23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I was incorrectly charged {$69.00} via PayPal Credit/Synchrony Bank for a charge that I did not authorize. I filed a complaint and eventually the charge was reversed and was told all was settled. Just in case the charges continued in XXXX when I was discussing this with Synchrony I put a hold on my PayPal account as I have had issues with unaware charges happening with PayPal. Even though the issue was supposedly resolved I continue to this day ( XX/XX/2022 ) get Robo credit collection calls from them and now I will not longer answer them. On XX/XX/2022 I had a discussion wit the resolution department of Synchrony Bank and the woman told me I owed nothing regarding this charge and that any calls regarding it were scam calls as my balance was XXXX. So, I sent PayPal credit a letter dated XX/XX/2022 which I sent in with the PayPal bill ( now up to {$180.00} due to fees and charges ) and told them to print out the conversation that I had with their resolution department. I want to see that conversation that specifically said the issue was resolved and I owe nothing. At least 2-3 calls, texts, occur DAILY and I owe them XXXX XXXX How do I stop this harassment?
Product: Credit reporting or other personal consumer reports

ubject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear XXXX XXXX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my XXXX XXXX XXXX is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : XXXX XXXX ] XXXX XXXX : 1. XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.AXXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX VIA XXXX 8.XXXX  9.XXXX  BANK 10.XXXX  CA 11.XXXX  12.XXXX 13.XXXX XXXX 14.XXXX  15.XXXX 16.XXXX  XXXX These inquiries were made without my permission and are affecting my XXXX XXXX and overall financial profile. I request that you take the following actions immediately :
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit reporting

I have been disputing hard inquiries on my credit with TransUnion Credit Bureau for the past 3 months I have filed electronically and called and talk to a live agent. The live agent removed the inquiries but they have recently returened XX/XX/XXXX. They were previously removed XX/XX/XXXX/XX/XX/XXXX and put back on my credit report again. I check my credit monthly and I know they were removed XX/XX/XXXX/XX/XX/XXXX I know that TransUnion removed them because of a computer glitch or error in which effected my account and I was never notified. Listed are the inquiries disputed, removed, and added ack on to my report currently. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I'm filing this complaint because a company called XXXX XXXX XXXX furnished an alleged debt to my consumer reports. I did not receive enough information regarding the alleged debt nor was I given the opportunity to dispute the alleged debt. It was assumed that the debt belongs to me without them actually know if it actually did. This agency is damaging my credit standing, reputation, and character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I filed a disputed through XXXX in reference to an account that has been placed on my credit account with out my authorization. 

I also informed XXXX that this debt or loan agency I did not authorize and that It was not mines. 

XXXX did send me a letter stating that this information is accurate which it is not. 

I have also filed another dispute in reference to this account that I did not authorize, MOHELA dept today. Date of XX/XX/2023 I, XXXX XXXX XXXX certify that I served my complaint documents to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addresses or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XX/XX/2023 Thank you, Best and kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

In XX/XX/XXXX MoneyLion was offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : 1. Join MoneyLion 2. Set up a direct deposit of $ 500+ 3. Opt in to bonus 4. Maintain direct deposit for 90 days to get  bonus So, I opened an account with MoneyLion ( offered through XXXX XXXX XXXX, XXXX XXXX, Iowa ) and met all the requirements ( MoneyLion representative enrolled me into the offer over the phone ), but didn't receive a bonus. XX/XX/XXXX I contacted MoneyLion support regarding this issue. I was told it will be resolved in 3-5 business days, but no one actually did anything.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.
Product: Debt collection

On XX/XX/year>, I sent a debt validation request letter by certified mail through the U.S.P.O for the alleged debt that NELNET says I owe. In return, I received a letter back from NELNET stating that the debt is validated. NELNET never sent me, the original creditor 's information, proof of ownership and assignment, a sworn affidavit signed under penalty and perjury that I owe this alleged debt, validation of the debt, or verification of their authority to collect the debt. By law, if I request any information about any alleged debt, it has to be given to me or all collections attempts and credit reporting has to cease. FCRA!!
Product: Credit card

Received XXXX {$100.00} gift cards for XXXX issued by Vanilla. Although they came in original packet, two had several numbers removed but none were valid at attempted purchase. Company has yet to make good even though they asked for 90 days to investigate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account name # XXXX account number # xxxxxxx XXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX account number # XXXX violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account - XXXX XXXX XXXX XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXXXXXX XXXXXXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Debt collection

I was not aware about the debt that was brought to my attention XX/XX/year>. I received a call around XXXX in which I answered because they returned my call from a call I initially missed. She mentioned she was from commercial acceptance debt collection agency and was quite rude. I told her that I wasnt made aware of any money owed to the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I havent used them in months, almost a year. I remember being there me being told all I had to pay was for the visit and since it wasnt covered by insurance I swiped my credit card for the total cost of the appointment. The lady at the counter and my surgeon told me. I was never made aware of any balance that I owed and if I was I wouldve paid but Im pretty sure there is some kind of mistake unless I was given misinformation from the girl at the counter and my surgeon. This is unbelievable I dont believe I should be held responsible as I was not aware and couldnt even attempt to pay any kind of money.
Product: Credit reporting or other personal consumer reports

Paid account off XX/XX/year> to purchase home Credit card account was never updated Account reports 3 different balances, payment historys and comments on my credit. 

COMPANY REFUSED TO UPDATE
Product: Mortgage

Ditech Financial LLC has been mistakenly showing our account as past due for five months. The total of our XX/XX/2019 payment was applied to the principal amount of our loan in error by Ditech. Since then, Ditech has listed our loan as past due. We have called the payment center every month and have been told that they are aware of their mistake and are working to correct it. 

We received a letter dated XX/XX/2019 stating that Ditech had not received our payment due XX/XX/2019. We mailed that payment XX/XX/2019, and after calling and spending hours on the phone they agreed our payment was made. 
We received a notice of default on our loan dated XX/XX/2019. We called the Ditech 's Loss Mitigation Department at the number listed on the letter and we were told to disregard the notice and be patient because they are working to correct their problem. This is a direct threat to foreclose on our loan if we do not pay by XX/XX/2019 on an unpaid balance of {$760.00}. Which was paid and they misappropriated the payment. 

We have been told they are working on this for four months and we continue to receive our monthly statement showing a late fee and that we are a month behind in payments. 
In addition we did not receive a billing statement for XXXX, we had to make a payment over the phone. It is now XX/XX/XXXX and we have not received a billing statement for XXXX. 

We have requested managers to call and let us know when or if progress is being made on their mistake with no response from Ditech.
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. 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about costumers safety.
Product: Checking or savings account

I dont remember its been so long but you guys kept messing up my account funds nd all that and I just closed my bank account down or you guys did then you asked me to reopen I said no cause I didnt like what you did
Product: Credit card

Chase Credit card has a new rule called XX/XX/XXXX. Any credit card applicant is only approved if he/she has less than XXXX inquire on his credit report within the last 2 years. This is hindering competition for the consumer. Consumer is not able to shop around any longer, so the bank is starting to building a price cartel with the information within the credit report. I am ok that Chase Bank uses my credit information to check my credit worthiness ( about XXXX fico score ) but not ok to hinder competition. 
Within case my application number is XXXX regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, As a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.
Product: Checking or savings account

As a loyal user of Cash App, I am deeply disappointed by the lack of responsiveness and resolution to this issue. Unauthorized transactions are a serious matter, and I trusted Cash App to protect my funds and handle disputes efficiently. The delay in resolving this matter has caused me financial stress and undermined my confidence in the platform.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts listed have reporting errors, with inaccuracies in amounts and dates.
Product: Credit card

I was robbed and assaulted in XXXX, XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX at XXXX am. The individuals watched me enter in my XXXX passcode on my device, and stole it while it was open. Within XXXX minutes of the robbery, they changed my XXXX password and locked me out of my account and device permanently. With this change, they were able to have full access to my banking, financial information and Apple Pay cards ( XXXX, Apple Card, etc. ). One of the charges they completed was at the XXXX XXXX  on XXXX XXXX ( open XXXX hours ) for {$6900.00} on my Apple Credit card with Goldman Sachs using Apple Pay. It was around XXXX am they went to the store and fraudulently made this charge without my permission. I have filed a police report with the XXXX, have a case number and documentation from the detective which details the robbery and assault. I also filed a complaint with the FBI, as these individuals tried to steal more than {$50000.00} from me and {$5000.00} from another account, and {$700.00} from another account ( which were all resolved successfully - I have my money still ). 

Goldman Sachs has successfully returned another fraudulent charge they made for {$72.00}, but not for the {$6900.00}. I did not make this charge for {$6900.00} and Goldman Sachs has denied my claim, saying that the charge will remain on my account. I have provided them the FBI report and XXXX  report. I now have another piece of documentation from XXXX which confirms I reported my phone as stolen which includes the IMEI number. The XXXX also has this information as well. 

Goldman Sachs said to include the FBI and XXXX report as proof when I initially called which are screenshots in the attached file. I can give the name of the XXXX detective if necessary. I also can provide the other fraudulent charges they did on other cards and accounts if it helps verify the legitimacy of this robbery and crimes they committed against me, which the XXXX is aware of ( I sent them everything )