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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They imformed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XXXX.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES AMERICAN CREDIT ACCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to create an account with Experian so that I can freeze my credit file and verify that it is frozen. Their website states that it can not verify my identity and the provides a number to call in order to do so via a customer support agent. The phone number leads to an automated system that doesn't have an option to verify my identify and that refuses to transfer me to a live customer support person. I will note that this system provides a way to
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).
Product: Debt collection

I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXXXXXX  I purchased a XXXX XXXX XXXX ( Pet ID : XXXX ) from XXXX XXXX, Texas, financed through Mariner Finance. This purchase included a warranty for XXXX care and annual visits through " XXXX XXXX XXXX XXXX XXXX XXXX, I was informed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had ceased covering the annual visit costs, forcing me to pay out of pocket. This violated the warranty terms included in the purchase agreement. Furthermore, XXXX accused me of breeding the puppy without any evidence, which they used to void parts of the warranty unjustly. 

When I reached out to XXXX customer service to address these issues, I was redirected to their legal team, represented by XXXX XXXX. After providing the requested documentation, I received no resolution. Instead, XXXX XXXX referred me back to XXXX, creating a frustrating cycle with no accountability. XXXX 's unwillingness to address the issues directly violates the purchase agreement and has left me financially burdened, given that the financed amount totals {$11000.00}, with an 18 % APR over 60 months.
Product: Money transfer, virtual currency, or money service

I am having a problem with Coinbase and Coinbase XXXX, My account has has restricted acces for over 6 months. I can not move crypto currency around and despite numerous attempt to resolve thru customer support all I get is canned email replies with no details on what the issue is. They have no way of ta ; king to a live agent and for a public compant this is simply unexcusable! If I had to rate this company It would be " 0 '' based solely on their complet lack of customer support.
Product: Credit reporting or other personal consumer reports

As a consumer, I want to strongly emphasize that I have a legal right to a completely accurate credit report. Its crucial that credit reporting agencies take immediate action to update or remove the accounts mention in the attached dispute letters. Your prompt attention to this matter is of utmost importance and I genuinely appreciate youre your swift assistance. Thank you.
Product: Mortgage

We contacted wells mid XX/XX/XXXX about a potential home to buy in mid XXXX. Home was under litigation. XXXX was to decide if the home could be sold and we would know by the end of XXXX or early XXXX. The builder stated we should be prepared to purchase if he could sell to us. So we contacted wells to start the process. Part of the process was an appraisal. I spoke to the bank numerous times that an appraisal should not be done until the first week of XXXX bc we would not know if we could purchase until then and maybe we would not need to move forward especially with the appraisal and they agreed .Wells agreed on multiple Occasions. At the end of XXXX with our realtor being contacted the appraisal was scheduled. I was contacted by the realtor ( I did not know aboutesp it ). I called wells and XXXX XXXX XXXX Ext XXXX ( my contact ) called them to cancel it and reiterate that this should not be done until the first week of XXXX she verified it was cancelled and that they would contact me to schedule first week of XXXX. XXXX days after this without contacting me i was notified that the appraisal was done. And my credit card was charged without my knowledge of XXXX. I called XXXX to let her know and she apologized and stated that this should not have occurred and if we could not purchase the home she would refund our money. We spoke about this on numerous occasions throughout XXXX via phone and email. Ultimately we found out that we could not purchase it in late XXXX and I contacted her to let her know that they could close the loan and refund our money. She stated she would work on the refund and I have email with her stating that she would reimburse us the funds since this was a mistake on their end, not yours. Now I have been handed off to multiple People and no one is refunding our money. This appraisal should never have been done. I was never contacted to schedule it and they Were aware that the appraisal should not be done unless we were given the approval to purchase a home and this would be sometime in the beginning of XXXX they also charge my credit card {$580.00} without my knowledge. I have multiple emails from the bank stating this was their mistake and they would refund the money. I can not get any answers from them. 

* Below you will see one of the emails from XXXX where she states they will reimburse us. There are more emails and multiple telephone conversations we had that she stated this. 


XXXX All XXXX. 
Giselle.Jaramillo @ XXXX ... XX/XX/XXXX To : XXXX XXXX Document Request Hello XXXX, Yes, the rate lock was locked in at no additional cost for 60 days. 

Also, I will definitely work with my team to reimburse the appraisal money considering we were not supposed to have the home appraised until you were ready to. That was definitely a mistake on our end. 

Kind regards, XXXX XXXX XXXX Direct Sales Consultant ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, AZ XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit report and the credit reporting agency has failed to provide proof that these accounts are mine
Product: Student loan

On XX/XX/year> I sent an email to XXXX XXXX XXXX to inquire about a school misconduct discharge application for XXXX XXXX XXXX for my private student loan account in which I received an email stating my account was transferred to XXXX. I sent an email to XXXX the same day in which I received an email advising they cant do that because I paid it off. My questions are is the loan still dischargeable, am I entitled to a refund and how do I obtain the application?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> when I was routinely monitoring my credit report I noticed that my credit score drastically decreased due to federal student loans being taken out in my name. I attended an accredited college 10 years ago and already hold a XXXX XXXX so this is identity theft. The thief used fake references, phone numbers and email addresses. I have no affiliation with the XXXX XXXX XXXX and they did not do their due diligence in confirming the identity of the thief before admission to their institution. They did not collect high school transcripts or look at identification. I immediately called XXXX XXXX  XXXX XXXX XXXX, all 3 credit bureaus to report the fraud and dispute the accounts. I had to complete police reports, ID theft affidavits, FTC reports, freeze my credit and a bunch of other tasks. In total {$3500.00} was taken out. 

Since then the XXXX XXXX XXXXXXXX continues to collect disbursements on the loan with my personal information with the most recent one being paid XX/XX/year> and has not unenrolled me or investigated this as requested formally in a letter. They also requested I submit personal information such as social security numbers and a driver 's license through unsecure methods ( unencrypted email. ) I requested information about where the money was being remitted and what classes I was allegedly enrolled in and have yet to receive it while the keep me in the " enrolled '' status at their University. 

XXXX denied my dispute request and did not perform a proper investigation even though all the information was incorrect on their report. Again the phone numbers and email addresses were fake as well as the references. I am still waiting to hear back from XXXX and Experian. My credit score continues to be impacted.
Product: Student loan

I have been paying back my student loans of XXXX since XXXX after graduating college. I have not missed a payment, even with temporary XXXX down during covid XXXX. My loans went down from the XXXX at the time to XXXX, now as of XX/XX/XXXX I have {$620.00} in accrued interest, bringing me back up to almost XXXX. The interest rate is XXXX which is lower than most places, but Im never going to be able to pay off my student loans if Im accruing hundreds a month in interest, despite never missing a payment, and sometimes paying more than owed when I can.

I applied for a repayment plan to assist me in paying off my loans and I have been given three different price quotes and told to reapply twice. I dont understand how my debt is growing so fast and why I cant get an accurate repayment plan payment.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXXXXXX account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; XXXX filling XXXX XX/XX/2015 2015
Product: Checking or savings account

On XX/XX/XXXX, and XX/XX/2023 I attempted to pay 2 credit card bills through ACH payment from Vystar Credit Union in Florida. This had been done every month for over 2 years to, and from, the same accounts. The money for both payments were in the account used, yet the bank rejected both payments without notifying me, because of aforgotten payment for a different credit card ( secured card ) that was serviced with Vystar. After speaking with a customer service representative, I was told that their members service agreement gives them the right to reject all payments made from the account until the secured credit card payment is brought current, which makes no sense because i technically prepaid the balance. Without sending any sort of reminder for the late payment before rejecting all payments I made from the checking account and causing multiple fees, then then closed the card and applied the secured payment. They have cost many members fees due to poor management decisions made of their online banking and currently have a class action against them because of it. I want anyone reading this to know that Vystar Credit Union is not a good bank since the past year and not to bank with them.
Product: Credit card or prepaid card

I hope who ever is reading this is having a great day, I reached out to Discover back in XXXX concerning this account letting them know my ex wife had opened this account without me knowing and ran up charges. They never contacted me back concerning this account so I was unaware of my payment due date. I didn't file a police report because I didn't want to see her get in trouble so I reached out to Discover to see what I could do to solve this issue. They never contacted me back and its been two month since I wrote their company disputing this account. This account is locked so I had no way of knowing how much the payments are or the due date. I recently been out of work due to the Corona Virus so its been hard financially. I reached out to Discover to let them know my situation and they said it was nothing they can do to help me I would have to dispute the late charges directly threw cfpb or Credit Bureau. I have never been late on no recent payments and this negative impact to my score has added to my stress during these hard times our country is facing. Can someone please help me with this situation. Thanks have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up filing of the complaint in line with my previous attempt. I needed the items that are erroneously reported in my file removed. This complaint serves as a notification to ensure the removal of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Checking or savings account

Dear Consumer Finance Protection Bureau, I am writing to you today in the hope that you can assist me with a matter involving US Bank. I have filed a complaint with US Bank regarding a closed account with a balance of {$11000.00} that has not been returned to me. This is the second time that I have filed a complaint regarding this issue. 

US Bank has not issued me a check for my funds, and as of today, the funds can not be returned to the lender because the account is in collections and has been sold to a debt collector. This delay is significantly affecting my credit score, and I have not received any resolution from US Bank.

I am urging the Consumer Finance Protection Bureau to take action and enforce US Bank to send my funds in the form of a check as a matter of law. I have done everything in my power to resolve this issue with US Bank, and I am left with no other option but to seek your assistance.

I kindly request that the Consumer Finance Protection Bureau intervene in this matter and ensure that US Bank fulfills their legal obligation to return my funds. I appreciate your attention to this matter, and I look forward to hearing from you soon. I've also included as an attachment US Banks original response months ago. 

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

I have attempted to resolve this matter several times with Experian as well as with XXXX XXXX as referred by Experian, I have received a letter by XXXX XXXX XXXX XXXX in which they state they can not locate the item within their data base if thats the case how are the credit reporting agencies obtaining this information? XXXX is not reporting this incorrect information, I have attached for reference as well.
Product: Student loan

I CALLED NAVIENT LOAN SERVICING IN XX/XX/XXXX TO LET THEM KNOW THAT I WAS NOT EMPLOYED AND ASKED FOR A DEFFERMENT SINCE I WAS HAVING TROUBLE PAYING MY BILLS. THEY INSTEAD SUSPENDED MY PAYMENTS FOR A THREE MONTH PERIOD AND ALLOWED INTEREST TO ACCURUE. I DID NOT KNOW THAT THERE WAS OPTIONS. I AM A SINGLE MOTHER AND I FELT TAKEN ADVANTAGE OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I was the subject of identity theft. A credit card was opened with XXXX XXXX XXXX in my name with a false address and thousands of dollars were charged. I filed a police report, contacted XXXX, XXXX and XXXX and the matter was resolved and my credit report cleared. I placed credit freezes and fraud alerts with all of the credit reporting agencies at that time. Recently, I discovered that Transunion was still reporting the amount in default and that it was open for collection, which adversely affected my credit score. I filed a complaint online with Transunion on XX/XX/XXXX but received no response. I contacted Transunion on XX/XX/XXXX and was told that they received the dispute and I would hear shortly. I heard nothing and contacted them again today and to my shock I was told that they have a record that a dispute was filed but that the documents I submitted in support of the dispute were not received due to " technical issues '' and that they also could not process the dispute. I spent hours dealing with this and they told me to now submit it again, which I just did. This is outrageous and Transunion should be held accountable for failing to remove the derogatory comment on my credit report and for failing to properly handle the dispute. I have copies of the Chats with the Transunion reps from XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be Linked with the bank and withdraw cash, and I have contacted the PayPal customer service representative many times to solve the problem. please help me
Product: Money transfer, virtual currency, or money service

Im XXXX of 2021 my phone, wallet and my rental car were stolen. I made cash app aware of what was happening as soon as I found out they sent {$250.00} to someone from my phone. I sent them the police report. They still insist that it was of my own doing,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.
Product: Consumer Loan

I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX