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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Suntrust bank froze my account for fraud and closed it some days later, the reason was that i received a grant for my business deposited n my account I have supplied the bank, with my Ein #, business licenses from three, both award emails from the SBA stating the amounts that was being deposited, letter for the FOIA legal department with SBA giving information about me and the grant, tracking number for the grant, SS card, driver license. Even after presenting my documents they still closed my account and accused me of fraud, and froze the account and holding my funds indefinite. No one from the local branch would help me, wouldn't allow me to speak with the vice president to present my documents to. I feel that I am being profile in some way, I have tired multiple time to clean this issue resolved but Suntrust haven/t giving me any option. I filed complaints but the people I tired filing complaints on was the one filing the complaint. I have received nothing but XXXX, XXXX, and XXXX from trying the resolve this issue. I have not committed any form of fraud.
Product: Bank account or service

In 2008 we left XXXX and retired to XXXX. Therefore, we closed out our Wells Fargo deposit box. We took all the contents with us in our move. We naturally expected that since we closed our box we would no longer be charged for it. However, we have found over the succeeding eight years that we have been charged for this closed deposit box. We have sent many email and phoned numerous times over the years but have were told it would be taken care of. It never was. We continued to be charged for a box we no longer had.
Product: Mortgage

This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. XXXX - XXXX XXXX XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedy requested Experian to remove these 3 accounts that are fraud accounts. One is in a fraudalent bankruptcy that was already deleted off of Experian because it was fraudalent the account in question in the bankruptcy that was deleted is XXXX XXXX XXXX. The next account is XXXX XXXX XXXX acct # XXXX which is a medical bill that I have never had service with. The third account is XXXX XXXX bank acct # XXXX which does not belong to me. Experian is violation my rights under the Fair Credit Act 18 USC 1028 ( A ) I am requesting for these 3 accts mentioned to be removed immediately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am submitting this complaint to the XXXX, XXXX and TransUnion Bureaus today to follow up my previous complaint I presented to them. I kindly remind the Credit Bureaus to please provide my request for inquiry removal with prompt cooperation and professionalism : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you complete the investigation and accuracy of the account listed below : Account Name : XXXX. # XXXX The issue has already been addressed with Equifax and they did not modify or delete this information from my consumer report. They have also taken more than 30 days to complete this investigation.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 
If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ARXXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A drop in my credit suddenly appeared on three credit reports, Equifax, XXXX, XXXX showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX I do not have a XXXX XXXX XXXX account. The purchases on the fraudalen card were made in XXXX XXXX I live in XXXX. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX  XXXX XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX  XXXX XXXX, law enforcement, SS Admin. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX explaining : - The loan balance is incorrect and the loan duration -I provided XXXX with my previous consumer finance complaint in which XXXX XXXX XXXX they were behind in updating the credit bureaus. 
-My report has not been updated since XX/XX/year> with the correct information. 

I am only asking what is outlined as a right as a consumer per the Fair Credit Reporting Act my report must contain correct accurate information. This account listing incorrect information is affecting my consideration for other credit products. 

XXXX personnel explicitly ignored the previous documentation I provided outlining my information was incorrect for this account. They failed to complete their own investigation and checked a box and moved the file along. 

XXXX dispute results provided to me today stated they have confirmed the information on my report is accurate and that is false.
Product: Debt collection

Today, I received an email from a company called TrueAccord Corp, a debt collector trying to collect a debt to XXXX XXXX XXXX. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX XXXX with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
Product: Debt collection

This company has provided incorrect information to my credit profile and I would like to get this disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.
Product: Credit card or prepaid card

Placed a purchase on XX/XX/XXXX using Capital One Mastercard and the advertised cashback was supposed to yield {$14.00} ( 6 % ). Did not receive the reward on my card statement ( it is reflected as a credit ) within 3 business cycles. Called on XXXX XXXX. @ XXXX and spent close to an hour on the phone across 3 representatives, before being told a manual adjustment would be made. On my next statement, only {$1.00} had been credited. Called back on XXXX XXXX. @ XXXX, spent close to 45 mins on the phone before the representative submitted a claim for the balance. Told I should see the credit in 7-10 business days. Called back on XXXX XXXX, ended up spending XXXX XXXX on the phone across 3 representatives before they indicated that the right adjustment ( {$1.00} or 0.5 %, 5.5 % less than advertised ) was made. They also insisted that the % advertised on the date of purchase was 5 % and unless I had proof, they could not honor the 6 %. I left the call indicating I would be reporting them to CFPB and the XXXX. Because of prior issues with this merchant/program, I have been keeping a record of when I make a purchase, the amount, the cashback %, the cashback amount ( in $ ) I should receive, and the date of the statement when I receive the credit back. It was 6 % on XX/XX/XXXX and there is no way to prove that ( which I was asked to do on this last call ) unless I had the foresight to take a screenshot when I was in the system. Their system does not have an easy way to save that information for future reference and it is clear they are manipulating the percentages. They also change these cashback percentages frequently, so you may get 5 % today, 2 % tomorrow, and 10 % 3 days later. This merchant is cheating customers and have engaged in bait and switch to get you to use their program/card then not respecting their promotions.
Product: Debt collection

I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.
Product: Debt collection

I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.
Product: Debt collection

After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam. 
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear. 
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway. 
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX. 
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe.
Product: Credit card

My CapitalOne credit card says " XXXX day billing cycle '' when it is really only XXXX days. My billing cycle has always been XXXX days after XXXX of service. My end date for XX/XX/XXXX was on the XX/XX/XXXX, my next bill cycle should be through the XX/XX/XXXX but instead my bill is due on the XX/XX/XXXX. I called to explain that they have their dates incorrect but the woman ( was speaking to someone outside the XXXX ) kept talking in circles never admitting that my account is now being billed incorrectly. My APR is very high so it 's important that they stick to the consumer agreement of a " XXXX day billing cycle ''. Since this is a big bank and impossible to fight, I got nowhere with the call. Can you help me?
Product: Debt collection

I have written this company every month beginning XXXX XXXX XXXX  explaining to them that this account does not belong to me. I requested that they provide the original contract with my wet signature and date and terms ; but I have not received it as of this date-XXXX. I discover through research that they arent authorized to collect in the state of Florida.
Product: Checking or savings account

A fraudulent account was opened with Bank of America XXXX XXXX in XXXX year. Both times I received an email stating that an online account can not be opened, and then received a subsequent email that the account was verified and opened. This has only ever happened with BoA. BoA also would not put a hold on my profile to attempt to prevent this from happening further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3.XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, Transunion, XXXX, and related companies to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I could not find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Product: Mortgage

NOT A DUPLICATE COMPLAINT - XX/XX/XXXX BOA Home Loans dba Countrywide was paid {$1400.00} meant for the escrow account of their loan to pay for a XXXX dba XXXX XXXX and casualty annual premium to which the policy was drawn up and submitted XX/XX/XXXXXXXX  by a XXXX, OK insurance broker, as well, this amount was billed to BOA dba Countrywide. I made the payment XX/XX/XXXX and under a {$3000.00} overdraft protection policy at BOA NA, the payment was paid to Countrywide XX/XX/XXXX. SEE ATTACHED BOA NA Card as proof of payment. SEE ATTACHED BOA Home Loans Loan History BOA dba Countrywide failed to record this payment to my escrow account. BOA dba Countrywide then required I make a duplicate {$1400.00} payment with my {$1400.00} XX/XX/XXXX loan payment to which I did in the amount of {$2800.00} XX/XX/XXXX which cleared my bank at BOA NA XX/XX/XXXX and both the 2nd surplus escrow payment of {$1400.00} and the XX/XX/XXXX loan payment were both credited to my loan history. XX/XX/XXXX, BOA Regulatory Agent responded to my request for investigation and determined conclusively that the XX/XX/XXXX loan payment reversal on XX/XX/XXXX was specifically meant for the XX/XX/XXXX loan payment and no other payment was intended for the payment reversal, and XXXX XXXX made it clear there was no evidence available to him on XX/XX/XXXX to suggest the reversed payment line entry was meant for XX/XX/XXXX. BOA Home Loans caused every payment from XX/XX/XXXX to XX/XX/XXXX to be allocated one month before the payments were intended, causing inaccurate payment history and loan balances in principal, interest and escrow to be set back one month more in arrears than my actual payments were factually made.
Product: Debt collection

I had medicaid during this time, but the company billed me instead of my insurance..
Product: Credit reporting or other personal consumer reports

I closed out my account with XXXX last year when i found out that my account had been breached! I received a alert from Transunion that this company but a XXXX off on my credit report! I tried to dispute the Debt wit the company they sent me back a OLD XXXX XXXX i tried disputing it with Transunion they said the debt came back valid ( but could not provide me with proof of any XXXX agreement that I had signed with my wet signature nor the CORRECT amount owed to XXXX which is XXXX NOR MY CORRECT XXXX ACCOUNT NUMBER! ) Transunion is in violation of my wrights according to Fair credit reporting act this creditor has violated my rights under 15 USC 1681 ( sec.604a section 2 ) which also states that a consumer reporting agency CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Which Transunion did! Not only did they violate Me! Transunion is also in violation of my rights for not reporting ACCURATE information on my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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, credit repair services, or other personal consumer reports

HARD INQUIRY REMOVAL IS IMMEDIATELY REQUIRED - UNAUTHORIZED, UNAPPROVEDHARD INQUIRY REMOVAL IS REQUIRED. THIS HAS NEGATIVE, ADVERSLY IMPACTING MY CREDIT LETTER ATTACHED