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

I am writing to 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 have failed to investigate my claims adequately. I was informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible, the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving its users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I *believe* the original debt is from XXXX 
I'm guessing because I have never seen the bill, from the original supplier or from this collector - IC Systems. 
I want to know what the charge is for, for what service. 
I closed this account with a {$0.00} balance and years after, this went to collection. For {$120.00} that I do now owe and I'm not going to be extorted for {$120.00} when I have never seen any evidence of what the dispute is over. 
Moreover- this IC Systems submits the collection to credit reporting agencies, revokes it, and then re-submits it months later to avert its expiry. So, it shows up multiple times over years, still with no proof of the original debt. 
I will NEVER EVER pay for a debt I do not owe, *particularly* when it's part of this IC Systems extortion scheme and terrible business practices.
Product: Debt collection

I recently checked credit report and I have unauthorized accounts in my report that are in debt collections and I 'd like to get them removed
Product: Credit card or prepaid card

I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being discriminated by Transunion. My credit card bill is due XX/XX/2021. Today on XX/XX/2021, Transunion lowered my credit score by 3 points for having a balance on my credit card. THE BILL IS DUE ON XX/XX/2021, 17 days from today. 

Transunion has not answered my questions, I keep getting the run around. I pay off each credit card monthly. My credit score should not be lowered for a balance that's not DUE until XX/XX/2021. 

Transunion keep my XXXX XXXX the same for 5 months?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from XXXX XXXX XXXX and Equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the continued presence of fraudulent items on my account, despite many attempts to rectify the situation. This letter serves as a formal complaint regarding the second unsuccessful attempt to remove these fraudulent entries. 

Not only has this situation caused me significant stress and inconvenience, but it also calls into question the effectiveness and reliability of your institution 's security measures and procedures. As a customer, I rely on your institution to safeguard my financial interests and ensure the integrity of my accounts. The recurrence of fraudulent activity despite our efforts raises serious doubts about your institution 's ability to fulfill this responsibility. 

I urge you to take immediate action to address this matter comprehensively. This should include a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as the implementation of enhanced security measures to prevent similar incidents in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting

I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed DoFD in 2008. I have never heard of XXXX. I never received any correspondence from XXXX or XXXX. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
Product: Credit card or prepaid card

This company started a scheduled maintenance in XXXX of 2022 and since then I have been unable to access my account online. It gives an error message and does not allow me to pay. I have to call customer service to make a payment, which hold times are over 3 hours usually and the rep adds a {$9.00} charge everytime I make a payment over the phone even though are no alternatives! They have marked my account late over and over again even though the agent on the phone always tells me to call when the outages have cleared up to get a waiver for those lates I am stuck with this item on my credit with no options while they charge me late fees, over the phone convenience fees, and lock my online account so I can't even check the status. They call over 15 times a day when they are in need of payment but during business hours even though I told them I can not answer while working but then their call center is closed when I get off work. after doing online research i see that there are MANY account holders experiencing issues with this company and it feels like a scam. I ALSO WAS SUPPOSED TO GET A {$1000.00} REFUND ISSUED TO MY CARD, THE DENTIST SHOWED ME WHERE THEY DID THE REVERSAL BUT THE CREDIT NEVER SHOWED. I am really frustrated and tired of chasing these people down just so that they'll take more of my money. I honestly feel uncomfortable continuing to hold an account with them.
Product: Mortgage

PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file U.S. Bankruptcy Court XXXX XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went to XXXX apartments and talked to the owners they are willing to clear up everything but no one is returning her phone calls
Product: Vehicle loan or lease

After making my last payment, I was told nothing further was due and that I had a zero balance. Nine days later the vehicle was totaled and my insurance company submitted a check to the loan company for the majority of the loan amount. The gap insurance covered the remaining balance on the vehicle. I called to check on the progress and was told I owed nothing further and to allow the insurance and the gap to take care of the balance. About a month ago, a dealership asked me why I had a repo on my account from North State Acceptance, the loan company in question, and that they had written my account off with a balance due. After contacting North State and telling them the exact same thing Ive written here, they have yet to get back to me after Ive tried contacting them 4 separate times.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} - Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax received a request to reinvestigate accounts based on results received from a previous dispute on XX/XX/XXXX. 

I asked Equifax to provide the names, phone numbers and business addresses of each individual with whom you verified the above accounts and the exact description of the procedure used to verify the accounts. According to 15 USC 1681i, Equifax is required to provide the description within 15 days after receiving the request. Equifax did not fulfill this requirement.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Additionally, Equifax did not complete the investigation within the 30 day period as required by law.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX
Product: Debt collection

Theres an account we XXXX XXXX, that I have no knowledge of
Product: Bank account or service

To Whom this may concern, This is my third attempt to try and resolve my issues with US Bank outside of the court system. US Bank is reporting me to XXXX even though they said, : " If you pay the amount off in full, we will update and remove you from XXXX. '' I have over a dozen calls logged to US Bank along with some letters. In addition, because I opened my account online, I did n't have a home branch to work with, like the US Bank representatives requested I did. My last letter from US Bank referenced " fees '' after I expressed that I felt I was charged in excessive. Per the letter, each branch will have " fee '' brochure available in the lobby. After visiting the XXXX XXXX, Ca lobby ( pictures attached ), I was unable to locate them. SO, I was never provided the fees nor does this branch have them available, at the time I visited. If US Bank is not going to remove me from XXXX 's I would like to know why since the transaction was under {$100.00}, but I paid over {$200.00} in fees.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2009 this has been happening. Identify theft feel like the world is against me ... I just hope people realize someday soon how such an act that isnt violent really doesnt actually feel harmless to the ones going thrue it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX DIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Product: Credit card

I received a response from Chase but does not answer my question They say I have been given a coutesy credit but this only cancels {$60.00} payment I made XX/XX/XXXX I received XX/XX/XXXX letter It bascially says still researching If you see my info Following : This dispute has been in progress since XX/XX/XXXX My records show : XX/XX/XXXX ( {$60.00} credit ) XX/XX/XXXX rebill {$60.00} XX/XX/XXXX I made payment {$60.00} and not a credit XX/XX/XXXX ( XXXX ) credit Thus I did not get credit for dispute as there two credits, one rebill ( XX/XX/XXXX ) and my payment {$60.00} on XX/XX/XXXX statement In summary three {$60.00} billing ( including my {$60.00} payment ) and XXXX credits ( XX/XX/XXXX, XX/XX/XXXX ) so I fail to see where is credit XX/XX/XXXX Chase agent response said following : XX/XX/XXXX posting {$60.00} XX/XX/XXXX {$60.00} credit XX/XX/XXXX rebill {$60.00} XX/XX/XXXX ( {$60.00} credit ) NO WHERE DOES XX/XX/XXXX CHASE agent match my stsements with his data given Again help me understand two rebillings {$60.00} actual payment XX/XX/XXXX {$60.00} and XXXX credits XX/XX/XXXX and XX/XX/XXXX XXXX plus billings ( including XXXX payment ) and two creditis does not equal XXXX to my account
Product: Debt collection

XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again