23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing this statement to submit a complaint and 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 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving its consumers vulnerable to scams and raises concerns to consumer safety.
Product: Checking or savings account

There is a person located in XXXX XXXX that has access to my account and has admitted to it and its doing Fraud on my account, the person did transactions on my account also used my XXXX to transfer money to a PERSON THAT I DONT RECOGNIZE!!! CHASE BLOCKED MY ACCOUNT UPON MY REQUEST FOR THE FRAUD THEY DID ON MY ACCOUNT! CHASE HAS DETERMINED THAT THEY WILL NOT TAKE CARE OF THE FRAUDS DONE ON MY ACCOUNT AND THAT THEY WILL BE CHARGING ME! AND RETURNING THE MONEY TO THE PERSON WHO DID THE FRAUD!! I NEED HELP!! I WAS ROBBED AND OBVIOUSLY BECAUSE HE IS IN XXXX XXXX NOBODY WILL DO NOTHING ABOUT IT!! PLEASE THIS IS MY ONLY HOPE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BANKRUPTCY THAT HAS BEEN ON MY CREDIT FOR OVER 10 YEARS
Product: Money transfer, virtual currency, or money service

Description sent to the FBI and FTC I am currently unemployed and applied for a job using XXXX on XXXX. It was XXXX XXXX  XXXX XXXX position at a XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). On XXXX I received an email response and was invited for an interview via XXXX with XXXX XXXX. She offered me the job, sent me paperwork to sign, and said they would be purchasing a computer and equipment for me to use. They sent a XXXX  check for the equipment in the amount of {$4800.00}. The checked looked very professional so I deposited it. I've been out of work for soo long and was very excited to get started. They said the check would take 2-3 days to clear, so I offered to use my money to pay the local vendor while their check clears. I went to the bank, got a cashiers check and used it to transfer {$4500.00} to the account they said was their local vendor, who would put everything together and would deliver. The vendor Mr XXXX XXXX texted me and asked to verify my address for the delivery. Meanwhile they asked for a picture of my driver 's license for a background check and had me email it to XXXX When I started getting suspicious I found out the address on their check is the same address for a liquor store in Illinois. I asked XXXX to respond to a XXXX connect/message to verify her authenticity, XXXX XXXX repeatedly assured me that she would, but I never received a response from the real XXXX XXXX on XXXX. Before the interview, I looked up the XXXX Job description but the page was not there. I thought the employer simply stopped taking new applicants. XXXX took down the page and left no warning for me or others. Chase bank lifted the hold on the deposited check and rejected the transfer due to the account being closed. They would not reverse the {$4500.00} transfer either. Furthermore I received a call on XXXX from a real estate agent XXXX of XXXX Georgia asking for a XXXX who had registered my phone number on a XXXX ad. It's a very odd coincidence, hopefully nothing but I am now afraid someone is using my identity. 

The reason I am reporting this to the FBI is that it involves more than one state. I live in California, the check 's address is in Illinois, XXXX is in XXXX Virginia, XXXX is in XXXX XXXX or at least that's where their phones originate from. The communication was through email, XXXX, and text messages from 2 phone numbers ( XXXX XXXX Virginia XXXX ) and ( XXXX XXXX - XXXX XXXX XXXX XXXX ). 

Please Note the XXXX account is still active and I am still getting responses. It is possible to trace a XXXX IP address using a XXXX machine and running a trace route using XXXX command prompt. All I would need to do is allow you access to my XXXX account and you could find this person 's IP address. 

I contacted chase and they are unwilling to help me retrieve my lost money from : Bank Name : Chase Bank Account a name : XXXX XXXX Account Number : XXXX Routine Number : XXXX
Product: Payday loan, title loan, or personal loan

I had a roof replaced on a house recently. Financing was approved. Not pre-qualified. Not pre-approved. But approved outright. I was on the call, and so was the roofing contractor. I asked him if there was any ambiguity that I may have missed, and even HE indicated that the financing was approved outright solid. He gave me permission to include him in the complaint. XXXX XXXX from XXXX XXXX, XXXX. He indicated that you can contact him, and he will verify this. XXXX XXXX made a business decision based upon their approval, and therefore I moved forward based upon that. Lendingpoint never, ever, contacted me with any indication other than being approved. They are now not releasing the funds, and it is putting everyone in a bind. Lendingpoint acted in bad faith. I acted in good faith, and so did XXXX XXXX. Lendingpoint acted otherwise. They need to follow through on the promise that they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from Synchrony financial about an Amazon credit builder card application that i did not apply for. Amazon claims it was an error sent to all accounts but i only received this email on my secondary email account and not the account actually attached to my amazon account. I can not find a working phone number to Synchrony, Ive called 5 different phone numbers and when i get put on hold for an agent it tells me it can not complete the call and hangs up. I just want to ensure it IS a glitch and not someone stealing my information.
Product: Checking or savings account

On XX/XX/2022 an order was placed for a XXXX XXXX Jacket XXXX  XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled AFFIRM INC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

I was notified that there was a collection on my credit report. I have never heard of this company and do not owe any debt to them. I have never been notified and this needs to be removed from report.
Product: Payday loan, title loan, personal loan, or advance loan

At the start date of XX/XX/XXXX, gray fox lending have not given an e-mail receipt of payment nor contacted me of payment received. Money has been taken from my account weekly. Last date of money taken from my checking account was XX/XX/XXXX in the amount of {$100.00}. This has been a weekly withdrawal since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

there are too many dates to list but i have on multiple occasions contacted transunion reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified.

i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX Account XXXX since then the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXXXXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was fraudulent auto loan taken out in my name. It was taken out with Automotive Credit Corp on  XX/XX/2013, in the amount of {$11000.00}, and is reflecting a balance of {$7500.00}. It has been reporting on my credit report and I have no knowledge of this account. I would like this to please be taken off my credit report. I have contacted the company with dispute letters as well.
Product: Vehicle loan or lease

Upon getting the loan back in 2020 certain things in the contract were not disclosed and expanded. The interest rate was sky rocketed to the roof and they included and excluded things within the contract they shouldnt have. Also requiring to put down an down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from XXXX report. I gave wrong address before
Product: Checking or savings account

hi, My name is XXXX XXXX and I had a checking account with US Bank which I closed on XXXX XXXX 2024. 

The account was number : XXXX ( XXXX ). 
Account balance : {$20000.00}. 

I have been waiting for US Bank to return me the money for more than a month and have called them several times. They say the check was returned by the postman but that can't be since I am getting regular mail for the last 2 years at my address. Just as recently as 2 days ago, I got a mailed letter from US Bank itself saying that they have closed my account and have to return me my {$20000.00}. 

The US Bank says, the check was returned in XXXX but they neither intimated me about it nor offered me any other means to receive my money. 

In the last two weeks since US Bank claims that the check was returned, I called up US Bank customer representatives at least 4 times and every time, I spend around 40 minutes on the phone and then they just ask me to call back after 2 days. 

I wrote an email to the CEO of the Bank as well but it was unacknowledged.
Product: Credit card or prepaid card

Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.
Product: Payday loan, title loan, or personal loan

I was unable to reconcile the correct number of days that I was being charged interest using my transaction history. A date column appears in the transaction history for my account and one might reasonably assume that interest is calculated from that date. I have learned however ( after speaking with a bank representative ) that interest is in fact calculated from an earlier date than the date listed on the transaction history. I have made two advances on the credit line to date. The earliest date listed shows my PCL check advance for {$10000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. The next advance date listed in my transaction history shows an additional PCL  check advance for {$20000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. I believe a consumer is entitled to see dates listed for credit line advances that correctly correspond with the date from which interest is being charged. Accordingly I can not determine if my interest charges are correctly calculated when the bank uses a date unknown to me that does not appear anywhere in my transaction history. A a consumer I believe we are entitled see the beginning date from which interest is being charged.
Product: Credit card

Upon reviewing my credit card statements for the prior year, I was surprised to find a Fee attached to my account that I was not aware of. The fee was listed as XXXX and I was unfamiliar with it. I called Citibank customer service on the weekend, and they informed me I had to call another number on a weekday. I called the new number on Monday and was informed it was a debt protection service on my credit card. I explained that I never signed up for any debt protection service, at which time I asked to cancel the service. I said that I wanted to cancel and wanted a refund for every month that I was mistakenly charged for the service. On XX/XX/XXXX, I received a letter from Citi stating : " Thank you for your recent inquiry regarding your enrollment in Enhanced Debt Protection. Our records indicate that this protection was purchased on XX/XX/XXXX. 
Pursuant to your recent request, your enrollment in the optional protection program called Enhanced Debt Protection has been cancelled. 
Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I was shocked to learn that I have been charged this fee since XXXX when I opened the account. Upon further research, I learned that in XXXX, CFPB ordered Citi to refund customers for unfair and deceptive practices related specifically to this issue. 

Citi did not refund any of the fees charged to me. Additionally, there is no access to information regarding the debt protection service on the website. 

I currently only have access to statements as far back as XXXX, XXXX, so can not confirm the exact amount charged over the entirety. I was charged {$720.00} for the dates of XX/XX/XXXX through XXXX of XXXX.