23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Charge Off on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of multiple charge offs on my credit report, as reported by your agency. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which appears as a charge off on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681E ( b ), it is illegal for creditors to report inaccurate or unverifiable information on consumer credit reports. Furthermore, I would like to highlight that a charge off, while reflecting a loss for the creditor, is considered income by the Internal Revenue Service ( IRS ) and should not be categorized as debt on my credit report. 

I request that you investigate this matter thoroughly and promptly remove the disputed charge offs from my credit report or the account should be reflected on my report as " Paid in full '' or " Paid as agreed ''. Please provide me with a written explanation of the results of your investigation once it is completed. 

I expect a response within the statutory time frame of 30 days, as outlined by the FCRA. If you are unable to verify the accuracy of these charge offs, I demand that it be removed from my credit report immediately. 

Please note that failure to update these accounts within a reasonable time frame will compel me to take legal action to ensure compliance with the FCRA and protect my rights as a consumer. 

Thank you for your attention to this matter. Please contact me at the above address Sincerely, XXXX
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. Dispite using Zelle numerous times amd reporting discrepancies, my financial institution 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 's findings indicate that Zelle has not ony 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: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this decision was made in error, and I would like to appeal for a re-evaluation of my case. 

Firstly, I want to emphasize that I have always been diligent in adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activity that could be considered a violation of your terms of service. I have used my PayPal account for personal transactions and occasional online purchases only. 

I am kindly requesting that you thoroughly review my account activity and reconsider the limitation that has been imposed. I sincerely believe that this is an unfortunate misunderstanding, and I am confident that a second examination of the facts will reveal my compliance with PayPal 's policies. 

If there has been any issue or discrepancy related to my account, I am more than willing to provide any additional information or clarification required for the investigation process. My intention is not to cause any inconvenience, but rather to seek fair treatment and a resolution to this matter. 

In light of the above points, I kindly appeal to you to re-investigate my case promptly and, if deemed appropriate, lift the limitation on my account. I value the services provided by PayPal and wish to continue using the platform for secure and seamless transactions. 

Thank you for taking the time to consider my appeal. I trust that you will handle this matter with utmost care and professionalism. If there is any further information required from my end, please do not hesitate to reach out to me at the email address associated with my account.
Product: Checking or savings account

XX/XX/XXXX Chime did not properly follow XXXX laws and allowed me to open a chime account without properly checking my id. They did it using just my Ssn. 

I was under the understanding opening any form of bank account required a government id. Not just a Ssn. 

I closed the account immediately after checking To protect myself. 

All I want is to ensure that fraudsters can't open accounts in American citizens names. If a company can't protect our data they shouldn't be in business. 

I would like to emphasize, I was never once asked for the Required Id before being sent a virtual debit card. 

This potential breach avenue could easily lead to problems and needs fixing. Fin techs or whatever they're called Need to be held to higher standards than brick and mortar due to the Anonymous nature of the Internet
Product: Debt collection

Recently I logged into my Bank of America portal and I noticed a charge on two separate accounts. One account is business checking account and {$1200.00} was debited on XX/XX/2018, and another account is personal family joint checking account and {$2200.00} was debited on the same date XX/XX/2018. These transactions were initiated by the bank by utilizing what they call " Setting OFF '' I never heard of this before, but after doing some research it seams that it is legal. However, my business was not doing well due to not being able to get insurance coverage because my drivers got into too many accidents in one year. This had put a screeching hault into my operations. In addition I was in the midst of my divorce and was not able to put 100 % of my time and my mind into running the day to day operations. I was trying to stay afloat, and pay for things that needed immediate attention like vehicle leases, insurance, workers comp. employee salary, as well as roof over my head and food. As you can imagine my surprise when I saw money being withdrawn without my authorization. One of the accounts, the family joint checking account from where {$2400.00} was taken out, is an account which is shared with my brother, and most of that money is not mine to give! I am shocked and in distress because of this. I have been on XXXX for the last 3 months because of my divorce and other issues, and to have this fall on top of my head out of the blue without any formal notice is making me XXXX XXXX. I spoke to Bank of America and told the agent that my XXXX XXXX is up and that this is not the right way to handle this situation. After all, I could have a XXXX XXXX and XXXX. From whom they will get their money then? I asked her if it would be possible to take {$1200.00} for now and give me a chance to catch up to the rest. She had no good reply. I dont know what to do. This is just very XXXX. I am ready to simply give up. Please let me know if you have any answers or solutions fast. Thank you kindly.
Product: Mortgage

Hello After checking my mortgage statements I have found suspicious activity which is affecting my credit score as well as the principle balance on the mortgage. I send payment at the beginning of every month via chase bill pay I have all bank statements showing payment goes though. However experian credit report shows Otherwise payment skips every other month and this impacts my credit score as well as the balance on my mortgage. Ive contacted my home lender loan care but they denied such activity however statements clearly show otherwise as some months the principal balance goes up instead of decreasing.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I sent a check for a total of {$7500.00} on XX/XX/XXXX through Capital One Bank 's courier service to a contractor for a partial payment of permitted work that was being done on my house. When I met with the contractor a few days later, he told me that he had not received the money or any deliveries from XXXX, Capital One 's courier. I immediately called Capital One bank and told them the situation. They said that they could not do anything about the issue for 120 days and that I should contact the shipping agency, which I did. They said the check was delivered. When I called back to Capital One, they sent me an affidavit to sign and made it seem that the issue would be resolved shortly. Well, it has been over six months, and every time that I call I receive a different answer about what is going on with the check. There has been no transparency and/or resolve to solve this problem. Since then to avoid problems with the contractor, I paid them the remaining balance out of my other checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a Certified Letter to Experian on XX/XX/2021, requesting they investigate and provide proof of verifying the information is accurate on my credit report. The Certified Letter was received on XX/XX/2021 They have failed to investigate my request and have choosen to ignore and disregard my letter.
Product: Checking or savings account

Have been calling bank to obtain my money since XX/XX/year> only to be told my Money Market acct was closed, a check was mailed ( never received ) I am sure to my old address as they refuse to update my new address, although my new phone # was updated NO INFORMATION GIVEN! I have asked when I will get my hard earned money, I am asked to verify questions on my account and they proceed to ask additional questions. Each time speaking to XXXX customer service XXXX. among several others who say I will be called back from another Department ( Back Office ) but have not heard from anyone! 
Also a XXXX account expired ( XXXX ) months in XXXX and had been rolled over for XXXX months, without my consent, Never got a call about the Money Market check nor my CD being rolled over. Not a call, not a letter, not an E-mail. I have requested to speak to the CEO and XXXX XXXX but was told I can't speak to the head office. This is my money which I need immediately. I want ANSWERS. I was adding to my CD but due to this unpleasant experience I request to CANCEL my CD with NO PENALTY and to get my check for Money Market sent to my new address. I have been with Ally Bank for over XXXX somewhat years even purchasing a car with XXXX XXXX paying it off and getting a nice letter for paying off the car.
Product: Mortgage

XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, EQUIFAX AND XXXX CREDIT BUREAU INQUIRIES BELOW : *****XXXX XXXXA XX/XX/XXXX ***XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX AND XXXX ***XXXX XXXX  SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

**XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

EQUIFAX XXXX AND XXXX XXXXXXXX XXXX CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.
Product: Credit card or prepaid card

On XX/XX/2021, I was shopping on XXXX As I was going to check out, I received a pop-up message that I had been pre-approved for a Torrid credit card and if approved would received 40 % off my order. At the time, all the items in my cart were on sale for at least 40 % off. I decided to apply, but first continued shopping and added more sale items to my cart, including one item that was 35 % off. 

I applied and was approved for the card, and went to check out using the card information that was pre-populated into the field. 

I was surprised to get a new pop-up letting me know that the new card holder discount could not be applied to my purchase unless I removed the discounts from the individual items. My options were XXXX ) apply the 40 % of but remove the individual discounts or 2 ) keep the discounts on the individual items and forego the 40 % forever ( it very explicitly said it could not be used later ).

I re-read the initial terms and conditions and read that the new customer discount " Can not be combined with other offers. '' That's not inherently unfair but I take issue with these things : 1 ) " Offer '' does not equate - to me and likely to most other people - to " discounts on sale items. '' No mention of discounts or sale items was included in the footnote ( screenshot attached ).

2 ) All of the items in my cart when I received the pop-up telling me that I would save 40 % on my order if I applied for and used the card were on sale for at least 40 % off. 

I chose to keep the discounts on the sale items ( as to do otherwise would have not saved as much money ) and used a different credit card to make the purchase. 

Shortly thereafter, I called Comenity Bank. I explained the situation and requested that the account be closed, and the tradeline and inquiries be removed from my bureau file. The first agent I spoke with advised she couldn't do that because the application had already happened. The supervisor I spoke with advised that because I had applied for the account, he also could not do that. He told me that Comenity isn't reponsible for what XXXX puts on their website, hypothesized that everyone gets that pop-up ( I think in order to explain why I would have received it with sale items in my cart ), and apologized for any misleading information. He advised that I could file a credit bureau dispute and provided the address to which I could submit a written request. No phone or digital options were offered. 

This is not an acceptable resolution. I was deceived by the sequence of events ( cart full of sale items followed by a pop-up promising 40 % off for my in progress purchase ) and a " XXXX '' footnote that refers to " offers '' which are not reasonably equated to sale item discounts.
Product: Mortgage

A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. and 1681c-2 ) that you, the XXXX, TransUnion and XXXX credit reporting agency , block all 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 a personals credit cards and loan accounts opened at XXXX XXXX under the account XXXX, XXXX under the account XXXX, XXXX XXXX under the account XXXX, XXXX XXXX under the account XXXX, XXXX under the account XXXX, XXXX under the account XXXX and XXXX XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I was offered a loan and I was told to pay some fees and I paid {$150.00} fee for the processing of the loan and they told me that the loan would be approved and that the funds will be available in my account it the more the next morning I gave them my bank routing number information and then all of a sudden they came with now I have to pay an additional XXXX closing cost for closing the loan and that then the funds will be released and they wanted {$600.00} after I had to give them the XXXX he refused to refund my XXXX they said that I would have to wait 30 to 40 business days they wouldnt give me a supervisor they wont give me anything they just pretty much said that I need to pay the XXXX I need to pay the XXXX and I said listen nobody said anything about the XXXX so I want my money immediately and they refused
Product: Debt collection

1st Data continues to report a debt on my credit report that I do not owe. I have disputed this account at the credit bureaus, but they keep verifying it. I have also challenged them directly to verify the debt, but they refuse to supply any documentation to show this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of Chrysler Capital. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXXXXXX XXXX XXXX. I am now struggling to get a loan for a vehicle of my own that I can afford to drive. Chrysler Capital is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!
Product: Debt collection

in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XXXX They took out out my account were I received social security I'm XXXX. They took {$600.00} and freeze my account with my social security payment in it and they also took {$100.00} out my son savings account my son is in XXXX with XXXX. I had no knowledge that they would of freeze nor take money out my account. So how do I supposed to pay bills. The XXXX XXXX XXXX  stated that I can not remove no money from the account. I have XXXX  XXXX XXXX and XXXX XXXX  XXXX and my XXXX  is messed up. I also pays for my medication now how I can't get my meds.