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

I am written 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 the tracking these transactions are infeasible. The CFPBs findings indicate that Zelle has not only neglected to provide protection for their consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to validate or remove inaccurate items on my credit file. I mailed letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter deleting but also verifying fraudulent accounts. My identity was compromised in the Equifax data breach. Equifax has not removed any unverified item.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 Home Point Financial experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days. 

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy and 15 U.S. Code 1681e ( b ) - Compliance Procedures to Assure Maximum Possible Accuracy of the Information.

Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. 

In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit card

male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information
Product: Checking or savings account

On XXXX XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XXXX XX/XX/ 2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XXXX XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. My bank has informed me they have filed the claim but have not heard back from Wells Fargo regarding the transaction. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.
Product: Payday loan, title loan, or personal loan

PA  business grant lender denied access to my PNC Bank business account
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA clearly states that a consumer reporting agency must delete information from a consumer 's file after 30 days of an investigation. It has been more than 30 days and TRANSUNION has not provided me with a response to my complaint # XXXX. Also this account was not marked as disputed per 15 USC 1681b therefore should be deleted immediately. XXXX XXXXXXXX XXXX  XXXX XXXX account # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian update your records by removing an old address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX and only reflect my current address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Current Address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. 
Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that 3 credit bureaus made. The objects are listed below : 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally submit a complaint regarding the Cash App settlement claims process, which I believe has been handled unfairly. I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act RFTA and Regulation E. These actions have caused significant damage inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My mother opened this card several years ago. She put me as a card holder on this account without my acknowledgement. In XXXX I was removed from this account as I had filed bankruptcy. This credit card has never showed up on any of my credit reports. My mother passed away in XX/XX/XXXX. I contacted Target Card Services to advise them of her passing and sent a death certificate as well. Target then began sending me the bill and reporting this on my credit. When I called them they said that the account would be closed and no further action was needed. I am still receiving a bill from them in my name and this is affecting my credit report. I called them on XX/XX/XXXX to find out why, they sent me the fraud department but they were no help saying that I was responsible. I told them I would pay the bill minus the late fees since XXXX ( the month of my mothers passing. At this point I was told that they could not accept payment from me because it was included in the bankruptcy from XXXX. I am unsure what to do at this point and do not want this affecting my credit.
Product: Payday loan, title loan, or personal loan

This is in response to file number XXXX. 
Comenity Capital Bank, XXXX XXXX XXXX XXXX responded on XX/XX/2020 that I used the account and failed to close it in thirty days. 
The document provided did not show terms and agreements with the option to cancel within thirty days. 
I contacted XXXX XXXX XXXX XXXX on XX/XX/2020 requesting an explanation on the approval of the loan and to have it withdrawn as stated in the following emails communication between XXXX XXXX and myself thus their statement of failing to contact the Company or vice versa is false : XXXX  XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to solutions Customer Care, I was recently approved for a loan {$11000.00}. Can you provide me with the application and an explanation of the criteria used to approve the loan? 
Best Regards, XXXX XXXX. 

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to me Hello, Thank you for contacting us here at XXXX XXXX XXXX XXXX XXXX I would be happy to assist you today. 
I am unable to locate an approval for you on my end. Did you apply for a personal loan or a patient solutions account? If you applied for a patient solutions account, you would need to give us a call for assistance. However, generally speaking, we look at your entire credit history to determine if you are eligible for financing. We have no minimum credit score requirements. 

If you have any questions, we are here Mon-Fri XXXX EST. Our phone number is XXXX. 

Thank you!, Questions? 

Text us at XXXX or click link below to chat live! 

cid : XXXX XXXX XXXX EST __________________________________ XXXX XXXX Chat & Email Specialist XXXX XXXX XXXX XXXX XXXX f XXXX On XX/XX/2020 I called XXXX, spoke to XXXX XXXX Informed the loan was approved based on my credit score. I told him I am unemployed, I can't repay this loan and have it removed. He said I will get documents in the mail to cancel the loan but the documents I received was another bill and a loan increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting
Product: Checking or savings account

PNC bank, XXXX XXXX, XXXX charged me {$25.00} interest when I never borrowed any money. They had transferred funds from my savings account to my checking account by mistake. Reversed the transfer but still charged me Interest on the transfer. I closed the account. I want the {$25.00} back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at approx. XXXX XXXX  XXXX I attempted to contact Equifax to lift a security freeze on my credit account so that I could apply for a credit card with my financial institution ( I was required to un-freeze my credit with all 3 credit reporting agencies before applying for this credit card ). I was unable to do this online at Equifax- got message " can not perform this action at this time ''. Then I called Equifax and went through their lengthy automated questions and when attempting to un-freeze via automation ( message was that I could not do that at this time ) I was forwarded to an agent. This happened 2 times and was immediately hung up on when I reached an agent. Finally on the 3rd attempt I did reach an agent. They told me that their system was down and they could not do anything via phone or email and to 'try again tomorrow '. 
THIS IS NOT ACCEPTABLE! We are held XXXX by these 3 credit reporting agencies ( Equifax, XXXX and XXXX ) and because of that they should HAVE to provide excellent and prompt customer service. Systems being down is not acceptable. I believe that if a user is attempting to unfreeze or freeze their credit and the company 's system is down then they should have to reimburse us for our time and inconvenience. I spent XXXX minutes on this whole fiasco and I still have to try again tomorrow. What's the guarantee that their system will be working tomorrow? 

I mean, Equifax already had a data breach several years ago that cost customers time & money. Why are they still allowed to be in business with this horrible customer service?
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.
Product: Credit reporting or other personal consumer reports

I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my XXXX credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.
Product: Debt collection

I have a right to better myself and my XXXX XXXX  also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. 

I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! 

Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent been able to get into my equifax report in months. I was reading online about it and a lot of people are saying the same thing and they are even reporting people dead. 


I called them but no return call
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Account XXXX : XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXXXXXX XXXX