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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

Received letter dated XX/XX/2023 from Genesisfs card services stating there was a balance of {$75.00} on a DESTINY Mastercard which has been put on a temporary block. I originally thought this was a scam, so I didn't call any numbers. Then a week later, I received an actual credit card in the mail that said I had a {$300.00} limit and need to be activated. Several days later a credit card statement arrived with a balance due of {$76.00}, which is made up of {$75.00} annual fee + {$1.00} credit protection fee. This had a due date of XX/XX/2023. We called the number on the statement to report that we had not opened this account. It was the weekend, so they gave us the fraud phone number to call on Monday. On Monday we were unable to get through due to hold times for available representatives. Then a few days later, we received a letter dated XX/XX/2023 stating they investigated claim of identity theft and would remove inquiry and account from credit bureaus. We researched this company on-line and found multiply complaints of people having the same issue and same dollar amounts and it never closed or removed from credit bureaus. We called today and spoke with 2 representatives. They pulled our account and would never confirm there was identity theft, fraud, or even if the account was closed. Again after reading so many complaints about this company and similar situations, we decided to come to you for help.
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 items 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 XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX & XXXX account XXXX account name : XXXX XXXX  XXXX  account number XXXX account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX XXXX account number XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 USC 602A States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish my account without 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, other than records of conviction of crimes which antedates the report by more than 7 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, credit repair services, or other personal consumer reports

This is LEWIS MCDONNELL & ASSOCIATES is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).
Product: Debt collection

Requesting the debt collectors licensing number before having a constable serve an affidavit for smalls claims court. Need to make sure they are licensed to collect on an alleged debt here in the state of Utah. LVNV is still currently reporting to the major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report ( Equifax only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on Equifax again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX  this year. I have disputed these two account with Equifax and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. Equifax should not be a trusted agency for being responsible for people credit information.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account for Home Depot that I did not recognize. I contacted Citibank, and they referred me back to Home Depot. After speaking with Home Depot, they confirmed there is no account under my name. Despite this, the credit bureaus continue to report the account. I have spoken with the bureaus over the phone and sent a police report documenting the fraud, yet the account has not been removed from my report.
Product: Credit reporting or other personal consumer reports

i write XXXX XXXX XXXX  about a change off closed acct they sold it to collect company its reporting on my credit file as a change off so i ask them for a 1099 to file on my taxz no reply under the FCRA YOU CAN SEEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFOMATION ABOUT A DEBT SUCH AS INCORRECTLY REPORTING A CHARGE OFF WHILE STILL CLAMING YOU OWE THE DEDT THIS IS FRAUD AND I WILL SUE THEM AND REPORT THEM TO THE IRS
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$10000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Spoke with creditor and due date was changed to XXXX of each month.. I have maintained automatic withdrawal but they are reporting me late with the same due date
Product: Credit reporting or other personal consumer reports

TransUnion has been responding to a series of disputes that i filed with them in XX/XX/year> by writing me letters and sending me a copy of my credit report containing accounts that i am or have disputed. The letters that they mailed to me suggested that i should have supporting documents to support my disputes. TransUnion responded to several of my disputes by simply saying they have verified and updated the accounts without providing to me copies of signed and permissible documents evidencing the accuracy and completeness of disputed information in the accounts. Under section 623 of the FCRA TransUnion and their data furnishers have a duty to ensure the accuracy and completeness of any information that they publish in a credit report by investigating the written and permitted documentations that gave rise to the information in the credit report and also provide to the consumer copies of written evidence. If TransUnion or the data furnishers can not satisfy this requirement of section 23 of FCRA then they can not publish or report such information.
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 : Account # XXXX, XXXX  XXXX  XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have a medical debt of {$310.00} that I did not know I had. I was putting in collection with this company called Transworld System. I have paid the debt in full alredy, however they refuse to remove this collection account from my credit score. I am trying to get a house loan with lower interest rate but now I wont be able to do it cause of this account being open. It took 50 points down from my credit score. I need help, I need them to remove this account from my credit report. So my credit can boost back again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Debt collection

It was brought to my attention upon checking my credit report. There is an account owned by Continental Finance opened around XX/XX/year>, in which they are owed a debt. 
I have no knowledge of this account and has been confirmed fraudulent. 
They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership.

They have validated my rights protected under 15 USC 1681.
Product: Student loan

XX/XX/2023 I was approved for a XXXX loan and a Grad unsubsidized plus loan. The unsubsidized graduate loan was approved for {$130000.00} However I only requested XXXX to cover living expenses and othe recertification need to activate within that year. I requested that amount to not be held in the school accounts, and to be dispense to me. Only amount that was dispense was XXXX divided with in the two semester of school. When I reach our to the school they stated I am not able to receive it based on they could only requested amount for school with XXXX more. Very confuse based on the loan was completed from my credit and not provided by the government subsized loan process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2400.00} the items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Product: Money transfer, virtual currency, or money service

I wired {$22000.00} to my Coinbase/XXXX  account on XX/XX/2018. I sent the funds before XXXX XXXX time, which means the funds should post to my account the same day. It has now been a month and my funds still havent appeared. I have made MULTIPLE phone calls to Coinbase/XXXX, I have also sent NUMEROUS emails as well to no avail. I am literally at my wits end because this isnt a small amount of money and there is no reason why my funds arent yet available. CFPB PLEASE HELP ME
Product: Debt collection

The collection account was posted on my credit credit report from debt collectors. One from Credit Management LP with an amount of {$350.00} with original creditor XXXX XXXX. It was posted that it occurred from XX/XX/2023 - XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I've sent the following message by mail to Transunion and XXXX over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX  ]
Product: Checking or savings account

I opened an account through a company called Juno Finance ( at the time called OnJuno ) in XXXX. They advertised a high interest rate checking account with the money being held at a brick and XXXX bank XXXX XXXX XXXX XXXX XXXX ). I was assured that the money was FDIC insured. 

Without my consent, they enrolled me in a " Cash Management Account '' program with a company called XXXX XXXX XXXX and its subsidiary Synapse Brokerage. Juno claimed that the money would still be FDIC and/or XXXX insured XXXX part of this program. 

When I tried to withdraw my money in XXXX of this year, I was informed that there was a problem with XXXX 's software, and withdrawals were frozen. I then learned that Synapse went bankrupt, and as a part of the bankruptcy proceedings I find out that my money was not FDIC or XXXX insured. 

I put money in this account because I thought it was a safe checking account with FDIC XXXX. Juno moved the money ( again, WITHOUT MY CONSENT ) into accounts that apparently had no insurance at all. 

When I reach out to Juno, they point fingers at XXXX XXXX  XXXX XXXX and XXXX like they have no share in the blame for making risky investments on behalf of their customers WITHOUT THEIR CONSENT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Services incorrectly applied two mortgage payments in XX/XX/XXXX. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with SLS since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XX/XX/XXXX- XX/XX/XXXX show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.
Product: Student loan

All qualifying payments have been made & payment is due to me but the servicer ( MOHELA ) is still trying to take payments.
Product: Credit reporting or other personal consumer reports

I recently checked my report and have accounts I do not recognize
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report I am a victim of identity theft, and did not make the charge. I asked that the items be deleted to correct my credit report.. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission, identity theft, affidavit. Please delete the items as soon as possible.. 

XXXXXXXX XXXX XXXXXXXX ( Retailer ) XXXX XXXXXXXX XXXX