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

I am writing to formally express my concern regarding zelle 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 my zelle was not applicable. The cfpb finding indicated that zelle has not only neglected to protect consumer but has allowed repeated offenders to Exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about my consumer safety.
Product: Checking or savings account

Overdrawn account for unnecessary fees. I cant open up an account
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024and 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 generallf, 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, credit repair services, or other personal consumer reports

XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; Tried resolving directly with companies. I have previously had identity theft before
Product: Debt collection

Lockhart , Morris & Mont is violating my rights under the no surprise act of 2022. I have one medical bill in the amount of {$1100.00} that an out of network provider is charging without my prior authorization.
Product: Checking or savings account

I have XXXX in investment account and I want my money back! They cant take someone money bc my checking account got restricted. They said they wont give my money back because of my checking what have nothing to do with my investment.
Product: Student loan

I have wrote sallie Mae and sent them a letter ask them to release my co signer because I can afford to pay the loans off myself also since Im not in school no more I would like if they stop the payments until I can pay them off they also raised my payment
Product: Credit reporting

I have disputes all the unauthorized/ fraudulent activities in my report. They are not removing the items that I dispute.
Product: Checking or savings account

XX/XX/XXXX I was called by Chase, XXXX, informing me an attempted charge in California from XXXX XXXX. I declined that it was me and then was told I was good and that a new card would be sent. I was told to rejoin the Chase fraud notification messages alert so I did and thought everything was okay. 

On XX/XX/XXXX I was called again by Chase, XXXX XXXX, about suspicious activity and when I checked my bank account I saw multiple ATM transactions on the XXXX and XXXX. XXXX transactions with amounts ranging from of XXXX $ for a total of XXXX XXXX After discussing, the Chase representative on this phone call informed me that they cancelled and would send a new card again just like in the previous call and I disputed the charges right then. 

My claim was denied, and I don't know what to do. My card is always on my body so I don't understand how this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting to Chase as XXXX says to contact Chase and then Chase says to contact the credit bureaus. No one CARES. 

It's been delinquent since XXXX and should be removed per FCRA. It was NEVER brought current. It was sold to another company. 

XXXX is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX  This is shown on the attachment XXXX Chase XXXX In the same attachment, it also shows delinquency started in XXXX. I have disputed this dozens of times with XXXX and they refuse to update anything. They claim everything is verified. " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY '' This is shown on the attachment XXXX XXXX XXXX XXXX took less than 48 hours to review my dispute and I'm requesting that XXXX answers all my questions in the method of verification letter attached named XXXX XXXX-Chase-XXXX XXXX  48 hours seems awfully quick to verify a dispute for something that has ruined my credit report and financial situation for many years. Per the FTC website. https : XXXX Section Delinquent Accounts FCRA 623 ( a ) ( 5 ) ( A ) There are several examples shown under the FCRA that describes my situation. Please review the FTC website I have shown above for clarification. My account became delinquent in early XXXX and was never brought current. Meaning the correct delinquency date is early XXXX and NOT XX/XX/XXXX. XXXX is incorrectly reporting information on my account and also it should be completely removed as it's been 7 years. I have time and time proven this a dozen times over the past years and every single time XXXX doesn't even make an effort to review the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on XX/XX/2020 under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two mortgages with lake view/XXXX XXXX they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX points on my XXXX credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXXXXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on XXXX.
Product: Checking or savings account

It is impossible to manage my funds if I feel I may be getting low with First Merchants Bank, as the institution will continue to process transactions 24 hours a day. If I check my funds in the morning and my account is showing that my balance is still positive, I feel assured that I will not go into the negative and be charged overdraft fees. However, the next morning I will check my accounts again and I will be negative and have several overdraft fees totaling XXXX XXXX XXXX, showing a bunch of transactions processed the day before that were not showing on my account when I checked the previous morning. Through my own investigation by checking my account at various times throughout the day, I have found that First Merchants Bank will process transactions all day long. You have to continually monitor your account all day long to ensure you are catching transactions that were pending for a few days and finally processed in order to not have your balance taken into the negative and overdraft fees charged. I have even found transactions will be processed right before midnight on the previous business day, ensuring your account will overdraft while you are sleeping and you don't have a chance to do anything about it, and will be charged overdraft fees. I have contacted customer support on this issue before, as it has happened to me multiple times in the past couple years since my bank was bought out by and became First Merchants, and been advised that First Merchants Bank is not responsible for the way they process transactions or how it harms customers, and been advised that I should just have more money in my account to solve the problem. I have also enrolled my account into a balance alert program that will text me when my balance goes below {$1.00} in an attempt to monitor and prevent this from happening. However, I have not been receiving these text balance alerts until after the damage is already done and the fees have already been charged.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inquiries attributed to your company that I do not recall authorizing. As I understand, such inquiries should only appear on my credit file with my explicit consent. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The bill was for XXXX from XXXX XXXX in XXXX Louisiana XXXX from XXXX I contacted XXXX XXXX back in XXXX XXXX  to resolve the bill on my credit i was told if I could come up with XXXX they would put as my bill was paid in full. I paid them XXXX as promised the bill came off my credit report and now I have lockhart, morris & mont saying the bill has not been paid. Ive tried to contact XXXX XXXX  and no numbers work for the company they have shut down and is no longer in business Ive tried XXXX different numbers Ive emailed them trying to get a response.
Product: Checking or savings account

We have been getting an unauthorized charge from XXXX since XX/XX/2020 and PNC Bank will not help resolve the issue. In fact they just collude with the vendor. We contacted XXXX several times and they say they can not help without an account number. We gave PNC the transaction information listed on our checking account statement and request additional information about the charge. PNC 's reply was exactly the same information we gave to them, that is just what was listed on our statement and nothing additional. We requested the reversal of a charge and PNC then replied that their information showed the charge was correct. So only having the date and amount is all that is required to deny a refund. PNC 's despicable conduct would allow all thieves free access to all money. Additionally, the debit card being charged has expired yet PNC continues to pay with an expired card for transactions we want stopped.
Product: Prepaid card

I have a {$200.00} balance on an AmEx prepaid gift card that I am unable to use anywhere online - even though I have followed the instructions to only use sites that use the card number, expiration date and security code. 

I have tried XXXX, XXXX and XXXX. None will accept the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, originated a loan in XXXX with me when they were not licensed under California Financing Law to lend in the state of California. They made false representation on the promissory note that were license to lend when in fact they were under a Desist and Refrain Order by the Commissioner of Business Oversight of the State of California. ( See enclosed Order. ) They were not properly licensed until XXXX. This company has had a history of predatory and deceitful practices including changing the company name several times, using non licensed agents for lending, and originating mortgages with a false NMLS number. The loan itself charged a criminal 116 % compound interest. I paid over {$17000.00} on a {$5400.00} loan and still owed over {$5400.00} according to their calculations. 
In addition to this, the company reports a false payment history. The only lates that should be reporting are the XXXX lates that caused the account to go in default. However, XXXX inserted false lates in XXXX ( see enclosed old & current reports comparison ) AND under agreement with a XXXX supervisor, the lates of XXXX were to be removed. I've attempted to resolve with XXXX and Experian to no avail for the last 2 years. 
I want the account removed from my credit report since they were not licensed to lend and practice predatory lending.
Product: Vehicle loan or lease

I tried to resolve the issue with XXXX XXXX but they informed that they no longer have the account. I requested for it to be removed since they no longer have the account. I was told that it was given to a lawyer so i will like it to be removed because im resolving it with the lawyer who now has the case.
Product: Debt collection

XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?
Product: Debt collection

I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from XXXX XXXX so I can be approved to but me a home this year. 
However, the original creditor is CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.
Product: Mortgage

I have called and sent emails with no one responding to either. I was looking at my account and I saw something noted that I agreed to pay approximate {$3500.00} for 4 straight months beginning on XXXX. I have not agreed or seen such document saying such and would not agree to anything like that. I am current on my mortgage payments but had previously submitted an application about 3-4 months for loan modification and/or assistance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a tax-year XXXX form 1099-K from Cash App ( Block , Inc. ) reporting that I had received more than {$6000.00} in Cash App payments. The 1099-K was addressed to me, at my address, and included the correct last 4 digits of my SSN. 

I do not have, and I have never had a Cash App account. 

I reported identity theft to Cash App on XX/XX/XXXX, and provided them details including a copy of the 1099-K. In a subsequent request for status via email on XX/XX/XXXX I also requested that the fraudulent account be closed and reported to authorities, that a corrected 1099-K be issued, and for Cash App to provide me documentation of these steps. 

I also reported identity theft to my local police on XX/XX/XXXX, and to the FTC on XX/XX/XXXX. 

On XX/XX/XXXXXXXX  I received an email from Cash App indicating that I should " Contact local law enforcement and have agents submit a request for information ''. 

Since I had already reported this to the local police I'm not sure what steps they wish me to take. Hence this seems like an effort to avoid dealing with the problem.
Product: Debt collection

Quality Asset Recovery, LL sent me a collections letter on XX/XX/XXXX stating that I owed their company {$3000.00} for their XXXX XXXX XXXX. It is apparently an old lease agreement from XX/XX/XXXX. The entire management staff no longer works at the apartments and the apartment complex had no knowledge of this debt. I requested documentation concerning the debt because to my knowledge I did not owe this company any money. I received copy of the old lease with revised financial account statement. On the statement dates, payment amounts, charges, and reasons are clearly fraudulently altered. I have requested that this debt be removed from my credit report but collections activity has continued to occur. I was also informed that this account was purchased by this debt collector, it is not valid and I wanted to report the illegal activity of this company, and I would also like for this debt to be removed from My credit because I do not owe this company any money. Thank you ~XXXX  XXXX~
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has refused to comply with my opt out notice sent over one month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as XXXX5 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I approached Fulton Bank about an issue with my Travel Trailer Loan. I was concerned that the bank was reporting my payment information incorrectly. I had paid off a large portion of my loan but they felt that I was behind on payments when I was actually years ahead of my payment schedule. I was also concerned that the Bank had not afforded me my SCRA benefits over several military deployments. 

After several discussions over the next few months and several in-person visits to a local branch. I was told that the account had been reported incorrectly and I had not been given my SCRA benefits. I was also told that they owed me over {$3000.00} and would correct the issue and close my account. They did send me the money that I was owed but they kept the account open ( although I was assured it would be closed ) and continued to report the account late when it was completely in error. 

Since the account was recently closed, I have tried on several occasions to have the wrong information removed from my account. Fulton Bank told me to submit a dispute with each credit reporting agency and they would correct the issue from their end. I have done that and the information continues to be reported in error. 

Fulton Bank has never made an effort to correct this issue. They know that it was reported in error and had never made an effort to fix it from their end. They made a significant error with my SCRA benefits and now continue to make the issue even worse by negatively impacting my credit.

I have attached the dispute results to this complaint. You will notice that when I first brought up this issue to Fulton in XX/XX/XXXX, I only owed {$2800.00} on the account. So the account would have already been closed if they had applied my SCRA benefits correctly. You can also see my payments across XXXX, which were often {$500.00}, {$600.00} or even {$930.00}. I was doing everything I could to pay this account off early. Any reporting from Fulton Bank that I was delinquent or not a good customer is blatantly false.
Product: Debt collection

Midland Funding LLC was awarded a judgement against me ( XXXX County Court/NJ Docket # XXXX ). The judgement was from a debt back in XX/XX/XXXX, I satisfied this debt in accordance with said judgement in XX/XX/XXXX. I moved shortly thereafter and the address on file ( XXXX XXXX XXXX XXXX NJ ) was outdated. There was no mail correspondence forwarded to my new primary residence ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) so I never received the documentation ( Warrant of Release ) required by law in order to file with the court to have this judgment reflect " satisfied/closed ''. I am in the process of getting final approval for a mortgage and need to correct the status of the judgement in question with the court prior to closing. I have reached out multiple times to Midland Funding LLC and have received varying answers from " they show it was mailed '', " they do not provide copies '', " in my state they don't file the warrant with the court that the debtor has to '', and " they did what they had to do with the court ''. The last one is inaccurate because my last call was to the actual court and they informed me Midland Funding did not in fact file any warrant with the court in regards to the judgement being satisfied. I find it extremely unprofessional that nobody is on the same page and can not provide proper guidance and required documents.