23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Capital One denied my application for The Venture card on XX/XX/2019 based on my national origin. 
I have a credit score about 810 - 820, excellent by XXXX XXXX measurement. 
So, it is not because of a credit score. 
I called customer service on XX/XX/2019 but nobody could resolve or explain the reason. 

Capital One denied my application for the same card last year for the same reason.
Product: Mortgage

We have a HELOC with USBank. Two years ago, on or about XX/XX/XXXX, USBank took out and restricted our online access to our HELOC account, which was the way we had been making payments our HELOC ( we initially got our HELOC in XXXX ). After we noticed that we were not able to pay online and we had no access to our HELOC, we called customer service and were informed that our HELOC was in foreclosure. That was news to us as we were current and never late in any payments. We called and tried to get information from just about every customer service number available for USBank to no avail. We even contacted local USBank managers that we dealt with on a daily basis. These managers were not able to get any information. It wasn't until we threatened one of the managers with a subpoena and a lawsuit that we were given the option to pay only in person and in the branch and then the branch will send the payments to a " secret '' unit in Minnesota to process our payment. We have been doing that for two years now but we have not received any statements, we do not have any notices from USBank as to why our account is in foreclosure and USBank, and all of their representatives, continue to refuse to identify or even provide paperwork of foreclosure proceedings, etc.
Product: Checking or savings account

I had funds taken from my account without authorization. I noticed one charge and then I look back and seen that there were more. The institution told me that since they can not track down who taking the money, I will not receive my money back.
Product: Money transfer, virtual currency, or money service

I am writing this letter to express concerns regarding Zelle 's taking care of particularly in light of the recent CFPB lawsuit. Despite using Zelle plenty of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was not possible and that tracking these transactions would be a hard task. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Mortgage

In 2021 I refinance my mortgage with Wells Fargo. During the refinance process, Wells Fargo indicated that it was a no-cost refinance. In addition, Wells Fargo applied my existing escrow balance ( {$2300.00} ) to refinance costs without my consent stating that is Wells Fargo 's process. In the end my Wells Fargo charge me {$9900.00} ( including my escrow account balance ) to refinance a loan balance of {$230000.00}. 

Wells Fargo refused to send my escrow account balance and unwilling used my escrow account balance to fund no-cost refinance.
Product: Money transfer, virtual currency, or money service

I contacted World Remit ( WR ) in XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that pretended that he was in XXXX XXXX and stole my money in tended for an business transaction. World Remit took the complaint and pretended that they were going to conduct an investigation but did not. I called back several times since XXXX but was unable to speak with anyone even after holding for almost 2 hours each time. It is my belief that they blocked my number to make it difficult to get in-touch with them. I also emailed WR based on their recommendation but again, I am unable to get a response after the initial contact. Please help.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and Letter 2 dated ( XX/XX/2024 XXXX XXXX  ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted a proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPresent below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

Experian still put this credit acceptance on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon XXXX XXXX 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's credit acceptance said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted credits acceptance and they agreed on XXXX and I sent a copy of the paid in full letter Experian credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605
Product: Payday loan, title loan, or personal loan

I called Check n Go on XX/XX/2021 at XXXX and did not talk to a representative until after XXXX, I informed them they had taken the money from my Acct. 3 days early causing an overdraft. They requested proof and I sent a screenshot of my bank acct web page showing their charge to my acct with the words OVERDRAFT and the charge of {$35.00} on my account. They responded a week later by sending me a collections letter. The bank returned the charge to them. They want full payment, I want restitution. They caused the problem and broke the contract I had gone into with them in good faith and they broke that good faith by trying to take the money 3 days early. They should pay a penalty to ME for causing me economic distress, lost time, unnecessary stress and now causing harm to my credit due to THEIR negligence. We have no agreement since they violated the contract. I feel I have no duty to reward them with repayment in full.
Product: Debt collection

On XX/XX/XXXX I received an email on XX/XX/XXXX from the property the move out statement. I contacted the property and they had informed me I could do a payment plan. On XX/XX/XXXX I was contacted by the XXXX XXXX XXXX and notified we were in collections.I began going back and forth between companies to verify to whom I should be making payments to for the move out statement. The Debt Collectors stated it was they whom should be receiving the payments.On XX/XX/XXXX the property confirmed the Debt Collectors are the responsible party for payments.I have tried to make a payment plan and also advised them to send me correspondence multiple times to verify the debt. They have stated the debt has been in the account XX/XX/XXXX. I have tried to make a payment plan while also trying to make a debt settlement but without any documentation they have been very aggressive with having a payment up front to keep the account open before garnishing my wages. I believe this to be extremely uncomfortable and difficult. I still have NOT received any correspondence to confirm the debt. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX  XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency is trying to collect a debt they say I owe. I do not owe this. I would like verification in detail about the amount owed and how they established this amount. Proof they own the debt and the original contract of this debt. This is fraudulent. You cant just say someone owes a debt with no information to provide. I want this removed from my credit report and a cease and desist on any phone calls, any correspondence needs to go through us postal mail.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns about Zelles 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 were impossible. Tracking these transactions were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users likely for scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting. It is virtually impossible to speak to a live person regarding my issue. On XX/XX/year>, my credit score increased by XXXX points. On XX/XX/year>, it decreased by XXXX points despite all my bills having a XXXX balance and a decrease in all my active accounts. There is no reasoning for the decrease. My credit score with XXXX and transunion is XXXX. With Experian it dropped to XXXX. I get alerts that a large deposit was made to XXXX of my bank accounts. It is my paycheck getting deposited. Experian is a very confusing credit reporting agency and i would like to see them adopt a model inline with the other reporting agencies. It is so frustrating not to be able to reach a live person. The customer service at Experian is absolutely the worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EXPERIAN is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EXPERIAN is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give XXXX a written notice to report on my behalf. EXPERIAN is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ). EXPERIAN is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Several wire transfer transactions getting declined by JP Morgan Chase. 3 transactions have been approved but I need to do several more to the exact same account ( recipient is me ).

Even though I did verify my identity etc. Chase Bank keeps refusing to allow the transaction to go through. This is my money which I want to have with another institution. And as I can see now, for a good reason I don't want a big chunk of my money with JP Morgan Chase anymore.
Product: Checking or savings account

Hi, my name is XXXX XXXX, and XXXX years ago I had lost my debit card and I think somebody had tried to scam on it. I didnt realize I have lost my card until I had to use it and then I went into my app and it was telling me that I dont have an account anymore, because somebody tried to use my card and put a significant amount of money in my account I tried to make an account for a different bank and he wasnt letting me I had got a letter from early warning about it and I dont know what to do next
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on Equifax. I need to temporarily lift it. They have put the ability to manage a freeze behind a login, and the web site gives a general error after trying to log in. I tried resetting my password and had the same issue. The site says to call a number to fix it. The number is not being answered. They also have a phone number to call to go through an automated process to manage the freeze, but after a long series of entering info, it also fails without any reason given as to why. 

In summary, they have my credit frozen but are not providing any way to unfreeze it.