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

formally express my concerns regarding Zelle 's handling of 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 transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

Cash app took money from my account and never had a chance to talk with anyone about my issues then they close my account with my money and I wasnt able to get the remaining balance
Product: Credit card

I am writing to bring to your immediate attention a highly distressing matter regarding my New York and Company credit card account. Regrettably, despite my repeated attempts to resolve this issue, I have yet to receive any satisfactory resolution from Comenity Bank, the issuer of my credit card. 

In 2021 my New York and Company credit card was unlawfully compromised by an unauthorized individual. Despite promptly reporting this fraudulent activity to this company, relevant authorities, including the FBI Internet Complaint Center and all three major credit bureaus, and submitting a prior complaint to the Consumer Financial Protection Bureau ( CFPB ), the situation remains unresolved. 

The unauthorized user made substantial purchases using my credit card, resulting in a significant financial burden. Despite my diligent efforts to mitigate the impact of this fraud, New York and Company continues to charge and bill me for these fraudulent transactions. Moreover, for the past three years, I have been inexplicably locked out of my online account, rendering me unable to make payments or access essential account information. 

Furthermore, I have not received any written billing statements or been issued a replacement credit card. This lack of communication has made it exceedingly difficult for me to keep track of payment due dates, leading to recurring very high late fees and additional financial strain. As an individual with a documented disability that affects my memory and concentration, this oversight has had a profoundly detrimental impact on my financial well-being and health. 

I implore you to urgently investigate this matter and take immediate corrective action to rectify the situation. I request that you : Cease all billing for fraudulent transactions immediately. 
Provide me with a detailed account of all charges incurred on my credit card since the fraudulent activity occurred. 
Issue a replacement credit card and restore my access to the online account management portal. 
Waive all late fees accrued as a result of the failure to provide billing notices and account access. 
Implement measures to prevent similar incidents of fraud in the future and enhance customer account security protocols. 

Failure to address these concerns timely may compel me to escalate this issue through additional channels, including legal action and further complaints to regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX**, ( Original Creditor : ) XXXX**
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX with 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One is reporting on my credit report that I have no knowledge of. I have contacted this debt collector for proof that I owe this debt and they have repeatedly denied my request and have not provided proof. This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information then I demand that they cease any credit bureau reporting until debt has been validated by me.
Product: Money transfer, virtual currency, or money service

On XXXX I sent by XXXX XXXX payments in the amounts of {$400.00} and {$500.00}. There was a scammer on XXXX pretending to be a business. The entity used a legitimate business and took company logos and created their own. I purchased XXXX items from a fake company who wanted payment by apps and XXXX was XXXX of them. Unfortunately I found out the person was an imposter and stole my money and I did not receive any items. I discovered the photos of the items were taken from legitimate businesses on XXXX and XXXX XXXX XXXX  XXXX photo search provided this information. XXXX has no mechanism for fraud and once you send money it is gone. I would like to get a refund of {$900.00} because XXXX enables fraudulent actors to victimize consumers.
Product: Debt collection

On XXXX/XXXX/2015 I requested debt validation from Enhanced Recovery and still have not received any evidence that this debt is either legitimate or belonging to me. I also disputed this with the credit bureaus and they conducted an investigation and stated Enhanced Recovery verified the debt, which is absurd that they verify a debt to a credit reporting agency and not to me, the consumer.
Product: Debt collection

We try to find out with this company National Recovery what is going on with the debit reported for a {$4500.00} and was told to me that this debit it comes from a gas company XXXX XXXX. I ask to have some paper work that to confirm this bills that i own because there is no chance that i own those money.If you own anything to any utillity company if u do not pay for a month your bill they will stop your service but {$4500.00} ar to much for a bill This company try to threat me that they take me at court and thet will have a Sheriff Department coming to arrest me if i do not pay.My life is so stresefyl right now from this company. 
They can't prove the bills to show the real amount The adress on file do not match at all with where i live and the state i am in
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EQUIFAX ALSO HAS A POLICE REPORT ON FILE PERTAINING TO THIS ITEM
Product: Debt collection

Mechanics Bank XXXX XXXX first called me to collect on an auto loan payment that was missed in around XXXX. When the agent called he did not properly verify who he was speaking to and gave all my information to someone who was not me. I spoke with two managers XXXX and XXXX about this issue. XXXX assured me he listened to the call and coached the agent stating the agent asked for the last name of the client and assumed since the last name was the same it was the correct person. I later spoke to XXXX who said he is a manger also and will handle my account. I received another call today XXXX at XXXX and AGAIN the agent from Mechanics Bank just gave all my account details and information to someone who was not me. When I got on the phone and advised the agent she began to get upset with me and stated she will get a manager. She placed me on hold for more then 5min with out checking back with me and I decided to end the call.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> I received an offered form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CC for a balance transfer with 0 % for 18 months. I call and asked ( both ) if this would have any impact on my credit? I was told that this would actually improve my credit because it would show my other card paid in full, i mention that i need to make sure that this matter would not have a negative impact on my credit as i am trying to buy a house in the near future. at the moment I had a credit line of about XXXX with multiple CC. they in courage me to go out and spend some credit so that i could take advantage of this offer. I now have about XXXX in debts. even if I had not done this transfers I would not have a problem with beaning in debt XXXX. I have spoken to CC counselors and every one else they all agreed that this transfers are the core cause! As a person I feel used taking advantage off mislead, abused as a business owner I feel like this is entrapment first they make you an offer than they talk you into getting in more debt then they get there fee up front, then they sale you information to XXXX parties so they can come after you. THIS WRONG! I went from having a great life good credit to now having nightmares and been pursuit and stereo typed as been in debt every day i get calls for debt releif comp. same with emails and my media. as i have leard I am not the only person the is having to deal with this nightmare, No one cares this is just a business! I don't know what to do. but i will be pursuing this on all my media channels to make peoples aware of this..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name : FSNB, NA Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is defrauding consumers with deceptive late fees. After opening an account to build good credit, I attempted to pay off my balance online, only to find the payment option grayed out. When I called the provided number, I was informed of an unexpected late fee. Despite paying my balance and being assured there would be no further charges, I was repeatedly hit with late fees as they continued to move the payment deadline. I ultimately closed the account, confirmed I had a XXXX balance, and was told there would be no future charges, but the fees continued. This company has failed to disclose critical information, moved goalposts, and engaged in practices that seem fraudulent. I demand the immediate removal of this item from my credit report, as they have not acted in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize these companies to access my credit file, 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  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to NC State Employees Credit Union, to tell them that I was a casualty of data fraud and I additionally join a police report and a FTC report to my letter that I sent to NC State Employees Credit Union. In their reaction letter they sent me back NCSECU said that after cautious survey of this contest we can't examine this case at the time as the credit association has confirmed that your letter has started from a credit fix however I'm the person who really sent the letter to this organization and nobody else or some other  organization got me out and the letter I sent them wasn't drafted on a structure provided by a credit fix association.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$4100.00} Account Name XXXX XXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT XXXX CONSENT Account Amount {$24000.00} Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount__ {$22000.00} Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount_ {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom This May Concern, Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting validation of this debt. Please provide complete information on the original creditor, the original account number, the date this account was open, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

I dispute the validity of this debt under 15 USC 1692 at this time. Please verify this debt in writing and provide all information requested above within 30 days.

If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease.. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Product: Checking or savings account

On XX/XX/XXXX myself and my boyfriend applied for an apartment with XXXX XXXX XXXX in XXXX California. We submitted two separate payments of {$35.00} for apllication fees and {$250.00} for a holding deposit. I received an email from XXXX who is the property manager and he stated the {$35.00} is non refundable and the {$250.00} is based on the out one of the crefut check. Meaning if I'm denied I get it back. I was denied and asked that the {$150.00} be refunded to my card. I was told it couldn't be and corporate would send a check. I never got a check and I went through my bank to dispute it. My bank, Chime gave me a provisional credit and then last week told me they completed the dispute and no error was found and that they would now take the {$250.00} back as of XX/XX/XXXX. I contacted and spoke to a floor manager twice to have this dispute reopened. I was given the pdf they used and it's a rebuttal that's not on letter head and says they charge $ XXXX for an app fee and I agreed to it and knew it was non refundable. I submitted Chime with all the emails to prove it was a holding fee. And on the bottom of their pdf it states how the charges were to be seen on my statement. It showed two {$35.00} app fees and one {$250.00} holding fee. I was told my dispute would be open and the money would not be debited. However today it was now I'm negative and they will not reopen and they are standing by the merchant stating {$250.00} is an application fee although I was only charged once and there were two of us.
Product: Credit reporting or other personal consumer reports

I have repeatedly submitted complaints and have gotten nowhere, XXXX XXXX XXXX keeps saying my email address is incorrect when I have stated to them numerous times my physical address was incorrect so their notifications that they said they mailed informing me that my account would be put in collections were never received. They have sent this incorrect information to these complaints numerous times and you at the CFPB have missed the point. I was not given any notification as they stated and want the chart off removed immediately.