23daVinci/CFPB_Complaints huggingface dataset:
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. This is my second time reporting a claim and have heard nothing back. 
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. 

About 8 months ago, I had the misfortune of sending {$2700.00} to the wrong recipient. I reached out to my bank and they informed me there was nothing that could be done. I also reached out to the recipient and heard nothing back ; Therefore not receiving the funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX  - AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} XXXX Accounts XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX. ) XXXXXXXX XXXXXXXX XXXXXXXX XXXX - XXXXXXXX XXXX - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Last week I spoke with a representative from Toyota Financial about the struggles we faced with Covid 19. We were told that our XXXX and XXXX payments would be waived and our lease would be extended by two months with zero fees due to the pandemic. When I called on Monday to ask why the changes were not being reflected in our online account and it showed that I would be billed on XX/XX/XXXX, they said it was being processed immediately. 

I called this morning to check on the status of our request and inform them that I would be reporting this to the federal government if they did not process the request as they had promised. They said that the request for my deferral had not been received until this morning and it would " take time '' to process. They are scheduled to bill my account tomorrow morning, the payment has not been shut off. This should be illegal as I was told four times by four different representatives from the financial institution that this would not happen.
Product: Credit card

On my XX/XX/year> credit card statement for my XXXXXXXX XXXX XXXX XXXX account I was charged the {$99.00} annual fee. I made a call to customer service because I did not want to pay the annual fee and requested that the card be changed to the XXXX XXXX XXXX account that had no fee. I had both types of XXXX XXXX XXXX credit cards with the bank. But previously without any notice to me the bank closed the XXXX XXXX XXXX account that had no fee. They closed the no fee account and left the annual fee account open.There was no warning. There was no notice to me. What happened when I called to have my open credit card account with the {$99.00} dollar annual fee changed to a no fee credit card account type, I was told they would not do that. If I wanted the no fee account I had to submit a new application for that credit card. This was after they of their own accord closed the no fee account I had open. I want to point out that I requested to and spoke to a supervisor about this problem. His name was XXXX and he was very rude and showed no respect to this customer. He was arrogant and obnoxious.
Product: Credit reporting or other personal consumer reports

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing emotional street on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraudulent unauthorized inquiry from BMO HARRIS BANK  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 To Whom It May Concern, I am writing to file a formal dispute regarding unauthorized inquiries that have appeared on my credit report. I seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) to address this matter promptly. I kindly request your intervention to ensure that my consumer rights are upheld. 

The unauthorized inquiries that I am disputing are as follows : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX These unauthorized inquiries have significantly impacted my life. Allow me to share my personal story to provide a detailed understanding of the emotional toll these actions have taken : As a hardworking individual striving to maintain financial stability, these unauthorized inquiries have inflicted considerable stress and anxiety upon me. The unauthorized access to my credit report has created a sense of vulnerability and violation of my personal information. Each unauthorized inquiry represents a breach of my privacy, undermining my trust in the financial system that is meant to protect consumers like myself. 

These inquiries have far-reaching consequences, impacting my ability to access credit, obtain favorable interest rates, and secure essential financial services. As a result, my dreams of securing a stable future for my family have been hindered. The uncertainty caused by these unauthorized inquiries has forced me to spend countless hours navigating complex processes, seeking resolution, and addressing the repercussions on my financial well-being. 

With this dispute, I kindly request that the unauthorized inquiries listed above be thoroughly investigated and promptly removed from my credit report. I am asserting my rights under the FCRA to ensure that the information in my credit report accurately reflects my creditworthiness and financial history. 

Moreover, I urge that the relevant creditors validate the accuracy of the accounts associated with these unauthorized inquiries. If the accounts can not be verified within the parameters of the law, I insist on their removal from my credit report. This action will help rectify the unwarranted harm that has been inflicted upon my financial standing and emotional well-being. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. Your intervention is crucial in rectifying this situation and restoring my faith in the financial system. I request timely communication and resolution as I work to secure a more stable financial future. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. 


US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX CAPITAL ONE BANK USA N XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX {$14000.00}
Product: Credit reporting or other personal consumer reports

I've noticed that my credit report contains incorrect personal information, which is leading to the appearance of unfamiliar and inaccurate accounts under my name. This has been incredibly concerning, as these accounts are not mine, and they don't reflect my financial activity. The errors in my personal information seem to be the root cause of this issue, making it even more urgent to address. These inaccuracies are not only misleading but could potentially harm my financial standing if left unresolved.
Product: Credit reporting or other personal consumer reports

It is XXXX. Navient has tried to add an old account to my report that was closed in XXXX. XXXX XXXX and XXXX noticed it was fraudulent and removed the account but XXXX refuses to. How can they get away with this? How can they add an account 8 years later to my report? They are crooks and scammed me from day one with multiple loans with sky high interest rates. Please help me fix this issue
Product: Debt collection

The debt collecting company ( Commonwealth Financial Systems , Inc ) is wanting over {$2000.00} for medical bills for dates XX/XX/XXXX and XX/XX/XXXX for a hospital visit that I didn't even go to! I've tried calling but no one answers, I sent a letter telling them that they have the wrong person and nothing. I've looked at reviews for this company and several people say that they've gotten the wrong person. My credit now shows that I'm in collections for over {$2000.00}, I've been working really hard at getting my credit good and I have paid off everything that I know I owed and I know I do not owe any medical bills for these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I applied online for XXXX XXXX and XXXX  account after reading eligibility requirements which I qualify because I live and work in Washington only to be denied by Chex System Inc for the reasons I will state # XXXX Time since last XXXX inquiry # XXXX Asset ownership history # XXXX closure history # XXXX XXXX closure payment history I also can't cash payroll checks at any grocery store plus it is also the same service for apartment screening this has been a over XXXX years of being discrimination denial and I would like to be compensated and cleared of these false allegations that have been a XXXX year shaming of my character and identity just because my last name is XXXX I really don't know what pricetag to put on a XXXX decade length of false reporting of my identity and character Chex System Inc XXXX XXXX relations phone # XXXX XXXX XXXX and Fax # XXXX XXXX XXXX correcting and clearing the false allegations would be life changing rather then making me feel that the XXXX at the end of my name has kept it this way for over XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : filing complaint on This credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company Around the beginning of XX/XX/2022, I disputed several accounts on my Credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a product from XXXX called XXXX XXXX XXXX for XXXX. This item had a 30 day return policy. On XX/XX/XXXX, I notified XXXX that I was returning the item and it was shipped via XXXX. XXXX received the item on XX/XX/XXXX. However, I never received a credit. Since I never did, I filed a chargeback and American Express has recently decided against me. 

I've re-opened the dispute with proof of return. The dispute reference # is : XXXX I dropped the item with XXXX  on XX/XX/XXXX. The item was shipped on XX/XX/XXXX. And XXXX received it on XX/XX/XXXX which can be seen in the attached image. I fulfilled all obligations of the return and am entitled to a full refund of XXXX.
Product: Money transfer, virtual currency, or money service

Letter of Complaint Against Western Union Agents in XXXX  There is an ongoing practice by Western Union Agents in XXXX that is bad business practice. XXXX Western Union Agents convert 25 % of Recipients funds into a XXXX  Currency that is widely unaccepted by merchants, businesses and individuals in the Country. This means that Recipients are losing 25 % of their funds, because the converted currency is not widely accepted. While Western Union Receipt clearly indicates that for all transfers, receiver may receive less due to foreign tax, in the case of XXXX, it is not a foreign tax. Is Western Union aware of the forced conversion of 25 % of transfers to XXXX   Currency by Western Union Agents in XXXX  that is not widely accepted as legal tender in XXXX? Why isnt the 25 % conversion indicated on Western Unions Receipt?

I would appreciate that in the name of good business practice, XXXX  Western Union Agents either declare that it is a tax, and that converted transfers enjoy the same rights as a legal tender in all of Liberia, before forced conversion of transfers continues. As it stands, Senders and Recipients are being short-changed. That is, the converted funds can not be used, or will be devalued by over 25 % to be accepted by businesses. Can Western Union do something about this scheme by Western Union Agents and XXXX  Government? Lots of XXXX   on social media are fed up with this arrangement by Western Union and other money transfer Agents in XXXX.

Thanks for your prompt response.

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is inquiring about my credit score without my permission with Well Fargo. I would like my information don't be released unless I am contacted personal.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 reviewed my consumer reports and noticed that I had one late payment in XX/XX/2020 on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have not ever not once been late on a payment for this account ( below ). 

Account name - XXXXXXXX XXXX Account number - XXXX ( XXXX XXXX XXXX XXXX ( Experian ) XXXX ( XXXX ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.
Product: Credit reporting or other personal consumer reports

my rights are being violated under USC 1681a [ I ] the company has been notified that this information is a result of identity theft due to several data breaches including the SSA, and XXXX breaches I have received settlement checks because of this and XXXX is refusing to remove first premier {$740.00}, and multiple hard inquiries that should not be on my report I demand that these fraudulent information be removed with in the proper frame time and is blocked from my report within 4days of validation of FTC identity theft report
Product: Vehicle loan or lease

I sent a Notice of Dispute, Cease & Desist, and Debt Validation letter to Bank of America regarding the auto loan on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The package was sent by certified mail and marked as delivered on XX/XX/XXXX. I gave them 30 days to respond to my letters while still honoring the XXXX XXXX XXXX. They have not responded to my letters and it has now been over 30 days, but have continued to contact me via phone call, email, and mail in an attempt to collect payment regarding this alleged debt. 

I received a letter on XX/XX/XXXX post-dated for XX/XX/XXXX demanding immediate payment within 10 days of the date on the letter along with threats to " exercise the remedies available to Bank of America under the contract or applicable law '' if I did not remit payment. 

At this point they are willfully violating federal laws, my XXXX XXXX XXXX XXXXrder, and causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here are a few federal laws that have been violated thus far : 15 USC 1692D ( 1 ) 15 USC 1692D ( 2 ) 15 USC 1692D ( 5 ) 15 USC 1692F ( 6 ) ( A ) 15 USC 1692G
Product: Checking or savings account

XXXX Account with BMO Harris Bank was fraudulently opened online w/o my consent XXXX Upon discovery of the fraud, I filed with Identitytheft.gov and placed a Security freeze with XXXX. I contacted the credit bureaus. I provided to BMO Harris a Notice to Furnisher, as well as a copy of the FTC Identity Theft Report informing them of the fraud. They were also notified by phone and promised to close the account. 

XXXX After receiving a statement reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX After continuing to receive monthly statements reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX I received another statement showing the account is still open and active.
Product: Student loan

I attended the XXXX XXXX school located at XXXX XXXX XXXX, XXXX, PA XXXX. To attend this for profit school I had to take out private loans. Theses loans were at extremely high interest rates because I was a young adult with no established credit history. Some of the loans interest rates were as high as 13 %. I am not asking to have all of the loans forgiven. I am just asking for some reprieve on the increase in the loans due to the insane interest rate over the years. I last attended and completed this school in 2006 and I have been dealing with the pain of making payments on a loan that will never go away because of the high interest rates.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ) has been removed from my XXXX credit report so Equifax has to be in compliance and delete this account from my credit report
Product: Credit reporting or other personal consumer reports

This is my numerous request that you remove this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX