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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Lost of at least {$1000.00} to my financial situation.
Product: Debt collection

I only became aware of an alleged debt when it appeared as a derogatory mark on my credit report for {$54.00}. As far as I am aware, I paid in full what I owed to the original creditor. If in fact I do owe this money, I was never notified by the original creditor or the debt collector : Credit Service Company XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX
Product: Debt collection

A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I signed up for XXXX Premium with billing via Google Payment and XXXX at the advertised billing rate of {$17.00} monthly. I received an invoice that said the total, including tax, is {$17.00}. Since then, Google has overcharged me each month for {$19.00} via XXXX 's billing platform, {$1.00} more than the invoiced amount. The the in-app price shown both before and after subscribing to the service is {$17.00}. 

I have contacted Google customer support several times, and they do not acknowledge any mistake on their part. I have only been able to recoup the difference through escalation with XXXX, who further say I need to resolve the recurring billing issue with Google.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i submitted a credit dispute to experian credit agency. Regarding some items on my credit report. The investigation was done incomplete and the account XXXX XXXX XXXX Was not included in the investigation results. I wrote the credit bureau experian a second time notifying them of their violation of FCRA which states a FULL investigation must be done in 30 days and an account was missed. When i wrote them notifying them of this error they sent me a generic response notifying me of another 30day investigation being opened. 

It should be noted both XXXX and XXXX did a proper investigation and the account in question was deleted. I encouraged them to review the first document sent to them in XXXX where the proper dispute proof was. Because of this generic response im uneasy about a proper investigation being done and because of experians blatant violation of FCRA LAWS.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have noticed unauthorized items on my credit report that do not belong to me. I kindly request that these items be removed as soon as possible. I am in the process of purchasing a home, and these unauthorized entries are preventing me from moving forward. Please update my report and remove them promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported as identity fraud and it was sold from XXXX  XXXX when acct charged off to XXXX XXXX back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the Equifax and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$8600.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Investigation of Consumer Rights Violations by NR/SMS/CAL ( Account : XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by NR/SMS/CAL, related to the mishandling of my account ( Account : XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe NR/SMS/CAL has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize NR/SMS/CAL to access or share my credit information, and any such action was undertaken in violation of federal law. 
Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX. on the due date at the specified location. I believe NR/SMS/CAL improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by NR/SMS/CAL. 
Require NR/SMS/CAL to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed. 
Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> NR/SMS/CAL, if available. ] Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

After filing numerous complaints directly to them and through the CFPB and the office of the comptroller of the currency, in an attempt to negotiate the fees, Wells Fargo closed my account in retaliation. They will say otherwise, but it happened the day that I received my response from this agency about the overdraft complaint. First they discriminate against XXXX and low individuals and stealing from us and keeping people in a cycle of poverty through fees, then they close accounts in retaliation if we complain. We complain, we face further consequence. I had online/paperless statements and they wont even let me access those to review the account. They shut off my access to that account in its entirety. I fear that they will cut off my others soon without intervention, and possibly steal the amounts in them as well, simply out of retaliation for complaining.
Product: Credit reporting or other personal consumer reports

My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX BalanceXXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited an IRS check in the amount of {$6800.00} to my checking account ending in XXXX. In error, the amount deposited was {$5800.00}. I discovered the error in contacted BBVA by email on XX/XX/XXXX. I received a reply email from XXXX XXXX stating that government issued checks are not eligible for mobile deposit and I could either go to a branch and deposit my check or mail it. Due to the fact that I live over 60 miles away from the nearest branch location and at the time transportation was an issue ; I mailed my check to BBVA Compass Vault Services XXXX XXXX XXXX XXXX Alabama XXXX. On XX/XX/XXXX I received a letter from BBVA stating that my dispute was received and the investigation determined that my disputed transaction was a correct transaction and or authorized. I never made a dispute on this account and the amount of the dispute was XXXX to XXXX. The account number listed was incorrect and when I researched the amount of the dispute along with the date there was never any transaction made in that amount with the merchant listed on my account ending in XXXX or the incorrect account number ending in XXXX. The notice I received was not my dispute nor the correct account. I am still waiting on my IRS check to deposit and it has been over thirty days. I find it very strange that I receive that dispute letter approximately around the time that my check was supposed to be deposited.
Product: Credit card or prepaid card

My AMEX serve card and account is locked. For no reason. I can't add money, I can't use the card. I can't access my online account it says locked. When I call customer service I'm on hold for hours and then the line hangs up. No one is saying what is going on. Customer service is responding to people on twitter who are reporting the same issue but avoiding answering questions or giving any information.
Product: Credit card

An online order was placed on Macys.com using my macys credit card on XX/XX/XXXX. Delivery shows as delivered vis XXXX XXXX XXXXXX/XX/XXXX, USPS XX/XX/XXXX, XXXX XX/XX/XXXX says delivered @ mailbox when no mailbox is in front of the home, they are community mailboxes, XXXX XXXXXX/XX/XXXX, and XXXX but there is no longer tracking available for that. I contacted the Macys online order department and filed a claim explaining the packages were never received and the two items that needed to be picked up at the store were never picked up since they were no longer available. The claim was put in on XX/XX/XXXX, then the claim was denied with no reason given after that I spoke to multiple different people with multiple different departments and the claim kept getting denied, I was told to file a police report which I did and even emailed it to them and still they denied basically saying I still owe the {$400.00}, one explanation I got was that my name was linked to multiple macys online accounts, a long time ago I had a Macys card that was linked to an XXXX email which hasnt been used and then an XXXXXXXX XXXX both those accounts have been deleted but to them it doesnt matter as long as they have a reason to deny, it seems to me they really dont care about their customers at this point. Today XX/XX/XXXX when I called they said to file a claim unfortunately thats not possible because its been more than 60 days and Ive been trying to resolve this with Macys.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}
Product: Credit card or prepaid card

Truist bank marketed to me with promotional offer of balance transfer with zero interest for one year and three percent transaction fee with deadline of XXXX XXXX to take the offer ; I did three balance transaction of {$10000.00} in XXXX and the fee was {$300.00} ; I was about to pay minimum in monthly then found they charged {$180.00} on XX/XX/XXXX later told me the balance on my card has 24 % interest ; nowhere did they tell me of such interest, they deliberately hided this when I requested transfer, it's abusive and deceiving.
Product: Credit reporting

i have continueslly disputed the account from XXXX # XXXX and XXXX XXXX # XXXX both frauds account established under my name last year 2015, account were opened as fraud and hacked and continue disputes have been filed with the creditors and equifax and nothing has been done by either parties and equifax still reflects these fraud accounts under my credit file and no signatures or proof from either creditor has been sent to me that my signature Authorized these accounts or any transactions made on both accounts
Product: Student loan

I have a Federal direct consolidation loan serviced by Nelnet with account number XXXX. On XX/XX/2020 I received a letter from Nelnet updating me as to Nelnet implementing the CARES Act requirements regarding the reduction of Federal loans such as mine to 0 % and the forbearance of such payments. 

The balance on my account yesterday, XX/XX/2020, was {$190000.00} and today, XX/XX/2020, it is {$190000.00}, representing the normal accumulation of interest on my loan ( {$29.00} 1-day difference ) as if the CARES Act 0 % interest cap was not applied. They have appropriately implemented the payment forbearance, with my monthly payment auto-debit showing on my account now as being 6-months in the future, making me concerned therefore why the 0 % interest cap has not also been implemented on the loan. 

This is illegal interest and I request Nelnet immediately halt the interest accumulation and retroactively apply interest credit to cancel the interest that has accumulated on my loan since XX/XX/XXXX in accordance with U.S. law. I have messaged their customer service several times over the past month regarding timeline as to when they will be implementing said interest reduction and they are unresponsive and which is why now I am seeking the CFPB as an intermediary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over a validation of debt request back on XX/XX/2022 and I have never received in insight back on Account # Professional CR Analys-Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will send copy of tracking and letter requesting information.
Product: Debt collection

A company named portfolio recovery has placed a derogatory mark on my XXXX   credit report for a second time for a account with XXXX XXXX that I successfully disputed as a identity theft. They waited almost a year to re-add the derogatory mark and are once again attempting to seek {$550.00} for a debt that was established as a identity theft through a dispute with the cfpb.
Product: Credit reporting or other personal consumer reports

American Express has downgraded and reported I am in collections, on my personal credit file with XXXX, XXXX XXXX and XXXX, the accout was a XXXX  account, my personal account has and has had for several years a XXXX balance. This is illegal I am not a personal debtor to XXXX  a count
Product: Mortgage

XX/XX/XXXX received more foreclosure documents. They are refusing to accept the principle payment to the loans with the understanding that the interest will be paid at the end of the term. If there are terms withing the loan documents that are opposite of this practice, then it was done illegally and without my knowledge. They need to stop the foreclosure process immediately and revisit the laws of this country.
Product: Credit reporting or other personal consumer reports

On XXXX a letter was sent to XXXX, Experian and XXXX requesting proof that XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting accurate information on my credit reports. I challenged my name, addresses listed and account payment history. I have been challenging this account for over a year and still receive the same response " Account Updated ''. But nothing has been updated and the inaccurate account has not been removed. 

I have since paid the account in full but it still reporting all the inaccurate information. I requested this account be removed because of all the inaccuracies, but Experian and XXXX still refuse to remove this account. XXXX has deleted this account from my credit report. This account has at least 25 inaccuracies reporting in its payment history. Please review attached documents as proof of inaccuracies.
Product: Credit reporting or other personal consumer reports

I was alarmed to see incorrect accounts on my credit report this morning, and I have no idea how they appeared. I frequently check my report, and everything was normal until today when I noticed these discrepancies. Hoping it was just a temporary error, I refreshed my browser, but the accounts remained. Given this issue, I urge you to carefully review the documents I have submitted so that I no longer have to deal with this concern.
Product: Checking or savings account

On XX/XX/2023 my bank account ending in XXXX was fraudulently used for multiple transactions resulting in {$9300.00} stolen from my account. The transactions were made from a casino called XXXX in XXXX XXXX, Florida. I live in XXXX, WA and have never been to Florida personally. I immediately contacted JP Morgan Chase Bank to inform them that my account was being fraudulently used and filed a fraud claim and lock my debit card so that more money couldn't be stolen. I also checked my online banking and saw that the fraudsters were able to change my address to somewhere in Florida. I immediately changed it back and had Chase lock my online account so that nobody could make changes until I visited a Chase Bank branch in person. I also informed them that I still had my debit card and I used it that night at a local XXXX restaurant XXXX  located in XXXX, WA. I was told by Chase that they were able to make a duplicate card and used my pin number to steal the funds from my account. Unfortunately, they have denied my claim as of yesterday XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to provide me copies of documents to serve as proof of verification to support their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

with the 3 credit bureaus on my credit report on inaccurate information. I have sent 3 dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as FCO, debt collections have not verified that I owe the debt. The 3 bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/2024. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, Englehardt v. Gravens ( Mo ) 281 SW 715, 719. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX The document provided is a legal document I provided to all involved parties. The 3 credit bureaus and FCO. I did not owe {$33000.00}. I owed {$64.00}. I asked for a litigation process and take me to court and they refused. Proving that the debt is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX   and deeclined me right to establish credit.