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

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle have failed to properly investigate my claims. I was told that recovering the lost funds was impossible and that tracking these transactions could not be done. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users at risk of scams.
Product: Credit reporting or other personal consumer reports

My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, XXXX XXXX, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and XXXX XXXX failed to provide this information despite my multiple requests ( more than two ). 

Initially, XXXX XXXX did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, XXXX allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask for my money back he was fake person and he played me right off the back they don't answer the phone I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts DO NOT belong to me.I was a victim of identity theft! I have contacted both credit reporting agencies and the creditors for a resolution. Through phone, mail, and online. As well as filed a police report. In accordance with 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 has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 2019
Product: Debt collection

I asked Hunter Warfield to only contact me by mail in a letter dated XX/XX/2022. They have continued to call myself and my husband, sometimes multiple times in one day, despite my request. They called me three times today, XX/XX/2022. I have also requested proof of a debt they claim I owe, for which I am not liable. They have not provided proof. I also requested information about their debt collection license, which they have also not provided.
Product: Debt collection

I am writing to express my frustration as you failed to remove the remaining fraud account from my credit report, despite confirmation from the bank and assurances over the phone. Other bureaus have already complied. Please remove the account immediately as agreed with the bank and in compliance with the law. 
XXXX XXXX XXXX
Product: Checking or savings account

Square/Block Inc. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Lender In XX/XX/2022- I was informed by Square ( payment processor ) that I had a UCC filed under my company. I did a quick search and noticed nothing was under my company through the XXXX of XXXX - Colorado. I also did a national search, not data. I sent multiple emails to Square in regard to the fraudulent UCC filing. Square would not recognize nor accept my evidence. I asked several times for them to provide the record number of the UCC filing. They did not and would not provide any information. The only information was to contact the lender XXXX XXXX- however, in doing so, they were not able to provide that information. 

After several months as I went back and forth with Square asking them to do the due diligence and research my company for UCC filings. They ( the XXXX XXXX  division ) refused to even respond with evidence of this. I was forced to reach out to the lender and work out a payment plan, in order for my funds to be accessible through Square. After 2-3 months of working hard, I was able to pay off the lender. I asked if they could provide me with the original filing of the UCC. I did research on the filing number .... WOW I said to my amazement the UCC was filed with the wrong business name. I mentioned many times to Square that there was not filing under my business name. 

This is classified under the XXXX code as " serious missleading ''. Not accurately checking the correct name of my organization is an egregious mistake and is punishable. 

I 100 % blame Square/Block inc. for not doing their part to accurately check/research the information provided, the customer agent were unprofessional and they could only escalte my issue, which took over 2 days to respond, so I havent ' bee responded to. In total, I lost over XXXX, not beign able to stock inventory, late payments of rent, in the process of eviction at my residence, lost of revenue at business and a drop in credit score b/c of late payment. I was not able to access any of my funds for over 2 months.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have discovered several fraudulent accounts on my credit report, which are not mine and are preventing me from securing credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently request their immediate removal. Please expedite the investigation and correct my credit file. Thank you for your prompt attention to this serious matter.
Product: Checking or savings account

On XX/XX/XXXX, I contacted the Navy Federal Credit Union as I was a victim of identity theft and XXXX XXXXXXXX back in XXXX as a result of those incidents, my Navy Federal relationship was lost. I contacted Navy Federal and was informed that all the identity theft information that I had previously provided as well as bankruptcy information had not been coded to the appropriate departments. I spoke with the bankruptcy department assuring me that the information was corrected on their departments end, and they would need to transfer me over to the remaining department for the restriction to be removed. After being on hold for well over 2 hours I was told that I needed to file a claim and I would be contacted in 2 weeks via email or phone call. 

On XX/XX/XXXX, I contacted Navy Federal because no one had contacted me by any form of communication means. The 1st representative XXXX XXXX ) she immediately stated that the claim was closed and that unfortunately the restriction was going to stay on. I questioned as to why? " XXXX without hesitation quipped with a lie. Someone called you and you answered. I immediately question? Called me on what day? She then paused and then lied again and stated I didn't say they called you, I stated that the same date you made the claim you were told that it could not be reversed. I immediately protested. Because that is not the truth, I then requested to be escalated to a supervisor ( XXXX ) 2nd liar on duty. XXXX is not only a liar he was a XXXX XXXX which is an XXXX but allow me to explain I immediately explained my previous conversation with ( XXXX XXXX he then went on to say that he was not privy to the conversation before the transfer when I asked the status of my claim, he stated give it 30 days. I asked how was ( XXXX ) able to give an assessment or provide the information and he insisted he wasn't privy to the information. When I questioned where I would receive my allege letter in 30 days in did not have my address. 

XXXX XXXX XXXX ID XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST RE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX ACCT # XXXX Dear Sr : I received a debt collection from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 


Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 


the XXXX XXXX XXXX XXXX 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 opened a new Walmart Rewards Card with CapitalOne around XXXX of 2024. I opened this account because the offering was 5 % Cashback on all Walmart.com and Walmart XXXX purchases. However, in XXXX, I was notified that CapitalOne was closing my account, without my permission, and changing the account to a Quicksilver Account ( which I already had that same account type open with them ). So I feel I have been defrauded, as the only reason I opened this account ( which negatively impacted my credit score for a new account and age of accounts ), was for the rewards offerings. Again, I already have a Quicksilver account, and do not need two of the same accounts/cards. CapitalOne made no attempt to offer a different type of account ( such as Venture Card, Savor Card, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXX sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.
Product: Checking or savings account

XXXX XXXX info in XXXX. XXXX  stolen XX/XX/22 account started same day on direct deposit checking account.
Product: Vehicle loan or lease

Bought vehicle in 2014. Voluntarily returned vehicle less than a year later due to poor condition and the cost to repair compared to value of vehicle. The vehicle had been repossessed from the previous owner and had not disclosed activity. The company then sold vehicle at auction, then charged off the account. Years after charging off account they updated a new balance on account with a different balance. XXXX  has done nothing to fix this. The company keeps reporting every month that the debt is charged off but a balance remains?
Product: Credit reporting or other personal consumer reports

I defaulted on this vehicle loan more than XXXX years ago. This loan is still on all of my credit reports. I requested that this company give me proof of what this vehicle sold for at auction. I never received this information and it has been more than XXXX days. I also requested that the company give me proof of when this loan first went into default. I never received this information and It has been longer than XXXX years and I would like for this to be removed from my credit report as per federal fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15U.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. 

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$440.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Product: Credit reporting or other personal consumer reports

I have received 6 emails from two Experian representatives. 

XXXX XX/XX/XXXX XXXX Experian smart money digital checking account with {$1000.00} offer XX/XX/XXXX XXXX New Credit card offer XX/XX/XXXX XXXX balance ( {$960.00} ) transfer offer to a new card Due to the nature of credit report company, thy company must know the customer 's monthly payment ; therefore, I need to ask which month of credit card owing amount you mentioned here. I have checked the credit report from XXXX at this moment, and unable to find out any month in which I was charged {$960.00} for more than 2 years. Kindly, would you explain this discrepancy with another major credit report company in the United States, as another major credit report company, Experian. 

XX/XX/XXXX XXXX view full credit profile, which usually ended up to the credit card offer site XXXX XXXX credit report, which is same. I requested to send the formal printed out report, if this office and other office continues to change the content. Just give me the printed one as their evidences, compare the contents, and disputes.

I attached the screen shot of one email which this office says the important information. There are two issues. I continued to send the printout to the office, XXXX XXXX XXXXXXXX, XXXX, TX XXXX, the copies of social security number and driver 's license, same as other credit reports companies. I realized this addressed Experian office asked me the removal of my name from pre-approved credit offer mailing lists. This office sent me another postcard yesterday. In total, this office sent same postcards, which scanned and attached at least four times. In email from above-mentioned which starting from 'dispute ' asked me to submit my personal identity proof and address proof, such as " One copy of a utility bill, bank or insurance statement, etc., '' which I have never asked to be submit by other credit union companies, except recently received credit card offer company, XXXX.
Product: Credit card

I did a search for XXXXXXXX XXXX XXXXXXXX and saw purchase tickets. I clicked on it and paid for 3 tickets for the XXXX XXXX it even had a layout of the seats. I never received the tickets. In the month to follow I then developed a XXXX on my XXXX XXXX and was unable to travel. I originally explained that I had not received my tickets which I never did. Then I called to say I had not received my tickets and I had a medical reason that I could not travel. 


Dear Capital One I have enclosed the following documents : Sales Invoice from Tickets Center I was never informed about any cancelation policy nor have I ever seen or was offered any of the documentation attached to your letter dated XX/XX/XXXX from XXXX XXXX. 
On XX/XX/XXXX I Pressed the contact button from the email I received on XX/XX/XXXX to explain I never received the tickets. 
On XX/XX/XXXX I received a response from a company XXXX XXXX. 
When you go to XXXX there is where they list that there is no cancelation policy the documentation attached to your letter dated XX/XX/XXXX. 
As I dug further to try to find a live person I found out that a company in XXXX  owns XXXX and the company in XXXX has a phone help desk which is out of the XXXX. 
When I called the customer service I discovered the customer service rep was from the XXXX and did not understand what I was saying. All she did was continue to read a script You have already received your ticket I told her no I did not and to prove to me that I had received my tickets. She than no longer wanted to talk to me and hung up. 

I called the XXXX XXXXXXXX XXXX Ticket office to talk to them about my tickets. I was then transferred to the manager XXXX her direct number is XXXX. She said they were having a lot of problems with customers being tricked and the tickets were already sold to a XXXX XXXX and that is why I had not received the tickets. XXXX said she would be more than happy to talk to the credit card company. 

I dont know what more I can say except I got scammed and found our 3 different companies are involved. Capital One came back and sent me a letter stating my dispute with XXXX XXXX had been denied.
Product: Debt collection

My credit report reflects two accounts of the same amounts of {$170.00} from the same company XXXX XXXX XXXX for the collection of funds for XXXX XXXX XXXX This is a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not reliable for this debt with navy federal credit union acct # XXXX, I do not have a contract with navy federal credit union they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the XXXX to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15usc1681s-2 ( A ) ( 1 ) A person shall 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 accurate also they are not in compliance with XXXX reporting I have evidence to prove my case.
Product: Mortgage

We filed for Chapter  XXXX  bankruptcy in early  XXXX  to save our home from foreclosure. At the time, our mortgage was with  XXXX . During the bankruptcy the loan was transferred to  XXXX  then to  XXXX   XXXX   XXXX . Our last mortgage payment made through the bankruptcy to a mortgage company was  XXXX . At this same  time Ditech began se rvicing the loan. The filed paperwork stating that we were behind on payments, but then relented and said the loan was current. I tried to cont act Ditech  in Fall of  XXXX  to try to have PMI removed.  Ditech w ould not talk to me and referred me t o a 3rd party bankruptcy servicer. This 3rd party sai d that they showed my payments as current and that I would need to make my request by fax to  Ditech to have the PMI removed. I faxed Ditech, but ne ver heard back. In  XXXX  of  XXXX , I tried to contact Ditech again and was again referred to t he 3rd  party servicer. They again confirmed my payments were on time and that they had made multiple requests to  Ditech to begin servicing the loan again because my bankruptcy had discharged  in  XXXX . I contacted the servicer a few other times about the change in servicing. On  XXXX   XXXX , I faxed  Ditech to reques t they begin servicing the loan again, to remove PMI, and to recalculate our escrow because they had made an error in the estimate. About a week later I received a letter fro m Ditech stating tha t we were past due {$3300.00}. I left a message for the agent  XXXX  at extension  XXXX . When she called me ba ck three  days later I missed the call. On  XXXX  I faxed  Ditech  court paperwork from their lawyers stating that as of  XXXX / XXXX / XXXX  our mortgage payments were current. Since this time we have made all mortgage payments. I received a call from  XXXX  at extension  XXXX  on  XXXX   XXXX . She stated that we did not make all of our payments during the bankruptcy or that some payments were made but not for the full amount due. She was unable to tell exactly when this happened due to the transferring of the mortgage, but she was going to send me a payment history. She reminded me of the amount past due and the possibility of foreclosure.
Product: Credit reporting

I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.
Product: Debt collection

I did not owe XXXX XXXX XXXX. I do not owe XXXX XXXX, {$640.00} or any other amount, XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed as XXXX XXXX, with the following details : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. Additionally, I have noticed several other inquiries listed on my credit report that I do not recognize, including : Credit Plus : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Additionally, the following addresses are incorrectly reported on my credit report and do not belong to me : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent. I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 2. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me. 3. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.