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

I am writing you to formally address my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction 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. This lack of accountability and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau Transunion, XXXX, XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to re-dispute several accounts on my credit report that were recently verified without providing proper verification documentation. These accounts appear on my credit report but lack the necessary substantiation to confirm their accuracy. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the validity of these accounts due to the lack of proper verification documentation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive this documentation to ensure the accuracy of my credit report. 

I kindly request that you provide the necessary verification documentation for these accounts, including details about the source of the information, the account history, and any supporting documentation that establishes their legitimacy.

I expect to receive this documentation within the legally mandated 30-day period, as outlined in FCRA Section 611 ( a ) ( 6 ) ( B ) ( ii ). Failure to provide this documentation will result in my continued dispute of the accuracy of these accounts, and I reserve the right to take further legal action to protect my rights under the FCRA.

If you require any additional information or documentation from me to assist in this verification process, Thank you for your prompt attention to this matter. I trust that you will uphold the principles of accuracy, fairness, and consumer protection that underpin our credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXL XXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}
Product: Credit card or prepaid card

This complaint is against Capital One. I have a GM Card. Upon logging online into my existing GM XXXX Card, I was notified that I would have to go through a reenrollement process because Capital One has a new platform for servicing the card. I attempted to go through the process, and while the system recognized me ( it demands an existing customers social security number in order to do this process! ) it did not recognize my password.
After waiting thirty minutes online with a XXXX XXXX customer service rep, she indicated that she did not know what to do, and would have to transfer me to technical person. Another ten minutes and I reach technical support, who also can not figure it out. Twenty minutes later and multiple failed efforts, we esablish a new password and the system appears to log me in, but no data loaded. We are now past an hour, and my technical service person is stumped. So, he places me on hold for ten minutes while he asks his technical person, who tells him, " oh yeah, we are loading the data in waves and it may be three or four days before it loads. '' So, my complaint : 1. Capital One has a failed system for transitioning its customers from one platform to the next. It has not loaded the password data in its system to verify enrollment ( I had to create a new password ). Nonetheless, it is forcing its customer to begin the transfer process, when it should know that it will fail and the old system is unavailable.
2. Capital One demands my Social Security Number in order to proceed with the transfer onto its new system. Not information I want to share online.
3. At every step of the way, Capital One staff are in the dark, unaware of the system 's glitches, including the fact that even when a customer is successful, the data has not loaded, so it appear to the customer to have failed.
4. No information or explanation is provided to the customer about any of the above problems. Indeed, Capital One 's own CSRs are in the dark.
5. After waiting 90 minutes I reached a supervisor, who was aware of all these systemic failures, including lack of password data to enable customers to complete its own process, the fact that no data will be present for days, and most importantly that none of the system shortcomings are communicated in advance to customers or customer service staff so that a customer does not waste over 90 minutes trying to go through its process. The supervisor was not impressed.
So, a terrible experience using the system Capital One requires me to use, when it knows that due to the lack of underlying data it will fail on the front end ( no password data ) and fail on the back end ( still loading customer data ) and it communicates none of this online.
This truly is the XXXX of credit card companies. Incompetent at best.
Product: Debt collection

To XXXX ( COMPLAINCE XXXX ) You state : The Account originated on XX/XX/XXXX with Bank XXXX Missouri and was opened with First Access. The Account charged off on XX/XX/XXXX with a balance of {$430.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$430.00}. 

However you have not produced the application when this alleged loan was originated, you also have not produced the agreement expressly authorizing this alleged debt as required pursuant to 15 USC 1692f ( 1 ). Do you possess an agreement creating this alleged debt? If so i am demanding that you produce this documentary evidence pursuant to : 119.07 Inspection and copying of records ( 1 ) ( a ) Every person who has custody of a public record shall permit the record to be inspected and copied by any person desiring to do so, at any reasonable time, under reasonable conditions, and under supervision by the custodian of the public records. 

You also state : The Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold, the new owner has the right to collect the account. 

You keep stating you owe an alleged debt without providing me with verification of this alleged debt, you also do not have consent to communicate with me about a debt that is allegedly owed. Communicating with me directly or indirectly to any person without my consent is harassment. Your communicating with the consumer reporting agencies about this alleged debt that is false and misleading and you are REQUIRED to cease and desist communication with such persons pursuant to 15 USC 1692e ( 8 ) which states : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

You were advised on XX/XX/XXXX to cease and desist your communications and yet I am showing that this account is still inaccurately reporting, I already advised that you are participating in aggravated identity theft ( see CFPB complaint and e-mail to your company ) and I am demanding that you cease and desist once more, failure to cease and desist communication regarding this alleged debt will cost your company a lawsuit being filed against them and yourself for failure to adhere to federal laws that protects me against your unfair, and abusive debt collection practices. 

You have within 5 days to remove this alleged debt from my consumer report, you do not possess documentary evidence of an application being submitted for a loan, and I have no record of this bank obtaining a loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately.

All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems.

I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated.

In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue. 
You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans. 

Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX XXXX Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX Removal XX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX and XXXX not on my personal Credit Account. 


XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX INQUIRY DATE : XXXXXXXX XXXX XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MORTGAGE REPORTER XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AUTOMOTIVE XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX MORTGAGE REPORTERS XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX  Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. I expect that would be enough said. There are 3 items on my credit report that I disputed to no avail and their score for me is so way out of line with the other 2 agencies, I can't imagine how they are still in existence. What do we do about them? There has got to be some regulation on these clowns or what good is this so called FICO score?
Product: Credit reporting, credit repair services, or other personal consumer reports

My son XXXX XXXX lease a car with Honda as his father I co sign to help him the car lease is over they have the car Honda never notify me that he still owe excess mileages Honda work out a deal with my son to pay the excess miles without letting me know about the arrangements as far as I know they never even contact me this is between my son and Honda also they did not contact him either as he waited for there arrangement. He has a new lease with Honda which I believe they should have roll the excess mileages in the price. I should not be involved with any new deals that Honda or my kid did. My credit is in jeopardy please help..
Product: Checking or savings account

On XX/XX/XXXX or XXXX my account was hacked and there was several checks deposited in to my account that I didn't authorize was like 4 or 5 deposit of XXXX and XXXX from XXXX XXXX that I didn't authorize so I called my banker she changed my username and password for my account and the next day a banker from wells Fargo called and said my checking account has been locked and I can't withdrawal none of my money out of it to pay rest of my bills so now I'm negative XXXX in my checking and now I owe my light bill XXXX wells Fargo didn't care they accused me of depositing the checks and I don't ever deposit from XXXX XXXX only checks deposit in my account is from where I work
Product: Mortgage

We were refinancing  our 1st mortgage with a REPUTABLE company, NOT WELLS FARGO ( getting away from  XXXX  ) - Wells Fargo just happens to have a minority stake in our property through HELOCS - In our CLOSING agreement on our new 1st mortgage, we discovered that Wells Fargo EMBEZZLED {$250.00} from us - when we complained to them that they conducted MORE fraud against us, all of a sudden this {$250.00} was some sort of a " fee '' - WELLS FARGO CA N'T CHARGE A FEE IF WE ARE N'T DOING BUSINESS WITH THEM - ESPECIALLY WITHOUT ANY ADVANCE NOTIFICATION ... that is stealing. They have a fiduciary duty to us, as ALL of our bank accounts are at WELLS FARGO ... Had they actually informed someone of their intent to charge this " fee '', we would have  absorbed their loans into our NEW MORTGAGE ...     I have already had fraud committed against me by  WELLS FARGO in the " New Account '' SCAM that they were conducting and previously fined for - Their  most recent fraudulent actions involve skimming off of transactions that they have nothing to do with - They were NOT entitled to our  XXXX , LET ALONE to steal {$250.00} from us in the process. AGAIN, we were NOT doing business with them. They had NO RIGHT to request any information or issue any " fees '' - primarily because no one was doing business with them. YOU NEED TO CHECK THIS OUT, BECAUSE I GUARANTEE THAT WE ARE NOT THE ONLY ONES THAT THEY ARE DOING THIS TO ...     Their response to the fines that you have previously issued to them is reprehensible - They merely treat the money as if it 's payola or some type of licensing fees to enable them to continue the fraudulent abuse and theft that they routinely conduct against their consumer account holders. Because they know there is NO CONSEQUENCE.     Fines are not enough - CRIMINALS NEED TO BE CHARGED with their crimes!!!     And by the way : Did you EVEN BOTHER to notice that there are MORE COMPLAINTS on your site AGA INST WELLS FARGO, THA N ANYONE ELSE ...??????? By far - all you need to do is look.     CLOSE THES E STAGECOACH ROBBERS DOWN!!! TRUMP 'S PETTY  CASH BOX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX  XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I faxed Equifax my documents that they required to take fraudulent inquiries off of my consumer report. As of today, XXXX XXXX, 2022, they are still on my report, and impacting negatively, as well as hindering my ability to have a correct credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative at credit card company Synovus Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
Synovus Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and XXXX are reporting these inaccuracies and will not investigate.