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 disputes, particularly in light of the 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 transactions was unfeasible. 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 scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX, I sent the money from my XXXXXXXX XXXX  account to my XXXXXXXX XXXX account by using Wise, but the account numbers lacked last two digits, the money was transferred to someone elses account. I informed Wise and my XXXX XXXX, XXXX XXXX XXXX immediately. According to XXXX XXXX XXXXXXXX, they are unable to submit a claim of recall or dispute unless Wise or their partner bank initiates the request to XXXX XXXX XXXX. However, Wise answered just Now we are confirming so please waitor We have requested to recall for our partner bank however they dont respond yet.

It's been four months since the problem occurred, but the funds still haven't come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify theft and fraud through XXXX XXXX  on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, XXXX, and transunion. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * Transunion- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.
Product: Student loan

On or about XX/XX/XXXX I filed Chapter XXXX protection listing my student loans on all paperwork. In XX/XX/XXXX the case was discharged.
I have since sent the information to several servicers who purchased the loans from XXXX XXXX. To date these are claiming that they are aware of the said Chapter XXXX despite them having full access to public records and my submitted the documentation
Product: Student loan

An umbrella consolidation was done and delayed an additional 60 days to accomdatie NAVIENTS student loans. Eventually based on the information received a check was issued. A review showed the a pay-off check was received an cashed by Navients. However, Navients denied receiving payment and has instead conjured up additional laons from their hidden closet. When will it all end and how far will they go? Please help me to be rid of the fraudulant, underhanded company. 
XXXX
Product: Bank account or service

On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. 

My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. 

upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. 

Also there are several inaccuracies on my report and the agent could not assist me with this either.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

EXPERIAN continues to sell my information to fraudulent debt collectors as EXPERIAN creates bonds in the name XXXX XXXX and capitalize off the name. Ive sent several legal documentations and affidavits to EXPERIAN on instructions and information about my name, updated address and laws citied on the documentation. EXPERIAN is exploiting and selling my information with out consent. They sending notices to send them documentation of my name and address. They refuse to follow the Fair act, consumer laws and USC. EXPERIAN is the true criminal enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

Experian did not delete the inquiries requested in my previous investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax, XXXX, and XXXX  continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with XXXX XXXX, XXXX, account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved.

Amount Paid : {$760.00} Date Resolved : XXXX
Product: Credit card or prepaid card

i got a letter in the mail from discover, and XXXX offering me a balance transfer as far back as XX/XX/XXXX from discover and thay made this offer up till XX/XX/XXXX and XXXX  sent me balance transfer offers from XX/XX/XXXX to XX/XX/XXXX and now thay wont offer any balance trans fers at all i just got my balance pay, d off with discover on XX/XX/XXXX and i wanted to see if i could use a balance transfer and now all the banks are not doing balance transfers i was going to ask if you can make the banks make the balance transfer offer longer becuse by the time i got my balance pay, d off then the offer was gone and thay tell me when i called discover that thay dont know when i will get another balance transfer offer can you ask them to make the offers last atlest 6 to 12 months any thing better then 2 months witch thay gave me
Product: Mortgage

Due to computer issues I was not able to access Shellpoint 's response to complaint XXXX but this is a complaint to it. It's been 3 weeks since XXXX in escalations told XXXX from HUD and me Shellpoint would give 30 days to hold foreclosure and send a breakdown of the $ XXXX they say is owed - nothing has been received. XXXX also stated they would send me the {$52000.00} they receive from XXXX XXXX XXXX- they have not. Shellpoint says XXXX - XXXX is missing but they already stated they received XXXX - XXXX, XXXX, XXXX, backup has been sent. Shellpoint mentioned XXXX - XXXX was missing but backup copies of cancelled checks and bank statements were sent that they are ignoring. This proof of payments should lower the $ XXXX Shellpoint says is owed.
Product: Mortgage

This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.
Product: Credit reporting

I am filing this complaint because XXXX Experian, XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have fone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks
Product: Credit card

have yet to receive any communication from them, and he was unable to provide clarity on why my card continues to be declined. I have made numerous attempts to contact Barclays via phone and email over the past week, but the issue remains unresolved. I respectfully request a prompt and thorough investigation into this matter, as it has caused significant inconvenience. If the Executive Office is indeed reviewing my case, I would appreciate an update on the status and a clear explanation of the reasons behind the ongoing issues with my account. CARD is declining all purchase attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX XXXX XXXX  back on XX/XX/2021, they set me up to pay an up-front fee of {$140.00} on XX/XX/2021, and to pay {$99.00} a month after that. At that time, I was not aware that A Credit Repair Organization was not supposed to charge an up-front fee for Credit Repair Services. After two months went by without seeing any results, I canceled their services. It is apparent that XXXX  did not perform any of the duties they were supposed to perform, because I never received a letter from any of the Credit Bureaus based on the disputes that should have been conducted. 
The only work I received that was done by XXXX was my Credit Report being pulled by them. My XXXX  sent disputes letters to the Credit Bureaus on my behalf, and I saw results within the first month and that showed me that XXXX did absolutely nothing but rip me off! I paid a total of {$240.00}, and I would like a full refund back! The Documents are attached to this complaint. 

According to Federal Law, no credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.
Product: Consumer Loan

I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX. 

I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX. 

The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.
Product: Credit reporting or other personal consumer reports

Reviewing my Consumer Reports, I discovered some instances of late payments on an account of mine which Ive always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have made all my payments on time on the account : ( XXXX XXXX ), ( XXXX ). I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without any delays.
Product: Credit card or prepaid card

I REQUESTED FORM BARCLAYS TO FREEZ MY ACCOUNT ( CREDIT CARD # XXXX ) SINCE THERE IS MONTHLY CHARGES BY SERVICE COMPANY KEEP BEING POSTED FOR NO REASON FOR THE AMOUNT OF XXXX XXXX BARCLAYS CONFIRMED THAT THE CREDIT CARD FREEZED AND NO ONE CAN WITHDRAW ANY MONEY. AS WELL AS IT START THE INVESTIGATION TO DISPUTE THE TRANSACTION IN XXXX. I WAS SURPRISED THAT ON XX/XX/XXXX SAME SERVICE COMPANY POSTED SAME CHARGES. SO WHAT IS THE POINT OF FREEZING THE ACCOUNT IF ANYONE CAN WITHDRAW THE ANOUNT HE WANTS. I BELIEVE THAT 1- BARCLAYS PROVIDED ME WITH INACCURATE INFORMATION ABOUT FREEZING THE ACCOUNT 2- BARCLAYS FAILED TO PROTECT MY ACCOUNT, 3XXXX I HOLD IT ACCOUNTABLE FOR TRANSACTION OF XXXX $ ON XX/XX/XXXX. I BELIEVE THAT I SHOULD GET PERMANENT CREDIT OD XXXX $ FOR XXXX CHARGE I AM VERY FRUSTRATED WITH BARCLAYS AND I HAD T OCLOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening. 
I need to move from home and I need my credit to be available as soon as possible, thank you. 

P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have 4 Hard Inquiry On My Credit Report & None Of These Banks Are Mines. 3 Capital Ones, 1 XXXX XXXX XXXX. First One Is Capital One Its Been Posted On XXXX XXXX XXXX Second One XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXXt.

I Would Like To Put A Lock On My Credit If Its Possibly
Product: Credit reporting or other personal consumer reports

n 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 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 by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to sell an item on XXXX marketplace and was approached my a scammer posing as a potential buyer. They told me that I had to set up a XXXX  business account for them to be able to transfer money for the item and sent a email that looks like it comes from XXXX. When I sent money to the account they told me to use to set up the business account, I did not get anything in return. Quickly realizing it was a scam I contacted Bank of America immediately and lodged a claim. I waited for BOAs review but the told me they were unable to recover the funds and unable to refund the money because it was XXXX. I made the transaction through the BoA app and I thought it was covered from fraud protection like other transactions because it is part of the same app and clearly branded on the front page. I was misled into thinking zelle was owned or is a part of BoA or at the very least should be covered from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello please for your help i have rquested XXXX to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on XXXX due to my girl freind can access it but i cant tested on several computers. 

Please inform XXXX who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX