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

Dear Consumer Financial Protection Bureau ( CFPB ) I am writing to formally lodge a complaint against Zelle and its member financial institutions for inadequate consumer protections, particularly in cases involving unauthorized transactions and fraud. 

I have concerns that Zelle 's current policies and practices fail to sufficiently safeguard consumers from fraudulent activity and unauthorized transactions. This is particularly troubling given the platforms widespread adoption as a peer-to-peer payment service integrated with XXXX XXXX XX/XX/XXXX. Specific concerns include : Lack of Fraud Protection, Zelles dispute resolution process appears to place an undue burden on consumers to prove fraudulent activity, with several cases resulting in denied claims for reimbursement. This contrasts with protections provided for credit card transactions under Regulation E of the Electronic Fund Transfer Act ( EFTA ).

Additionally, Zelles platform provided inadequate security measures leaving consumers vulnerable to scams and unauthorized transfers. Consumers are ofter left without recourse when funds are sent to fraudulent accounts despite reporting the incident promplty with adequate information. The Marketing measures and materials for Zelle imply that their service is safe and secure, however these representations do not accurately reflect the risks consumers face when using the platform, particularly in the context of scams or phishing schemes.

This lack of consumer protection is causing significant financial harm and eroding trust in the U.S. banking system. Many consumers, have lost money through Zelle transactions and have been denied adequate assistance or reimbursement from Zelle or the affiliated financial institutions.

I urge the CFPB to look into this matter by thoroughly investigate Zelle 's compliance with EFTA and Regulation E, particularly regarding unauthorized electronic fund transfers, Mandate enhanced fraud prevention measures and transparent reporting practices to Zelle and its member banks. Require Zelle to implement a more consumer-friendly dispute resolution process and provide refunds for such fraudulent transactions.

Furthermore, ensure Well updates its marketing materials to accurately reflect the risks associated with using the platform, consumers deserve a payment system that prioritizes their safety and offers meaningful resources in cases of fraud or error. Consumers should not bear the burden of Zelle 's lack of accountability and insufficient fraud protections. 

Thank you for your attention to this matter.
Product: Student loan

I am a co-signor on my daughter 's student loans with Navient XXXX XXXX XXXX. We have been paying on her loans, on time for over five years. On XXXX XXXX. XXXX my daughter initiated the paperwork require by Navient to have me released as her co-signor. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX we mailed and faxed all of the necessary documentation to Navient but received NO response from them. On XXXX/XXXX/XXXX I contacted Navient via telephone and was informed that they never received ANY of the documents I had mailed and faxed multiple times. I as then then given ANOTHER fax number, XXXX XXXX XXXX. Again, we faxed and mailed the necessary paperwork on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date we have received NO response, nothing. The monthly bills have ALWAYS been paid on time. When I try to contact them via telephone I am transferred multiple times, left on hold, and often just disconnected. On the rare occasion that I do speak with someone they report that there are NO notes in the system from the MANY prior phone calls. We are need help getting this cleared up, contacting them is pointless.
Product: Debt collection

I have been dealing with this since XXXX. XXXX XXXX XXXX adjusted the amount on my bill because they didnt realize they had my equipment once they took the equipment charge off that was {$160.00} I owed them {$170.00} which I paid and XXXX XXXX  XXXX said they would send the adjusted amount to Prince Parker and everything would show a XXXX balance well at XXXX XXXX  XXXX it shows I owe nothing and my account is closed they have also called Prince Parker told them I dont owe anything but the {$160.00} for Prince Parker is still showing I owe it I have been calling both places for the last month and I am trying to get all of this fixed.
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 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 XXXXXXXX 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

I recently checked my credit report and noticed that these accounts were reporting inaccurately, as they've been charged off. These remarks have been detrimental to my credit health and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This the ground for removal they also violated my rights under 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 agency can not furnish a account without my written instructions 1. XXXX  XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX AZ XXXX ) # XXXX XXXX XXXX XXXX XXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want one thousand per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.
Product: Credit reporting or other personal consumer reports

Recently I decided that I would keep a closer eye on my credit. When I first looked I was freaked out to find that there were some MAJOR errors on my report. My rights and privacy are being violated and it is causing a major riff in my life ; I have been unable to focus at work, because this is dominating my thoughts day in and day out and I need help
Product: Mortgage

XXXX XXXX XXXX XXXX has been unable to afford the house payment and has decided to attempt the foreclosure alternative of short sale. Her attorney 's office contacted the lender to verify if we could attempt a modification or short sale review. On XXXX/XXXX/2015, the authorized XXXX party was advised by a representative at NationStar named XXXX, that the foreclosure sale is set for XXXX/XXXX/2015. He stated at this point they need at least XXXX days to review for a short sale and the borrower could do short sale. The attorney 's office had sent a HOME AFFORDABLE ALTERNATIVE PROGRAM ( HAFA ) notice stating that they have failed to provide the borrower in writing these options. That notice was sent XXXX/XXXX/2015 and has yet to be responded to. The borrower is prepared to list the property for short sale and just wants the opportunity to do so.
Product: Debt collection

I received a letter in the mail from Penn Credit ( ID Number : XXXX ) on XX/XX/XXXX stating I owe a balance of {$160.00} from XXXX XXXX XXXXXXXX XXXX  ( account  XXXX ). However, when I called the original merchant/creditor, they state there is no record of a balance being owed nor did they solicit Penn Credit to collect any debts. This balance was paid months ago ( payment confirmation : XXXX ) after I closed out the account with the XXXXXXXX XXXX XXXXXXXX prior to relocating to XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. Regardless of the multiple written requests, the unknown inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

Marcus by Goldman arbitrarily and capriciously will not allow me to unlock a card I had temporarily locked nor will they allow me to request a new card. Whether this is due to gross incompetence by their technology department or because this is intentional is unknown. I am stranded, however, because of Marcuss misconduct here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information to TransUnion about the XXXX bank reporting on my credit report. I paid the account off in XX/XX/year> and have said that when I disputed it through transunion several times. Ig stills shows open and delinquent. XXXX the account shows the account as paid and closed and XXXX deleted the account once I disputed the information because they found my dispute accurate. I have reached out to transunion and they refused to help with account.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  ACCNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCNT : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I looked at my XXXX credit report on XXXX XXXX and noticed somethings are incomplete and not accurate. And according to the fair credit reporting 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 individuals about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation s 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 of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 15 USC 1681s-2 they are supposed 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.
Product: Credit card or prepaid card

" SYSTEM MAINTENANCE '' COMENITY CLAIMS and I am unable to pay my account, view balance owed, make additional unscheduled, can not view to determine if scheduled payments were actually processed and I just want to close this account. I feel this is fraudulent activity and we're unable to even speak to a customer service representative.
Product: Debt collection

Collection account : KIKOFF LENDING LLC account # : XXXX Status : reporting as open amount : {$60.00} This account is incorrectly reporting that I have 5 late payments on my XXXX report and only reporting 1 late payment on my XXXX report being reported. This account is inaccurately reporting. 

According to the FCRA 602 15 USC 1681 I have the right to privacy. 604A prohibits furnishing an account without my written instructions.
Product: Credit card

On XX/XX/year>, I made a payment of {$1400.00} through XXXXXXXX XXXX  to reduce my Macys credit card balance. The payment was successfully processed, and I enrolled in autopay to pay off the remaining balance by the end of the month. 

On XX/XX/year>, Macys incorrectly charged my account {$2600.00} instead of the expected {$1200.00}, which caused my XXXX Bank account to overdraft. I immediately contacted Macys customer service to report the issue and request a correction, but despite several attempts, the issue was not resolved. 

Frustrated with the lack of resolution, I filed a dispute with XXXX XXXX  for the {$1400.00} payment, as I was uncertain how the funds were being applied. After XXXX resolved the dispute in my favor, Macys reposted the {$1400.00} as a balance owed on my account and subsequently closed my credit account without providing a proper explanation. 

This account closure negatively impacted my credit score. I have all the necessary documentation, including proof of the original {$1400.00} payment, the overdraft caused by Macys error, and communication attempts with Macys customer service.

I am requesting that Macys : Clear the reposted {$1400.00} balance. 
Reverse the account closure and correct its impact on my credit report. 
Provide an explanation and formal acknowledgment of their error. 
I would appreciate a prompt resolution to this matter.
Product: Debt collection

This debts should had been covered by the hospital as i was told. And other charges I paid them as much as I could for a 5 minute visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Experian there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/XXXX, I wrote to Experian advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX, they received it on XX/XX/XXXX and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/XXXX and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had XXXX unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.
Product: Student loan

I am currently a XXXX student at the University XXXX and have been unable to get my private student loan from Wells Fargo to be put into deferment ( their policies do stipulate that in-school deferment is allowed ). I 've submitted the necessary deferment forms multiple times and have contacted them on multiple occasions, but they will not put my student loan into deferment. I 've been charged late fees, I receive harassing phone calls from Wells Fargo every morning at XXXX, and my cosigner has received threatening letters about repayment obligations and the negative influence of missed payments on credit scores. I do n't know what to do to ameliorate this situation and I would appreciate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Sytems is reporting an account to XXXX   and XXXX  for {$190.00} this does not belong to me, I have no knowledge of what this is, and never done business with this company. This bad information is negatively impacting my credit. Stop reporting this bad information to my credit bureau 's.
Product: Credit reporting or other personal consumer reports

Improper and invalid hard inquiries on my credit every month the account is closed but yet they keep making inquiries on my credit report
Product: Checking or savings account

I am a Wells Fargo customer. A direct deposit was supposed to show up in my checking account 2 days ago but something is clearly wrong with the system. I am not able to pay my rent. I already have to pay the late fees for my bills and now I face eviction if they do not solve this problem quickly. 

I went to a Wells Fargo branch and the staff there said it was because of the XXXX of XXXX holiday and asked me to wait. 

On the website, I can only see " If you see incorrect balances or missing transactions, we apologize for this issue. Your accounts continue to be secure and we're working quickly on a resolution. ''
Product: Debt collection

On XXXX XXXX, 2022, my replacement furnace was installed, which was the same date used for gas usage closure by XXXX XXXX XXXX claiming I had used gas during the time the old furnace was inoperative thus could NOT use gas. XXXX confirmed installation date and that NO gas leaks were found. I have argued with XXXX XXXX since then and refused to pay for the gas NOT used. XXXX has refused to correct my bill, and has charged " Late Fee '' every month since despite my dispute. I sent return receipt mailing to their XXXX XXXX, IL office to appear at small claims here in XXXX, WY. and they did not show. I have always paid the undisputed portion of the bill as per their statements. I now have a letter from The CBE Group demanding payment that I do NOT owe for {$20000.00}. I have objective evidence that was submitted to the court that on XXXX occasions the XXXX XXXX office returned my payment so the payment would go late, as late charges are an active revenue source for XXXX XXXX XXXX, and for which there are other complaints known. I am demanding that CBE Group cease and desist, and that XXXX XXXX pay the {$270.00} change over fee to switch to propane and court ordered treble damages which will include the disputed charge, change over fee, and a written letter that NO adverse entry of credit reporting will be made. I am further asking that XXXX post a bond of not less than {$2000.00} for their failure to provide customer service and for their use of XXXX XXXX, IL to hide their fraud business practices. XXXX is known to be dishonest, and solicits donations from customers on their monthly statements allegedly for charity but all those funds go to pay XXXX, and not XXXX dime went to charity.
Product: Debt collection

Americollect Inc reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Americollect Inc received my personal medical information. I have not agreed to do any business with Americollect Inc, I have not received any goods or services from Americollect Inc, nor am I responsible for their debt collection purchase from their alleged client. Americollect Inc, has flagged my credit before without first proving their account ( s ) belong to me. Each time Americollect Inc failed to validate their debt. Americollect Inc have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Americollect Inc continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.
Product: Checking or savings account

USbank mailed me a letter on the XXXX XXXX to inform me about closing my account. In the letter, it was stated they had mail me a cashier check for whatever balance in my account within 15 business days after my account is closed. On the XXXX XXXX, they confirmed that my account is closed after I called customer service for balance, up till now, I have not received the cashier check as promised for balance left in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX applied for an auto loan XXXX inquiries appear in my experian XXXX credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..and several more in XXXX credit agencies claiming they considerer just 1 inquiry ... .that 's not true Requested delete XXXX to XXXX and leave XXXX inquiry ... that's fair my credit report is damaged for that reason Thank you
Product: Credit card

I always pay on time and never missed a payment. I'm begging you please update my account.