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

I am writing to specifically express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my Zelle account failed to be vulnerable to scams. The CFPB 's findings indicate that Zelle has neglected to protect consumers. This lack of accountability is unacceptable and raises serious concerns.
Product: Debt collection

After filing a complaint with the consumer protection division, Citibank has decided to add a disputed hit to my credit profile with their account that is paid off as agreed. I did not dispute this account rather the way my account was closed against the fcra was disputed and has resulted in retaliation by Citibank
Product: Money transfer, virtual currency, or money service

XX/XX/2019, I lost my money order at Walmart  supercenter XXXX was informed by Walmart  that MoneyGram did not allow cancel and replace of money order.i called MoneyGram, therefore, MoneyGram stated replacement of money order was not allowed, by businesses.businesses are required to cancel and replace money order that are lost and stolen, which I later found out.moneygram replacement request case number :XXXX.amount $ XXXX.replacement amount would be {$360.00}, for delivery state of Georgia, because processing fee - {$18.00} and delivery fee- $ XXXX-both-removed from XXXX money order replacement.moneyorder was later found and returned.i cancelled replacement money order-tracking number-XXXX.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher if that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTIONS 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

Dear Transunion, I am reaching out to request the removal of a collection account that is unlawfully requesting debt from me in a state that it is not licensed to collect debt in ; according to the XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX is the account unlawfully attempting to collect debt as a third-party agency. 
Along with this unlawful act, the agency is required to report accurate information at all times. I requested verification of this debt and this third-party agency ( XXXX XXXX XXXX sent back a document with an address that is wrong and not the address listed on both my state ID and license. 
*PROOF OF THIS WILL BE ATTACHED* The current creditor of this debt happens to be a company called XXXX XXXX XXXX XXXX in which XXXX XXXX acts as a smaller branch under this umbrella company. But this collection agency ( XXXX XXXX XXXX XXXX ) is also illegally operating in the state of Pennsylvania as it does not have the proper license to collect debt in my state of residency ; according to the XXXX XXXX XXXX XXXX 
I ask that this agency look into this violation and handle it with care. I ask that you remove this collection account due to multiple unauthorized activity performed on their behalf. 

Also, I have disputed XXXX XXXX XXXX collection account # XXXX multiple times with your agency due to inaccurate information, but this account still hasnt been updated or removed. The last reported dates are inaccurate, date last active is different on all three credit bureaus, date of last payment is different on all three credit bureaus. Your agency has also failed to uphold the FCRA LAWS by breaking law FCRA 623 ( A ) ( 3 ) : The credit bureau must report previously disputed or consumer disputes in the comment section of an account that was disputed within 30 days of the dispute. 

This collection is not being reported on XXXX and XXXX, why is Transunion reporting this account? 

ATTACHED IS A XXXX XXXX XXXX XXXX, ATTACHED IS A CFPB REPORT, ATTACHED IS MY DRIVERS LICENSE, STATE ISSUED ID AND SOCIAL SECURITY CARD FOR IDENTIFICATION PURPOSES.
Product: Checking or savings account

I am writing to formally lodge a complaint against SoFi Bank regarding their handling of my account. My account has been restricted since XX/XX/year>, and despite my repeated efforts to resolve this matter, it remains locked as of today, XX/XX/XXXX, XXXX period exceeding 14 days. 

I have funds in the account that I am unable to access, which has caused significant financial hardship. I need these funds to pay my rent, and without timely access, I face the risk of eviction. If I am evicted as a result of this situation, I will seek damages for the financial and emotional impact caused by SoFi Bank 's negligence. 

I have contacted SoFi Bank 's customer helpline on XXXX separate occasions, only to be met with unhelpful responses. The representatives consistently read from a script and fail to provide any meaningful information or updates regarding my account. This lack of transparency and actionable support is unacceptable. 

The prolonged restriction of my account, coupled with the bank 's ineffective communication, has caused undue stress and inconvenience. I request CFPB 's assistance in investigating this matter and compelling SoFi Bank to : Provide a clear explanation for the account restriction. 

Offer a timeline for resolving the issue and unlocking my account. 

Compensate me for the hardship caused, including any damages resulting from a potential eviction. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my complaint. 

Sincerely,
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from a medical center but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. I am aware that HIPPA does allow for limited information is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPPA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX responded to a previous complaint submitted through here, and indicated they would send the credit reporting agencies a letter informing them to remove ALL tradelines associated to my name after a court decision. It has been 60 days and the credit agencies have stated that 1 ) they never received such a letter.

2 ) The confirmed the debt very recently 3 ) They denied a copy of the letter I provided as being real. 

A recorded conversation with a XXXX employee in legal in XX/XX/year>, they informed me that XXXX was overruling the court order and letter, and would continue debt collection ( illegally ). 

I demand that this debt profile be removed immediately by XXXX contacting every and all credit reporting agencies directly.
Product: Money transfer, virtual currency, or money service

Bank transfer payment : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1600.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Amount : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/23 @ XXXX XXXX XXXX : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 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 an account without 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 any purpose.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received a check from my lawyer as part of a refinance of my mortgage in the amount of {$14000.00} to pay off my loan Acct : XXXX. I went to the local branch to submit the check. I was informed I could not submit the check to Citizens bank because XXXX was handling the loan. I then sent the check via Post overnight. XXXX received the check on XX/XX/2020 at XXXX XXXX. I contacted XXXX on XX/XX/XXXX to verify the check posted and since the check was in an amount greater than the loan pay-off to request the difference be refunded. I was told verbally and in an email, today XXXX XX/XX/2020 ] that the loan will " officially be paid off on XX/XX/2020. Further, the overpayment of {$960.00} will be mailed in 2 to 4 weeks. This is totally unacceptable. Plus at the time of making the loan with Citizens we were not informed of it being in XXXX ' control nor were we told of this holding of the overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to run my credit.
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. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX, # XXXX XXXX ( TransUnion ) XXXX. Account name : XXXX XXXX XXXX # XXXX, ( XXXX, XXXX ) XXXX name : XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX, # XXXX, ( TransUnion XXXX XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX, # XXXX, ( TransUnion ) XXXX. Account name : XXXX XXXX I, # XXXX, ( XXXX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

2. 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.
Product: Money transfer, virtual currency, or money service

Ally Bank changed the limits for transferring money via XXXX without notification. The new {$500.00} limit is unreasonably low for an account in good standing, and no advance notice was provided. This last-minute change is preventing my from paying my rent on time -- with potentially severe consequences of fees/penalties, inability to renew/extend my lease, or in a worst case eviction for missing the payment. 

For multiple years, I have leveraged Ally Bank 's XXXX money transfer functionality to pay my rent. I have kept the same dollar amount of {$1400.00} on the same day of the month with no complaints or issues. 

However, today I received an automated email from Ally " We canceled your payment to [ name removed ] because : You have exceeded the acceptable number of payments or amount of money that could be sent within a certain time period. '' This was the one and only record of this change I could find. If I had received advance notice I would still have been inconvenienced, but could have at lease made other arrangements. 

In fact, three days prior to this cancellation I received an email from Ally " RemindeXXXX : Your next payment to [ name removed ] will be processed in 3 days '' with the full details including the dollar amount. 

I called an Ally representative and they were unable to provide information as the reason for this change, or sufficient alternate options such as the ability to my account to be approved for higher limits.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a dispute letter to TransUnion regarding fraudulent charges on a XXXX XXXX account, which were attributed to me due to identity theft. The account in question had unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. TransUnion acknowledged the fraud and DELETED the account from my credit file on XX/XX/. 

However, as of XX/XX/, I discovered that TransUnion had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the CFPB. The continual mishandling of my credit file by TransUnion in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Consumer number XXXX and XXXX Case Number XXXX and XXXX Several months ago, I contacted LexisNexis Consumer center asking them to provide me a physical copy of my consumer report. Lexis Nexis provided me the information needed to access my report online. I do not have frequent access to a computer. I explained that in a previous letter to them. In XX/XX/2021, I received a letter from Lexis Nexis asking for copies of my Drivers license, social security card, and a utility bill. I provided said information. On today XX/XX/2021, I received a letter like THE PREVIOUS LETTER OF HOW TO ACCESS MY CONSUMER INFORMATION. As I stated before, I do not have frequent access to a computer ; my nearest XXXX or such store is over 15 miles from my house. I am not sure why Lexis Nexis is refusing to provide me a copy of my consumer information in the US mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, Capital One, XXXX XXXX, XXXX, Kohl 's Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between TransUnion, XXXX, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am requesting for the full removal of inquiries attached on my account. I did not initiated any of those inquiries on my account.