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

Hello I am writing to formally express my concerns concerning Zelles handling of disputes particularly in light of the Recent CFPD lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS findings indicate that zelle has not only neglected to protect users but also allowed repeated offenders to exploit the system leaving ppl damaged
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One XXXX Department XXXX XXXX XXXX XXXX to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


Sincerely, XXXX XXXX
Product: Debt collection

I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.
Product: Money transfer, virtual currency, or money service

Fees were more then expected Money wasnt in account when guaranteed
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XX/XX/XXXX, AND NOT XX/XX/XXXX NOR EXPERIAN. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Product: Checking or savings account

I received notification regarding a pending settlement for Wells Fargo customers who had accounts from XXXX. I was a customer there during this time. 

This is the portal/link I was asked to submit my inquiry to regarding my affiliation with the bank during this time period.
Product: Credit card or prepaid card

Monday XX/XX/XXXX I put in a payment of {$500.00} to my self.inc secured credit card that was made at XXXX EST On XX/XX/XXXX. The total balance was {$540.00}. ( My credit limit is XXXX $ XXXX they allowed a car rental company to charge a fee from my rental from last month on the credit card when I had payed them using my debit card. Anyways I paid the XXXX $ last week on Monday night on Friday I noticed my credit limit was still saying that the balance was {$540.00} and that I had negative {$43.00} in credit I was alarmed so I called them up on Friday XX/XX/XXXX at XXXX EST. They stated that it would take 5 business days to confirm my payment to make sure it wasnt sent back from my bank XXXX and stated they had no way to validate my payment actually went through because they cant contact my bank. Then proceeded to tell me I shouldve paid using my debit card which would post right away and the credit would be restored instantly which charges a 3 % fee .... the customer service agent also stated that by Monday XX/XX/XXXX in the afternoon my credit limit would be restored back to the amount minus the XXXX XXXX Since he stated my payment would show up with a debit card right away I decided to pay the extra XXXX $ On self.inc website which I made XX/XX/XXXX to ensure it would stop saying Im over my credit limit from a charge I did not authorize to begin with but decided to pay because it was a toll charge from a car rental agency well on XX/XX/XXXX I woke up checked the account at XXXX EST and it still said balance was {$540.00} so I called their XXXX number and spoke to XXXX from self.inc who hung up on me when I was upset she stated my card was locked even though I made payments that it would be held for 7-10 business days until it unlocks. Well I told her thats unacceptable they took all my money for a payment and are still showing my account like theres a balance owed and no good reason for doing it I always pay off my full balance she then proceeded to say it wont be restored till Tuesday when I dont believe a single word they say now that their representatives have lied and are taking over a week to post a payment that came out of my account last Tuesday and made up some story for no reason to keep my credit locked from me being able to use my card and told me I could make a payment with my debit card and it would post right away and it did not and their customer service agent hung up on me because I was upset that she was saying different information her name was XXXX but the entire company seems very shaky with their business practices with customers.
Product: Student loan

I have 2 loans that navient sent into default. I am trying to get the defaulted loans into rehab so they will stop garnishing my social security. Navient changed my name on my account and I did not request it. I spoke to navient and they said it was changed in error and they had no request from me to change my name. I can not sign the docs until they submit the correct name. XXXX XXXX has the defaulted loans. when I spoke with Navient Post Claims they said hey would submit the right name and not to sign the documents. they are already taking payments from me for the defaulted loans. They are taking my social security, my part time job and the monthly payment that was set up for the rehab program. XXXX XXXX told me to sign the documents and worry about the name change later. I need my checks to not be garnished as I am having multiple surgerys and I dont have insurance to cover these and I need the garnishments to stop but Navinet has not sent the info to XXXX  XXXX.
Product: Bank account or service

On  X/XX/17    i was enticed to obtain a  XXXX   XXXX . Store credit card which turns out to be issued by Comenity Bank acct number  XXXX . At that time I charged {$24.00} on the card. I received a bill for charges I made on  X/XX/17    for {$24.00} during the last week of  XXXX . I mailed the payment on  X/XX/17   . They posted the payment on  X/X/17    with the due date of  X/X/17   . They then proceeded to charge me a late fee of an identical {$24.00} plus something called a  XXXX   XXXX  of {$2.00}. I called their customer service on  X/XX/17    which is one day after I received the  XXXX  statement and was told it is not a mistake.   It is a small amount of money but I ca n't help but believe after my conversation with customer service that this is a pattern with this company. First they sent out the statements so the consumer has little time to make the payment before late charges are assessed and then the late charges exceed the original amounts charged! How can that be right!     I believe many more have fallen pray to this tactic and I  XXXX  you can do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a complaint against XXXX XXXX XXXX about how they are discriminating against low credit users and charging them higher interest putting their loans in default and then I also ran across an article from the CFPB regarding their credit reporting. They reported me late twice after catching up with my payments lying saying i was XXXX  days late even though I was current on my payments. I filed with XXXX to get it disputed but it took a hit in my credit report and i am trying to repair my credit report to get out of a loan that i will never be able to pay off due to their practices of charging low credit users 28 % interest. i am already paying XXXX dollars more than what the car is actually worth! whats the point of having a monthly payment of 90 % of it goes to interest and none of it goes to the premium. THIS COMPANY NEEDS TO BE STOPPED
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX, Account XXXX : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX  XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) -XXXX XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID XXXX Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit card

On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a can loan though one dealership and now I have 6 inquiries on my Transunion report, I called and explained the situation customer service refused to take care of it. 
I'm a victim of their inquiries issues
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been the victim of identity theft the following accounts were opened by someone else : 1 ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX
Product: Debt collection

Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number. 
They also call me repeatedly, even after speaking with them and making payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not follow XXXX XXXX compliance laws and guidelines when reporting on my report.
Product: Credit reporting

Judgment against me listed on my credit report, however under " Status '' it 's reporting as " unknown. '' Now, as public record, the reporting agency could easily have found that the debt had been settled XXXX/XXXX/2014. I haven been denied housing and utilities due to this " outstanding judgement '' for several years. I need this fixed immediately.
Product: Debt collection

On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from State Farm Bank # XXXX Sold to XXXX collection Agency. On XX/XX/2020 XXXX completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
Product: Bank account or service

Bank Of America Worker r obed me  XXXX  Dollars because  Bank Of America   XXXX   XXXX  ATM Cards  XXXX  and Address not mine I have not been able  XXXX  open new Bank account after  Bank of America   XXXX  me
Product: Debt collection

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

3 ) Documentation that shows I agreed to pay this debt. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number. 

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,
Product: Credit reporting or other personal consumer reports

There are several names with my social security number but I see different dates of birth and that is interfering with my finances and my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : ( TransUnion ) XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$6600.00}, an personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$1500.00}, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$1100.00}, an personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$950.00}, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$2000.00}, an personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) with the amount of {$9900.00}, an personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) with the amount of {$6600.00}, an personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) with the amount of {$19000.00}, an personal loan account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) with the amount of {$820.00}, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) with the amount of {$76000.00}, these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections that are being reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX sent certified letter to LVNV Funding LLC to validate account and provide information on this account. They acknowledged receipt of this letter on XX/XX/XXXX signed by XXXX XXXX. Until this day, 4 months to be precise, I have not received any communication validating this account. I am enclosing the letter sent to LVNV Funding LLC and acknowledge receipt card.
Product: Credit card

I called customer service spoke to a representative and an account manager named XXXX to have the {$15.00} late fee to be removed. The due date on my account was XX/XX/XXXX and I forgot to make the payment on or before the due date. I made the {$200.00} payment on XX/XX/XXXX. The account manager XXXX said he could not waive the {$15.00} late fee because there was already two late fees waived this year in XXXX. One in XX/XX/XXXX and XX/XX/XXXX. I told the account manager that the second late fee was waived because it was a technical error on the bank 's part when I made the payment on XX/XX/XXXX not being posted on XXXXTherefore, that second late fee waive was not from my request! I get an email notification on XX/XX/XXXX saying that my minimum payment was past due. I chatted with the online chat representative on Synchrony Bank 's website. The online chat representative told me he was going to cancel the {$70.00} payment that I made on XX/XX/XXXX due to the bank 's technical error and that is the reason the payment didn't post on the account. Therefore, he instructed me to make payment again which I did on XX/XX/XXXX and that any late fee if applied they would automatically waive it. As a result of this, the second late fee waive was not from my request personally it was due to the technical issue on the bank 's part. Why should I be penalized for the second late fee request when it was the bank 's technical error? They can't even waive a {$15.00} late fee since I technically did not request the second late fee be waived??? That's ridiculous! Is this company desperate for money? Are they practicing their business legally? I mentioned to the account manager XXXX that I will pay the remaining balance owed leaving the {$15.00} left outstanding for the life of the account until this issue is resolved to my satisfaction. This company should realize that without the customers this company would be out of business. This is totally UNBELIEVABLE!!!