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. On XX/XX/XXXX I was scammed out of {$1400.00}. I tried to create a claim and 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.
Product: Bank account or service

XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX   I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX
Product: Vehicle loan or lease

It was also a voluntary repossession that was in the height of the pandemic and a direct result of the pandemic. I lost my job and house, the company said if I surrendered the vehicle voluntarily they would not put it on my credit report but not only did they put it on there they added interest which is violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently went to apply for an auto loan and checked my credit report and found that I have been a victim of Identity Theft. I was incarcerated for a long time a while ago and I believe at that time someone got hold to my personal information and has since being using my name to make inquiries and open accounts in my name. I checked my report yesterday and there are currently XXXX fraudulent accounts showing on my credit report and over XXXX inquiries that were made across the XXXX credit bureaus. I will proceed to list the name of the Creditor ; the Account number # ; $ How much the account is for ; the date the account was opened. I will then list the Inquiries the name of the company and the dates they were made. There is an account with XXXX XXXX XXXX # XXXX {$19000.00} opened XXXX ; Applied XXXX XXXX XXXXXXXX {$600.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$390.00} opened XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$750.00} opened XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$300.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} opened XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX {$650.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} opened XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} opened XXXX. There are also numerous Inquiries Ally Financial on 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 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
Product: Debt collection

I have been repeatedly contacted by HRRG regarding an alleged medical debt from XXXX XXXX XXXX XXXX XXXX. This particular debt was researched and resolved with both XXXX ( another medical debt collection agency ) as well as XXXX XXXX of Indiana, where it was determined that the bill falls under the No Surprises Act for medical billing. HRRG evidently took it upon themselves to acquire the collection anyway and is now calling my cell phone repeatedly, asking for personal information and using different numbers to reach me each time, as well as sending letters. There is NO DEBT to be collected and HRRG needs to stop contacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is still showing inaccurate information on my credit report. I have continued to dispute this company that has this information listed. the orginal creditor sold this to them and they are using inaccurate info to harrasss me. I am requesting that this be removed from all three of my credit reports because they have not been able to prove since XXXX that the amount, dates and information is correct and they refuse consistently to be compliant and remove instead. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX ( WRONG ) Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. ( WRONG ) Status updated XX/XX/XXXX ( WRONG ) Balance {$1000.00} Balance updated ( WAS NOT ) XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months ( INCORRECT ) On record until XX/XX/XXXX ( this originated in XXXX and not for that amount or this company )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Credit card

I SENSE FRAUDULENT ACTIVITY GOING ON IN PAYPAL I have been a PayPal user for more than 10 years, initially PayPal service was good, I was able to make about 2 purchases using PayPal. 

Because of my health challenge I wasn't active in business, and in PayPal for some few years. My PayPal account became inactive. 

So after my XXXX XXXX I decided to return back to business and wanted to continue using PayPal again. 

To my greatest surprise, PayPal restricted my account I couldn't view my account balance anymore, so I sent messages several times to PayPal to revalidate my account, and remove the restriction on my account to enable me make payment, all to no avail. 

They requested for my identification documents the first time and I sent it to service PayPal. 

PayPal ask me to pay verification fee so that my account t can be verified, PayPal charged me 3 times without verifying my account, and the charges were not refunded as promised in their agreement on their website. 


PayPal Customer service called me once to confirm my identity, yet PayPal refused to remove the limitation ban on my account. 

I forwarded to PayPal my proof of identity which is my : National Identity NO. 
National Identity Card My account statement Phone number My legal name my 2 Residencial addresses. 

Yet PayPal refused to allow me have access to my account. 

PayPal won't let me view my account balance, yet each time I want to make purchase PayPal tells me to go check my account balance first. 

I have the evidence and error message I received each time I want to make payment via my PayPal account. 

I was frustrated by PayPal, one day on my own I tried resubmitting my ID card and other documents, but I mistakenly submitted my old ID to PayPal without realizing it. 

Immediately after submitting it I received a message from PayPal that I will no longer use PayPal, because my information didn't tally, without informing me of the error or mistake I made while submitting my details. 

I remember vividly in one of their replies PayPal addressing me as XXXX XXXX instead of my legal name on my PayPal account, I am not XXXX XXXX, to me it's a costly mistake, yet I forgave PayPal. 

All evidence is in my PayPal message center till date. 

PayPal have permanently logged me out to prevent me from making use of my money. 

PayPal sent me an email telling me they will hold my balance till after 180days, that should any of my customers request for refund that they will pay my customers.

Am shocked at PayPal actoins, because PayPal knows I have not been able to access my account and view my balance for more than 3 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   The XXXX  XXXX XXXX not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that XXXX XXXX was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX A XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is Experian showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you
Product: Checking or savings account

I opened up a high yield savings account with XXXX. After about XXXX XXXX  I decided to try to use their investing tool on their app/platform. In a matter of a week, my account was restricted with all of my savings and emergency money. I called and they told me they would resolve the issue promptly. It has been over month and half. I have no access to my emergency money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE The following accounts need to be deleted. The negative remarks from these were reported in bad faith, thus preventing me from obtaining credit so I can take care of my family. 

*XXXX XXXX Last reported XX/XX/2022 *XXXX XXXX XXXXXXXX Last reported XX/XX/2022 XXXX XXXX  Last reported XX/XX/2022. Remove all late payments XXXX XXXX XXXX XXXX Last reported XX/XX/2022 XXXX XXXX, IN Last reported XX/XX/2022 XXXX XXXX  Last reported XX/XX/2022 Remove all late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted from TransUnion blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting companies has 30 days to complete dispute or the item in question is removed due to its unverifiable status. I will not stand for this anymore! TranUnion needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst TranUnion. TranUnion clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer The Law is clear!

I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card or prepaid card

The Fair Credit Billing Act limits liability for unauthorized credit card charges to {$50.00}.

If the issuing bank is notified in a timely manner, usually within 30 days, even the {$50.00} is often waived. That was the way the bank or credit card issuers should do. In my case, right as soon as I got alerts on the phone about the fraudulence, the payment was still in progress of pending, I did try continuously contact the XXXX, XXXX, XXXX, XXXX and my bank immediately, parts of the fraudulence was cancelled, which saved my loss, but the last one from XXXX could not. I then contact Bank of America again and again, talking, explaining to many Agents who were there supposed to help resolving the case. They asked me to wait for 2 months, then finally stated that I was responsible for the things I had not purchased. Once again, I phoned them, then they promised that they would try upon reopening my case to review/investigate again ... Today, XX/XX/2019, I got a letter from Bank of America saying the same thing they had previously told me, that their decision had not changed, which means they did not do anything but saying I have to be responsible for that ID theft, the one who stolen my money from Credit card easily escaped and I am the victim got charged. 
Please help me! Bank of America seems to be upset or angry when they found out I reported their wrongly decision, they appear to challenge me to report to more Agencies and even so, I still will be pay for that {$190.00} that I did not purchased with from my credit card, which I asked for another card to replace over 2 months ago after I got hacked into my computer. 
I would appreciate it very much if you could help. 
Best regards, XXXX XXXX