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

I am writing to express my deep concerns about how Zelle handles disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which sheds light on significant flaws in the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to properly investigate my claims. I was informed that recovering my lost funds was not possible and that tracking these transactions was not feasible. The CFPB 's findings have revealed that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, putting users at greater risk for scams. This lack of accountability and transparency is troubling, and it raises serious concerns about the safety and trustworthiness of Zelle for consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under al open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediataly as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2020 i deposited two checks, each for {$1200.00}. This is a recurring transaction. Several days later the payor, a tenant, advised that the funds were not withdrawn from her account. I checked my Citizens bank account and saw that only {$1400.00} was credited. I called Citizens Bank customers service and was told the issue would be resolved. As of today it has not and I have had to contact the branch again. I did send a message via the contact section on the mobile app, but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30 day late notice on my XX/XX/XXXX payment from Continental Finance after successfully making my payment within the " CFC '' app. Once I received the notice, I called their customer service team and they informed me that I would need to send in a fax stating what happened and it would be reviewed/taken care of. I sent in a fax on XX/XX/XXXX and was told that it would take 72 hours to review the fax with a decision. 1 week went by and I heard nothing from the company. I then called back in and another customer service representative directed me to send in another fax because the initial one had not been received. I proceeded to send in another fax on XXXX. I followed up with calls and was told by 4 different customer service representatives that they would follow up with an answer. I never received a follow up call from the reps so I called back in on XX/XX/XXXX. on XX/XX/XXXX I was told that the fax hasn't been received and I would need to send in another fax. I am in the process of applying for a mortgage and this 30 day late is stopping me from getting good rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the inquires listed are unauthorized. I demand the authorization and proof of inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an account at XXXX to verify my credit history. A day later, I started receiving marketing messages from Experian. The first offered me an opportunity to boost my credit score with " Experian XXXX '', ostensibly a credit repair product. The second told me to review my " financial profile '', some other Experian product pushed to me without my consent. 

The problem is that when I opened the messages to find an unsubscribe button, there was none. In its place was the following text : " This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. '' The messages I received contained no important information about my account. They were ads for Experian products I don't want. I was able to manually log into Experian and change message preferences, but the lack of unsubscribe button on marketing messages is definitely not legal.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received the first letter from US Collections West, stating that I owe XXXX XXXX XXXX XXXX {$260.00} as of XX/XX/XXXX. 
On XX/XX/XXXX, I received a second letter from US Collections West, stating that I now owe {$260.00} as of XX/XX/XXXX. 
According to the move-out statement provided by XXXX XXXX XXXX XXXX XXXX I only owe them {$250.00}. US Collections West is charging me interest every day while they failed to provide clear instructions on how to pay. I tried calling the phone number and accessing the online portal XXXX stated on the letter. No one picked up the phone and the online portal doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute to correct and remove an account thats more then 7 years old twice and it keeps getting denied. Its been 3 times already and Ive called them several times and the most recent time as of XXXX  Equifax is saying the account is not showing a date of last delinquency. I know the account itself is old and Ive reached out to XXXX and they told me theres nothing that they can do about it. If theyre denying the dispute then they have to know the date of last delinquency so Im not sure why this account from XXXX XXXX can not be deleted from my report. Ive tried several times and waited for months to end up constantly going in circles about this. I just would like this off of my credit report so I can continue to build and fix my credit. But this hinders me even though its old. Thank you.
Product: Payday loan, title loan, or personal loan

I signed up for a credit building loan of {$720.00} from Self Lender on XX/XX/2021. 
Due to being XXXX  with XXXX i missed the monthly payments of XXXX and XX/XX/2021. The payments were made 30 and 60 days late, resulting in my credit score dropping to XXXX. The loan has now been closed, and no money is owed to the lender. I have contacted Self Lender in regards to deleting the account off my credit report, so i have a chance at building up my credit again. They refuse to help me. From now on, i will have to struggle greatly with finding an apartment, or getting a new job within my line of work, for years because of circumstances out of my control. Therefore i ask you kindly to intervene in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

5 years ago I took out a high interest personal loan with Eagle Loans XXXX XXXX and shortly thereafter hit a financial crisis and couldnt pay so I contacted the office and spoke to the manager and explained everything to her, she was super nice I believe her name was XXXX and she stated that I dont need to worry about it as I had been a good customer before and she would write off the loan and not collect on it. I then decided to file XXXX XXXX but had to dismiss that when I couldnt afford my house anymore and was forced to sell it. I never heard anything from Eagle Loans again for 5 years consistent with what the manager told me until XX/XX/2023 when eagle loans contacted me and said they had located my loan and wanted me to pay immediately I explained everything to them and they just ignored what I said and said there was no record of that I asked then why would the loan sit there for 5 years with zero communication or collection attempts and that validates what I told you and they just ignored me. I offered to settle the loan for {$500.00} and they referred me to an attorney. I spoke to the attorneys collection manager and explained everything to her and she said that eagle loans claims there is not record of this and I asked then what did they wait 5 years to try to collect? And she didnt know. I then offered a {$1000.00} settlement in full in good faith even though I was given a verbal agreement 5 years ago that I would nott have to pay and the collection manager stated that she would speak to eagle loans and get back to me. Instead of ever getting back to me they just filed a civil suit asking for {$2100.00} plus 5 years of interest at 25 %. This company is ignoring what their authorized representative told me 5 years ago and acting in bad faith, an almost predatory manner with the statue of limitations up at end of this year. A company should keep their promises and negotiate in good faith
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit card

The bank responded to my previous inquiry but didn't resolve the problem and made confusing statements. It's not clear if the bank knows that I'm asserting that these charges are the result of fraud and were made without my knowledge. The bank says that they did research and found more charges than I originally noticed. That brought the claim from {$2500.00} to {$6400.00}. In the bank 's response, they state that an error was made and a claim update was sent in XXXX after my claim was denied. That makes it sound like no one is paying attention so there may have been an error which resulted in my claim being denied. Furthermore, after reviewing the evidence submitted by the merchant there's nothing that proves I authorized the charges. They mention a phone call but who did they speak to? There is no signed receipt or contract, photograph, or audio recording. It looks like an authentic bill but it's for charges that I didn't authorize. None of this makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Experian credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding several issues with my credit report. Upon review, I discovered multiple inaccuracies, such as incorrect account listings, inconsistent billing details, and accounts that do not belong to me. These discrepancies pose a significant threat to my financial stability, and I urgently seek your assistance in resolving them.
Product: Debt collection

Sure, I can help you rephrase your complaint for the CFPB. Here 's a possible rewrite : I received an unsolicited text message this morning from a debt collection agency, Midwest Fidelity Services , LLC, which is in violation of both XXXX 's Forbidden Message Categories for SMS and XXXX in the XXXX and XXXX and the law against unsolicited text messages. The message was sent from the XXXX number XXXX and stated, " This is Midwest Fidelity Services , LLC please contact one of our reps at XXXX https : XXXX https : //mfseportal.com/knowurrights STOP to STOP ''. 

I did not provide prior consent or opt in to receive such messages. As a consumer, I am concerned about the security of my personal information and the potential harm that can result from fraudulent debt collection attempts. Therefore, I would like to file a complaint and bring this matter to your attention. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX : account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

All these account on my credit report are fraudulent and anything after XXXX is not mine and people have used my information and SSN number for you name they used so much to much list .Account number # XXXX XXXX bank / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank # 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: Credit card

I submitted information to XXXX regarding accounts paid on time and paid off, such as XXXX XXXX  and XXXX loan since XX/XX/year>2024. I advised that loans were paid and did not report loans paid off. XXXX or XXXX did not report on my account as paid off. I called and spoke with a representative regarding duplicated hard inquiries for XXXX XXXX. 

However, XXXX did not remove duplicated inquiries. XXXX and XXXX removed the duplicate inquiries. 

However, these credit card balance inaccuracies are not reported accurately on my account, and I have notified all three credit bureaus. 
Moreover, my account was affected by XXXX 's credit breach. I did receive compensation from CFPB.
Product: Debt collection

This debt collector has called multiple times, with the most recent today at XXXX from telelphone number XXXX. Always says from Debot collector and to call XXXX. 

I have called them 3 times and they are looking for XXXX XXXX. I tell them XXXX has not had this number in 6 years and ask them to take the number out of their system. 

They always hang up right when I am finishing my request to remove the number. 

They ahve called enough times that I researched to find out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found his new number and dont understand why this company cant do the same instead of calling my cell number all the time looking for him.
Product: Checking or savings account

On XXXX/XXXX/22, I opened a business checking account with US Bank. The account had a sign up bonus of {$400.00} if I deposited at least {$1500.00} in new money within 30 days after opening the account and made XXXX debit purchases. 

After opening the account, I initially funded it with {$200.00}. Then on XXXX I transferred in {$1000.00} and on XX/XX/XXXX I transferred {$350.00}. All these deposits were new funds and I deposited {$1500.00} within 30 days of opening on XX/XX/XXXX. 

I also made XXXX debit purchases to satisfy the second requirement. 

US Bank refuses to award the {$400.00} bonus because it claims I didnt deposit {$1500.00} within 30 days of opening. It says my {$200.00} deposit after opening the account did not count. Nothing in the terms stated that the initial funding about would not count. It is also nonsensical since this is a brand new account so any funds added are new funds. 

Ive contacted US Bank XXXX times and each time the representative agreed that I had properly deposited at least {$1500.00} but yet US Bank keeps denying the bonus. Despite completing all the requirements on XXXX/XXXX/22, I still havent received the {$400.00} bonus.
Product: Credit reporting or other personal consumer reports

To remove XXXX XXXX account Information ending in XXXX as its not my account and Im not responsible for it. Remove it from my account assp!! See attached. 

My ssn XXXX XXXX XX/XX/year>