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

Im writing to inform express my concerns regarding Zelle handling of dispute. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times & reporting discrepancies
Product: Credit reporting or other personal consumer reports

There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were XXXX inquiries .....
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit card or prepaid card

I have contacted XXXX XXXX about a XXXX XXXX XXXX XXXX Credit Card they allowed to be opened in my name fraudulently, and I have also contacted XXXX XXXX about a XXXX XXXX card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. I have also contacted Equifax about these fraudulent accounts but Equifax has refused to do proper investigations, and Equifax was also provided a copy of the police report outlining the fraud. Equifax has chosen to continue to allow this fraudulent accounts to be included in my credit file. Equifax, XXXX XXXX, and XXXX XXXX continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached
Product: Debt collection

I was over looking my credit sometime back and noticed that this account was reporting. i mailed out letters to said company ( lvnv funding llc ) and asking to prove how they validated the debt and to send me a copy of items use to do so. never did i get that. i later contacted the credit bureau to do the same. they only said that the company verify the debt. my question was how. at the point i'm stuck. so i tried again and this time i called the company and a csr stated that this was a debt. and i told her i understand how ever its not my debt and that if she could please provide me with documents show how its verify and valildated and she said she didn't have anything other that policy of the credit card. i then told her that does not make me the owner of the said debt. the have not shown me how this my debt but yet they keep posting the debt. please i am asking that they remove the item. also i ask the csr that i was speaking to if i needed to contact XXXX XXXX XXXX she 'told me no '' because they no longer own the debt listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.
Product: Mortgage

i was XXXX XXXX a year ago from work and home XXXX last year. i am unable to make monthly payment with pennymac and seeking search for a buyer to buy the home for less than i currently owe pennymac in a short sale however all requests are being rejected for review. I submitted a borrower assistance package last month requesting a short sale review and no response. It has been really difficult for me and my family and i am trying to resolve the debt i owe by selling the home and not have foreclosure on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says XXXX  accuracy not XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a preapproved loan/letter from XXXX  XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX XXXX, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.
Product: Credit card

I have initiated a complain with apple card ( ultimately Goldman Sachs bank ) about transactions for an online service for which i received a defective service. 
The vendor even acknowledge on several occasions that the service was not up to standards and offered vouchers as compensation which i refused since I wanted just the refund of the full amount. 

I have sent all the necessary documents and conversations Held with customer service. On the other hand I'm being refused the documents that would have been used to make a decision and refuse my claim. I am therefore asking for better transparency and still seek full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with a loan that I had with MONEYLION INC . I went through a debt settlement program with a company named Settle It. The loan that I had was settled by them and paid as agreed via a company named XXXX XXXX  XXXX. This is the company that actually paid MoneyLion Inc. MoneyLion Inc. REFUSES to acknowledge that this loan has been settled and PAID. I have copies of the settlement agreement as well as the copies of the payments made to MoneyLion Inc . I have sent this documentation to all three credit bureaus and MoneyLion insists upon not acknowledging that the account is settled in full!
Product: Mortgage

I filed a complaint on  XXXX / XXXX / 2017   Case  #  XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did.     The numbers do n't add up. I have asked  them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case #  XXXX
Product: Mortgage

We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I am writing to dispute a charge of {$3100.00} to my credit card account on XX/XX/2023. The charge is fraudulent because of the following reasons : 1. After I was given the final amount, the merchant refused to provide an itemized receipt. The only bill I was allowed to see was the total amount of XXXX XXXX  hand-written on a napkin. 
2. The merchant threatened XXXX XXXX if I did not pay the full amount. 
3. After disputing the charge, the merchant provided a table receipt which only contains two bottles of wine. I have never seen this receipt before. I did not consume two bottles of wine. 
4. The merchant left the room to charge my credit card, and did not provide the credit card receipt for signature. The signature on the credit card receipt appears to have been forged. It does not match my signature as-written on paper. 
5. The place of business given on the dispute XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX was not visited by myself. 

I did not buy or consume the items indicated on XX/XX/2023, and only provided my credit card to protect myself from the threat of XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX  adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple  Card via XXXX XXXX is now civilly liable to pay me for the damages.
Product: Credit card

Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$1200.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$7500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and Equifax is showing different history on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX, XXXX My wallet was stolen and the would-be thief attempted to withdraw funds from my XXXX XXXX  account with my stolen ID. The XXXX XXXX  cashier placed a hold on my account and notified me of the attempt. I reported the theft to the XXXX police department. 

XX/XX/XXXX - I placed additional holds on the rest of my XXXX XXXX  accounts to ensure the thief would not be able to transfer funds if he attempted again. 

XX/XX/XXXX? - After no activity for several weeks, I requested the branch remove any holds from my account so I can transfer funds to my Citibank account. 

XX/XX/XXXX - I initiate a transfer for XXXX from my XXXX XXXX  account to Citibank Savings account but the transfer is reversed. XXXX XXXX  branch did not remove all the holds from my account, so the transfer was not completed. I also initiated a transfer out of my Citi account for XXXX to XXXX which was completed. Even after the XXXX XXXXXXXX left my account, I still had a balance in Citi of XXXX XXXX. 

I then removed the remainder of the holds on my XXXX XXXX  accounts and tried to reinitiate my transfer. That is when I noticed my account was restricted with Citi and was notified to contact the fraud department. I contacted them and was told my account was closed and they also needed to verify my identity with a code and that I had to wait for a notice in the mail with a reference number to confirm my identity. I called them later when I didn't receive the notice and they sent one again. I then received one dated XX/XX/XXXX and then several days later I also received the first one that was sent in XXXX. Several more calls yielded no results whatsoever except that I could no longer view my online account whatsoever and that my account was closed for a reason that they wouldn't disclose and a check would be sent. They gave no indication of when the funds would be sent or why the account was closed. 

XX/XX/XXXX I contacted Citis XXXX XXXX XXXX and was told a file had been opened. I was given two agents names that would contact me by the end of XX/XX/XXXX. One agent was for my credit card and one for my savings account. Neither agent has contacted me though I did receive an email with my case numbers. I emailed the XXXX on XX/XX/XXXX and have not received a response. 

To date I have no visibility or access to my account. No timeline for when the funds will be returned and no indication if my credit card account would be closed. It is unethical for Citi to withhold my funds and this information from me. Why should I have to waste hours on the phone or gathering information to be returned my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XX/XX/XXXX  XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

I HAVE ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX IN COLLECTIONS NOT MY ACCOUNTS
Product: Credit reporting or other personal consumer reports

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I ' ve attempted to and was denied my federally protected rights per the Privacy Act of XXXX. See attachment for further details on the creditor and account details.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section XXXX of the FCRA, 15 U.S.C. XXXX ) In accordance with Section XXXX of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act theses XXXX accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 

Rights Violations : 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.