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

XX/XX/2024 : Two unauthorized money transfers were made by Western Union from my checking account to a person identified as XXXX XXXX who was located in XXXX XXXX, XXXX. 
Western union apologized for the fact that my Western Union account was affected by fraud and then proceeded to deny my claim ( CASE ID : XXXX ) for a refund by citing that their agent followed all of their policies and procedures and unilaterally denied my claim. 
I responded first that I have never been a customer of Western Union and that I have never had an account with them. Further, I stated that their policies and procedures were deficient in that they should have further verified the opening of a new account and questioned a transfer from a person with an Irish-American surname who lives in the US to a person with a middle eastern name living in XXXX. A second factor authorization in a case like this would have seemed to be in order.
Product: Debt collection

They have called me at least XXXX times in the past 6 days. I have not received a statement for at least 3 months
Product: Credit card

Dear CFPB, I am writing to formally request assistance with a dispute involving fraudulent charges on my Chase credit card account. Despite my repeated efforts to resolve the matter directly with Chase, the issue remains unresolved. Below, I outline the details of the situation : 1. Discovery of Fraudulent Charges : On XX/XX/year>, I noticed several unfamiliar charges on my Chase credit card account while I was overseas. Concerned, I immediately contacted Chase to report the issue.

2. Initial Actions Taken : I informed Chase that the charges were unfamiliar and requested to dispute them. I also asked for new cards with different numbers to be issued for both myself and my husband. While overseas, I was assured that I could continue to use the credit card account via XXXX XXXX, though the physical card was no longer usable. 

3. Further Developments : Upon returning from my trip, Chase issued us new credit cards and confirmed they would investigate the initial two disputed charges. However, in subsequent weeks, an additional five charges from a company called XXXX XXXX, totaling {$4300.00}, appeared on my account. 

4. Chases Response : Chase has determined that I am responsible for these charges. Their reasoning is based on claims that they sent five emails to the email address on file and that I responded each time to confirm the charges as valid. This is inaccurate, as I never responded to any such emails. I believe my email account may have been compromised, which I have repeatedly explained to Chase. 

5. Unresolved Issue : It does not make sense that I would call Chase to report fraud initially, only to later validate these charges via email. Despite this inconsistency, Chase has declined to offer further assistance or reimbursement for these fraudulent charges. 

I am seeking your help in resolving this matter. I believe I have taken all reasonable steps to protect my account and dispute unauthorized charges. Chases conclusion and unwillingness to assist further are both unjust and unsupported by the facts. 

Attached to this letter, you will find copies of relevant documentation, including account statements, my initial dispute correspondence with Chase, and any other supporting materials. 

Thank you for your time and attention to this matter. I hope the CFPB can assist in securing a fair resolution. Please do not hesitate to contact me at the phone number or email address provided above if additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 


XXXX XXXX Date Opened XX/XX/2003 XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX : {$0.00} XXXX XXXXXXXXXXXX XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Money transfer, virtual currency, or money service

I writing to formally express my concern Regrading Zelles handling of disputes, practically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting the discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering the lost funds was impossible, and the tracking these transaction was unfeasible. The CFPs finding indicates that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit card

I applied for and was approved for this credit card. Part of the terms of the bonus is that you need to spend {$1000.00} within the first 90 days of opening the account to qualify for the bonus. 

After i was approved, a screen popped up that said i would receive the physical card in 10-14 days, but could have my account info texted to me so that i could use it immediately. I clicked on that and they sent me a link where i could add it to my XXXX XXXX account. Well i do not have an XXXX XXXX account or ANY XXXX  product, so that is useless to me. They didn't mention it ahead of time, they said " to be used in A digital wallet ''. They neglected to state that anyone with a non XXXX  phone is screwed. Why did they not state this until after they have hit your credit with a hard inquiry and approved your account!? What kind of company alienates nearly 50 % of its users who don't use a specific brand of product?!?

I then called and asked for my account info so that i could use it digitally and was told that they could not give me my account info that i was approved for. This is after they dinged my credit with a hard inquiry mind you. They said it was not secure to tell me my account info so i told them to text it to me. They said that wasn't secure either although they sure felt like it was secure enough to send it to me to use in a digital wallet that i do not own!

I then told them that all my other credit card companies would overnight me a card to use, so can they send it to me expedited? No, they refused that as well!

This is an intentional scam! They want you to lose 2 weeks of your promo bonus period especially during the holidays when people spend the most money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. 
This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : VIVE FINANCIALPlease notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 



My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX XXXXXXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX
Product: Credit card or prepaid card

I received an email offer for an American Express XXXX XXXX XXXX XXXX Credit Card with an annual fee of {$450.00} in early XX/XX/XXXX. The card offered XXXX XXXX points if I charged {$5000.00} in the first 3 months. Also a {$300.00} XXXX/XXXX credit each year of card membership for charges at any XXXX or XXXX XXXX, 1 free night a year, and a priority pass for airport lounges. For my business and personnel travel this would be a good value for me. While doing the on line application a pop came on indicating that if you had a prior American Express XXXX card you may not be eligible for the benefits. I called American Express and indicated that 20 years ago I had a XXXX Credit card but not sure if it was an AMEX, XXXX, or XXXX. I cancelled the card in XX/XX/XXXX. The agent assured me that this would only apply to cards cancelled in the last few years. I did not note the agents name. I received my card around XX/XX/XXXX and proceeded to use it. My first statement was XX/XX/XXXX with a balance of {$3900.00}. A week or so later I received the credit card statement and called American express just to confirm I needed another {$2000.00} or so to get the XXXX points. The agent confirmed this was correct. On Monday XX/XX/XXXX I paid my current balance of {$4300.00}. I called American express and asked when I reached the {$5000.00} in charges how long would it take to get my bonus points. I was told by the agent I would not be getting any of the listed benefits because I had a prior American Express card that I cancelled. I told her that I had informed American Express on 2 previous occasions that I had cancelled a XXXX credit card in XX/XX/XXXX that might have been an Amex card. She informed me that sometimes it takes a month or more before this would appear on my account. I then talked with a supervisor named XXXX, who also informed me that since I cancelled a card in XX/XX/XXXX I would not be eligible for the benefits, this was after speeding over {$4000.00} on the card. I asked why this was not mentioned by the agent when I applied for the card or a month later by the agent when I called to re-confirmed the period of time to reach the {$5000.00}. XXXX informed me that it may take months for the American Express to do the research if I qualified for the promotion. I then cited I should not have been told by 2 American Express agents that I qualified for the promotion. She also mentioned that my wife had cancelled a XXXX XXXX American Express card several years and I had a companion card. My wife 's account was always in good standing and this card was not in my name. I have no problems American Express accepting or denying anyone for a credit card. My complaint is I should not have been told I qualified for the benefits and 2 months later after spending over {$4000.00} told I did not quality. 
PS my credit score is in the 800 range and always pay all credit cards on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm trying to get a mortgage loan but they can't access my equifax scores. Equifax stated that I need to submit my ID because of a data breach or no one will be able to access my report. This is untrue because 2 lenders that I rate shopped with was able to access my report by using a previous address. I can't access my report via XXXX but I was able to access via myequifax.com. something is not right and I don't want my mortgage application to fall through because of this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$3500.00} XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off 1 credit card but didn't close it. On XX/XX/XXXX I received a notification from XXXX XXXX  that my score dropped 118 points on the day it was reported to TransUnion. I contacted XXXX XXXX who referred me to TransUnion then TransUnion told me to contact XXXX  XXXX. I can't get an answer as to why my credit score dropped. TransUnion would only say that there was a deragorty remark on my report but that has been on there since 2015 it's not a new remark. The only thing say said is credit reporting is like a secret recipe and different factors go into the report. The only thing that changed on my report in XXXX was paying off a credit card. Why pay anything off if you can't trust the agency reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily surrendered my vehicle to XXXX XXXX in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, XXXX XXXX accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, Experian & XXXX to update the account status, balance & comments and both times, it came back that XXXX has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted XXXXr three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact XXXX to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from XXXX.
Product: Debt or credit management

This debt should not be on my report. I would like it removed immediately
Product: Credit card or prepaid card

I'm having trouble making payments on my XXXX XXXX account with Comenity Bank.

They have taken to calling me repeatedly with spoofed and " restricted '' numbers.

I've already told them I'm in trouble and they've offered no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit card from my bank month and I was denied
Product: Credit card or prepaid card

I applied for an American Express Prime Business Card Ref : XXXX and was denied because " American Express cancelled my previous account ( s ), '' This is not true and should be reflected in the record and my card should be approved. I was an authorized user on an American Express account and the primary holder began having financial problems and so I cancelled my card even though I am not responsible for the charges as an authorized user. I believe American Express National Bank have violated their card agreement by saying I'm responsible for a debt that I am not legally responsible for. I should be judged on my own qualifications and American Express is denying a card for my business based on a primary card holder 's payment history. I'm shocked that Amex has done this and believe firmly that this must be remedied. Thank you.
Product: Checking or savings account

I went into a TD Bank on XX/XX/2021 to deposit two checks. One for {$840.00} and another for {$30000.00}. When handing the check to the teller, I asked if the check needing to be endorsed by the other parties on the check. The teller told me no and continued to deposit my checks. By XX/XX/2021 both checks were returned, causing fees and overdrafts. I contacted TD Bank, which their phone reps told me both checks would be reissued in 7-10 days in order to be redeposited. I still have not received those checks. Ive followed up numerous times, no one has any idea where the re issued checks are. I was told any branch can re-print the checks for depositing and when I went, I only received a copy of the transaction not an actual check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous XXXX XXXX XXXX Inaccurate and inconsistent date opened Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.