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. 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.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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received a copy of my credit report and I see there is inaccurate information for my personal information section. To diminish speculation my personal information is as follows : Legal name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Employer : XXXX XXXX Please remove any other references to my name, address, and employer as they are not mine and I have never used them. Also, please send me an updated copy of my credit report when these changes are made. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 has 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 your act without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My issue is regarding Wells Fargo and XXXX XXXX I received a check for my taxes of XXXX XXXX XXXX XXXX XXXX  and Wells Fargo decided to close my account and put my check on hold for 10 days. This caused my XXXX XXXX  payments to be returned and my account is now closed. I spoke to XXXX XXXX multiple times and they gave me the same explanation and I spoke to Wells Fargo and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account ima. Good stage and this has affected me deeply mentally and emotionally and specially financially
Product: Bank account or service

On XX/XX/XXXX at XXXX XXXX I met with Assistant Operations Manager of Bank of America ; XXXX XXXX ; Officer, Financial Center Operations Manager, XXXX XXXX XXXX ; Bank of America XXXX The XXXX, XXXX XXXX, XXXX XXXX informed XXXX XXXX that my personal account XXXX has been levyed. I informed her that at Deposit was made directly into this account form XXXX XXXX County Workman 's Compensation Fund in the amount of XXXX on XXXX XXXX and that the monies were frozen since XXXX XXXX, 2015. I showed her a copy of the deposited amount and she verified it on the account. I also informed her I was being represented by Attorney XXXX XXXX, XXXX of XXXX XXXX XXXX at Telephone XXXX and XXXX and XXXX XXXX at XXXX as Co-Counsel. I informed XXXX that I have not received any notice from the bank that a garnishment order was received, the date the order was received, a brief explanation of the garnishment, an explanation of the bank 's responsibility to protect federal benefit payments direct deposited during the look-back period and keep them accessible to the account owner, the requirement that the bank identify any protected deposits during the review, and an explanation of how I can assert other exemptions in the garnishment action to try to protect any funds that the bank must freeze and provide the written name of the creditor who obtained the garnishment order and contact information. I also informed XXXX XXXX that XXXX State Law EIPA protects financially struggling families from losing all their money. In accordance to XXXX State Law, the Bank must allow you access to at least {$1900.00} - {$2600.00}. Assistant Operations Manager XXXX XXXX said she would forward this information to the Bank of America Legal Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz of XXXX ran my credit three times with out my consent the inquiry dates are XXXX  2018 ,XXXX/18 ,XXXX/18 under MB Fin SvCs
Product: Bank account or service

US Bank is telling me a charge to my acct. was n't an unauthorized transactions because I used the acct. before to pay these people Which is true but I did n't authorized them to take out a payment form US Bank on XX/XX/2016 and they refuse to accept the dispute and keeps adding more fee 's to my acct. I have complained about this now for over XXXX days for this unauthorized charge from XXXX for {$91.00} on XX/XX/2016. I sent in proof showing this was paid on the XXXX from my other bank as I planned to do If I would have saw this {$91.00} had posted before I transferred {$1500.00} I never would have put that money into the acct. and I refuse to put the balance due for the {$1800.00} after the {$1500.00} dep. that would have been eating up by this {$91.00} charge because I was n't going to pay this unauthorized charge now they are saying my acct. will be closed by the XXXX for these outrages charges and not doing their job to respect that the charge was " UNAUTHORIZED '' I have been charged ( {$190.00} ) in FEE 'S after charge of {$91.00} I Did Authorized charge for {$1800.00} ONLY! nothing else! ... I was n't going to pay all these fees just would eat that money up and Keep Doing What It Is Doing NOW! Overdraft, Extended Fee 's etc ... If I would have saw this I would n't have put that {$1500.00} into bank I REFUSED TO PUT ANY MORE MONEY IN MY ACCOUNT UNTIL THIS IS CLEARED UP AS YOU SEE ITS BEEN XXXX DAYS & STILL NOTHING HAS BEEN DONE US BANK BUT TO PUT MORE & MORE FEE 'S THEN TO CLOSE MY ACCOUNT WITH ALMOST {$200.00} IN JUST FEE 'S EMPLOYEES ARE N'T DOING THEIR JOB TO BUSY TELLING ME WHAT THEY THINK IT SHOULD BE OR WHAT HAPPEN! I 'm making complaints to BBB, FEDERAL RESERVE, cfpb, TOP CLASS ACTION LAWSUIT INVESTIGATION - Into 'Extended Overdraft Fee ' or 'Continuous Overdraft Fee ' Overdrawn Balance Charge,
Product: Credit card

Last night I received an unsolicited phone call informing me that a credit card with XXXX XXXX XXXXXXXX XXXX ( $ XXXX ) and XXXX XXXX XXXX  $ XXXX ) were established in XXXX using my social security number without my authorization XXXX. Apparently my SSN is public record because of violations to XXXX with regards to to paying interest rates with American Express and XXXX. After a phone transfer to XXXX XXXX XXXX, I was offered a Debt Validation Plan. I was hesitant to accept the plan because of phone transfers from banking institution to CFPB. It was apparent my data had been breached as I only confirmed information they already had at their disposal, Interestingly after hanging up, I received another call almost instantly from someone purporting to represent AmEx on an unauthorized charge of over $ XXXX and then another call from a XXXX representative to close my account because I didn't accept XXXX 's offer. He then reconnected me with XXXX rather than share the number for my follow-up. 
I was on the phone for an hour and a half an found the entire transaction suspicious. 
I first need my SSN frozen and then we can deal with the high interest rates as I have frozen both credit accounts,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX  XXXX  XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

we internally refinanced with Oceanside Mortgage Company on XX/XX/XXXX. XXXX XXXX told us that the check we wrote for {$770.00} on the closing date would be for our XX/XX/XXXX mortgage payment. On XX/XX/XXXX I received a mitigation email saying that we had missed our XX/XX/XXXX mortgage payment. After calling XXXX back they said that it would be taken care of and they would apply the funds to our mortgage payment. That was not completed. Today I have spoken to XXXX in customer service, XXXX XXXX, and a man by XXXX XXXX. XXXX and XXXX XXXX could not figure out what happened or where our money went. XXXX XXXX told us that our escrow account was short, and that they had take n the check we wrote for {$770.00} to our escrow account and that we 'should have known ' that were going to owe for XX/XX/XXXX, when XXXX XXXX told us that was what we were paying at closing. They have now said that they will " try '' to remove any bad marks from our credit report. and " try '' to remove any late fees. They were not helpful, and basically told me I needed to Pay XX/XX/XXXX, and did not take any repsonsibility for what their loan officer, XXXX XXXX, told us. I feel taken advantage of, like I was liked to just so he could close a deal. I have spent over an hour and 15 minutes on the phone with this company today, and was transferred 3x.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account with XXXX XXXX XXXX XXXX ; that account is open, and that account is not late 30 to 60 days Yet this one XXXX XXXX XXXX XXXX Account reports in duplicate on two crediit Bureaus and three times on the third credit bureauu. Each and every time this reports, it reports incorrect status, closed, written off, charged off, the balance is incorrect on each and every one of them, and they all report written off as recently as last month and late 60 days this month. Everyone of these derogatory items is incorrect Credit bureaus will not look at my paperwork and correct the balance. SEE ATTACHED Credit bureaus will not look at my paperwork and correct account as being an open account. SEE ATTACHED Credit bureaus will not delete duplicate or triplicate accounts from my credit report. These duplicate or triplicate accounts are obvious on their face because theyre all were opened the exact same date in the exact same amount... .Insane to continue to report more than once every time they get XXXX XXXX to confirm it, they just make all the derogatory items worse, and everything gets worse when reported on crefit reports
Product: Vehicle loan or lease

On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noted an account on my Experian credit report from XXXX not belongs to me, and then called Experian customer service to remove that account. As confirmed with XXXX XXXX XXXX fraud reporting team, that account doesnt belong to me or under my SSN. On the call with Experian team, they agreed to remove that incorrect account for me, but later sent an email requesting me to file more report with federal agency or police agency, which is totally inconsistent with their promise on call or what is necessary to solve this issue. In the end, it is Experians fault to not closely review the information added to my report, causing this issue, and now causes more difficulties than needed to correct the issue.
Product: Student loan

On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.
Product: Credit reporting or other personal consumer reports

Requested my consumer report, multiple times by email and telephone and certified mail with the required documentation to prove my identity to include my driver 's license passport and social security card but Equifax continues to send a letter requesting my social security card and photo identification to prove my identity, which tells me they are not reading my request or taking them seriously. My credit report has multiple errors and Equifax is in violation of FDCPA 1006.30A and 15 USC 1681b2. 

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/, EQUIFAX, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.I have not given you written permission to put anything on my credit profile 15 USC 1681b2.You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.I refuse to pay this alleged debt. Cease and Desist all collections activity AND DELETE FROM MY CONSUMER REPORT! YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into certain accounts that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX. XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit reporting or other personal consumer reports

I have had trouble disputing with the credit reporting agencies. There are unauthorized accounts reporting on my credit file that I am requesting to be removed from my file. I have supplied all appropriate documentation. Experian did not conduct a proper investigation before reporting this information, violating multiple provisions of the FCRA. indicating a violation of the Fair Credit Reporting Act 's requirement for maximum accuracy under 15 U.S.C. 1681e ( b )., which requires consumer reporting agencies to maintain reasonable procedures for maximum accuracy in reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am requesting the removal of a bankruptcy from my XXXX report, and Trans Union report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.