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

I am writing in hopes of resolving my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit pointing out significant issues with Zelle. Despite using Zelle frequently and having issues with certain transactions, my financial institution and Zelle failed to investigate my claims adequately. 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 scammers. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

WESTERN UNION MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SENT FROM XX/XX/XXXX TO XX/XX/XXXX PER LAW.
Product: Checking or savings account

On XXXX a check payment to XXXX XXXX  in the amount of {$500.00} cleared my account- screen shot attached. Other payments came into my account AFTER this payment cleared that caused an overdraft. Rather than returning a payment that caused the overdraft - the payment for XXXX was returned. Screenshot attached. This payment was for my electric bill and is going to cost me a returned payment fee and they will no longer accept payment by check. This payment should have never been returned as you can see from the attached there were enough funds in the account to cover the payment.
Product: Student loan

on XX/XX/25 I went to student aid.gov and applied for the SAVE program to see if it would greatly reduce my monthly payments. I did not realize that in doing so this would rectify my income for IDR programs. 
I have called Aidvantage and requested they REMOVE this recertification from my account and they refuse to do so, even though I am not due for recertification for 6 Months post the date of my loans becoming due. 
The woman I spoke with at AidVantage told me this was not possible. I know she is not correct because I made this mistake once before like 8 years ago and had the application removed or rejected by my loan servicer ( XXXX  at the time )
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating the law by reporting two accounts that 1 ) I was never given a notice for. According to the FCRA they have 5 days for a written notice to be given. Also these accounts have an arbitration clause. I dont know who gave them the right to collect on a contract with a clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. FSTPREMIER XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$23000.00} XXXX XXXX {$960.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on my credit report.
Product: Checking or savings account

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXX.The same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accountsXXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about C.C . XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my zell removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXThey want proof how am I suppose to provide proof when info was stolen from me..WFXXXX XXXX is not secure as the world is finding out. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local media. As of XX/XX/year> my funds are still not recovered.WF offered a mediator but have heard from anyone.
Product: Prepaid card

I signed up online for a phone line through XXXX XXXX  I paid the {$40.00} to get my line going and activated and upon complete ion the said my device wasnt compatible after going into the store. They attempted to give me a refund for the {$40.00} but was not successful through the store so they put in notes to have disputed through bank and they would note it in the account this purchase was made on XX/XX/year>. I immediately did what the company said without any hesitation and cash app denied my dispute even though the company said thats the only way to get my money back and had approved the dispute on their end.
Product: Credit reporting or other personal consumer reports

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account # XXXX. This account is fraudulent & I have filed & provided a police report as well as provided a letter of incarceration stating I was locked up during the time the account was opened
Product: Debt collection

On XX/XX/2021, a debt collection was opened against me by a company called " Commonwealth Financial ''. I have researched the company and could not find an email, address, phone number, or license number that enables them to collect debt in the state of Texas. On XX/XX/2021 I contacted the secretary of state for Texas to validate this entity. Per the documents I was sent by the SOS, it appears that this entity is not valid. Please see the attachment. I have reasons to believe this is a scam. 

Thank you
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have recently received my current credit reports from Transunion, XXXX and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While Transunion and XXXX shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear Experian, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX with the account number XXXX. 

This charge-off is inaccurately reported because I have not received a XXXX form from XXXX XXXX, which is required under IRS regulations when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy and completeness of the information being reported. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the status update and the status of the charge-off do not correspond and are contradictory. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Charge-Off : [ Date of Charge-Off ] Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely,
Product: Credit card

The credit card company sent a letter indicating that the card would be cancelled for non-use within 60 days. At issue is the impact of this cancellation on my credit rating. A call to the company provided no change to their cancellation plan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I opened an account with XXXX ( Commenity Bank ) and kept the account current until several months ago when Commenity started charging late fees after they increased the amount they wanted me to pay monthly, that I could not afford. I spoke with their collections office on several occasions and was asked to provide a date when I would be able to get the account up to date. They continued to add late fees, I continued to be unable to afford the elevated payment. Commenity has several offices calling me from several different phone numbers for collections practices and they are also texting me. I have had to block several of the numbers as I am getting called from this company 10-15 times on average per per day. Sometimes it's even more. They are also calling my family members-cousins, nieces and brothers and neighbors. I am XXXX and not in the best of health. I have tried to work out payments with several of their staff, but they are demanding I give them my bank account information so they can do auto drafts from the account. I am the victim of identity theft, I won't release that information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I have submitted proper documentation to have the fraudulent accounts removed and this company still has not removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX account number XXXX, have 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Social Security Number : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject XXXX Dispute of Unauthorized Credit Inquiries** Dear Experian, I am writing to formally dispute certain inquiries that appear on my credit report, which I believe were made without my authorization. According to the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to access my credit report. I do not recall giving permission to the following lenders to make inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 respectfully request that you provide documentation or a contract showing that I authorized these companies to access my credit report. If no such documentation exists, I ask that these inquiries be removed from my credit report promptly. 

Please investigate this matter and take the necessary actions in accordance with the FCRA. I appreciate your prompt attention to this urgent matter and look forward to your response. 

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

This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to freeze our credit reports to prevent identity theft. The process was simple to complete online at XXXX and XXXX. Experian does not allow either of us to complete the process online, requiring us to mail copies of government id, utility bill, and other personal information. We are concerned that we will have to go through a similarly onerous process if we choose to unfreeze our account and believe these requirements are designed to discourage us from taking these steps.
Product: Vehicle loan or lease

XXXX XXXX XXXX was a total loss in XX/XX/XXXX. XXXX paid their insurance balance of the car which left it to Gap to pay remaining of the balance. Gap of of today XX/XX/XXXX just processed their payment for the remaining of the balance owed to the Auto financial company. A late payment was added onto my credit that was incorrect and shouldnt have been added since they were informed on receiving the remaining payment of the car. Gap just made the payment and will be sending out a letter stating that sometime this week stated from the account manager who is working my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1.

I have made several attempts to have an issue that violates a federal statue removed from my credit report with Experian, the debt collector and the establishment. 
Prior to moving from XXXX to XXXX XXXX I had t file an XXXX XXXX XXXX  against a XXXX XXXX XXXX XXXX who also had my XXXX XXXX XXXX daughter ( at that time ), also file charges. I was honest with management and chose the complex because it was gated, amongst many reasons. 
I signed a 6 month term due to the nature of my fear and unsettled state. 
One of the managers told this person, when he called, I did in fact reside there giving him the opportunity to find me. He did. I filed a complaint with the police as was my instruction from the Court. 

I have attempted to have this removed from my credit report as it is a violation of my constitutional and federal rights according to statue 13-3601.

A. A tenant may terminate a rental agreement pursuant to this section if the tenant provides to the landlord written notice pursuant to this section that the tenant is the victim of XXXX XXXX  as defined in section
13-3601 or was the victim.

I had to move after having an XXXX XXXX XXXX violated as a manager of this apartment told the person I filed against I was living there. He was able to find my new phone number and started communicating with me again.

I followed all of the correct measures and I filed a new violation report with the police, in the city before I exited the property. When I left it was spotless, despite a one week disturbuance of my peace I had with an property flooring issue that required my leaving because of fumes.

In addition I have submitted all of the necessary paperwork including embarrassing personal information to the credit bureau 3 times. Each time all of the participants in this complaint restart this clock as if this was XXXX in a bullying attempt to force to pay for months I neither was contracted to pay nor required by this statue. 

# 2 I have not had anything change credit score wise, over 3 years although they have corrected some information, Experian changed incorrect information but has yet to raise my score but XXXX points in 3 years while all other credit bureaus have raised my score at least XXXX points. 

These issues that should have been resolved from XXXX have resulted in my being turned down from other apartment rental approvals ; Employment opportunities and even Non-Profit Volunteer opportunities. 

This needs to be resolved once and for all. I currently hold a XXXX XXXX XXXX with Experian, A XXXX with XXXX XXXX and a XXXX with XXXX .... Experian has not moved but XXXX points in 4 years. This is not reasonable nor acceptable. 

This issue violates my protected rights as a XXXX XXXX victim and re-victimizes me b y doing exactly what this person was trying to do in the first place back in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 transctions was unfeasible. The CFPB finding 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 unacceptableand raises serious concerns about consumer safety.
Product: Credit reporting

i have many inquiries on my credit file that i did not authorize. on my transunion report there are reportings from XXXX CARDXXXX XXXX card- XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX XXXX Auto - XXXX/XXXX/XXXX i contacted XXXX Card and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint