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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Hello, I would like to dispute a credit card late payment fee of {$25.00} applied on XX/XX/XXXX with respect to my Bank of America XXXX credit card. 

I have had this credit card for over 10 years, and I had my first late fee on XX/XX/XXXX. Bank of America reversed this fee, because it was my first ever late fee. I spoke with an associate on the phone, and I instructed her to set up a automatic transfer of {$25.00} on the XXXX of each month from my checking account, so I would avoid late fees going forward. This was not done, and I received a late fee on XX/XX/XXXX. I did not receive any notification alerting me the payment had not been made. As soon as I realized there was a problem, I transferred funds to the account on XX/XX/XXXX. I called the Bank of America service center, and they would not accept responsibility or reverse the fee. 

I am currently unemployed and searching for a new job. Previously, I had an automatic transfer set up to make payments from my savings to my credit card account, but I have recently used up all of my savings, and my savings account balance is {$0.00}. That is why my payment in XXXX was 2 days late. I can not afford this late fee, and the negative impact it will have on my credit score. 

Please let me know if further information is required. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed several errors in my files. Per section # 609 of the Fair Credit Reporting Act consumers have the right to dispute inaccurate information. I started disputing with TU about 3 months ago. On XX/XX/XXXX, XXXX XXXX sent me an alert so I accessed my account for updates. To my surprise, TU had finally removed the derogatory/ inaccurate items from my report. In addition to that, they removed ALL of the accounts that were POSITIVELY reporting on my credit report. On XX/XX/XXXX my score with XXXX was XXXX and on XX/XX/XXXX XXXX XXXX was reporting XXXX. Currently, there's only ONE account reporting and that's XXXX XXXX   XXXX. None of my new accounts, Installment, or revolving accounts are reporting. I knew something wasn't right because I received a letter from TU on XX/XX/XXXX with a dispute status stating : After reviewing your dispute request, we found the information you disputed does not currently appear on your TU report. It's possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies. Normally, TU will send an updated Credit report but in this case they DIDN'T. They instructed me to pull a copy myself. I am filing this complaint because TU is negligent of removing items that were not a part of my original disputes. Also, I feel that TU is not in compliance with the policies or standards that they require their employees to  follow. This has caused severe emotional stress because I'm working on opening a business and purchasing a home. By removing those positive items from my account, this has a negative impact on my credit scores, interest rates and the ability to establish/ obtain new credit. I will be filing a complaint with the FTC and the CFPB. I'm demanding an immediate investigation into this claim and would like for TU to restore my report with the positive accounts I had listed prior to them deleting them.
Product: Debt collection

Every since XXXX, I have been disputing this inaccurate information with the collection agency and the creditor. This information has been deleted from XXXX and XXXX, after they have proven for it to be inaccurate. However XXXX keeps reporting this information and the Collection agency are not looking into this matter. It is now, XX/XX/XXXX, and they are still reporting this inaccurate information.AND DO NOT ATTEMPT TO ADD INACCURATE UNVERIFIED INFORMATION BACK ON MY CREDIT AS THAT IS A VIOLATION UNDER THE FAIR CREDIT REPORTING ACT
Product: Payday loan

I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.
Product: Credit reporting or other personal consumer reports

Account is paid and closed however it is still reporting as a negative remark on all 3 credit reports.
Product: Checking or savings account

XXXX seperate companies had gift card purchased fraudulently with my debit card and several of my credit cards. I was able to get the issues with the credit cards resolved but USAA Federal Savings Bank refuses to refund the money that was taken out of my debit card account to pay for numerous gift cards. The merchants sent reports to my bank- and they clearly state that the XXXX address used to purchase the gift cards is located in XXXX XXXX XXXX Texas XXXX and NOT our IP address located in XXXX Texas XXXX This should be enough to prove that this was a fraud. The bank told me to take it up with the merchants, XXXX and XXXX and they would not consider someone STEALING my debit card credentials and using these credentials to purchased gift cards fraudulent activity. There is also supposed to be a " No Fault '' fraud policy that protects checking and savings accounts with USAA. Which is NOT true. They don't honor this policy and don't honor the fact that we've been members for over 30 years! There is CLEAR EVIDENCE ( IP Address, names of fraudsters on merchant reports ) that we are not fraudsters nor have we run our personal business in the last 30 years like scammers! I believe the bank should honor their " no-fault '' policy and look at the FACTS presented by the merchants and refund our money ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/XXXX via XXXX and on XX/XX/XXXX via XXXX and consumer credit transactions were completed with Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX XXXXSynchrony Bank denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the XXXX to investigate this inaccuracy and the request was deemed frivolous.
Product: Checking or savings account

I wrote a check XXXX XXXXXXXX for {$3300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. Check was NOT cashed by XXXX XXXX XXXX. Check was cashed by XXXX XXXXXXXX XXXX XXXX, Citizens Bank. 
On my behalf XXXX Bank has reached out to bank of XXXX XXXX  Citizens Bank on XXXX XXXX, XX/XX/2023 & XX/XX/2023 to get a response ; however still no response from XXXX XXXX, Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am responding to your letter sent on XX/XX/XXXX via mail. I have reviewed and printed out the XXXX report LexisNexis is referring to on XX/XX/XXXX XXXX and I have attached it to this dispute. The LexisNexis report does not reflect the same information as the XXXX report that LexisNexis has claimed to use to verify this illegal bankruptcy. The LexisNexis report is full of errors and is reporting incorrectly, inaccurately, and is unverifiable compared to the XXXX report. First, Lexis Nexis stated you were able to verify the bankruptcy on my LexisNexis consumer file, because it shows my quoted full social security number by the nationwide consumer reporting agencies. The XXXX report does not display my full social security, which means this could be someone elses bankruptcy reporting under my name. I have highlighted and circled this inaccuracy in the XXXX record I have printed out. Next, the XXXX report does not display my full address at all neither my phone number as stated in the letter Lexisnexis sent me on XX/XX/XXXX. Lastly, the XXXX report shows XXXX XXXX the unverifiable bankruptcy is reporting in XXXX XXXX, but Lexis Nexis reporting the XXXX XXXX is XXXX. XXXX is a city in the United States XXXX XXXX. This is a visible inaccurate error LexisNexis is reporting. I have screenshot and time stamped the XXXX report showing the inaccuracies as of XX/XX/XXXX XXXX. As per the FCRA provisions 15 U.S. Code 1681i ( 5 ) ( a ) ( i ) - Procedure in case of disputed accuracy states 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 file. I am demanding for the third time that LexisNexis delete this inaccurate/unverifiable bankruptcy from my Lexisnexis consumer file. I am filing a better business bureau compliant and next I will send court LexisNexis to court if this bankruptcy is not removed/deleted immediately. I will sue Lexisnexis for willful non compliance under the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance. This illegal, unverifiable, inaccurate bankruptcy is ruining my credit worthiness to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}
Product: Debt collection

I have tried calling multiple times and they can not find the debt. But they continue to hold my credit hostage. This was obviously fraud. XXXX and XXXX have removed the account but XXXX refuses.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of an XXXX XXXX account ( XXXX, $ XXXX ) on my TransUnion credit report. This account has been removed from my XXXX and XXXX reports, yet it remains on TransUnion, which violates federal laws requiring accuracy and consistency in credit reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure the accuracy of their reports and resolve disputes promptly. The continued reporting of this account on TransUnion is inconsistent, misleading, and unfairly impacts my creditworthiness. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has previously found XXXX XXXX violating consumer protection laws, including improper handling of disputes and inaccuracies in reporting. 

I respectfully request the immediate removal of this account from my TransUnion credit report to comply with federal laws and reflect the same accurate reporting as XXXX and XXXX. I have attached supporting documentation to validate my claim. Thank you for your prompt attention to this matter. 

I have attached a copy of my social security card, my ID, a copy of a utility bill, a snippet of the account being remove from XXXX and XXXX, a snippet of the XXXX XXXX account still being reported on my Transunion credit report and the letter for Transunion requesting to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is in violation because they were to notify me of this by writing in 5 days prior I was not. As the original creditor only I can validate this debt. Also, This inquiry is unauthorized and fraudulent. Please delete it at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a call on XX/XX/year> at XXXX from phone number XXXX XXXX XXXX XXXX. The man on the phone requested for my husband by name, but also knew my name and phone number. When I asked where he was calling from and what his name was he stated that his name was XXXX and that he was calling on behalf of Lakeview Lend mortgage company. He told me that he works with XXXX XXXX  and that he was going to get us the best rate available guaranteed. When I told him I was not able to speak at the moment he pushed me to give him more information about myself and my mortgage ideals. He ultimately gave me his contact information and website which is as follows : ( XXXX ) XXXX and XXXX XXXX XXXX My browser alerted me that the website was unsecured. 

I reached out to my representative at XXXX about the situation and she recommended that I post a complaint about the company.
Product: Money transfer, virtual currency, or money service

Someone stole my phone on XX/XX/XXXX and they made two transactions on Venmo when I did not have possession of my phone. 1. {$550.00} and 2. {$950.00} to a random person in New York. I realized these were made when I checked my savings account the following day. XX/XX/XXXX. I filed a claim/dispute with my bank XXXX XXXX and they said they would reward me credit while they investigate the claim/dispute. I also called Venmo and told them to freeze my account and I removed my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Product: Student loan

We currently have an IBR plan that determines our payments based on our income and family size. We are required to re-certify our payment plan each year, and have the option to resubmit our application for repayment if there are any changes in our income or family size. We decided to resubmit early, due to an increase in family size ( with no change to our income ). However, instead of our payment decreasing, it increased. ( from XXXX to XXXX ) I called in ( XX/XX/19 to employee XXXX ) to discuss this error, and was told that our account would be reviewed within 7-10 business days. We never heard back, but recieved another bill in the incorrect amount. I called again ( spoke to employee XXXX ) and was told the same runaround. No response, no change. Called again ( XX/XX/19 ) and was told it would be resubmitted and in the meantime they would send an adjusted bill in the original XXXX amount. Yet they never ACTUALLY changed the bill, and processed a direct debit in the XXXX amount. Called again on XX/XX/19, and they refused to address the problem and instead ran me around for over an hour on the phone before essentially saying " too bad '' it's correct.
Product: Debt collection

XXXX FOR {$930.00}??? HOW? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Product: Credit card

I was charged by XXXX XXXX XXXX for XXXX. Never received product and disputed charge after company refused to cancel order. When I opened up the dispute the company refunded me XXXX. 

US bank then put the charge back on my card and says the dispute is closed but wont remove it. 

Im being charged for a product I did not receive a second time after the merchant refunded the original purchase.