23daVinci/CFPB_Complaints huggingface dataset:
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and me reporting discrepancies, my financial institution ( chase / discover ) and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and tracking these last funds would also be impossible. The CFPBs finding indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit this system, leaving users vulnerable to scams and other illicit tactics. This lack of protection raises problems for me and many consumers.
Product: Student loan

On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.
Product: Credit reporting or other personal consumer reports

This public record information has been causing me great stress due to its inaccurate reporting on my file. Please check the documents I've sent regarding this.
Product: Mortgage

my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted TOYOTA MOTOR FINANCIAL CREDIT to pay an installment and make a 2-month extension, the girl would do it, so I was calm. After a few days passed, I went to get the car to go to work and it was no longer there so I called XXXX and they told me to call Loan so I found out who took my car. I contacted TOYOTA MOTOR FINANCIAL CREDIT to get the address where the silver XXXX XXXX XXXX  car with license plate XXXX was so I could get my belongings and they gave me a phone number but they didn't give me the address and saying that I have to pay 2 installments and the tow truck but if I called to do the extension I don't have to pay the tow truck because it wasn't my mistake and the frame of this car has problems and they never fixed it.in 3 weeks ago start this. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter
Product: Checking or savings account

My wife and I responded to advertisements from POPULAR DIRECT to open a CD at 5.5 % APY. We completed the application and, on XXXX  Popular Direct took {$30000.00} from our checking account at another bank. We received confirmation of our CD from Popular, including the account number. When I tried to go online to check my CD, I was locked out. I then received a cryptic letter from Popular Direct telling me they were invoking their right to terminate the account. We phoned and were told that the account was closed but they could give us no reason. Supervisors could not give us a reason, either. Popular Direct promised that they would have someone phone us who could give us a reason, but no one ever called. 

When asked WHEN they would send us our money back, they told us they would get to it at the end of next week, sometime around XX/XX/XXXX. This is an outrageous delay. Popular Direct has our money and, if they do send it back on XX/XX/XXXX, they will have had our {$30000.00} for more than two weeks. In the meantime, we will not have received any interest nor can we set up a CD with another bank. Popular Direct, on the other hand, will have been able to use our funds for their purpose. 

( Now I would like to add that when I went on line to see if anyone else had posted a complaint about Popular Direct, I found that a customer posted an identical complaint about Popular Direct in XXXX of this year. Sounds like a pattern! )
Product: Checking or savings account

I have been a victim of identity theft and have not been able to obtain a bank account due to early warning services inaccurate reports. 

This is a re-dispute case ID # XXXX with a reference # XXXX. 

XXXX XXXX  XXXX has confirmed that the account belongs to me but I was not disputing ownership of the account. My dispute is that my card was stolen and fraudulent activity occurred during my card being stolen! Early warning is reporting that fraudulent activity was associated with my account when I was the victim of fraud. On XX/XX/2021 a mobile deposit was mad that was not from my phone so that IP address needs to be investigated along with any withdrawals that were made after the deposit. Video or camera footage if any would be great if money was withdrawn from an ATM along with the phone numbers the electronic funds were sent from! 

During my disputed process I received a call from XXXX XXXX with the resolution specialist department and returned her call immediately with no answer, I left her a voicemail and sent several emails with no response. I called XXXX back at least 15 times within a 2 week span but never was able to reach or even speak with her. 
I then was able to reach another agent by the name of XXXX XXXX and sent in my documentation but EWS claim was closed before my response even was reviewed. I Requested atm video of withdrawls made after XX/XX/2021 and phone number or IP address from deposit made on XX/XX/2021 from XXXX as well. Also my license number reported on EWS is incorrect, my Ga license is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, Experian and XXXX about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.
Product: Credit card or prepaid card

On XX/XX/18 I called XXXX customer service number & asked if I had a payment due for XX/XX/XXXX since I never received a bill. I input my account number. 3 reps pulled my account info but refused to give me the information unless I gave them my social security number and date of birth. I was willing to provide my full name and full account number. The refused to provide me any information regarding my bill. My ssn number was not given to me so a XXXX rep could use to identify me. It was given to me for government benefits, nothing more. The manager XXXX agent # XXXX refused her last name yet wants my ssn.
Product: Credit card

Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts. Social Security Card bearing stolen identity theft accounts is attached to uploaded files. COMPANIES ARE PRESENTLY KNOWINGLY AND WILLINGLY IN VIOLATION OF THE ABOVE FEDERAL REGULATIONS & CODES AND CONTINUE TO DEROGATE XXXX  's personal individual rights and privacies.
Product: Student loan

In XXXX of XXXX I reivewed my credit report and noticed I had two accounts open with XXXX, which is a Federal Student Aid Creditor. I contacted XXXX regarding these, as I have never requested an form of student loans and was advised to fill out a " False Certification Discharge Application '' from the XXXX  website. Upon submitting, I received a confirmation email from their customer service team listing out the documents I had sent, and was advised there is a 60-90 business day review period for these cases. This 'fraud packet ' required me to provide proof that these loans were fraudulent, including a photocopy of my Drivers License. Throughout the 60-90 business day waiting period, I contacted XXXX multiple times to check on my fraud packet, and was advise it was still being reviewed. On XXXX XXXX I contacted EdFinancial and was advised by a customer services representative that I was just short of the 90 business days, and that he would escalate this and I would hear back in 2-5 buisness days. I never received a call back. On XX/XX/XXXX I contacted XXXX once again and was told by a customer service representative that I did not submit the documents and that there was no record of them reviewing the fraud packet. I was offered a 6 month forbearance regarding these fraudulent loans, which I was never told about prior to XX/XX/XXXX, so I have had a negative credit impact due to this. I requested to speak with a supervisor, and this lady was extremely rude and advised I would need to resubmit the packet. I asked if there was an escalation path for this since I had been told misinformation for multiple months. She advised that because the fault was not of XXXX that they would not escalate this issue. Today on XX/XX/XXXX, I am starting this process over again, with little to no faith that this company can handle the documents they lost initially. I have had negative impacts to my credit score due to this issue, and will be subject to another XXXX business day review period for this fraud packet when I did not open these loans. 

I have contacted the college which the loans were funded to and provided them with the same documents and they said they filed an identity theft report with the state of Oregon. 

Please take note that I have never once received any sort of communication regarding delinquent student loans PRIOR to providing my information to XXXX. The information they had on file was either the fraudsters or fake information. After providing them with my phone number, I received a text message from a 3rd party creditor offering a loan to pay off my delinquent student loans. This leads me to believe that my information was given out via XXXX and mishandled. 

Please help me. Please help others who are victims of fraudulent student loans dealing with XXXX. Thank you.
Product: Checking or savings account

On XX/XX/2021, I received a debit card ( XXXX  ) from Chime in the mail. It has my name written on the back of the card and was sent to my name and address, but I did not open account and have never opened an account with Chime. Accordingly, on the same day, I called the customer service number listed on the card ( after verifying the phone number online ). I was directed twice by customer service ( once via automated service and another time by a live agent ) to email the company to 1 ) let them know about the incident ; 2 ) ask that the account be closed ( or at least locked until the matter is resolved ) ; and 3 ) a fraud investigation be opened. I did so, and received a response both times to email Chime from the email address associated with the account or send a copy of my driver 's license AND SSN ( last 4 digits ) via email for further resolution. I do not have an email address associated with the account because I did not open it, and I do not believe it is safe to send more personal information ( DL and SSN ) when I am calling about fraud/identity theft in the first place. After a third call, I was told I would be contacted about the matter within 24 hours for further resolution. I have yet to hear from them and have no confidence that the account will be closed and a fraud investigation opened.
Product: Credit reporting or other personal consumer reports

There was many inquiries on my credit report and without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have filed at least two complaints. I was receiving third party deposits in two of my accounts, this was going on since XX/XX/XXXX and before the deposits even ranged in we called to see was it okay. I then received a 888 hold on my account XX/XX/XXXX and once I called the bank they then sent me to risk closure where they told me that I had to add both the third parties to the account, I added one and when I was getting ready to the other account holder they said it was to Late and there was nothing I can do. I was also told no deposits would not be added into the account but they did accept my taxes as well as another huge deposit! I have been getting mislead information from the start now they called me saying the other party who couldnt be added can send in documents which he did! Ive done all they asked!
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.
Product: Checking or savings account

I have asked Bank of America to close my savings account. This request was refused. As a result, I am being charge monthly fees. 

I have, at the same time, requested Bank of America to update my name on all of my accounts. This request was refused. 

I found this situation unacceptable. 

I went to a branch with all the necessary documentation. 

The branch is Bank of America, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute with XXXX  and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for signed authorization for them to report this information and I have not received a response to my request. I did not and do not give LexisNexis authorization or consent to report any of my information or hold any of my information in any of their databases.
Product: Debt collection

They are reporting this debt to the credit bureaus, yet the paperwork they provided ( attached ) clearly shows this is over 7 years old. This is a false representation to the credit bureaus. The statute of limitations has expired. It can not be legally reported to the credit bureaus.
Product: Credit card or prepaid card

Chase emailed and sent physical XXXX XXXX chase account to my address, stating it was opened up on XX/XX/2019. I immediately called and stated I did not open this account and they freezed/locked the account immediately. They are looking into who did open the account but have not contacted me any further. My credit report shows no other fraudulent activity.
Product: Checking or savings account

claim number XXXX which included two transactions from XXXX for {$1800.00} and {$1500.00} The merchant XXXX has said that the amount for {$1800.00} and {$1500.00} was credited back to me through my bank. The merchant XXXX  stated that they are unable to credit me additionally outside of the chargeback because chase is in the process of issuing the funds back to me. Chase bank has NOT credited both amounts back to me. Chase Also reversed amounts {$320.00} and {$59.00} in the dispute vs XXXX and it shouldnt have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid oof my XXXX credit card and closed the account. The company refuses to close my account. My credit reports I owe them XXXX as shown on my credit report.
Product: Debt collection

XXXX I ASKED THAT THE CALLS CEASE BECAUSE IT WAS IN VIOLATION OF RIGHTS, I ALSO ASKED THAT PROOF OF CONTRACT AND OR VALIDATION OF DEBT TO BE SENT OUT TO ME AND I HAVE CALLED THEM AS WELL FOR YHE INFORMATION ITS BEEN OVER XX/XX/60 DAYS NO REPONSE BUT CALLS MADE OUT TO ME.
Product: Student loan

I have a federal student loan with MOHELA. The federal government has put out guidance on income driven repayment plans and how if you recertified since payments restarted and your monthly payment went up that your payments will be reversed and lowered back down. MOHELA refuses to recognize this and has incompetent agents who do not have the proper training or guidance. Even the supervisors are incompetent. They emailed me in XXXX of XXXX saying if I did not recertify my payment would go back to the standard payment. Now they will not adhere to federal guidance and lower my payment back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX in XXXX Kentucky. I applied to become a XXXX to earn extra money. I was denied due to a credit check from Checkr. I would like the information from this report to find out why I was denied. 

My life depends on my background check. If I have bad information on one I need to know so I can clear it up. I have done nothing wrong. I have never been in jail or have any criminal records.
Product: Debt collection

I don't own XXXX XXXX  and I don't own Spring Oak credit anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!
Product: Debt collection

This just appeared on my credit today. I never received a written notification of the debt to dispute. The company is collecting a debt I do not have a balance for with XXXX XXXX as they have confirmed this. Also this company is re-aging to make it seem current this was from XXXX. 
For a XXXX visit and XXXX XXXX said insurance paid my bill I do not have a balance due for XXXX XXXX XXXX. Also this is the second time a fraud company has tried to collect this same XXXX balance debt. I contacted a lawyer and they said this company is a scam and to report them to the fbi.
Product: Credit reporting, credit repair services, 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 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 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX