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 specific 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 transactions were unfeasible. The CFPB 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 and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  Bankruptcy Reference number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have 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 agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

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

I have sent multiple letter and no action was taken
Product: Checking or savings account

XX/XX/XXXX I received an email at XXXX from Usaa that my securty token on my account had been deactivated. I contacted Usaa concerning the email. I stated I think something is going on, I had not been in my account and my token had been removed. The gentleman never addressed on questioned me about my deposits and withdrawals. Later that night in checking my noticed an email about a XXXX of {$1000.00} had been moved from my acct. Also the need to verify adding an account as a user. I went into my acct removed the request to add because I had not authorized new users. I also noticed theXXXX XXXXtransactio. I called around XXXX that night to dispute the transaction and he said to me he says a dispute is already on the transaction. I also asked him how long my other XXXX do woukd be on hold and he said u til XX/XX/XXXX. 

On XX/XX/XXXX a little after XXXX I received an email that a XXXX of {$1000.00} had been done. I called USAA discussed the second XXXX and asked about my call the night before where I asked if the previous XXXX had been disputed. The agent claimed there was no record of the call, it she out in my two disputes. Later that day on my joint checking there were charges of XXXX for a spa and a {$10.00} a beauty supply. I contacted USAA and disputed. TheXXXX they gave back. That night on my credit card I noticed several XXXX charges and another XXXX to a Beauty supple store I again called Usaa and they put in a dispute. 

To dateI have XXXX charges and XXXX have been provided back.
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. 

Credit report hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) account number # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX 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 card or prepaid card

I was mailed an advertisement from XXXX bank that was in my name saying : " Activate your new XXXX XXXX XXXX XXXX XXXX credit card and earn {$100.00} cash back when you spend {$2000.00} with your card before XX/XX/2023 '' After receiving this, I activated the XXXX card I received earlier in the mail. I spent the {$2000.00} with this card before XX/XX/2023. 

I called Comenity in XXXX, asking where the {$100.00} cash back was and I was told I needed to wait 90 days but that I already met the promotional terms. 

After waiting 90 days, I called XX/XX/XXXX and talked with XXXX. ( Customer rep # XXXX ) I was told that I met the promotional terms and that I would see the money in a few days. 

After waiting a couple of days, I called XX/XX/XXXX and spoke with Mikala ( Customer XXXX # XXXX ). At this point, I was told that I would not receive the {$100.00} because the advertisement was mailed to me in error. I asked why I was not told this in any of my previous phone calls and XXXX could not explain why. 

The rep then offered that a letter was sent XX/XX/XXXX informing customers that the offer was issued erroneously. I asked why I haven't received it or why the letter was sent out so much later than the original letter and XXXX could not explain why. I asked how they could send such a letter after XX/XX/XXXX ( the spending deadline ) and was not given an explanation. I asked for a copy of the letter and XXXX explained that should could not give me a copy. 

I have met the terms of the promotion ( of this there is no dispute ) The company simply does not want to pay me because they claim the offer that was mailed to me personally in error. I did not receive this letter and even if the claim is true that they did send the letter, the rep said the letter was mailed XX/XX/XXXX, at least XXXX months after the promo was sent out and past the date when the promotion ended! 

I have never made a complaint with the CFPB before and I've never had an incident where a bank refused to comply to its own terms written to me personally. I am simply asking for the {$100.00} promised in the promotion. If I did not receive this promotion, I would never have spent {$2000.00} on this card I have attached the promotion below that was mailed to me personally with my name and address.
Product: Credit card or prepaid card

I have been an American Express Card Member for 37 years and I have the black Centurion card, the fees for which are {$5000.00} a year. I am a loyal Amex cardholder, but even for me, Amex has not followed the settlement procedure laid out in the Fair Credit Billing Act ( 1974 ). The Act states : " The creditor shall ... send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement. '' Amex did not do this. 
I discovered a fraudulent charge I had no knowledge of for {$200.00} on my card which I put into dispute. American Express contacted the vendor ( XXXX  ) but did not carry out its own investigation. It simply stated ( see attached letter ) that " the merchant has advised that the charge is valid ''. If this were to be recognized as a valid reason for denying a claim, then there would be no need for Amex to carry out the independent investigation which is required by law - it could just accept the word of the vendor in every claim. In its response, Amex also requests me to contact the vendor to resolve the issue. But even the contact information the vendor provides is false. It provides contact information for a third party ( who tells you to contact XXXX ) - not for XXXX itself. Amex did not even research the validity of the contact information it suggests I use to resolve the dispute. No investigation was carried out by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

some inquiries was posted on my credit report without my permission. 
Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX Syncb/XXXX  XXXX, FL XXXX ( XXXX ) XXXX Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a random message from a suspicious email on XXXX XXXX, 2022 called XXXX, claiming that XXXX uses XXXX TRS Recovery Services '' to process customer payments. This email claimed that XXXX was unable to process a transaction without naming what the transaction was, and that I owed money to Amazon. I then received at least 2-3 letters from this TRS Recovery services XXXX claiming that I owed money to XXXX. 

I ignored the first letter, but they sent me another letter telling me that I need to write or call them to dispute the debt, although they were asking me for all of my personal information ( bank account numbers, etc. ) on their dispute form. I of course did not give them any of this information, and I reached out to XXXX on XXXX XXXX, 2022 to ask them about this company. The representative that I spoke to via chat confirmed to me that I do not owe any money to XXXX, that they would contact anyone directly for billing issues, and that they wouldn't go through a XXXX party company to contact customers about billing or debts. 

This company keeps sending me letters and falsely claiming that I owe money to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I made a purchase online with a company that took Paypal Credit and felt secure shopping because of that and in fact used my Paypal Credit line to purchase XXXX worth of dresses. Of the XXXX dresses I ordered only XXXX came, XXXX were a small and I ordered XXXX and XXXX of the XXXX was ripped in the front of the dress. The seller will not send a prepaid shipping label to ship them back and the cheapest rate I could find so far is XXXX to ship them back to seller in XXXX. Paypal gave me XXXX and stated they have to be shipped back before they can make my balance XXXX and will keep the seller paid until I ship them back and the seller confirms they received them. Paypal says I can not use the XXXX Postal Service bc the seller can receive them and say they did not. I have to use XXXX XXXX and a rough quote has been XXXX and that was an estimate. I do n't feel it 's fair that I have to pay the remaining shipping for items not the right size and damaged and PayPal is not backing me in this ... ... .the last thing the seller in XXXX emailed me was instructing me to use the XXXX XXXX XXXX and do it asap. This whole purchase has been a nightmare ... ..Paypal is very aware of the situation has basically in a nutshell said " you need to ship the items back and prove to us you have '' until then the seller will remain paid and you have a balance you have to pay us ... ... ... I will nit be paying them, I have dresses I ca n't use and do not feel it 's fair to pay the high shipping cost to get them back to seller and yet they have been paid and will remain paid according to Paypal Credit unless I do ship back to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. 

The notification was also sent to XXXX on XX/XX/XXXX for it to process the forgiveness/discharge of the student loans in the amount of {$140000.00}. 

With all of the confusion, administration back peddling and lawsuits filed by or on behalf of XXXX challenging the student loan forgiveness programs ; I would like XXXX with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. 

I filed a dispute with the 3 credit bureaus to expedite getting the reporting off my credit reports ; XXXX however verified that the $ XXXX balance was correct ; which is erroneous as of XX/XX/2022. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and Experian will not remove the account until XXXX does their part. I have disputed this account several times with Experian and XXXX, and both refuse to stop reporting on my credit report. Unfortunately, XXXX has also failed to stop reporting the account, so all 3 parties are currently in violation of consumer protection laws in regards to this account. I am XXXX XXXX, the one reporting this issue on behalf of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By US Mail, I have requested my free annual credit report from Experian in XXXX of XXXX but got no response. I attempted again in XXXX of XXXX, and again my request has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was notified by XXXX  XXXX that there was a " recent '' hard inquiry from a company doing business as XXXX XXXX XXXX that appeared on my Equifax credit report. I immediately XXXX this company to inquire on who they are. I contacted them on XX/XX/2018 to check into this matter because I did not authorize a credit check of any sort from this company or any other company in the past 9 months. XXXX XXXX XXXX apologized and claimed that these unauthorized inquiries happen often. They advised me to contact the credit bureau that shows this inquiry to have it removed. XXXX XXXX claims that they are not a " creditor '' and are not able to get this removed. At that point, on XX/XX/2018 I contacted Equifax about this matter. Equifax told me that they are unable to remove this unauthorized inquiry and that I needed to contact XXXX XXXX XXXX to initiate the request for removal since XXXX is the company that pulled my credit report without my authorization. From that point, which was XX/XX/2018 I have spoken with several people from both companies and neither are willing to fixed this problem. They both continue to tell me that the other needs initiate the process to have that inquiry removed. At this point, I personally feel that Equifax should take the high road and remove this unauthorized inquiry from my credit report. My dispute confirmation number with Equifax is XXXX. I was never given a case or complaint number with XXXX XXXX XXXX as they explained to me that Equifax would have to initiate a case or claim on my behalf prior to their fraud dept investigating my claim of fraud. Please help.
Product: Debt collection

Pursuant to 15 USC 1692a ( 3 ), I, am the consumer. 

Each month, Goldman Sachs sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Thursday, XX/XX/2021, I sent Goldman Sachs an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a XXXX XXXX XXXX, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.