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

I am writing to formally express my concerns regarding 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I called Wells Fargo on XX/XX/XXXX regarding several unauthorized transactions that were made from my savings account on XX/XX/XXXX for {$40.00} at a non wells fargo ATM, XX/XX/XXXX for {$23.00}, XXXX for {$23.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XXXX for {$63.00}, XX/XX/XXXX for {$43.00}, XX/XX/XXXX for {$43.00} and XX/XX/XXXX for {$42.00}. XXXX and all of them have atm fee of {$2.00} + wells fargo fee of {$2.00}. I informed them that i have never gave anyone my card or pin number and i never use a ATM thats not Wells Fargo and i dnt do withdrawal from my savings unless its online banking and they informed me that my chip was used so therefore my claim was denied. I asked if there was anything else they could do to get my money and further investigation by checking cameras on the ATM and they informed me that they could no longer assist me because the claim was denied. I was very upset due to them not being considerate about the the situation and how i couldn't be responsible for those transactions that were made. I asked if there was anything else i could do and they wouldn't assist me with anything and i felt very disrespected and not valued as a long time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.
Product: Student loan

I was forced to sign documents I did n't understand while I was attending XXXX XXXX XXXX. This happened monthly, during my periods of class time. I was told if I did n't sign these papers, then I could n't return to class or finish my studies with them. This happened often while I attended there. Now I 'm hounded day and night by private loans. I ca n't afford this, I also ca n't use my degree. I 've been swindled ...
Product: Credit reporting or other personal consumer reports

My wallet was lost and it contained enough credentials ( I'm assuming ) for someone to initiate a credit application in my name. 

I'm seeing several hard pulls from varying sources. 

" Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXX XXXX  was added to your credit report. '' " XXXX XXXX XXXX XX/XX/year> ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a identity theft report with the FTC and XXXX, XXXX, and Transunion are still reporting the alleged account. Below is the law all ( 3 ) credit reporting agencies are in violation.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency
Product: Mortgage

I appled for help in XXXX. I had just learned about the XXXX  assistance programs my company offers. I need to lower my payment and skip payments until I feel better and can work. I uploaded all the documents they requested on time. They denied me for any assistance. I am very sick. I must avoid foreclosure. Please help. 


The website for CMG Financial XXXX XXXX is very hard ti navigate and doesn't work most of the time. I also can't get anyone on the phone. They call me with a recorded message to call them. I call, and the line hangs up.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and ky rights as a consumer.
Product: Credit card

I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$3000.00}. It seemed very good to turn it down. They said they would train me on how to find drop shippers so I could sell on XXXX, XXXX and any website for that matter. They have done nothing to help me and I was unable to locate any dropshippers that would turn even the smallest profit. They provided no support whatsoever in order to help me. And when I requested my refund they turned me down and stopped answering my calls. I did not make any profit out of this mess. They did not provide the services that I purchased. I feel I was taken advantage.
Product: Credit card or prepaid card

On XX/XX/22 I applied for the Barclays XXXX XXXX card and was approved. It comes with a {$95.00} statement credit that has yet to post even though all spending requirements have been met. Barclays continues to give the run around about when the credit will post but never follows through.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account listed in document. 
Please provide me with : XXXX. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe. 
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. 
XXXX. A verification or copy of any judgment, if applicable. 
XXXX. The identity, name, and address of the original creditor. 
XXXX. Proof that the XXXX of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX or XXXX of XXXX. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Debt collection

THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - XXXX XXXX XXXX CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. That means Equifax has NOT complied with the XXXX XXXX XXXX  Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX )
Product: Prepaid card

Trying to use an American Express gift card is virtually impossible. XXXX, XXXX, XXXX, XXXX XXXX, no one accepts them. You have to wait and hope that a physical store might take it when you're out. And if they do, they place limits on it so you can absolutely never use the full amount the card is worth. This is a well established and recurring problem and yet no government agency has ever tackled the issue of how these cards are basically money traps. You buy them and can't get the money back out as intended. You contact the company and the only way to get a hold of a human is to say your card was stolen. They check and see the card has funds and they offer no assistance for you other than suggesting you " try another retailer, in person ''.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that XXXX, XXXX and EQUIFAX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date XXXX XXXX. XXXXXXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Midland credit management Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe Midland. The original creditor is XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to or benefit from the following information Transunion, XXXX, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX  Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No acct number ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies Transunion, XXXX, and XXXX, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXXXXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX & TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX Transunion is reporting my name as XXXX XXXX XXXX which is inaccurate. 
XXXX- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

XXXX is reporting an inaccurate name of XXXX XXXX XXXX. The XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX XXXX are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX  Transunion is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX
Product: Debt collection

The company has been asked to cease and decist many times but refuses to do so. When they call they refuse to advise me any information about who they are and where they are calling from. 
The company is XXXX XXXX  XXXX and is know for tactics such as this and refuses to go by the FDCPA rules. When you ask them to stop calling they continue and will not give any information such as name, business name and address.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX XXXX days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX Credit Report XXXX ( FCRA ) this creditor has violated my rights. under 15USC1681 sec 602 states I have the right to privacy.15USC1681 sec 604A sect 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666 ( b ) ( A ) A creditor may not treat a payment on a credit card account under an open-end consumer credit. 15USC 1681A 2 ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened my VyStar checking and savings account on XX/XX/2023 on line. It was funded by ACH from an external account. Vystar is reporting to XXXX XXXX XXXX that the accounts were overdrawn on the dates below. The account was never overdrawn. I called VyStar 's customer service and they said it would be corrected but my recent report shows differently. 

XXXX XXXX