23daVinci/CFPB_Complaints huggingface dataset:
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 of times and reporting discrepancies, my financial institutions and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploite the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022 I used XXXX dollars of XXXX as collateral for a XXXX dollar cash loan. In XXXX of 2022 I was locked out of my account. After several phone calls and emails I had to set up a new account and email address. In XXXX of 2022 Coinbase transferred my other assets to the new account, but did not transfer the loan. Coinbase has held on to the collateral, continues to sell the collateral each month and has not given me access to pay off the loan. I receive emails from my old account in the email that is associated with the original account that I do not have access to. Also, I receive emails to my new email that is not associated with the original account making me aware that Coinbase is selling my collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am federally protected consumer and XXXX  XXXX XXXX, Experian, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX 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 XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

Wells Fargo sent {$13000.00} to XXXX XXXX XXXX in NY in XX/XX/2022 with out a recipient account number or a routing number. XXXX if holding my money and will not return it to my Wells Fargo account XXXX despite numerous requests and the intervention of XXXX XXXX XXXX XXXX XXXX. XXXX requests a hold harmless agreement signed. Wells Fargo will not sign that as they only sign those agreements when fraud is involved. This was not fraud just gross incompetence when they sent my {$13000.00} with incomplete receiver information. Please help me get my money back from either XXXX or Wells Fargo. 
thank you, XXXX XXXX
Product: Checking or savings account

Excessive fees due to insufficient funds when in fact the funds were not insufficient. This bank purposefully delayed my transactions sometimes by 2 weeks to accumulate fees from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I applied for credit with Wayfair to purchase products on their website.

The banking co. they use is Comenity card. I was late on a few payments because I had a hard time logging in to my account. I got aggravated with it and decided to just pay the total balance I owed which was {$380.00} ( payment date was XX/XX/2020 ) ... A Couple weeks later I get a bill for {$35.00} which says it's for a late fee! I was angry but I paid the {$35.00} on XX/XX/2020 ... .Now their calling me saying I owe {$110.00} i'm assuming it was for late fees! Their calling me at least five times a day. Emailing me and texting my phone. Please help me solve this problem. I have bank statements showing where I paid this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Consumer Loan

In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.
Product: Credit reporting or other personal consumer reports

Pursuant to the laws set forth below, you : XXXX, XXXX, and EQUIFAX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, XXXX, and EQUIFAX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time.

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES.

( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, EQUIFAX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS.

THESE VIOLATIONS.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the removal of some fraudulent entries in my credit file. However, there are still entries remaining that need to be addressed. I am submitting to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent and inaccurate collection account from my credit report. This account appears to have been reported inaccurately by both XXXX and XXXX, as detailed below : XXXX reported the account as opened on XX/XX/XXXX. 
XXXX reported the same account as opened on XX/XX/XXXX. 
These discrepancies clearly indicate inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681c-2, credit reporting agencies are required to remove any information from a consumer 's credit file that can not be verified or is inaccurate. 

Furthermore, this collection account is fraudulent. I have never opened or authorized such an account. Enclosed with this letter, you will find proof of a data breach that compromised my personal information, further supporting the claim that this account is fraudulent. 

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau intervene to ensure the removal of this inaccurate and fraudulent collection account from my credit report. This will help to rectify the undue harm this erroneous information has caused to my creditworthiness. 

Thank you for your attention to this urgent matter. Please inform me of the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Proof of Data Breach, Copies of Credit Reports ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.
Product: Money transfer, virtual currency, or money service

I purchased {$750.00} of Litecoin with Coinbase on XXXX/XXXX/XXXX. Their expected delivery date was XXXX/XXXX/XXXX. It is now the XXXX/XXXX/XXXX and I still have not received anything. My credit card statement shows Coinbase transaction of {$750.00}. I contacted Coinbase through their website and only received generic responses. Opened a Case # XXXX with their support. So far nothing. Not a single email, phone call, and attempted to call them. Only to be put on hold for over an 2 hours then they hang up the phone.
Product: Mortgage

I am trying to get a freeze letter payoff from Bank of America to purchase my new home. They are holding me up and I am in jeopardy of being sued called the bank manager and I get a run around, I can be sued if I breach on my new home with this payoff letter please help
Product: Credit reporting or other personal consumer reports

Inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX  consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX    XXXX  # XXXX, 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 am writing to formally dispute multiple unauthorized hard inquiries on my credit report that are negatively impacting my credit score. I have no business relationship, accounts, or authorized transactions with any of these companies that initiated these inquiries. 

i request an immediate investigation into these inquiries and their removal from my credit report immediately that XXXX is posting on my report but XXXX  ask that they remove them from all credit bureaus. Below are the company and dates for your review. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX AFFIRM - XX/XX/XXXX XXXX XXXX  BANK XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX contents of complaint : This Cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that you. XXXX and XXXX and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards opened at XXXXXXXX XXXX XXXX XX/XX/XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accts have resulted in several fraudulent chargeoffs and derogatory appearing on my consumer Fico credit report. I don't recognize the aforementioned accts.these accts were not opened, made, initiated by me.All of the aforementioned accts chargeoffs are result of identity theft and fraud. I have attached a copy of Ftc identity Theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts.chargeoffs are result of identity theft and fraud.
Product: Debt collection

I have requested on several occasion verification of this debt and no response from the creditor. I have sent numerous debt validation/verification request to this company regarding the debt, but never receive a response back and it's been over 6 months there for I am requesting the removal of this debt PER the FCRA and FDCPA they are in violation OF THESE LAWS