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

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the unjust XXXX of my funds and the indefinite suspension of my Zelle account, as well as the lack of assistance from XXXX XXXX XXXX in resolving this issue. 

On XX/XX/year>, I completed a transaction involving the sale of cryptocurrency on XXXX. Funds were transferred to my Zelle account from multiple sources as agreed with the buyer. After releasing the cryptocurrency to the buyer in good faith, Zelle revoked my access to the platform and seized my funds without providing any notice or explanation. 

I contacted XXXX XXXX XXXX, the financial institution providing access to my Zelle account, to resolve the issue. However, they informed me that Zelle had made the decision unilaterally, and XXXX  XXXX XXXX could not assist me further. 

Additionally, I have already filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) regarding this issue. I have received responses from both Zelle and XXXX XXXX  XXXX through that process, and I am prepared to provide those responses as supporting documentation for this complaint. 

This situation has caused significant financial and emotional distress. Zelle advertises itself as a secure payment platform, but this experience undermines that claim. Furthermore, XXXX  XXXX XXXX refusal to provide support in a matter involving a service they facilitate is deeply disappointing. 

Neither Zelle nor XXXX  XXXX XXXX has made any effort to investigate the situation or provide a clear resolution. I did not receive any notice from either company informing me of any allegations of unauthorized use of my account or any specific claims against me. 

Instead, both companies have treated me as if I am guilty without due process or proper investigation. This lack of communication and transparency is deeply troubling and unfair, as it disregards my rights as a customer. It is unacceptable for companies to take such unilateral actionsblocking access to my account and seizing fundswithout providing any explanation or opportunity for me to address the issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}
Product: Mortgage

I purchased my home in XXXX and was not required to have flood insurance because I was in Zone X. My servicer was XXXX. At some point in the last few years my servicer changed to Seterus. In XXXX FEMA changed the flood maps in my area and placed my property in Flood Zone AE ( high risk ). I did not get any notification of this change from FEMA nor from Seterus. I was unaware of the change until recently when my home flooded with XXXX ' of water from the XXXX flooding. I checked with my neighbors and most of them got notifications from their mortgage company when the maps changed telling them they had 45 days to provide flood insurance or it would be placed for them. I have read that it is a Federal Law for mortgage companies to place flood insurance on their assets to protect them when they are in high risk flood areas. As I understand it is their responsibility to know this information and inform me. The situation now is that I have a home worth pre-flood XXXX but now needs XXXX to rebuild. I currently owe XXXX on the original mortgage. I feel that the servicer or XXXX or FEMA bear some responsibility in not having the coverage I needed. I have gotten some money from FEMA as disaster relief but not to cover rebuilding. The home currently is vacant and not livable. I have called Seterus and they give me the run around sending me to their Insurance department XXXX who then tells me I do n't have Flood Insurance. ( I know ) They tell me I can not talk directly to their property mitigation department nor directly to XXXX about getting help with rebuilding costs by way of cash or mortgage reduction. I do n't want to walk from the house but the numbers just do n't add up. I need to find the right person which has not happened to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I still haven't received a response and the accounts are still showing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX XXXX Florida i went to bank they said account does not exist giving me no opportunity to work this out to remove from credit report
Product: Credit reporting or other personal consumer reports

Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus XXXX Experian and XXXX informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX || Account number : XXXX
Product: Debt collection

I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
Product: Mortgage

We have contacted Wells Fargo ( XXXX lien holder ) in an effort to postpone foreclosure XXXX XXXX XXXX, 2016 XXXX on our home. We have been waiting for a payoff notification from Wells Fargo after repeated attempts to obtain it from them so that our XXXX lien holder ( SLS ) can approve their part of the short sale process. We have not been acknowledged through Wells Fargo for our requests and the requests of our Short Sale Title Agent XXXX XXXX. We have an open contract for the short sale and are currently being held up by Wells Fargo because they would rather foreclose on our house rather than sell it to an approved buyer.
Product: Checking or savings account

Follow up on Case XXXX I have continued to ask American Express National Band to honor the High Yield Saving account that I opened with {$20000.00}. The account was hacked a year later by an unknown person named XXXX XXXX and to $ XXXX was stolen. The attached documents show how my spouse joint account holder XXXX XXXX name was removed. A second account was opened with the above named criminal XXXX XXXX. 
All my attempts have been unsuccessful to recoup my hard earned funds in this high yield account... .it is simply not fair!. 
In 2024 I have made phone calls & spoke with XXXX XXXX XXXX XXXX XXXX XXXX without success. 
I have transferred my small remaining balance. However, the account is still open with a few cents.
Product: Credit reporting or other personal consumer reports

The company is reporting inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times. Per the IRS this is considered as income and should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, This letter is in reference to complaint XXXX made on the CFPB website in reference to an XXXX XXXX  inquiry published on my Experian Consumer Report without my discretion. My rights to privacy, as noted in 15 USC 1681 ( a ) ( 4 ), which is a FEDERAL LAW, were violated. I sent the complaint on XX/XX/2022 to the CFPB which was reported to Experian. Experian sent me an email on XX/XX/2022 at XXXX AM regarding the matter and stated, " When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). '' I have not received any message back from Experian since that date regarding the matter and the XXXX XXXX inquiry is still on my Experian Credit Report as of XX/XX/2022. Later in the letter, Experian stated, " If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. '' As previously stated, I have not received any information, or update, nor has my credit report changed, and it has been over 30 days since this initial dispute. As Experian has stated, they will update the consumer report as requested meaning that the item shall be deleted and I will receive my invoice of {$1000.00} as initially requested.
Product: Debt collection

I formally request that you remove my name from the list of your debtors, I never had anything to do with XXXX XXXX XXXXXXXX, you claim of debt may be through Identity Theft. Please provide validity of debt with my name and my signature.

Thanks sincerely for attending to the circumstances
Product: Debt collection

I received a letter from results unlimited llc their phone number is XXXX the letter says they are trying to collect a debt for the XXXXXXXX XXXX for the amount of XXXX. I do not owe this amount and if I did owe any money to the XXXX XXXX it would have been covered by my deposit which they never returned. I received a document saying I am being sued by the XXXXXXXX XXXX and I need to appear in court on XX/XX/year>. This is incorrect I do not owe them any money and they are taking me to court for this ridiculous amount of {$9300.00} this needs to stop I am being harassed by them as well. This is not my debt and the XXXX is practicing unfair billing, management and use of power.
Product: Debt collection

XXXX & Convergent Outsourcing. I returned all the equipment and paid all my bills but they can't tell me what I'm being charged for nor why this is still on my credit report as a collection. Furthermore I'm sure this is at least if not more than 7 years old. I have not had XXXX in some years but they keep placing it on my credit report and it's costing me thousands of dollars as a consumer. It is the only derogatory comment on my credit account and is affecting me more than anything. There is no money owed to XXXX at all and I'm not sure where they are getting this information from. I spoke with convergent outsourcing and they have no idea other than they just want me to pay. I don't know what I'm paying for and it almost seems scamish.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of the negative inquiries reporting to my credit report. I only applied at XXXX company and I have several on my credit report. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Product: Credit card

In XX/XX/XXXX I discovered a fraudulent charge of {$120.00} on my Direct Express account since XXXX of XXXX. I reached out to XXXX regarding the charge, and after an investigation, XXXX confirmed that they had no record of the transaction, or any related account tied to that charge. Despite XXXX 's statement that they did not make the charge, the {$120.00} remained on my Direct Express account. This account is connected to my Social Security Account. 
In XXXX, I successfully received a refund of {$170.00} for the same charge of fraud on my account, for the same issue. However, despite XXXX 's confirmation that they did not authorize the {$120.00} charge, Direct Express denied my request for a refund. They cited a 120-day statute of limitation for disputing transactions as the reason for the denial, even though fraudulent transactions typical do not fall under such limitations. Direct Express requested receipts for a fraudulent charge. This refusal to refund my {$120.00} persists despite evidence of fraud. 
LEGAL DISPUTE Truth in Lending Act ( TILA ) - 15 U.S.C sec 1601 et seq. Credit card fraud protection is not subject to the 120-day time limit, because fraud is considered an exceptional circumstance.

Regulation E. 12 C.F.R Part 1005 Implements the EFTA. Liability for Unauthorized Transactions. Regulation E protects consumers who experience unauthorized transfers or withdrawals from their account. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a federal court ruled that banks must thoroughly investigate fraud claims and can not rely solely on arbitrary time limits to deny legitimate disputes involving fraud.
Product: Mortgage

To whom it may concern : Can you tell me how to get information on my mineral rights that I purchase for my land that my home was located on at XXXX XXXX XXXX, XXXX, XXXX. XXXX.I had XXXX-little checks from the oil and gas while in the house.I went on a two week vacation to XXXX and when I came back the house was broken into by Flagstar Bank.I do not have any information on the company.I want to locate my mineral rights checks and hope it is not going to Flagstar Bank.Thanks for any help I can be reached at, XXXX XXXX , XXXX, XXXX,
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX. Debt Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never utilized services from this company which upon an internet search offers web hosting/domain registration. I have received letters in the mail claiming to be collecting on behalf of this company. I have checked my credit report with all three bureaus and this debt does not appear. Upon further research into this organization is appears there are numerous incidents like this regarding this company. I am not sure how they received my information but I do not want to give them any further information to perpetuate this false claim. I will contact my attorney to handle the matter on my behalf if the letters continue.
Product: Credit card or prepaid card

Chase bank sent me  an Amazon Rewards Visa cre dit card for which I did not apply. I called them immediately and they said they are 'investigating ', but there have since been no further updates. The opening of this account entailed a hit to my  XXXX  credit report.     There is a thread on Amazon discussion forum indicating this is an issue that many others have been having as well. It 's unclear if the issue originates with  Chase, Amazon, e ither, or both.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to left my Equifax freeze since Friday afternoon ( XXXX ). The website directs you to sign in to my Equifax, but then it always says can't complete and try again later. I called and the call center rep said they didn't know when the website will be working again. This is outrageous - these companies have to be able to left these freezes promptly. I don't want to do it over the phone, because I want a record of it.
Product: Debt collection

On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. 

I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. 

I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.
Product: Money transfer, virtual currency, or money service

Hi, i was scammed by a XXXX XXXX supposedly living in XXXX XXXX, yes she was real i XXXX  her to make sure of that before i started investing with her. Now in actuality it didn't seem like i was investing my money with her. She introduced me to an app that if you look up is a legit app called XXXX. The app is a real legit app, but the link she sent me was to an app that looked just like it. So that app i was actually on was a fraudulent app. It had customer service and everything. It was all quite a good scam. I ended up sending my money to my wallet in bitstamp and through that i would send it to the Wallet id in the app. You guys shut my account down and i have no access to it anymore! no reason was given for this either. I want my account reinstated so i can show you those transactions as well. This is totally illegal : not allowing me the proof I need to reveal transactions that show the carelessness of the bitstamp company.
Product: Credit reporting

The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.
Product: Student loan

Continuous calls about loan forgiveness and economic impact plans. 

I do not have any issues repaying and am being targeted by scammers, as are many other lenders.
Product: Credit card or prepaid card

A  Discover Card re presentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.