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

I am writing to formally express my concerns regarding 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Student loan

My original loan balance was {$14000.00}. On XX/XX/2021, I made a payment of {$3000.00} to Mohela, so my current loan balance must be {$14000.00} - {$3000.00} = {$11000.00}. But as of right now, the current loan balance shows the incorrect amount of {$13000.00}, instead of {$11000.00} ( {$11000.00} is the correct loan balance after my payment of {$3000.00} ). The unresolved problem is that my entire payment has not been applied to my loan balance and {$1800.00} is missing. 

On XX/XX/2021 and XX/XX/2021, I contacted Mohela about the incorrect loan balance and the missing {$1800.00}, but Mohela refused to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts on my FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) EQUIFAX, XXXX, AND XXXX USES XXXX  OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.
Product: Credit card

I've had a Chase XXXX XXXX credit card for many years. My due date is the XXXX day of the month. In XXXX, that date was XX/XX/XXXX - a SUNDAY. So, my payment ( sent by bill payment services via XXXX XXXX arrived the next day on MONDAY. 
They charged me a {$35.00} late fee. 
When I called them up, they agreed to remove the late fee but insisted that I should have either paid earlier or figured out a way to pay on Sunday ( he suggested using the Chase app ). 
Doesn't the The CARD Act ( Credit Card Accountability Responsibility and Disclosure Act of XXXX  ), a U.S. federal law designed to protect consumers from unfair credit card practices, say that : " If the due date falls on a weekend or holiday, payments are considered on time if received by the next business day. ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account # XXXX, has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, Experian, XXXX, and XXXX XXXX for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, Experian, XXXX XXXX, and XXXX. There is liability looming at this point.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken.

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The  latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But those information are constantly reporting and causes negative impact on my credit. Therefore, Experian XXXX did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Date Updated : XX/XX/XXXX Employer XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX XXXX/XXXX  ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Product: Debt collection

My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX  for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX  who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
Product: Credit card

After discovering an unauthorized credit card account opened under my name, I immediately contacted the company 's credit card service to report this fraudulent activity. It was distressing to learn that not only had someone managed to open a credit card account without my knowledge or consent, but they had also made a fraudulent purchase at a store located in XXXX, XXXX. 

Living in XXXX, it was clear that I couldn't have possibly been present at the mentioned store on XX/XX/2024. Furthermore, upon receiving the bill statement, I noticed that the store credit card didn't even bear my full name. It became evident that someone had maliciously obtained and misused my personal information for their own gain. 

I promptly reached out to the customer service department of the company again after receiving the bill in XX/XX/2024. They assured me that they would close the unauthorized credit card account ; however, much to my surprise and frustration, they still demanded payment of {$620.00} dollars along with a monthly late fee of {$30.00} dollars. 

It is important for all parties involved to recognize that this situation has caused significant inconvenience and stress in my life. As an innocent victim of identity theft and fraudulence, I am seeking fair resolution from both legal and ethical standpoints.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Team CFPB, I have four ( 4 ) accounts with Capital One and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

There is a man named XXXX XXXX, his emails are XXXX and XXXX, he has attempted to open bank accounts and credit cards with many banks under MY address, i do not know who he is, i have never met him, he does not live at my address, i live here alone. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. My name is XXXX XXXX. So far XXXX, XXXX XXXX, XXXX XXXX XXXX  have denied him since they couldnt verify his identity or residency with public records. But discover has approved him, his bank account # with discover is XXXX. I called discover to tell them that this is address fraud and they told me there is nothing they can do since the account is not my account. They also refused to tell me how the company verifies residency.
Product: Credit reporting or other personal consumer reports

I found Unauthorized Inquiries on my Credit Report
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I have been attempting to transfer my funds from a debit card from my uc account. I know how much is in the account but the Visa card co. won't allow me to do it. Also l have been trying to call there customer service and l have been on hold for one hour and 35 minutes and l am still on hold. The debit card is a visa debit card from us bank reliacard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card on XX/XX/2020 in Bank of America. And looking to my XXXX credit report on XXXX XXXX  they put it twice the same inquiry in my credit report, so I have 2 instead of one that was the one I did. And want to remove it because is the information is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born XX/XX/1962 which makes me XXXX not XXXX and credit report in not up to date
Product: Credit reporting or other personal consumer reports

The account of XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and two 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all two 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. I am requesting deletion of negative information form the specified account on all my major credit bureau.
Product: Checking or savings account

On XXXX XXXX XXXX I deposited a U.S. Treasury Department issued check into my checking account at the Wells Fargo Bank in XXXX XXXX, Florida. The bank would only make available {$5000.00} of the {$20000.00} check and placed the balance on hold. 

I complained to the bank XXXX XXXX XXXX XXXX but he refused to honor the entire amount of the check upon deposit and stated the balance would remain on hold. 

This is a government issued check by the U.S. Treasury Department and I should have IMMEDIATE access to the full amount of the check!
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report by various companies, which has caused me significant XXXX. I'm concerned about the potential misuse of my personal information and the impact on my financial standing.