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

A client wanted to pay me using the Zelle app. He was unable to do so. 
On his end, the app said it was because my account has a XXXX debit card. I think it is inappropriate of Zelle to tell that kind of information, as it crosses a line into personal information. 
When I called Zelle to complain they were belligerent in their opinion that it is not personal information. They were uninterested in helping. 
This was a humiliating, frustrating, unnecessary experience. At all levels of their Customer Service department their attitude was that I have no say in this. " So what if someone is told that you have a debit card attached to your account? Lots of people do. '' As I do not want to have any level of personal information given out to people I will close my Zelle account and no longer accept payments through that app. 
This does not resolve the systemic problem of Zelle giving out private information like what kind of card or account is linked to someone else 's account. 
Ironically, they would not talk to me unless I read back a code they texted me. Talking with me about my personal information is very secure. Telling other people about my personal information is, evidently, fair game. 
If they want to refuse to process a payment that is fine. They should simply say " Zelle is unable to process this payment. '' If they want to then raise the issue with me that would be great : " we were unable to accept a payment to you because of the following reason : '' Then I could dispute or investigate as required.
Product: Checking or savings account

On XX/XX/year> I uploaded a check for deposit. The check was drawn from my employer. I had uploaded a check from the same employer once before about one month prior. Both checks were accepted and both checks were/are held for nine days. Firstly, when they held the first check, I understood somewhat because it was the first time I had uploaded or deposited a check into the relatively new account. I spoke to an agent from Chase and asked if they will hold the next check as well. I was told Chase does it for first time deposits and since the check was issued from XXXXXXXX XXXX, which does not offer verification information, there could me a day or two of holding from the day of the deposit. This is not what happened. Because I was charged for late fees, I wanted to deposit the second check ASAP. So, I uploaded to not received overdrawn fees. Chase accepted the check, announced another 9 days hold, charged me overdrawn fees, and an agent lied to me when I called to beg to lift the hold. These nine days holds wrecked my finances in multiple ways. I spoke with four agents in the holds department on Thursday XX/XX/XXXX. I was told by agent 1 that all that needed to be done is a Chase agent needed to call my boss and verify the check. She told me about not being able to get verification from XXXXXXXX XXXX but she assured me that was not an issue. She told me to call back at XXXX XXXX because their policy is not to make these calls until XXXX XXXX. So, my boss assured me he was waiting for the call. He knew how upsetting this check holding issue was for me. So, he sat and waited. The agent # 2 put me on hold and said she couldn't get through to my boss. He assured me via text that he was staring at his phone and nothing was happening. That call was mysteriously disconnected or dropped. I called Chase again. Agent # 3 raised his voice, shushing me basically, then asked me questions about why my boss wrote me a check and why this or that. These questions were out of line and very suggestive of some kind of nefarious actions in my end. I resented his everything especially when he told me the first agent was wrong to tell me what she told me. Still, nobody is telling me why my check is being held for nine while days again while I rack up fees! I politely ended, and I do mean like a sane adult, that call. The fourth and last call I got Agent number 4. She said there was nothing to be done and that I was given the wrong information by Agent number 1. She sounded truly sympathetic and that made the whole experience even more ridiculous. Three of the four agents understood this holding was unfair and excessive. If I was such a risk, they didn't need to accept my application. Yet, they did give me an account and now I feel trapped. They wouldn't even allow my boss to stop payment so I could receive another check and take that somewhere I could receive my money. They are holding my money and charging fees. This is probably legal as banks get many ridiculous rights, but it is bad business. I want my money. Please help. They need to apologize for wasting mine and my boss 's time. They need to release the hold.
Product: Checking or savings account

In my previous complaint regarding this subject, the bank stated that I had deposited fraudulent checks and used the money. 

This is not true.. I made no deposits to the account with any checks or withdrew any monies. 

The deposits in question were apparently mobile deposits with my name typed on the back of the checks in the endorsement line. I repeat, I never made a single deposit that was not valid. I do not know where these checks came from. 

I had applied for a loan from what I thought was a reputable finance company, but I repeat : I DID NOT DEPOSIT ANY CHECKS to my account. 

USAA is changing the narrative to suit their purposes and duck the consequences of their failures and placing the onus on me. 

As far as the missing transcription of the previously reported telephone connverstion between a USAA representative and someone purporting to be me seems a convient way for them to further duck responsibilty. 

And if the CFPB can not do a better job of investigating this incident and the return of my money being held by USAA, I will take the matter up with my Congressional Representative.
Product: Mortgage

Loan XXXX XXXX Loancare Since last Wed I have been trying to pay my mortgage loan due XX/XX/XXXX. 
Website and app give error messages. Phone numbers called do not answer ( XXXX and XXXX ). Email response is that they are offline. 
I have tried everything to contact them, including the holding company XXXX XXXX XXXX XXXX. They also did not respond to emails and no one answers the phone ( XXXX ) I am concerned that if I can not access my loan by due date of XXXX that I will be charged a late fee. I have been paying online since I have had this mortgage and never had an issue before. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?
Product: Mortgage

Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.
Product: Checking or savings account

We had 3 different authorized transactions from our account. Community Bank Account for Our XXXX XXXX XX/XX/XXXX amount {$1600.00}, XX/XX/XXXX {$17.00}, and XX/XX/XXXX {$1100.00}. These were transactions made by XXXX XXXX from Virginia to an XXXX XXXX XXXX. I found theses and reported this to our bank on XX/XX/XXXX. We closed our account and opened a new account. After investigating some XXXX XXXX XXXX XXXX  refunded half the money taken. They said there wasn't anything they do because over 48 hours had passed. I am XXXX XXXX the treasurer of the club, XXXX XXXX is the one that is now Chairman for the recovery of the money. His home number is XXXX-XX/XX/XXXX-XXXX-XXXX and his email is XXXX. My phone number is XXXX-XX/XX/XXXX-XXXX-XXXX and my email is XXXX. Thank you for your time. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the creditor ( discover ) has violated my rights under 15USC1681 section 602 states i have the right to privacy 15USC1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an. account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion to ask that the following inquiries be removed because they were not authorized. I also informed them that I reached out to the creditors as well. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XX/XX/XXXX 6.XXXX/XXXX  XX/XX/XXXX 7. XXXX/XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13.XXXX/XXXX  XX/XX/XXXX I would also like for them to move XXXX XXXX XXXX from my collections account. I contacted them I informed them that account is more than 12 years old. They put false information on my credit report. Also XXXX XXXX   account has been closed it doesn't show on my other report because the account was removed. However tranunion continues to place it back on my report.
Product: Mortgage

I never applied for nor received a loan from Wells Fargo. 

Wells Fargo fabricated a fake loan XXXX XXXX XXXX XXXX. And WF foreclosed on XXXX. I owned this house for 26 years. 

Wells Fargo never provided me any loan information.
Product: Debt collection

I received an email from Resurgent on XX/XX/XXXX saying that they now had my debt. The information was : Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$1400.00} Once received I emailed a response to Resurgent on XX/XX/XXXX requesting that provide me with a debt validation letter as well as stop all collections. I notified them that I was disputing this debt. Today on XX/XX/XXXX I received another email from resurgence stating that my account may be sent to a lawyer. I again sent another letter asking them to stop collections and to please verify the debt.
Product: Checking or savings account

I reported that my funds were sent to the wrong person. They were not able to reverse that payment and I lost out on a lot of money. They were not able to do anything
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX XXXXXXXX XXXX, ACCOUNT NO . XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXX XXXXXXXX XXXX  XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXXXXXX XXXX has provided me, and I am grateful for the positive experiences I have had as an authorized user.

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXXProof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX Services on XX/XX/year> and requested Debt Verification. The company states that I owe {$640.00}. I had no response from this company.

I also contacted LVNV Funding on XX/XX/year> and requested Debt Verification and signature of ownership of the debt and payment information and no response by this agency. The amount they are stating I owe is {$660.00}
Product: Credit card or prepaid card

I have tried for months to resolve the issue of not being able to login to my Comenity Mastercard, I do not get an email to reset my password or an email, I call every month and the issue is not resolved. I explain the situation every month and last sometimes for an hour or more on the phone and nothing works. I keep explaining this situation and get the same response. I can't access my account only to make payments in easy pay which does not show me transactions, interest charges, etc. This is so frustrating as I can't see what is on my card or if there are suspicious charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account that was charged off. All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. I've previously opted out of reporting and they have not complied. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.