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 the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tacking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

This is my 3rd complaint against this same " mortgage company '' I 've been trying to get this mortgage to honor the agreement that I had with XXXX XXXX XXXX for 2 years now. I mailed a certified letter on XX/XX/XXXX signed on XX/XX/XXXX to BSI Financial for the following documents to be sent to me. As of XXXX. I have not received ANY documents. The documents that I requested were my Hud-1 Settlement Statement, Copy of the Promissory Note, Deed of Trust, XXXX Uniform Loan Application, Truth in Lending Disclosure, Good Faith Estimate, Copy of XXXX ( XX/XX/XXXX ) ; Copy of tax credit, Copy of PMI/Title Policy. If this company is a legitimate company providing the requested documents should n't be a problem.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I am contacting you because I have found some information that is inaccurate on my consumer credit report. Please remove this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for inaccuracies and false reporting because the payment histort reflects XXXX that XXXX is reporting 30 days late, and XXXX is reporting XXXX as 30 days late, and Experian is reporting XXXX as on time. This is inaccurate reporting of the payment history with the account, XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through thXXXX XXXXXXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX of XXXX, I got a call from Chime Financial at XXXX XXXX. They asked if I tried to use my card ending in XXXX at XXXX, and XXXX in Florida. I said NO. They proceeding to tell me they see someone else is logged in my account and that we need to change my log in and password to prevent anyone else from doing any more fraudulent transactions. So the chime representative proceeded to send me a text message for me to tell them the code that was sent to prove it was actually me. They also sent an email for me to click the link to proceed with changes. I was on the phone with who I thought was a chime representative for 45 min 17 seconds. Before the phone call ended the chime representative said to wait an hour before logging back in. That 1 statement is when I realized something was not right with that phone call. I immediately logged back into my account and saw that XXXX was transferred from my savings to checking and 2 transactions from XXXX XXXX XXXX were made. I immediately called chime back and put in the disputes for both transactions. I went to XXXX, VA police department got a report made. The police report number is XXXX. I sent chime a screenshot of the phone call that chime called me at XXXX XXXX, screenshot the text messages, and the email from who I thought was a chime representative. The disputes were DENIED today. I called chime back this morning and had the disputes re-opened. I have gone with NO money since this happened. They are supposed to ensure my money is protected. I am a XXXX veteran. I am so hurt and angry that money has not been returned. Im hoping the word gets put out about this SCAM so it does not happen to ANYONE else. Please help me get the word out and get my money returned. 
Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SAM ; S ACCT HAS BEEN PAID DOWN TO {$200.00} BALANCE > STILL SHOWS {$910.00} THAT I OWE > PAID OVER MONTH AGO. ACCT XXXX XXXX
Product: Credit card

Milestone credit card sent me a credit card I never applied for. It had a {$170.00} annual fee and a 36.5 % annual interest rate, and a {$700.00} limit. I have a credit score of XXXX and XXXX cards with limits in excess of {$10000.00} one with {$25000.00}. 

When I called they wanted my SS number I would not give it to them because I fear they are the fraudulent party. 

They assured me if I did not activate the card, which I destroyed, that I would not be charged the fee and the account would be closed. 

Now the {$170.00} appears on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a public record item on my credit report. The item in question is XXXX XXXXXXXX XXXX XXXX XXXX # XXXX which I previously disputed with you. In response to my dispute, you verified the item as accurate, stating that you had verified the information with the court. 

However, I have recently contacted the court and they have informed me that they do not report to you or any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
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 indicates 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

I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
Product: Credit card

Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB complaint to you today to attempt to request the removal of the fraudulent accounts and information I found on my Credit Report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items from my Credit File as soon as possible : 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

XXXX XXXX credit card opened XX/XX/XXXX credit limit {$1500.00} account closed charge off or paid XX/XX/XXXX
Product: Debt collection

Received a phone call from XXXX XXXX CA phone number XXXX XXXX XXXX XXXX. Caller asked who I was, I never stated I asked " May I ask who is calling '' the caller stated they where a debt collector and asked to verify my address. The caller stated an old address I no longer lived at. The caller stated only the numbers and street and ask me to verify the city and state. So i verified the city and state, they caller then told me that I had a past due Balance of {$580.00} with XXXX. I told the caller I never had XXXX service I have XXXX they caller then stated " Oh I 'm sorry then my mistake '' then hung up the phone.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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
Product: Debt collection

I had a prepaid paypal account. I can not get any prepaid cards and the debt is not from XXXX the debt is from SIMM associates Inc affiliate and or subsidiary of XXXX. These devt collectors are individuals who obtained licenses during the pandemic for this nation crime fund from the american war world ll from forgery POA. This debt collector is my identity thieves stalker harrasser etc.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX No one was able to assist me with changing from personal to business accounts. My account was not able to receive any funds. I lost donations for my nonprofit organization that serves homeless and hungry families.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} 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: Checking or savings account

The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. 

Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. 

Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. 

I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. 

I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. 

I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. 

Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge off ( closed account ) Amount due : {$500.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX threatening to take me to civil court for a payday loan that I never applied for nor did I receive. The company is in California and I am in Texas. I know this does not belong to me because up until recently I had my credit locked since XX/XX/year> due to identity theft. The letter also states that they reserve the right to subpoena my parents and claiming I listed them as references. My parents do not support me financially nor would they agree to this. This company also listed my credit score on the letter which is an even more cause for concern as I never authorized this company to pull my credit. I have already reviewed my personal accounts with all 3 credit bureaus and this loan has never been on it. I am starting to believe this might be a scam.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX Dealership tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by 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

XXXX XXXX XXXX is showing up as a XXXX collection account on my Equifax Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my Equifax report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called XXXX XXXX XXXX on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called XXXX XXXX XXXX again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with Equifax and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the equifax report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XX/XX/XXXXand they have no prior records. We applied to get an apartment they told us no because this was on my credit report. XXXX XXXX XXXX says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. Equifax says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from XXXX XXXX XXXX or Equifax. XXXX XXXX XXXX says they cant help me but from what Equifax Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing for Bankruptcy XX/XX/XXXX, SPSERVIING and XXXX XXXX, where on my credit report as a history and showing that I have a mortgage account. It is now XXXX, XXXX XXXX. According to XXXX Credit Reporting Agency, SPServing  requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. SPSERVING needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, XXXX, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.