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

I am writing to formally expressed my concern regarding Zelles handling disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that retrieving lost funds was impossible, and tracking these funds with unfeasible. The CFPBs findings indicate that the Zelle has not only neglected to protect someones personal account, But has also allow habitual offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is un unacceptable and raise a serious concern about the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX XXXX Account XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Product: Credit reporting or other personal consumer reports

Complaint Regarding Improper Reporting of XXXX Account on XXXX, XXXX, and Experian Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, XXXX, and Experian. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as XXXX, Account Number XXXX XXXX XXXX : Listed as XXXX, Account Number XXXX Experian : Listed as XXXX, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " 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. '' Based on my review of this account, XXXX failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law XXXX violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX XXXX XXXX XXXX.

XXXX XXXX, and Experian perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from XXXX demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from XXXX indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX  XXXX XXXX which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

Thanks
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Checking or savings account

I closed my account on XX/XX/XXXX at the Truist Branch on XXXX XXXX XXXX. XXXX XXXX XXXX. The account was closed due to a breach whereby my accounts were compromised. At the time of closing the branch did not tell me that I would not have access to the account. Surprising enough the breached accounts for at least XXXX months I had access to. Again, nothing was told to me in writing or verbally. I have closed other accounts in the past with other institutions and they email me or verbally communicate access rules. Besides calling and not getting through on multiple occasions, I finally spoke to a XXXX XXXX XX/XX/XXXX at the bank above about getting access on my accounts. She said I could only request statements and they would charge me for all of them. This is not acceptable ; I was a SunTrust customer for many years. Infact XXXX of my accounts is XXXX of their oldest accounts. I need some help getting my records without being charged since I was never told I would not have access. Additionally, I suggested to XXXX XXXX that maybe they could just give me a computer print-out of my detail. No!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Debt collection

There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, my account was left vulnerable and unprotected. their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Checking or savings account

I started back to work in XXXX. I was not working from XXXX through XXXX. My first and second paycheck did not include all of my working hours and I will not get the retro pay until XXXX. My paychecks are over {$1000.00} short and I am not able to pay all of my bills at this time. We had a hurricane two weeks ago that I needed to prepare my home and family for so that was a large expense. I also did not get paid for the days we were out of work. I have 10 overdraft fees that I asked to have reversed and the bank declined the request for reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account # XXXX. I received a notice from XXXX XXXX stating that this account was pas due. I knew I didn't have an open account with XXXX  so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from XXXX. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called XXXX   and they told me that I had a XXXX account and that the yearly fee had been assesed. I informed XXXX  that I no longer had a XXXX account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with XXXX anymore so I asked her how was it possible to have a fee assessed on a closed account. This XXXX  account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. XXXX  closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with XXXX since XX/XX/XXXX. The person I spoke with at XXXX XXXX  on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from XXXX ok, clearly this was a mistake on XXXX  part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the XXXX  account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by XXXX  is not fair and then the XXXX  rep acted as if she didn't care. I have disputed this with XXXX  and Transuion and it's not on XXXX and the account is as it should be on XXXX ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as XXXX  closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are showing payment history on a closed account with XXXX on my profile. It has negatively affected my ability to secure credit and loans. Title 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have disputed this with XXXX & Experian to delete the payment history, but they have not.
Product: Student loan

I keep trying to call Navient and they wont answer the phone. I have been trying to request deferment due to covid 19 pandemic. My mother has been is hospitalized with XXXX and XXXX and I cant work.
Product: Student loan

I graduated from XXXX XXXX in 2007 with over XXXX in Federal/Private loans through XXXX XXXX. Since 2007 I have been taking advantage of every opportunity to lower my payments and defer most of them ( to this day I still cant afford to start on the federal loans ) I am at a tipping point, every month it gets harder and harder for me to keep up with my loan payments and in XXXX my lower rate plan will end and my student loans will rise. I am panicking as I do n't know how I will afford them. Had I know at anytime during my time at XXXX XXXX that my loans would be this much I would not have attended this school. It seemed every-time I met with financial aid to re-sign those loan papers my estimated repayment was always around XXXXmonth, not the actual XXXX or higher/month that it really is.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act 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 an account without my written instructions. This is in clear violation of my rights. 
This has caused XXXX XXXXXXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

INNOVIS XXXX XXXXXXXX have been illegally furnishing RE-AGED  US DEPARTMENT OF EDUCATION account XXXX XXXX XXXX XXXX XXXX 3rd  party information. Transactions and experiences are excluded from Consumer Files due to Privacy laws 1681 sections 602 A & 604 section 2 Ensures my RIGHT to Privacy & A Consumer Reporting Agency CAN NOT furnish an account without MY WRITTEN PERMISSIBLE PURPOSE As well as violation of 1692c They are also in violation of DEBT PARKING
Product: Credit reporting

I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to report an unjustified derogatory statement on my credit report, which remains on my credit bureau report, including XXXX XXXX. The comment is an error because XXXX XXXX CBNA ( Citibank ) credited the wrong account for {$2300.00}. The error resulted in late fees and interest charges on an incorrect balance, as Citibank had not credited my account. Citibank received a check from XXXX XXXX XXXX XXXX on my behalf on XX/XX/XXXX, cashed it on XX/XX/XXXX, and credited it to another account error. As a result, late payments were reported in error to the credit bureaus, adversely affecting my credit ratings from the high XXXX to the mid and high XXXX. 
Since providing evidence of payments and disputing the derogatory comments on my credit report, Citibank has finally corrected their error and credited my account for the {$2300.00} and all late fees and interest charges, demonstrating that I was not in error in my dispute. However, the credit bureau, XXXX, has declined to fix the problem because of incomplete information about the dispute provided by Citibank. They needed to report an accurate outstanding balance, the reimbursed late fees and interest charges, and a full accounting and admission of the errors by the bank. I
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.