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

I am writing to formally express my concerns regarding Zelle handing 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 transition was unfeasible. The CFPBs finding 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. This lack of accountability and transparency is unacceptable and rasies serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected right consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX have 2 inaccurate accounts that are both reported twice on the credit report creating significant damage. 

15 U.S.C. 1681-2s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/29, I realized my wallet had been stolen. I logged into Bank of America and noticed several fraudulent charges were pending on my checking account totaling {$15000.00} from a vendor called XXXX XXXX XXXX. I immediately notified Bank of America and filed a police report. I submitted the police report to Bank of America and received new debit and credit cards in the mail. 

In the next few days, about {$10000.00} of the fraudulent attempts were pending but ultimately denied. However, there is still {$5700.00} outstanding. 

On XXXX, they concluded that the charges were authorized by me, which is impossible. I am trying to escalate and have my claim reopened, but they are unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The decision to not delete the public record on file is very upsetting and I do not think this is fair. I have sent supporting documentation to Experian and XXXX showing, prior to the public record, that XXXX XXXX admits to an erroneous software miscalculation on XX/XX/XXXX which denied a loan modification which led to the public record filing on XXXX, XXXX, XXXX. This case has extenuating circumstances. The public record filing should never of been filed in the first place but was based on an error by XXXX XXXX. XXXX XXXX suppressed this information from me for XXXX years as I was notified on XX/XX/XXXX of the error. This is the correct aspect of this matter. It is time to end all the controversy of this matter and by deleting the last public record on my credit report will do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$760.00} Account Name : CCS COLLECTIONS Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX
Product: Checking or savings account

XX/XX/XXXX Dear Sir Mam : Went to my banking institution yesterday afternoon. Was told that after I had entered my bank and started my transaction at the counter that she said that I had to wear a certain type of attire. I was stunned as to there is no law or statutory law that has ever been in place that has any establishment bank or otherwise the right to tell us what to wear or how to dress. She continued harassing me even though I have been to my other locations numerous times and done my banking business in the usual manner. She refused to serve the customer even though I advised her that she is breaking the law. ( California Penal Code 538 ( d ) PC. Also the Non-discrimination Laws in the State of California Civil Code 51. ) There are more statutory laws in CA. Since I was harassed and threatened and refused service at a public place ; I left and said at the door that they are breaking the law and engaging in discrimination of a bank customer. I have also never seen a XXXX man or woman being told they can not enter because of their attire. I am seeking to have them fined according to civil rights violation, Federal Civil rights law ( Title 11, Section 2000 ) and want them notified/contacted and advised that these so called " mandates '', " requirements '' etc. etc. are NOT laws. Please render assistance as soon as possible. Thank you
Product: Debt collection

LVNV FUNDING LLC Subject : Notice of Violation of Rights under FDCPA Dear LVNV FUNDING LLC, I am unaware of this debt. I did not have an opportunity to dispute this information.

Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt.

If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.
Product: Credit card

In 2023 I noticed that US BANK had reduced my business credit limit from {$6200.00} to {$2500.00} which left my debt to that number being {$150.00} dollars. This was only after I had purchased for my company XXXX ( XXXX round magazines ) for a customer of mine. US BANK then targeted me and my business and failed to look into the fact that I am a XXXX XXXXXXXX  in XXXX. It was blamed on a one-time miss of {$40.00} that I was charged on the account which was due on XXXX. I went into a US BANK on XXXX and asked about what was owed on my card and they told me NOTHING, but then I was assessed a late charge after the holiday Weekend. 

US BANK targeted me and my company because I am registered XXXX  by the US GOVERNMENT, and they opened up a new line of credit which my credit score to take another hard hit and they reduced my account amount. They didn't post it on my documents on their website, but the mailed it through the USPS to me. This is a chicken way of a woke bank that has a serious history of doing these tactics I have found out now.
Product: Credit reporting

I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.
Product: Debt collection

I have disputed the debt with the creditor and the credit bureau. Original creditor is XXXX XXXX XXXX XXXX. The medical bill was paid at time of service by XXXX. I also had XXXX double coverage at time of service to cover any amount left after XXXX paid. I have demanded proof of my signature on documents showing my responsibility for the debt. I still have not received any proof. I do not owe this debt.
Product: Debt collection

In XX/XX/XXXX, Commonwealth Financial Systems reported a negative medical debt that was sent to collections before the original Debt owner XXXX XXXX XXXX XXXX secured payment from my medical Insurance provider who paid the medical bill in XX/XX/XXXX. The amount posted on my XXXX and XXXX credit report states that I am delinquent to the debt of {$700.00}. This was clearly paid and annotated on my medical Explanation of Benefits statement dated XX/XX/XXXX. After repeatedly disputing this with the two mentioned CRA, The Debt collection Agengy ( Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX ) replied without investigating that the amount reported on credit report is correct. I then contacted the original Debt reporter ( XXXX XXXX XXXX XXXX ) who sold the account to Commonwealth Financial System and was given another amount owed that is not correct. Requesting a bill, I then received billing statement with another amount different from the {$700.00} previous reported on my credit report. This information came from Commonwealth Financial Systems XXXX XXXX XXXX, XXXX XXXX PA XXXX in a letter shortly after I contacted XXXX XXXX XXXX XXXX. The information being reported is not correct and I have acquired enough documentation to show that XXXX XXXX XXXX XXXX is trying to collect money not owed that was paid by my insurance and the third party Collection agency is reporting this debt erroneously and using my credit report as a ransom to get me to pay what is not legally owed due to bad billing from the original debtor XXXX XXXX XXXX XXXX. I feel this tactic is to coerce me to pay something or I would otherwise have a negative comment on my Credit report until XX/XX/XXXX. I can send all documentations after I hear back and know I can trust a secure means to send it to your office.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX 2 ) ( recovery one ) on XXXX XXXX under account number XXXX for a balance of XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I 've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the EXPERIAN, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Mortgage

I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After thoroughly checking my credit reports, I spotted inaccurate Public Information that need reporting and correction through your company. 

I have attached the copy of my dispute letters that were sent it to the Bureaus.
Product: Debt collection

Absolute Resolutions purchased a credit card debt. In XXXX I negotiated and paid a settlement to them. The have marked the balance down to {$0.00} but refuse to report the account as closed on the XXXX system so that it looks like I have an open collection account that is dropping my score by more than XXXX points. I have asked XXXX to correct the report, I have put in several online disputes and finally sent a written dispute to XXXX which was denied in XX/XX/XXXX because Absolute Resolutions affirmed that the account is still open. I called XXXX today and they have reopened the dispute but there is no guarantee that it will result in a correction. Absolute Resolutions is deliberately leaving this account as " open '' to punish me for settling the account instead of paying it in full. I attached the settlement letter to the mailed dispute and the account history clearly shows that the agreed upon amount was promptly paid. Before I began disputing the account, it still showed as owning the remaining {$310.00}. They finally marked it as {$0.00} owed but continue to keep it as an open collection to punish me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / INACCURATE INFORMATION ON MY EXPERIAN CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE ACCOUNT NEVER LATE.
Product: Debt collection

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 USC 1681., XXXX XXXX XXXX XXXX XXXX NCB MANAGEMENT SERVICES XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As a result of this the original creditor XXXX XXXX XXXX sold my debt to NCB MANAGEMENT SERVICES. Now I'm getting sued for a debt that was charged off. XXXX XXXX XXXX won't send me the charge off letter to dispute the claim.
Product: Checking or savings account

I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. 
I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. 
We never received any indication that the account was being closed. 
Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. 
I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. 
We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. 
Thank you.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' Thanks.
Product: Checking or savings account

Unfortunately a very large sum of money was refunded but never received. It is believed the company went out of business but there is no way for me to know. I did receive an agreed upon refund statement and the company said it would be refunded. However I could not reach them when I got concerned after 10 days. I disputed the fees associated with my car warranty and repairs which were to be refunded. I provided proof of this but CURRENT BANK left it out my proof in their initial decline decision. However, they did inform me that they were not able to reach the merchant, neither have XXXX I asked to appeal the decision as it seems there was no real investigation. Neither CURRENT nor myself could reach the merchant. No investigation was done. However, CURRENT still denied not having not my initial claim but my appeal immediately without investigating or reviewing my proof of return documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. XXXX XXXX is also reporting the account. 

That means there are XXXX violations due to a single trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Vehicle loan or lease

XX/XX/2017 a family member signed to get a loan for anther family member of mine. I didn't mine because they were family I didn't want anyone to get into any trouble. I was even help paying the interest on the loan to protect my credit. Then the borrower stopped paying completely. I went and got legal advice and they advised me pay the loan off and seek the co borrower in court for the vehicle. Well the vehicle has been wrecked since last year and she hasn't reported it to the credit union. I  believe this breaches the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX 1. Hsbc Bank XXXX XXXX XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX 1. Hsbc Bank Usa Na XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. 
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX