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

I am filing a formal complaint against Zelle and its associated financial institutions regarding a fraudulent transaction I reported to them, for which I have received no resolution or adequate support. On XX/XX/year>, I was deceived by a scammer posing as a legitimate business, XXXXXXXX XXXX XXXX XXXX XXXX The seller, identified as XXXX XXXX, provided the following Zelle payment details : Amount Paid : {$100.00}, Recipient Name : XXXX XXXX, Zelle XXXX : XXXX, Zelle Phone Number : XXXX, Transaction Confirmation Number : XXXX. I paid via Zelle under the impression that I was purchasing XXXX XXXX, which were never delivered. After multiple attempts to contact the seller, I received a fraudulent text from an unknown number ( XXXX XXXX ) falsely claiming my package was on hold due to a refundable insurance fee of $ XXXX obvious scam tactic to extract additional money from victims. 

I attempted to resolve the issue by contacting my bank, but they told me to report the matter directly to Zelle as Zelle facilitates the transaction. I then submitted a complaint to Zelle on XX/XX/year>, providing all supporting evidence. Zelle responded on XX/XX/year> with a generic email stating they would investigate but never followed up or provided any resolution. Despite multiple attempts to reach them, I have received no updates or assistance. This is a serious concern because Zelle markets itself as a secure platform, yet it lacks adequate fraud protection and customer support when users fall victim to scams. I have provided clear evidence of fraud, yet Zelle has refused to intervene or take action against the scammers account. Consumers using Zelle are left vulnerable to scams without a proper dispute process, unlike credit card or XXXX transactions. 

I am requesting that the CFPB investigate Zelles handling of fraud cases and require Zelle to : Provide a refund for fraudulent transactions where clear evidence exists, Improve fraud prevention measures to protect consumers from similar scams, and Increase transparency and accountability in handling complaints. I have attached all supporting evidence, including screenshots of my conversation with the seller, proof of Zelle payment, fraudulent messages demanding an insurance fee, and Zelles unhelpful email response. I appreciate the CFPBs attention to this matter and request immediate assistance in holding Zelle accountable for their failure to protect consumers from fraud.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING XXXX XXXX XXXX WITH LATE PAYMENTS TO CREDIT FILE
Product: Debt collection

Radius Global Solutions LLC is a third party debt collector and claim that I owe them {$2200.00} this is in fact inaccurate because Radius Global Solutions LLC are a third party and not the original creditor and due to that it is inaccurate. I would like Radius Global Solutions LLC to stop reporting on my credit report I want to dispute this matter and remove them from reporting on my credit report.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. - This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit card

I opened up a Citi card because they were offering a balance transfer with no interest for 1 year. Once I was approved I preformed XXXX balance transfers. One of them went through fine but the second one to XXXX has not been completely done. The Citi card shows the transfer being made but XXXX does not show any payment being posted. Therefore, each credit card shows that I owe {$6000.00} each. Of which I am still being charge interests on the XXXX credit card. This was all done on XX/XX/XXXX. I have reached out to both credit cards and am not getting the information that everyone needs. Citi has provided me with a Trace id XXXXXXXX and Cust ID XXXXXXXX and a date of XX/XX/year> and payment {$6000.00}. XXXX can't not find it with this information and asked for a proof of payment showing the account number and where is was sent to. Citi credit card refuses to give me any information other than the Trace ID and Cust ID. The Citi card has verified the XXXX credit card number and it is correct. When they put the information in it comes up as XXXX XXXX. I have asked if this was the problems and Citi credit card has said no that the credit card number matches as the correct credit card number. I have had both credit card companies on the phone at the same time as well as myself to try and remedy the issue but Citi credit card refused to talk with XXXX on the phone. This has been going on since XX/XX/XXXX and no one will help me. I have opened up disputes with each credit card but to only be told that it is the other credit card that needs to handle the issue that they can't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  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

I noticed around XXXX of XXXX I started getting charged XXXX by XXXX & XXXX by XXXX & XXXX by XXXX XXXX. I canceled my Card & got a New one in mail but the Charges Continued to happen. I've canceled Card after Card & my Account still gets Charged. On XX/XX/XXXX I Contacted my Bank ( Dave Checking ) & filed a Payment Dispute. They didn't Help in any way. I told them my Account was Compromised but they just Canceled my Card & said I Should Receive a New one in 2 Weeks. I was led to believe when I signed up with Dave I could get a {$500.00} instant Advance which I've been with them XXXX Now & have never Got more than a {$50.00} Advance. I talked to their Customer Service on XX/XX/XXXX & they said I need to wait till the Coming Tuesday & callback because on XX/XX/XXXX I tried to Pay a bill in the Amount of {$160.00} & the Transaction was supposed to Process by XX/XX/XXXX but it is still stuck in a Processing State as of Today XX/XX/XXXX. They have make me pay a {$7.00} Tip everytime I get a Advance with no option to Decline. I've tried to get Information into why but still haven't heard anything. I Recieved A New Card around XX/XX/XXXX I activated the new card & I am still being Charged {$14.00} by XXXX & {$17.00} by XXXX & {$18.00} by XXXX they knowthatmy Account is Compromised but they. They told me to wait till XXXX  to see if the {$160.00} charged to a Card they just Canceled again will go through but they just cancl3d the New Card to send another one even though there is no possible way to stop it being Compromised as well. Dave is Doing False Advertising about the Instant {$500.00} Advance & I just want the XXXX of Unauthorized Tips & Bogus charges back.
Product: Credit card or prepaid card

Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ). 

- XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full. 
- Note : I am including a copy of the check ( less my PII ) for your inspection. 
- XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ). 

- XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full. 
- XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}. 

- XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full. 

- XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}. 

How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )? 
How many months are they going to keep assessing additional interest charges for their mistake? 

- XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped. 

Please help.
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on Clarity service with Experian, XXXX, XXXX XXXX etc and especially XXXX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Experian is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit.
Product: Debt collection

I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXX XXXX United Revenue Corp United Revenue Corp stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXXXXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # : XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX 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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am writing to further address and elaborate on the concerns previously outlined regarding the Retail Installment Contract for my XXXX XXXX XXXXXXXX, purchased on XX/XX/2017. My review of the contract and the corresponding SEC Form 10-K filings of your company has revealed additional discrepancies that necessitate clarification. 

To reiterate, the initial agreement, as per the Retail Installment Contract, was between myself ( as the buyer and co-buyer ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( the seller-creditor ). However, my post-purchase interactions have been solely with Regional Acceptance Corporation. This shift in dealing parties suggests a lack of transparency in the transaction. As a bona fide purchaser, I was under the impression of obtaining a vehicle loan, yet it appears the seller-creditor received payment through my security ( the retail installment contract ) and subsequently transferred their liability to me, benefitting all parties except myself. 

Furthermore, Section 2c of the contract states that all costs associated with the vehicle, including insurance, maintenance, and service, would be covered by this security. Contrary to this provision, I have personally borne these costs. This section also asserts that the security would cover all contract-related costs, yet I have been making these payments independently. 

Additionally, I have concerns regarding Section 3f, which outlines repossession procedures. It specifies that I would receive written notice prior to repossession, which did not occur. Moreover, the contract includes an arbitration agreement, yet no arbitration was undertaken prior to the vehicle 's repossession. 

Beyond these issues, upon examining the details pertaining to Regional Acceptance Corporation, an affiliate of Truist Bank, I noted an overlooked aspect. The original purchaser is ostensibly entitled to receive payment each time the security or contract is sold. I have not received any monetary compensation from the transfer of my security, which raises questions about the compliance with this clause. 

Lastly, I propose a resolution to give value to the original contract by endorsing it as " pay to the order of Regional Acceptance Corporation '' by myself, the purchaser. This action is intended to fulfill my end of the contract and effectively clear the liability balance from the contract. 

Your prompt and thorough attention to these matters is highly anticipated. Clarification and resolution of these discrepancies are crucial to maintaining the integrity and fairness of our agreement.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to FCRA XXXX XXXX XXXX a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

In Accordance with the Fair Credit Reporting Act. 
The XXXX Account of 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 : Also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.