23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/year> I deposited and verify by the Assistant Manager at the bank {$33000.00}. Everything was going great until ( 4 ) months unto they closed my money and I didn't have any way to have it.

Checking : {$21000.00} Saving : {$4400.00} = {$25000.00} They lied to me. They said they just want to see my Taxes. I DID SHOW THEM MY IRS TAXES. 

I don't know what to do. I have gone to the bank about ( XXXX ) times. They said " I'm not going to send this money to you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX. 
1234, 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding my 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 tracking these transactions was unfeasible. They informed me XXXX 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 is very unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX at about XXXX XXXX XXXX, I used the JP. Morgan Drive through ATM machine located at their branch on XXXX XXXX XXXX, XXXX NV, XXXX, to deposit {$260.00}. The ATM took my cash but did not give me a receipt and the machine went back to the main screen. I immediately called them to report the issue. They opened an investigation and gave me temporary credit. On XX/XX/XXXX at XXXXXXXX XXXX I received and email informing me the investigation was concluded and the bank did not find the missing {$260.00}. I asked for details on what the investigation consisted of but they said they could not disclose this information. I spoke a phone manager by the name of XXXX on XX/XX/XXXX at about XXXXXXXX XXXX and she confirmed they saw footage of me depositing money at the ATM. However, she claims that there were two audit conducted and the money was not at the ATM, even though there's video footage of me depositing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to Elan Financial Svcs on numerous occasions about not turning in correct information to the credit reporting companies. I have paid Elan Financial Svcs off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent reporting.
Product: Mortgage

XXXX XXXX sent 33 pages to Wells Fargo at one time to begin with that i filled out which included bank statement, proof of my income and itemized lists of my bills etc and copy of tax return etc.. 

Over time more copies were sent. of other requests from them, Nothing ever happened as far as response from Wells Fargo, i was hoping to get a lower payment which the options were {$500.00} to {$900.00} but after all the paperwork etc i sent them i was not offered anything. 

I talked to XXXX XXXX My Executive Support Specialist assigned to me XXXX and he said he moved up the closure date from XX/XX/2019 to XX/XX/2019 to get everything through to save my losing my house ( XXXX ) start making a reduced payment every single month ( which i will do )
Product: Payday loan, title loan, personal loan, or advance loan

Please be advised that the credit denial on or before XX/XX/year>, in the amount of {$2900.00} is a Breach of Trust Property, the Trust Agreement Act, and the Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Title 15 subsection 1611 governs my ability to charge any person who falsely and illegally denies me my own credit. 
As the underwriter of this consumer transaction, I demand XXXX XXXX Bank to provide me with a listing of all the factors involved in this consumer transaction. 
Further more, the Equal Credit Opportunity Act states that denying me my own credit is discrimination. XXXX provided me with the reasons why I was denied my own credit ( see attachment ), however regardless of the reason I have a right to credit and withholding my securities is securities fraud, not to mention. 
In the event that you continue to deny me my own credit, I demand you to retract my application and provide me with any equity gained, received, sold, transferred, acquired, etc from the pooling of assets from the original application. You ( XXXX, XXXX XXXX XXXX, Trustees, and their partners and affiliates ) have no more than XXXX business days to remedy this violation in Good Faith, otherwise damages will be applied to the principal balance for retribution of ALL the aforementioned violations Further, I am a victim of the recent data breaches from the credit reporting agencies, and their sham investigations continue to violate my consumer rights and defame my reputation.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFurthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting erroneous debts on my credit file. I checked my credit and noticed this debt. I never received a call text or notice about this debt and that violates my 30 day right to dispute I called and paid these accounts immediately and tried to work with them to get this debt removed from my credit file and they would not budge. This is ridiculous. If I would of know if the debt I would have paid it immediately. I was never made aware of this debt and that is Express Recovery 's fault. They should of sent me a letter or at least called to let me know of this debt instead of adding it to my credit file. This account needs to be removed from my credit file. I do not owe that debt and they have violated my 30 day right to dispute. The least they can do is remove this debt after ruining my credit without warning.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. 

Self Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. 
Remove the late payment from my credit report or close the account and remove it.
Product: Credit card or prepaid card

The issue is with cash app and on two occasions now they have taken money out in the amounts of {$93.00} and {$69.00}. I verified with the merchant of {$93.00} they already received the payment back in XXXX then I was charged again for that purchase randomly in XXXX. Today {$69.00} disappeared out of my account Im unsure what purchase or merchant is was for because I was not given any explanation. Cash app is saying it was due to a technical error both times yet is refusing to provide any proof or documentation of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by XXXX and XXXX XXXX but {$0.00} by Equifax. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by XXXX and XX/XX/XXXX reported by XXXX and Equifax. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by XXXX and XXXX XXXX and XX/XX/XXXX by Equifax. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Your advocacy lady Contacted saying she would handle getting me pay for the two XXXX XXXX in my name cash into your bank and account XXXX XXXX XXXX I were told by check fraud XXXX XXXX around XX/XX/year> that SSN number XXXX led to that account he cash them into. 

Now it is Discovered that he has open up an account in my name at XXXX XXXX  XXXX XXXX charter no XXXX and complaint file with XXXXXXXX XXXX as XXXX which would involve illegal transactions at your bank, Please investigate. 

XXXX Claim no XXXX for XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I received a text that says Chime Security : Attempt to make a purchase for {$220.00} at XXXX on XX/XX/XXXX Reply YES or NO. XXXX XXXX XXXX XXXX XXXX XXXX. To opt out, reply STOP. I texted back no ; I then received a text that says Thanks for confirming your transaction you'll receive a call shortly. XXXX XXXX XXXX XXXX XXXX XXXX. To opt out, reply STOP. About XXXX minutes later I received a call from the same number that text XXXX. The guy gave me a name and a operator number, asked me to confirm the last XXXX of my social, then proceeded to tell me that not only someone had attempted to use my card at XXXX, but someone also logged into my account and transferred {$1400.00}, they were going to cancel my card and put a regional block on my account. They had me log into my app, and they took me through steps to " reverse '' the money back into my account. Giving me instructions to put in ... XXXX ... and that would reverse the money back into my account. He said don't try to log into my account until XXXX hours have past otherwise Chime 's system would detect it as fraud and close my account. I waited until the next morning, logged in and all of my money except {$86.00} was gone. I then called the number back that called me, it said the number was invalid. I then called Chime 's customer service number and asked where my money was, they didn't know what I was talking about. I explained what happened and they said it looks like I've been a victim of scam. They told me I needed to dispute the charges, I did. XXXX days later I received a denial of my claim letter. I called Chime 's customer service to inquire, the lady I spoke with couldn't give me a reason. She said I could appeal it, and it would look better if I had some sort of proof. She sent me a link to upload proof. I sent the screenshots of the text messages I received, the number that called, a police report I filed as well as an XXXX report that the police advised me to file. 3 days later they are still denying my claim.
Product: Checking or savings account

Someone changed my personal information on my DETR Unemployment card that is link with Bank of America. Changed the address and all information related to me and is collecting the money while I did not notice. I been employed since XX/XX/2020 and my bank spoke to me about fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXXX/XX/XXXXDate of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.
Product: Credit card or prepaid card

American Express has charged me {$510.00} in interest fees on XX/XX/12. I contacted them to understand the charge. Here 's what happened : I had a bank account linked, and I didn't have enough funds in that account to make the payment due. I went online to try to change the account linked, and the American Express system wasn't working ( it had some error message, like " try again later '' or something ). That happened several times. I gave up and didn't have time to call them, so Amex automatically pulled the payment from my account with insufficient funds. 
Once I realized that had happened, I called to understand the interest being charged. I asked how {$510.00} was calculated. It was for a billing period of XXXX XXXX XXXX where I owed a balance. I asked if I was being charged interest on the whole amount of that billing period for each day of that time period, and they said yes. That means I was being billed interest on money I hadn't even spent yet!