax, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX  owing me {$45.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Debt collection

{$180.00} will br collected by XXXX XXXX I, XXXX, the charge is a fraud charge put on my citi master dividened card. The balance is sold to XXXX XXXX I, XXXX by citi bank.
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. 


Company : name XXXX : act # XXXX XXXX  XXXX : act # XXXX XXXX XXXX : act # XXXX XXXX XXXX XXXX : act # XXXX XXXX XXXX : act # XXXX 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.
Product: Debt collection

I called Credit Protection Association on XX/XX/2017 in an attempt to pay off this account. We have been working diligently to repair our credit in order to be able to purchase a home. When we paid the debt, we were led to believe that the account would be deleted upon payment, but that was not the case. On XX/XX/17, the account was marked paid, but it was not removed. This payment did not improve my score, and we are now, a full year later, working to remove it because of the lack of improvement due to this account.
Product: Credit card

Shell XXXX Co did not bill me in a timely manner for the XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX gas purchases. All my other bills were forwarded to me by the XXXX XXXX XXXX to my XXXX address ; the last legitimate charge of {$52.00} was paid on XXXX XXXX, XXXX and any other charges are late fees and not my doing.
Product: Vehicle loan or lease

XX/XX/ interest was XXXX XXXX Interest is XXXX some XXXX  have the same remaining balance I paid over XXXXXXXX XXXX I dont have warranty USA auto sales closed down westlake management took over we dont have a contract with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Describe what happened so we can understand the issue ... Account liquidation has a account that 's in collections that I have disputed twice thats on my XXXX credit report that has been discharge in a chapter XXXX bankruptcy that I filed last year in the state of Mn. 



XXXX, Mn XXXX Re : Acct # To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Credit card

There was a fraudulent credit card opened under my name. I have contacted the post office and they have been sending Chase Male back to chase if it is under the wrong address. 

Chase has been sending letters to XXXX XXXX XXXX. 
That is not my address. The letters have been going back to Chase and they are certified. So I know they are getting them but they are denying they have received them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) .specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/2017 I applied for a XXXX  credit card & I was approved. This was the first credit card I have had in many years. The limit was {$500.00} to start. First I got an oil change & two new tires & a few months later, I bought a battery. I paid {$50.00} to {$60.00} a month for 6 months by check with XXXX XXXX from my XXXX  Account. InXX/XX/2017 I got a phone call from Citibank. They said to me they want to know when will I make my first payment on my account, I told them I have made several payments starting in XX/XX/2017. They told me to give them proof, so I gave them the conformation numbers from all my payment and she said that don't show anything. I asked if you guys didn't get not one payment, why did you wait 6 months to tell me? She then told me to call my bank and ask them to send some type of paper that they have showing I paid through them, some kind of code that only ppl who works at a bank would know what that paper was & my bank told me that they can't do that, so I pulled up my acct with XXXX & screen shot all the payments that I paid sence XX/XX/2017 and when ask for their email address to forward to Citibank, the lady told me to just pay the pass due bill and we won't charge interest or late fees, I said no because all payments for 6 month have been paid already, so we hung up. A new bill came a few days later and they set payment to {$88.00}, I told them I can only afford to pay what I always paid which was between {$50.00} & {$60.00}, they would not accept payment from me because they wanted {$88.00}, they closed my account asap and called all day every day with the same thing how they never been paid.I would call then with I don't know what you ppl did, but I have proof, they wouldn't take it and they stopped calling. They messed up my credit that I had worked hard to get it to where it was. My score was XXXX at that time, other credit cars I have was lowering my limit because of them & some closed my acct because all their negativity about non payments, all the late fees etc. I had the proof and they blew me off. Please tell me what can I do. I don't understand when XXXX   say we found what they said was to be ture when how can they when they said I never made a payment.. What was it that they showed XXXX? Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.
Product: Credit card

Wells Fargo Bank offers an XXXX XXXX XXXX service where direct deposits are available 2 days prior to actually depositing. On XX/XX/2023, I received my early direct deposit into my checking account and utilized the funds. Wells Fargo Bank allowed me to use the funds as they had them marked as available. The next day I was told that the early direct deposit had an error and did not reflect and that there was a {$2800.00} transfer from my Wells Fargo credit card to my checking account to cover the supposed overdraft from the transfers made the previous day. I called Wells Fargo on XX/XX/2023 to report the issue ( thinking that there was an issue with their overnight processing ) they admitted to their error and stated not to move the funds back to the credit card because they would be fixing it. My balance on my credit card at that point was {$2800.00}. I was told that they would fix the issue by the end of the week. I called back on XX/XX/2023 because there had been no changes. When I called they again acknowledged the issue, stated that they would fix it prior to the next billing cycle, and that I should not do anything myself. They stated that I would not have interest charged and should not see any reflection in my credit reporting. My credit card balance at that time was still {$2800.00}. I called back on XX/XX/2023. Wells Fargo did not acknowledge the issue and attempted to say that I had overdrawn my account of my own volition. I requested a XXXX and the XXXX said that I could make the payment myself ( which would reflect that I paid it- and not a bank error ). My statement ending date was XX/XX/2023 and the credit bureaus are reporting that my balance is high and my XXXX XXXX was lowered. Wells Fargo did not offer anything to fix the issue and could not tell me when it would be fixed. They had no answer as to how they would address the credit reporting and still my balance is showing {$2800.00} and I have been charged interest on the account. They have not given any response as to how they are going to fix this.
Product: Credit reporting or other personal consumer reports

Re : Failure to Respond to Credit Report Dispute Disputed Accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX I am writing to bring to your attention your failure to respond to my credit report dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. On XX/XX/2023, I sent a dispute letter to your agency via USPS-certified mail, disputing the completion and accuracy of the accounts listed above, in compliance with the XXXX XXXX Format Standards. USPS tracking confirms that you received my dispute letter on XX/XX/2023. A copy of the tracking receipt is attached for your reference. 
The FCRA mandates that you respond to consumer disputes within 30 days of receipt. Your agency 's failure to respond to my dispute within this time frame is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In the spring of XXXX, while I was still in school, two of my student loans went into delinquency. In early XXXX those loans went into default. At that time the law office of Schachter Portnoy , L.L.C . began collection on the loans. We agreed upon an amount and I have been paying it ever since. I was writing to see if I could get this delinquency or negative mark off of my credit report. It has affected my life ever since and now I am trying to buy a house and it is making this difficult. I have kept current on everything else in my life and this is the only blemish on my credit report. After speaking with a loan XXXX and explaining my situation he also said the way this appears on my credit report doesnt seem quite right. At the very least I would like the status of this to be changed. I have tried to contact Schachter Portnoy and they told me the only thing that could change the current situation was to pay to amount in total and I dont have that kind of money. I do not want this derogatory mark on my credit report for the next 10 years. I have included documents from Schachter Portnoy L.L.C regarding the default and my current standing as well as bank statements showing my payments. Thank you for your time. 

Sincerely, XXXX XXXX