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 that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPBs finding 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 consumer safety.
Product: Credit reporting

I assert that I am the owner of all data in this complaint, and then the owner of all information contained in this complaiant. 

There is no Credit Repair company, or entity involved in this complaint. Attempting to avoid responding to this issue outside of this government instrument, deviates from my rights to this process. 

Equifax is allowing Debt Collection companies, to insert themselves into Consumer Reports as if they are the Original Creditor. 

These tradelines are routinely inserted into reports as " Other '' accounts/tradelines, when they know that this can never be true. 

I have such a insertion, and so do hundreds of thousands of consumers with XXXX funding collection accounts. This issue has been brought to the attention of XXXX and Equifax - and been dismissed. 

A screen shot of the account is attached. 

1. According to the XXXX XXXX File specs for use ONLY by debt collectors - Debt collectors self identify themselves in their files to EQ - and XXXX XXXX did not. 
2. XXXX XXXX has an " OPEN '' type of tradeline, when they can not 3. The Date Opened is NOT ACCURATE, as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required, and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY, then is also NOT correct because no CREDIT GRANTOR account was ever established with thm, nor - is there any contract 6. The CREDITOR CLASSIFICATION, is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true, because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS, is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE, AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate, according to METRO XXXX 11. The Months reviewed, is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT, is also not allowed to have a pay history This account is wholly inaccurate, invalid and borders on fraud. 

Additionally, I believe this account is invalid because any original creditor that I had a balance with years ago, was included in my bankruptcy. 

Please validate this tradeline, its owners details - for your systems accuracy - and then DELETE this erroneous, incomplete and inaccurate account.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 



I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

604. Permissible purpose of consumer reports : In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights under several laws. 

15 U.S.C. 1681b ( a ) 2 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 written instructions of the consumer to whom it relates.

602. Congressional findings and statement of purpose [ 15 U.S.C 1681 ] ( a ) Accuracy and fairness of credit reporting. 

U.S.C. 1666b. Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any reason.

FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS, Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( A ) Subject to section 1681-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Student loan

Chase bank is re-aging their private loan charge off accounts on my XXXX credit report. The actual date of the XXXX delinquency on both Chase private loan accounts was XXXX XXXX. They are reporting that the XXXX delinquency date was XXXX XXXX in order to keep reporting their negative accounts on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( XXXX yrs, XXXX mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The folloewing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.
Product: Credit card

Apple is using their position as a phone company to increase charges to the apple card. I have had this happen several times now in slightly different ways. 

First way, frequently have this happen. I am XXXX and have a XXXX. When I try to use the apple wallet, if my finger tremors during charging, Apple automatically defaults the charge to their card. It is NOT that my finger hit the wrong card, it's that they lined up the cards with apple on the bottom so if hand bumps it, the charge goes to THEIR card instead of the one I wanted it to go to. It never goes to any other card, just to theirs. Extremely annoying. 

SECOND WAY : I was buying music online the other day, many similar small charges which set off the security alarms at my regular cc. BUT : Instead of getting a notice it just defaulted the charge to apple card, which I did NOT want, ask for, or indicate I wanted. I ended up with over {$70.00} in charges on the card which I might have missed for payment if I had not checked. 

Apple is using its role as owner of the wallet to surreptitiously cause charges to go to their card.
Product: Checking or savings account

Subject : Urgent Complaint Missing XXXX Payment of {$900.00} I am reaching out regarding a missing XXXX payment that my wife sent on XX/XX/XXXX in the amount of {$900.00}. As of today, XX/XX/XXXX, I have not received the funds. 

We have contacted customer service multiple times, but no resolution has been provided. Despite my wifes repeated attempts to follow up, the issue remains unresolved. We need immediate assistance to track this payment and ensure the funds are properly credited. 

Please investigate this matter urgently and provide an update as soon as possible. 

Looking forward to your prompt response. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen in the past. These three names circled are not me.
Product: Credit card

In  XXXX  of   XXXX  , I applied for and was approved for an  XXXX  branded credit card issues by US Bank. The promotional terms were  XXXX   XXXX   XXXX   XXXX  points after my first purchase. The terms or my satisfaction of them have never been disputed by US Bank. However, I have never received the points in my  XXXX   XXXX  Account  (  #  XXXX   ) . I have called every  six  weeks since  XXXX  to resolve this issue. I call  US  Bank and they say to call  XXXX   XXXX .  XXXX   XXXX  reports they never received the miles. US Banks tells me to wait. On my last call, I was told by US Bank that after a new statement was generated they points would transfer, as they were " pending. '' I did so and the points from the new statement did transfer, but not the  XXXX  points I was still due. Upon my most recent call, the supervisor at  US  Bank refused any responsibility for resolving the situation and made a number of spurious legal claims about the situation, and did not recognize the " pending '' issue claimed by the previous representative.  XXXX  still says they never received the miles. I have attached all the relative documents detailing the transactions and the discrepancies. It is US Bank 's responsibility to resolve the situation, not  XXXX , per the terms of the promotion agreement and my satisfaction of them.
Product: Checking or savings account

received multiple emails morning of XX/XX/XXXX about a new account being opened. I never opened such an account at bank of america. this is the SECOND time this has happened. first time was the same scenario with bank of america back in XXXX XXXX.just 6 months ago! Bank of america needs to do better to prevent fraud. 

i just placed credit freezes last month with all 3 credit bureaus. how can someone still open an account fraudulently?! bank of america needs to do better!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX and I'm including it again. 

XXXX XXXX, XXXX  XXXX, XXXX XXXX BANKRUPTCY XXXX XXXX
Product: Prepaid card

I bought a vanilla visa gift card that was already used and they will not give me a refund or give me another card their customer service is not up to par and no one does anything Im stranded in another state away from my kids because of this
Product: Mortgage

I applied for mortgage pre approval through navy federal credit union yesterday XX/XX/2023. i was pre approved. today i have received non stop calls from other mortgage lenders and scam likely calls. in the last half hour i have received 13 calls. i did not request for nfcu to share my information with other lenders and certainly did not want it shared with robocallers. If sharing my information with other lenders was required during the application process it was not adequality disclosed. I would not have gone through with the application had i known my information would be shared widely.
Product: Credit card or prepaid card

Cbna national credit card cos/airlines ... Numerous unsolicited hard inquiries including burnout limited to these dates XXXX XXXX and XXXX national credit card cos XXXX
Product: Vehicle loan or lease

A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX  truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open. 
Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX  XXXX  {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have tried to keep a great fico of XXXX since XXXX, never missing a payment or been late, paid off a XXXX truck loan & am in my 4th house since XXXX ; and even when I have had no auto loans or CCard debt in XXXX with a small mortgage of {$630.00} mo including taxes & ins the highest my fico would get is " XXXX '' with 34 yrs of never being late or missing a payment on anything, how is that possible? 
2 ) I just got a XXXX XXXX  XX/XX/XXXX ; along with the card Is a XXXX  credit score of XXXX, So I download my 3 credit reports flawless on payment history, took a hit on length of credit history & debt to income- medium impact.I went into some CC`s that I have open with & without a balance who offer your fico score from XXXX  they go from XXXX. Something is not right here. I have fought the 3 bureaus & fico with the help of fl. attorney general`s assistant Ms , XXXX XXXX XXXX back in XXXX she also thought something didn`t look right after me sending a package with my 3 credit reports & opened up an investigation, but It didn`t go anywhere but she did try. Here in Fl everything Is based on your credit score auto, boat, home, Ins`s, ; interests, & even when you might apply for for an apartment, house rental
Product: Mortgage

In XXXX we built our home at XXXX XXXX XXXX XXXX XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone XXXX and we had to purchase flood insurance in the amount of {$390.00} paid at closing. In XXXX we received a letter from XXXX  XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to  hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX A.M on XX/XX/XXXX. In XXXX we refinanced our XXXX mortgage and obtained XXXX Appraisals to accommodate the XXXX mortgage. Both appraisals indicated the home was located in Flood Zone X and included a XXXX Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly XXXX. XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 
Wells Fargo will no longer work with us on a forbearance. 
Attached is all the supporting documentation.
Product: Debt collection

I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.
Product: Debt collection

I had a credit card with Capital One, in the amount of {$6600.00}. I paid the full balance off the debt, with the last payment being made on XX/XX/2020. However, Capital One continued to report this account as a charge off.
Product: Money transfer, virtual currency, or money service

Two transactions were made on my paypal acct. I did not make or approve the transactions. I notified paypal and they say as far as they are concerned they were valid transactions and refused to issue a refund. Info is below. 

Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that the reported transactions were not unauthorized and hence couldn't be covered under PayPal XXXX XXXX. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXXsuccess online solutionsPayment - {$59.00} XX/XX/XXXXsuccess online solutionsPayment - {$180.00} XX/XX/XXXX XXXXXXXX XXXX  Page 1 of 2 Board : Mortgage Brokers , Businesses & Lenders Complainant Information First : XXXX XXXX : XXXX Last : XXXX Address : XXXX XXXX XXXX City :  XXXX XXXX : Florida Zip ( XXXX or XXXX ) : XXXX Home : ( XXXX ) XXXX Work : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Email : XXXX Education Level ( Highest Degree Received ) : XXXX XXXX Subject of Complaint Complaint is against : Company/Organization Company Name : Paypal Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX State : California Zip ( XXXX or XXXX ) : XXXX County : XXXX XXXX Complaint Details Are you filing this complaint on behalf of someone else? 
No Summary of Complaint : Someone used my paypal acct to make a purchase without my authorization. I notified paypal of this and they refuse to return my funds, saying that it was a legal transaction as far as they were concerned. Two transactions totaling {$240.00} Was this a joint account? If yes, please give name and relationship of other party. 
No Enter dollar ( $ ) amount in dispute ( if applicable ) : {$240.00} Date of Transaction :XX/XX/2020 ( mm/dd/yyyy ) XX/XX/XXXX XXXX XXXX Page 2 of 2 Have you contacted or hired an attorney to look into this complaint for you? 
No Was the product/service advertised? No How/Where/When? Success online solutions thru paypal. 
Have you submitted a complaint to another regulator? If yes, to whom? 
No Did you receive a response to your complaint? 
No If yes, have you received a response from the company that you have entered a complaint against? 
No
Product: Credit reporting or other personal consumer reports

I am disputing the late payments reported on my credit report, as they were reported without my consent, in violation of 15 U.S.C. 1666b. Furthermore, this reporting is in conflict with 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), which governs the permissible use of credit report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To cfpb, Help me, please. 
I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company.

I practiced my rights and complained to cfpb about the Trans Union company because the company has damaged my credit score and report.

I think Trans Union is retaliating and lowering my credit score furthermore for no reason.

Attached is the most recent letter from one of my creditors-XXXX  XXXX informing me that they had lower my credit limit because of the false and wrong information they received from Trans Union . 

Please see the attached letter from XXXX XXXX  and why they had to lower my credit limit.
Product: Checking or savings account

On multiple occasions money has disappeared from my account with no transaction tied to it and no proof as to why and when I call Cash apps representatives have o knowledge
Product: Checking or savings account

On XX/XX/2020 I filed a dispute with my card company ( Current-XXXX XXXX XXXX ). I attached police reports and followed all directions asked. It is now going on 4 months and this company have not gave me a decision on my claim. I have made numerous of contacts, and they keep telling me it could take up to 90 days for an answer. 

I patiently waited 90 days, and now they say they need additional time, but my card agreement only say a max of 90 days. Now, when I contact them they ignore all my emails. My card was stolen and used frauduently, and I have listed the transactions below : 1. XXXX XXXX {$1000.00} 2. XXXX {$500.00} 3. XXXX XXXX {$650.00} 4. XXXX {$210.00} 5. XXXX {$1000.00} 6. XXXX {$1000.00} 7. XXXX {$820.00} 8. XXXX {$1000.00} 9. XXXX {$500.00} 10. XXXX {$400.00}