23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    bank which was acquired by Huntington National Bank is showing I owe a balance of {$4100.00} on my credit card. They have not submitted updated information to reporting agencies since   XXXX  2017 . I transferred the balance of this   card to another financial institution on    XXXX  /17   . I want the balance of the   XXXX   XXXX   XXXX     XXXX   XXXX   on my credit reports as my reports inaccurately reflect that I have more revolving debt than what I actually do. I also want a letter confirming action was taken.
Product: Credit card

BANK OF AMERICA INQUIRY. 
I DID NOT INQUIRE SHOWING ON MY REPORT
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns regarding the handling of disputes on the Zelle platform, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that has brought to light serious issues related to consumer protection, accountability, and the safeguarding of funds. 

As a frequent user of Zelle, I have encountered discrepancies and issues with several transactions and have reported these concerns to both my financial institution and Zelle. However, despite my repeated efforts, my claims have not been adequately investigated, and I have been informed by both parties that the recovery of lost funds is impossible and that tracking these transactions is unfeasible. 

The findings in the CFPB lawsuit are particularly troubling, as they indicate that Zelle has failed to implement sufficient measures to protect consumers from fraud and abuse. Furthermore, the lawsuit highlights that repeat offenders are able to exploit the system, leaving users like myself vulnerable to scams and financial losses. This is a clear indication of a lack of oversight, transparency, and accountability on the platform. 

As a consumer, I find this situation deeply concerning. Not only does it call into question the security of the platform, but it also undermines the trust that users should be able to place in Zelle and the financial institutions that offer its services. The inability to track or recover funds for legitimate disputes is unacceptable, and it raises serious questions about the overall consumer protection policies in place. 

I am requesting a full and thorough review of my case, as well as clarification on the steps Zelle and its partner financial institutions are taking to address these systemic issues. Furthermore, I would appreciate an explanation of the actions being implemented to ensure that consumer funds are protected from fraud and that users have access to a fair and transparent dispute resolution process. 

I trust that you will take these concerns seriously and look forward to your prompt response outlining the measures being taken to resolve these issues. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed inquiries that does not belong to me.
Product: Checking or savings account

On Thursday, XX/XX/2023, I deposited a check from my employer in the amount of {$910.00} via Chime 's mobile app. I've done this many times previously, and have never had an issue with getting access to my funds. 

However, the app estimated that Chime wouldn't release the funds until Thursday, XX/XX/2023. After spending over two hours on the phone with CSRs who could barely speak and understand XXXX ( having XXXX is fine, except in matters of understanding your customers ), I was told that I could transfer my money to a questionable check cashing app, or transfer it to another financial institution. Should I take the second option, I was told that I could expect a " chargeback '' from Chime for the full amount. 

My issue is that none of the CSRs or the supervisors I spoke to would make any amount of the funds available, despite having the abilty to do so. When one of them confirmed that the check was still processing, I asked to cancel the deposit. Upon my asking, this supervisor suddenly saw that the check had been accepted, and the deposit couldn't be canceled. Despite this change in the check 's status, she couldn't give me a date on which I could expect to receive my money. 

To be clear, Chime has previously processed checks from this issuer on my behalf in the past without a problem,, so I don't understand the issue now. I also don't understand why I was given evasive answers. 

I shouldn't have to wait days to access what is rightfully mine, and certainly not without an adequate explanation as to why I have to wait at all. I don't know what to make of the questionable and possibly illegal suggestions one supervisor gave me.
Product: Mortgage

We conducted the closing for our new home on XX/XX/2022, before this we asked the mortgage company XXXX XXXX XXXX ) many times to remove the Private Mortgage Insurance ( PMI ) from the monthly payment as we have already paid 20 % of the home price, XXXX XXXX kept procrastinating removing the PMI even after the Notary asked the mortgage company reps ( XXXX XXXX XXXX ) over the phone to remove it, XXXX XXXX asked us to sign the Closing Disclosure Documents then he will remove the PMI, suddenly after that we discovered that XXXX XXXX has sold the Home Mortgage to another company ( PH Mortgage Services ), I contacted them and asked them to remove the PMI, PHH refused to do so as they said that they received the mortgage with PMI payment during the first two years. 
I kindly ask for your help in order to remove the monthly payment of PMI from my home mortgage especially that I already paid 20 % of my home price. 

Thanks,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX, account # XXXX * Auto loan with XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report.

Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by TransUnion showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me Account # XXXX {$170.00} Account # XXXX {$0.00}
Product: Credit card or prepaid card

I made a purchase through their Shop Through Chase portal the exact same way I have in the past at XXXX. This time as has happened several times in the past, I did not receive a confirmation email confirming the bonus points. I emailed their useless foreign script reading CS reps several times back and forth and received typical canned responses telling me it can take time, each time, as is their custom to waste customers time with XXXX. Finally I received a response from someone who told me that I wasn't credited because I didn't shop directly through Chase, which is ANOTHER lie from them. I MOST CERTAINLY did shop through their portal the EXACT SAME WAY I have in the past.
Product: Checking or savings account

I have a personal checking account with XXXX XXXX Through their XXXX party app, Zelle, a payment was sent to a potential Landlord to rent their personal property in XXXX Texas on XX/XX/year> in the amount of {$1600.00}. The transaction was made to secure the property so no one else was able to put in an application to rent and as the security deposit also while an XXXX Housing Authority approval of the property was in progress. I was updated once by the recipient and landlord on their communication with XXXX housing authority and Zelle recipient and potential landlord and alleged business partner notified me that they closed the entire business account and fled the country which the Zelle payment was sent and Zelles customer service support refused to investigate nor did they offer to get my funds returned.
Product: Debt collection

Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.
Product: Credit card or prepaid card

Citi has implemented an authentication mechanism that requires the customer to have a telephone number to receive a voice call or text message to process rewards redemption requests. Not all customers have a phone that can be called or texted. When I contact Citi, I do so from my employer 's phone system, which can not accept inbound calls. In the past, Citi allowed me to authenticate by sending a one-time passcode ( OTP ) to my email address. This option has disappeared. 

There exists free and open-source technology that is regarded as the strongest form of authentication, widely adopted among companies across the internet, and easily to implement. XXXX XXXX describes XXXX XXXX XXXX Passwords. These can be scanned with an app on a mobile device to establish a secure mechanism for authenticating, that doesn't depend on a customer having a cell phone and doesn't require customers to pay for cell phone service. This technology has been available for over a decade. There also exists a consortium of companies that have developed other authentication mechanisms that do not depend on cell phone service. ( See XXXX XXXX XXXX XXXX XXXX and reference XXXX, XXXX, XXXX. ) There is nothing in the contract that I initially signed that requires me to have or maintain cell phone service. Citi should not be able to prevent me from distributing my rewards points without a cell phone, especially given that the transfer is to a bank that is already on file and has been routinely used to redeem rewards. 

In XXXX of XXXX, XXXX published a recommendation that companies stop using SMS and voice calls as a form of XXXX, as they are the least secure method of XXXX available today. ( See https XXXX XXXX XXXX XXXX XXXX XXXX  And in XXXX of XXXX, the FBI issued an alert, XXXX, which described the rise of XXXX swap attacks being used to steal millions from companies who are using SMS and voice calls as a method of authentication. ( See XXXX  : XXXX for the alert. ) Some of the largest hacks of the past XXXX years have been the result of compromise to SMS and voice call authentication mechanisms. The risk is not remote. 

To require a cell phone to be used for authentication is not only an inconvenience to those who do not have one, but it puts Citi 's customers at risk by involving wireless carriers as part of the process. This is an undue burden that should not be imposed on Citi 's customers, and it must not be an excuse for holding up reward point redemption.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX XXXX illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XXXX XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.