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

XX/XX/XXXX {$8000.00} in XXXX was transferred into a new Robinhood account from XXXX. I wanted to experiment with Robinhood as their trading fees were supposedly lower. I was not impressed with the site whatsoever as swapping coins was not an option. I decided to transfer some XXXX coin to a new account outside of Robinhood. Somehow this triggered a fraud response and my accounts were restricted. I have spoken to them twice on XX/XX/XXXX and XX/XX/XXXX. They say they will get back to me in 7-10 days when their review is complete. No logical reason has been given. I have no history of fraud. I am unable to rectify the issue whatsoever as I'm transferred to an agent outside of the XXXX. My money is being held by them and I have no power whatsoever. Please help. This company 's actions should not be permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.
Product: Credit reporting or other personal consumer reports

My efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are unrelated to me and I am not responsible for them. Their presence has caused me considerable mental and financial stress. As an identity theft victim, I may need to pursue legal action if this isn't resolved properly. These false entries have prevented me from buying my dream home and adequately supporting my family, significantly impacting my finances. I've included a copy of my previous letter to the FTC detailing this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 reporting or other personal consumer reports

I would like to remove all negative reports on my credit report that not belong to me
Product: Bank account or service

Thank you, first, for the opportunity of submitting this complaint. I have received a letter dated XXXX XXXX, 2016 from US Bank ( a bank I have maintained an account with for over twenty years together with my spouse ) telling me that the bank has elected to close my account. This came as a shock to me and after contacting the bank, I was informed that the reason for the intended closure was because the bank can no longer accommodate customers who XXXX United States. I did not accept such justification but did not tell that to the bank. I am a United States citizen who maintained such accounts in a normal manner without conducting any transactions that violates any rules, terms and conditions, or laws. I do have the right to have an account at my home country, to which I will eventually return, especially knowing that the accounts I have with US Bank were there for over twenty years. There are no costs whatsoever on the part of the bank to maintain my accounts as all my statements are sent to me electronically ( online ). I do challenge the bank, professionally and with all due respect, to point out an instance where any of my accounts were used in violations of their terms and/or conditions. 
My desired resolution is to keep my accounts open with US Bank. 

Thank you again for this opportunity.
Product: Mortgage

These corporations do not know the law. I've asked them all to cease and desist and it's being ignored. 

I have not missed a single principle payment but they continue to harass me. As I've stated over and over that it's legal to make a principle payment with the intention to pay interest at the end of the loan. This is called Freedom. This is America and not some XXXX foreign company that continues to harass. Concentrate on customer service instead of control and deep state corruption.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. All the above accounts XXXXfiled a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Debt collection

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Freedom mortgage became servicer of mortgage originally from XXXXThe numeric of the address is/has been incorrect. The correct street address is XXXX XXXXXXXX XXXX XXXX.Incorrect address is XXXX XXXX XXXX XXXX.Fema ( gov agency ) has my flood insurance at the XXXX XXXX XXXX XXXX XXXX insurance has our hazard insurance as XXXX XXXX XXXX XXXXWe have 2 properties with border ( XXXX XXXXhome on it ) .Freedom will not recognize the XXXX Fema or XXXX from XXXX XXXXThey threaten to place forced flood and hazard insurance on our vacant lot.We have spoke with them numerous times.Sent them property records info from our county, showing XXXX with home,XXXX vacant.original mortgage show s on exhibit A of said, incorrect number address but correct nm mapping number.We have not been able to convince them to change number of address, so our escrow can be used to pay flood insurance, property taxes and hazard insurance.We both have XXXX scores upper 800 's and have never missed any payments of any kind.I feel Freedom is not listening to us, is about to enter into fraudelent billing for flood and hazard insurance on a vacant lot.Our escrow account can't be used, I feel unjusifiably.We would like the CFPB to intervene and possibly file suit on our behalf to solve our issue.Very frustrating to get no where with them after giving them information. Thank you. XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally expressed my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB 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 claim equity they informed me that recovering the funds was impossible and they took these transactions the CFpb finding indicate that Zelle has not only neglected to protect customers, but also allow repeat offenders to explore the system, leaving users vulnerable to scam
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

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 consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time XXXX credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and Department of Education 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: Prepaid card

Was gifted a {$100.00} prepaid gift card last XXXX. Recently attempted to find the balance via the website given on the back of the card. Website wouldnt display the balance or explanation of transactions ( dates, merchants, amounts ).
Product: Mortgage

I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.
Product: Checking or savings account

For years I have been illegally charged for overdraft fees. I have had a successful relationship with wells fargo for the past 6 to 7+ years and year after year they take {$35.00} from me when I am overdrawn. I always make sure my account gets back into a current good status. I am not sure why Im being treated this way. It is not right as a hard-working, American citizen and something should be done about this, I get over {$8000.00} a month and both my checking and business account so I have money going into their banking system which they loan out on the backend and Im being charged for simple human error.
Product: Checking or savings account

XX/XX/year> CashApp let a bunch of fake withdrawals and deposits go thru while I was being scammed by someone claiming to be XXXX. I never received any money back and all my money approximately XXXX wax taken between them and my other bank accounts.
Product: Debt collection

Capio Partners Company balance XXXX balance XXXX original company XXXX XXXX XX/XX/2020 Date started This company is damaging all 3 of my credit reporting such as XXXX, XXXX, and XXXX. They are reporting inaccuracy information and updating dates to make it seem like this is an current account i tried calling them to get detailed copies of the debt and and they are rude, nasty and all they want is the money and hard to work with and i ask them to cease and decease and they continue to harass me. This is also being added duplicate times on my credit report and they still wont send out information so this matter can get handled it cause me to get denied for housing and jobs and any other credit that i have applied for. they also violated my HIPAA laws and rights. They also violated the fair reporting act, they violated the fair debt collections practices act, and defamation of character.
Product: Credit card or prepaid card

On XX/XX/2019 I went to the local XXXX and made a purchase with my Direct Express debit card on which I received my XXXX benefits. Upon completion of the transactions I left my card in the card reader. Someone got my card and in the next few hours made 5 purchases, running my debit card as credit, totaling {$160.00}. As soon as I knew what had occurred, I contacted Direct Express and filed a dispute. Over the next six weeks I filed a police report, contacted management at XXXX and filed the written dispute required by Direct Express. After almost 60 days i received the decision from Direct Express denying my claim. Their decision seemed to be made mainly on the fact that I have the Direct Express app on my phone, which I do not, and that I have my phone number attached to my account.
Product: Debt collection

For the Suburban Corporation Miss billing issue I was charged and probably should have went through XXXX online collections XXXX this issue was resolved company agreed to remove from report already from XXXX still showing on XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Every time I try to freeze or unfreeze my account Im stuck dealing with this long drone process of calling or chatting with an agent going through a lengthy verification process just to be able to use my own account. It has been this way going on 3 years now. Im worst part about it is if Im trying to take care of something outside of business hours or workday. I have to wait all the way until the next business day in order to speak to someone to unlock or freeze my information. I feel like this is a violation of my ability as a consumer to protect myself and monitor my own account usage.
Product: Debt collection

On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under Statement of Financial Accounting Standards No. 95 ( FAS95 ). According to FAS95, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The 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 transparency is unacceptable for company to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method
Product: Student loan

I emailed the PA Dept of Education on XX/XX/XXXX with the following text : My loans were forgiven under the Limited PSLF program. My loans were consolidated XXXX years ago in order to partake in the program. I made over XXXX payments on my loans prior to PSLF waiver. I received notice that my loans qualified for forgiveness in XXXX. However I believe I am owed a refund because I paid over XXXX payments and I am owed a refund for the payments I continued to make over the past 15 years. XXXX told me I am NOT owed a refund because I didn't make any payments while they were reviewing my loan. This is not my understanding of how this loan refund works. " Any payments made over XXXX will be automatically refunded as long as those extra payments occurred after consolidation, '' said XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX XXXX, a nonprofit. 

Emailed again on XX/XX/XXXX with the following text : My loans were forgiven via XXXX. I am owed a refund for making over XXXX payments and I still have not received my refund. Also, I was part of the class action Sweet vs Cardona, and I was supposed to receive my money from those loans and I still haven't received those either! 


Not only did I not receive a response from them, they also closed my case with no resolution on answer for either inquiry.
Product: Mortgage

JPMORGAN CHASE bought my mortgage from XXXX XXXX and since then has demanded twice that we purchase additional FLOOD INSURANCE for a XXXX XXXX XXXX. XXXX XXXX never had any problems with the Insurance Policies and found that the Building Insurance and our Individual unit insurance policies were more than adequate for State Law. 
Additionally JPMORGAN CHASE has onerous communication options that do NOT permit speaking with a human being/customer service representative. Everything must be done by uploading documents or faxing documents. There are NO options to speak with someone to resolve such matters.
Product: Credit reporting or other personal consumer reports

Was told this tradeline was deleted. I still see it reporting to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've checked my credit report and came across the company. I've never done business with nor had an account with this information is fraud and need to be removed from my credit report.
Product: Checking or savings account

I opened Wells Fargo checking account with the offer. Within first 90 days get direct deposit of total {$2000.00} or more and then get {$200.00} cash advance. I have the minimum balance of {$500.00} into my account but even after 2 months of meeting that criteria, Wells Fargo hadn't credited {$200.00} into my bank account. I tried calling Wells Fargo multiple times but it's a very long wait after the confusing menu based IVR. there is no secure message or chat available once somebody log into the account.