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

I am writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB action that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to
Product: Debt collection

Midland Credit Management is tring to collect a debt all ready XXXX and paid in full to the bearer under XXXX XXXX XXXX UCC XXXX XXXX XXXX, and are XXXX XXXX XXXX XXXX ( XXXX ) - 15 USC 1692g ( a ) - 15 USC 1692c ( C ) - 15 USC 1692b ( 2 ) . violation of 15 USC 1692f ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( a ) ( B ) ( C ) - ( 7 ) ( 8 ). 15 USC cease communication. FDCPA 1692f ( 6 ). 15 USC 1681I ( s ) Violation of Title 31 section 3123, Title 31 section 3130, Title 31 section 3124 Exemption from Taxation. where for all accounts are prepaid under Title 18 section 8. midland Credit Management is trying to extort me of a debt that was paid with cash and XXXX and is paid in full. This is a XXXX, CFPB, FRCA, and FDCPA violations and many not mention.
Product: Credit reporting

I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment
Product: Credit reporting or other personal consumer reports

I submitted a complaint regarding the reporting of XXXX XXXX XXXX of an account with data inaccurate. I requested this account be deleted for inaccurate reporting. I received a letter back from Transunion after pointing out the discrepancies XX/XX/16 that it meets FCRA. I have attached the document which clearly shows an open account which a collections account should not be reporting open and it also is reporting past due which is also a violation. As such I am requesting damages in the amount of XXXX as well as the removal of the account from both my TransUnion account as well as my XXXX credit report.
Product: Debt collection

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX  XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and XXXX of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of XXXX of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 

I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Product: Credit card or prepaid card

Woke up on XXXX Of XXXX to my phone beeping and it was Chime Bank with emails saying my account closed n been Hackedwhen SSI was deposited on XXXX XX/XX/2020, I immediately called customer service and we went through 3 Straight Weeks of calling day and night, 4 to 6 hours with different Technicians Giving Technicians Access Of My Phone Through Quick Support and Team View remote Apps, then was asked to purchase a Gift Card To Receive My Own Money, I Got Tried and Refused Access to my phone for my refund {$380.00}, that was in the account balance before closing, now I can't get help to get my account balance Refund
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered that Trans Union have added creditor XXXX XXXX to my consumer report that I have no credit with on XX/XX/2022. I extended my credit to XXXX. As a federally protected consumer the CFPB 3.1.1 Furnisher Incentives and Disincentives Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been. Trans Union did not notify me that this item would be added to my consumer reporting. This item is already in dispute so no reporting should be reported. As a consumer report you suppose to report accurate information. Trans Union has failed to provide that correct information. XXXX is not the original creditor of this alleged debt.
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. 


Account name : US DEPT ED Account Number:XXXX Account name : U S DEPT OF EDXXXX Account NumberXXXX  Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX  has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I need my XXXX to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on XXXX and unenroll both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please at screenshots of the issue I am facing with XXXX XXXX XXXX enrollment etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to Experian, XXXX and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 Experian responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to Experian 9 days later? It is clear Experian is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.
Product: Checking or savings account

I'm in need of your help with bank dispute. My direct deposit of XXXX from IRS income tax return was deposited in the wrong bank XXXX Bank ( Current Bank ) is there giving me a hard time on returning the money to me or the the sender. I had to do my own investigation to find out where my direct deposit went, I had to locate the person that done my taxes a tried to steal my money. After locating his person I reach out to XXXX  bank told them the situation an the told me that rhey needed to investigate the matter. On XX/XX/year> I got a email from Current Bank stating they located the account my money was deposited into an had taken the steps in freezing that person account so that they could not spend anymore of my money. Current  bank informed me that they closed his account and that they needed the sender XXXX/XXXX  to request the money be returned with a " Hold Harmless Agreement ''. After speaking with XXXX they informed me they don't give out those forms anymore and that I just needed to ask the bank to return the money to them an they would send me a check when they receive the funds returned. So I called Current bank back an explained what i was told by XXXX, I then asked if there was anyway Current bank and I could could come to a mutual agreement of no one was at fault and they return the money to my account that I had with their bank or the sender. But, still I was given the run around an Current bank kept brushing my situation off XXXX they didn't care about returning my money. I have been going back and forth with Current for over a month now still no closure. So, I sent emails to the bank board of directors and thier affiliate bank XXXX Bank pleading the for help with this matter. Still no help or even a phone call from either of them. I've given them several pieces of identification an proof of ownership of deposit. Instead of helping me Current bank closed my personal account I had with them, and then blocked me from being able to email any of board members or banks CEO 's. They never pick up the phone an call to resolve this matter only email or chat, its very frustrating trying to explain an express your emotions about what this doing to me an my family. Because of this drawn out fiasco my family has become homeless, we lost our car, an have been struggling to survive. We arecdats from being on the street with nowhere to live. I explained this to Current bank an its like they don't care. Agian it's been over a month an they still are dragging there feet an not returning the funds. Everytime I call them I have to explain the entire situation over an over again. I never get to speak with a agent it's always they will contact me by email It is very frustrating and has caused me to become financially scared. My family has lost everything we had to Hurricane Milton and really need this to be resolved. I've never seen a bank this cold hearted, I have all the correspondence with Current bank I don't have the extra money to file a civil suit but if I have to I will its like there trying to keep my money without ever returning what is legally mine. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

At approximately XXXX Pacific Time , someone managed to hack into my account and move money from my savings to my checking account and then proceeded to spend {$1500.00} at a XXXX XXXX on Wednesday XXXX, XXXX. I woke up XXXX hours later to XXXX automated text messages from my bank as someone changed the phone number linked to the account and other information. I contacted Chime immediately. The charge was still pending- they updated my account information and noted that they could not do anything unless the charge went through. 
On Friday, XX/XX/XXXX, the charge went through. I contacted chime immediately to dispute the charge. 
It's important to note that I live in Oregon. I made charges only in Oregon. This charge came from New York. I noted this on my call with them. 
I woke up on Saturday the XXXX to an email saying they decided there was no fraud. Which is... insane. At no point have I have been to XXXX in New York. I live in Oregon. They barely got information from me. Why wouldn't they look at the phone number that someone changed in my account? Why wouldn't they look at the address the items were shipped to? I don't even understand how they " solved '' this so quickly.
Product: Mortgage

I pay Wells Fargo approximately {$1500.00} annually for PMI insurance. On or about XX/XX/XXXX I contacted Wells Fargo to get PMI insurance canceled. I felt that my Husband and I had 20 % value in our property to remove PMI. We owned approximately {$260000.00}. XXXX appraised the property at about {$320000.00}. Wells Fargo insisted that we had to use their appraisal company. Their appraisal company came below the value of our home at approximately {$290000.00}. This denied my request for PMI removal and I am still paying as of now. On or about XX/XX/XXXX we contacted Wells Fargo again for PMI removal We stated that the use another CT certified appraisal company instead of their 's would be a more fair and accurate appraisal. They said no. We feel that there is conflict of interest in this because the appraisal company has a financial dealings with and possibility ownership by Wells Fargo. I owe approximately {$250000.00} in my mortgage which gets paid biweekly that means extra mortgage payments each year. I have excellent credit and never have been late in payments. To have my PMI removed my property needs to be about {$320000.00}. XXXX valued my property for around {$340000.00}. I found that Wells Fargo had a lawsuit brought against them. The lawsuit stated that Wells Fargo 's had a unfair practice for PMI removal and their appraisals that was done came below the value of the homes and many still pay for there PMI.
Product: Payday loan

ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

they are furnishing information that is not verifiable or accurate. 15 usc 1681 states about consent from the consumer. i have never gave you consent. Sent few complaints and you telling me verfied through pacer systems .That is a third party who did you talk to do a investigation to see if the information was accrurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID WITH THE COMPANIES! I NEVER DID BUSINESS WITH THESE COMPANIES AND I AM A VICTIM OF IDENTITY FRAUD. YOU ALL ARE VERY DISAPPOINTING AS A COMPANY AND YOU ALL ARE NOT DOING YOUR JOB FORREAL. 

RE : You Violated The United States Federal Code Law 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 instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX XXXX  As a consumer by law this inquiry must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX ( THIS WAS ALREADY REMOVED BY THE 2 OTHER CREDIT BUREAUS YOUR LACK OF INVESTIGATION PROPERLY I THE REASON WHY THIS IS STILL SHOWING ON EXPERIAN! YOU ALL ARE NOT INVESTIGATING RIGHT AND YOU ALL ARE BREAKING THE LAW! ) XXXX 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law this inquiry must be deleted immediately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a title loan for {$3100.00} on XX/XX/XXXX and I started to pay extra on my loan because I was told the more I pay the more the interest would be lowered and I can have a early payoff with out a lot of interest. Well they are putting all ( majority ) of my money toward the interest and not my principal and as of today XX/XX/XXXX I have paid {$4300.00} towards the loan and they're saying my pay off day is in XX/XX/XXXX which will result in me paying a little over {$8300.00}. I was told that they cant adjust my loan and to pay {$1800.00} more at one time for an early pay off
Product: Credit reporting

I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the second Time that I've been a Vitim of identity theft I've made a police report a while back ago now this pops up, with XXXX/ XXXX Account # XXXX for the Amount of XXXX this account is fraud I did not give any consent or did I authorize this account This Account is due to fraud