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

I am writing to formally express my concerns regarding Zelle 's handling of discrepancies on its platform. Specifically, Zelle fails to provide adequate support in investigating claims, tracking lost funds, and recovering money for its users.

I recently experienced a situation where funds were either lost or misdirected, and despite my repeated attempts to resolve the issue, Zelles customer support proved insufficient. Their investigation process lacks transparency, leaving users in the dark about the status of claims and the steps being taken to resolve them. Furthermore, Zelle appears to place the burden of fund recovery entirely on its users, even in cases of evident errors or potential fraud.

As a widely used payment platform, Zelles inability to effectively track and recover funds not only undermines user trust but also raises concerns about the platform 's commitment to safeguarding consumer rights. I urge the CFPB to investigate these shortcomings and advocate for stronger consumer protections within Zelles operational framework. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was supposed to be send {$1500.00} on Zelle from a friend on XX/XX/year> but I never received anything that following day. We kept in touch from XX/XX/year> to XX/XX/year>XXXX  trying to figure out why the money wasnt in my bank account yet. He kept calling his bank and they kept telling him the money was already in process. But when I called my bank they told me nothing was pending and that it shouldve been got send or even pending. It took 3 days for me to receive the money and both bank accounts never knew what was the reason behind it since it shouldve been send the moment it was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank late charges when account was paid on time that are error & fraud by Comenity Bank because I wasnt late. I have already filed complaint with XXXX & Alabama Consumer Complaint. There are hundreds of other victims per XXXX XXXX XXXX XXXX with same problem I was advised by XXXX 

I made purchase XX/XX/2022 and returned few items I was over charged for 2 items. I was credited with some of the items but its still not correct. I paid account in full of {$48.00} on XX/XX/2022 on phone payment. 

I had {$30.00} late fee pop up on my account which was paid on time. I thought it would resolve and be removed that it was just billing error. Comenity Collection Department keeps adding fees and placed over at XXXX Credit Bureau as late not paid lowering my score from XXXX to XXXX. 

Now Comenity Bank has harassing calls daily 24/7 and text. I have erased most of their calls but saved a few of recent harassment. 

I could pay the fee but I dont owe fee. Im seeking lawsuit and penalties fir Comenity Bank for fraudulent transactions that others at XXXX XXXX XXXX has noted as a consumer problem.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with " The Fair Credit Reporting Act XXXX  '', Americredit Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX Balance : {$6500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX Balance : {$2300.00} - I never missed a payment. Please update it immediately. 

XXXX XXXX Balance : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 usc 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 usc 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public personal information. " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not my written consent. I would like all of the collection accounts in my name removed from said agencies
Product: Debt collection

Repeated calls in excess from Care Credit trying to collect on a debt that I am already making payments monthly. Next payment is due XX/XX/2019. Calls have been received on XX/XX/2019 at XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX  ; XXXX XXXX. XX/XX/2019 at XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX. 

Additionally, they are calling my friends family members numerous times per day every day. 

Calls will not stop even though I have told them to cease and desist. Additionally, they are calling my work every day within a minute of all the call dates and times listed above after they have been told not to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account withouth my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX position was marked with a discrepancy found in XXXX XXXX. I am currently employed with XXXX working as a XXXX XXXX XXXX  XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX refers to all employees as XXXX XXXX. The terms are used interchangeably. HireRight verified I am currently employed with the company but downplayed my job title. Job duties of my current position includes XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My offer letter received from XXXX states I am working with XXXX with shows that I am a XXXX XXXX There should not be a discrepancy on my report as I reported ACCURATE information. IF this cause me to lose my current job offer, I will be filing a Lawsuit against HireRight. Also I submitted a check stub to HireRight to verify some information and HireRight has not responded and updated my reported. They have marked the error as CLOSED without reviewing the Check Stub PROOF I submitted. HireRight is creating FALSE DISCREPANCY on my background check which may cause me to lose my current job offer.
Product: Student loan

In 2001 I applied for a private loan with Key bank alternative loan to help me mitigate the cost of flight training. While I was told I needed a consigner, which I provided for the first initial loan of {$10000.00}, I was never asked for the consigner for the following loans. 
My consigner only agrees to sign for the first loan, not for the other. So, in the end, my consigner was attached to all my loans. I attempted to fight this when I found out, but surprised, Key Bank had closed the program and sold the business to XXXX XXXX, which in return had sold it to XXXX and so forth. 
I had been paying my loan on time for years, and I am positive that I had already paid my loan, but somehow I am still owning a lot of money. Every time there is a fee, the loans get sold to another company. Every time I am trying to get information. The replay is that the company is collecting money, and I need to contact Key Bank ; when I do that, they told me that the program doesn't exist.

I do not expect a freebie, but I am tired of being treated like garbage. Nobody answered why they lied to me about how they use the cosigner. 
I want to pay my dues and get it done, but they add more fees to my loans each time. 
I am tired and desperate and can not move forward with my life. Even though this is a private loan, it is a personal STUDENT loan. This was catered towards students. 
I do not know where to reach out. Please let me know what I can do? 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in 2019 it was discharged in 2019, XXXX XXXX  was the issuer of a XXXX XXXX XXXX  I included. They were notified all was fine. A week ago check my credit report and see they flagged the old card ( numbers math ) as They I filed bankruptcy this XXXX XXXX and I did not. I will be filling against Experian because I called court and was told XXXX should have had to provide a case number before this hit my report. I have hard to rebuild credit and it has dropped my score XXXX points. I called XXXX they gave me a fax number it did not work invalid called again got fax number and address fax number again don't work address is no where close to to where this bank is at. 
I have include all documents I can
Product: Mortgage

My wife work position was eliminated due to covid XX/XX/XXXX. We requested and were granted mortgage forbearance under VA disaster relief fund. My wife was re-employed XX/XX/XXXX. We notified ServiceMac that we could continue our mortgage payments. 

XX/XX/XXXX we were notified by ServiceMac that they wanted to work with us to modify our mortgage and help make payments more affordable. XX/XX/XXXX we accepted their offer. A requirement of their offer was that we make three ( 3 ) trial payments over the following 90 days, that requirement was met. 

XX/XX/XXXX we submitted notarized application for loan modification while continuing to make first of month payments over the phone. We were told at that time it should take about 30-45 days to complete this process and would remove forbearance. 

XX/XX/XXXX we were informed that our paperwork was misplaced internally. On XX/XX/XXXX we received notice of Fully Executed Loan Modification Agreement. 

As of this writing, XX/XX/XXXX, our Fully Executed Loan Modification is not recorded. Our account at ServiceMac still indicates " Loan in Forbearance '' When we applied to refinance we were told that our account is still in Forbearance " no update of status ''. We continue to make phone payments at the first of each month per instruction. After repeated inquiries we have been given no information as to expected time for recording of our Loan Modification Agreement. 

This process has gone on for over a year now I can not express the amount of frustration and anxiety this has caused us. We have been prompt in suppling information or paperwork and met every requirement requested of us and continue to be put on hold with no end in sight. Due to this delay we can not sell or refinance our home and have no ability to secure any type of financial transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and XXXX. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being XXXX  against based on the XXXXXXXX XXXX XXXX XXXX I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.
Product: Credit card or prepaid card

Applied for balance transfer with Navy Federal Credit Union on XX/XX/2023. Promotion page stated I would receive 2.99 % interest with no balance transfer fee for XXXX months. 

NFCU proceeded to not honor promotional terms I agreed to, started charging 10.75 % interest.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Portfolio Recovery in the amount of {$3600.00} That is saying it was opened XX/XX/XXXX that was placed on my report. 
I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

formally dispute a fraudulent loan account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports.

I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. T\
Product: Credit reporting or other personal consumer reports

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


US DEPT ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX