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

I am writing to formally express my concerns about Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights critical shortcomings in the platform 's operations. 
As a frequent user of Zelle, I have reported transaction discrepancies on multiple occasions. However, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. 
The CFPB 's findings further reveal that Zelle has failed to safeguard consumers effectively, enabling repeat offenders to exploit the platform and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and unacceptable. 
Consumers rely on Zelle with the expectation that their transactions will be secure and that any issues will be handled responsibly. Unfortunately, Zelle 's current practices undermine trust in the platform and jeopardize consumer safety. 
I urge you to address these systemic issues promptly and implement measures to enhance security, improve transparency, and ensure proper resolution of disputes.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed ( EWS ) XXXX XXXX XXXX on XX/XX/XXXX. To show proof with any documents bearing my signature showing that I have a legally binding contractual obligation to the banks listed on my consumer report on ( EWS ), and ask if they can not show proof what I am asking for please have it removed. And they replied back on XX/XX/XXXX saying all info was verified but actually didn't show any proof of what I requested. here is a sample of the letter I sent ... " This letter is in response to your recent claim that N/A has N/A verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by N/A. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at N/A regarding this alleged account. I am formally requesting a copy of any documents provided by N/A, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : I also Had a replied back from them In XXXX from my very first dispute in XX/XX/XXXX. Stating " Early Warning does not have access to account documentation and therefore unable to provide copies of any account documents. '' So if they couldn't provide what I was requesting those said accounts should be deleted instead of asking me to contact the said banks to get them. It's not my job to do so, that's why I was disputing to have ( EWS ) to show proof those supposed accounts were mines because they are not that's why they should be deleted.
Product: Credit reporting or other personal consumer reports

i never gave authorization for the following inquiries. i never reach out for an extension of credit from these companies. please see attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account as well as the dates keep changing every time I look at my credit report I lived in XXXX  back in XXXX and the dates on my credit report do not coincide with the time I was in XXXX  as well as two of the same dollar amounts by this company.
Product: Checking or savings account

XX/XX/XXXX I received an email stating I had opened a checking account. I did not. It was a XXXX XXXX Account. I called them and reported it, they closed the account and told me to have my credit froze and gave me the phone numbers to XXXX, XXXX and XXXX. I called XXXX and froze my credit and had them add Fraud alerts. I then revived mail at a later date and realized I had to freeze my credit through XXXX and XXXX and did so later that night. 
XX/XX/XXXX I received welcome email from Bank of America. Then received another email stating verify your email address. Then received another email stating Unable to Open Online Account. Please Review Next Steps.. and I assume whoever/whatever attempted to open this account couldnt do it because my credit is frozen. I havent spoke to anyone from Bank of America yet.
Product: Checking or savings account

On XX/XX/2020 my card had been charged in the approximate amount of {$1300.00}. I was given a provisional credit of {$640.00}. I was refunded the remaining amount. The bank then took back the provisional credit of {$640.00} dollars. I appealed the denial for my {$640.00} and sent proof of location and time cards as well as a police report. The charges in question are from illinois and california. The bank Navy Federal Credit Union denied my claim again for the second time. They stated that since i used my card at my gas station next to my house i must have made the in person purchases in illinois and california. They refuse to give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have had this card for 13 years and 5 months. My balance has not been increased for a long time. Longer than I can remember. Whenever I request an increase, I am denied and the reasons given are not in order with any 3 of my credit reports. I called the bank and asked about it, requested an investigation. They informed me that they do no such thing and the letter that they sent me explains their reasoning. 
I have also requested other loans through the bank that have either been denied or approved with an extremely high APR.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any assistance fromn a third party or agency. Please see the provided documents attached and ID as it entails my full complaint and request.
Product: Credit reporting or other personal consumer reports

To my shock, I found inaccurate accounts on my credit report today, and Im clueless as to why this is happening. I routinely check my report, but this time, there were sudden discrepancies. I tried refreshing the page, thinking it might be a glitch, but the errors didn't go away. I need the documents Ive provided to be reviewed carefully so I can finally stop stressing over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts were compromised with fraudulent charges, XXXX   caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need XXXX  to clear my credit report and correct it.
Product: Consumer Loan

I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.
Product: Vehicle loan or lease

I had leased a XXXX XXXX XXXX and the bank is US Bank acct # XXXX The lease was due in XX/XX/XXXX and at that time I was unable to get a new car lease ( lack of option due to lack of production due to Covid ). I called US BAnk and went over th extension options. The options given were either month by month or a 6 month extension. i choose the month by month option as I was hoping to get a new vehicle sooner than later. Each month I would call ( each call took 30 minutes as their customer service stinks and bounce you from department to department ). I would tell them that I needed to extend and would pay by phone. They mysteriously charged me tax again on the lease each month. 

Now that I have turned in my vehicle I have received a letter stating that the lease is in default and I only extended for 1 month. I am currently on the phone with them going on 1 hour, again being transferred from department to department. I am being told that there re now lease termination fees and because the lease has not been extended I know need to pay additional for all the excess miles. 

I have paid 5 additional months, on time, since the end of the lease as I have been instructed to do each month.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my accounts and remove the charge off. My accounts are expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Initial attempt to open the accounts are made, but I encountered an issue with the process. 

Contacted customer service and was informed that the issue would be resolved promptly. 
Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Another attempt to open the account was made, yet the issue persisted. 

Numerous calls were made to customer service, each time receiving assurances that the matter was being escalated and would be resolved urgently. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels : XXXX XXXX XXXX Balance : {$1200.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXXXXXX XXXX XXXX XXXX Balance : {$37000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX : {$7900.00} - This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was minsinformed by a XXXX representative that my account was current on XX/XX/XXXX. Since the account was current I made my normal payment by the XXXX of that month. It turns out that XXXX had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at XXXX have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened in XXXX of XXXX when the XXXX website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the XXXX representative said everything would be fine and thered be no late reporting. Again the rep lied and XXXX financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.