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 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Prepaid card

Looked at my deposit this morning and it is not accurate ... Rushcard deposiy only XXXX into my account when it should have been XXXX I have been on hold for 30 minutes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XXXX - {$2900.00} XXXX. XXXX XXXX  XXXX - XXXX - XXXX - {$1700.00} Inquiries : XXXX. XXXX XXXX - XXXX
Product: Checking or savings account

I would like to file a complaint against Ally Bank for paying a {$19000.00} electronic debit against my checking account at a time my balance was only {$3900.00}, leaving my checking account seriously overdrawn and leaving me unable to pay other bills. 

I recently made a balance transfer of {$19000.00} to a XXXX XXXX credit card that I had not recently used. I was not aware that I had previously set it up to have the full balance paid each month. On XX/XX/20 XXXX XXXX initiated a payment of the full credit card balance of {$19000.00} to Ally. At the time my checking account balance was {$3900.00}, with a reserve balance of {$10000.00} in my linked money market account. The combined balance of these two accounts of only {$14000.00}. Despite the shortfall of almost {$6000.00} Ally transferred {$10000.00} from my money market and paid the electronic debit, leaving my checking account overdrawn by {$5900.00}. Since Ally not only paid an item overdrawing my checking account, but depleted my savings account as well, I am left without any funds to pay any other items that come into my account between today and whenever I can get the situation straightened out. This could lead to a cascade of overdraft fees, as well as embarrassment. Additionally, since my money market savings account was also depleted, we are left no funds available for any day to day expenses. 

When I contacted Ally, they indicated all they could do was open an investigation and offered no explanation as to why they would pay an item that caused such a substantial overdraft to my account rather than returning it for insufficient funds. They said they were unable to provisionally credit my account while the payment is reversed, unless the investigation went beyond the 10 day period. 

I have contacted XXXX and requested that they reverse the payment. They have agreed to do so, but the process could take up to 2 weeks to be completed, so it will not undo the harm, frustration, and financial hardship caused by Ally paying an item that clearly should have been returned for insufficient funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account XXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXX XXXX to get this old account deleted/removed it was paid off back on XX/XX/2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account NumberXXXXCollection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from my credit report.
Product: Credit card

Wal-Mart / Synchrony Bank is reporting a XXXX balance chargeoff on my credit report when, in essence, the account was never paid late. Moreover, they have put the account {$280.00} over my initial credit limit of {$400.00} which is lunacy. Finally, the company STILL has not made me whole after CFPB found Synchrony Bank ( the owner of my account ) /GECRB to have illegally offered credit card protection products. 

It should be noted that I currently have a TCPA complaint filed against XXXX XXXX XXXX, the current collection agency assigned to this account. This is still in litigation.
Product: Credit reporting 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. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, Addresses that need to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 
Per FCRA all information on my credit report must be accurate and consistent. I have provided a screen shot showing one of the accounts reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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: Mortgage

My mortgage was transferred to Select Portfolio on XX/XX/XXXX from XXXX XXXX XXXX. 

Before my loan was transferred, I was in an XXXX XXXX XXXX forbearance program with XXXX XXXX, that started in XX/XX/XXXX. I was in the middle of a rate modification with XXXX XXXX and had no negative credit reporting from them during the whole pandemic as I was protected through that forbearance. Select Portfolio did not honor that protection when they recieved my loan and on XX/XX/XXXX reported my account status as XXXX delinquent. Obviously it is an error on there part, but when I called in to get it resolved, I got conflicting answers from every person I spoke to and nothing made any sense. 

Select Portfolio have SEVERAL correspondences in their possession that XXXX XXXX sent to me in XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that I was in an active forbearance and that I was protected from negative credit reporting yet they still reported my loan late during 180 days of that SAME period. When I ask each agent who's names were XXXX, XXXX and XXXX who I spoke to on XX/XX/XXXX and XXXX who I spoke to on XX/XX/XXXX and then again on XX/XX/XXXX, where the 180 days come from?, I got varying answers and varying excuses that didn't answer the question. XXXX who is a supervisor, aknowledge that Select Portfolio had those documents showing that I was in an active forbearance during the period Select Portfolio reported me as delinquent and said that she herself would esculate the issue but in all of Select Porfolio 's esculated responses to my complaint, they chose to ignore my issue and gave me a word salad of tangent facts. 

Please see corespondances to me from XXXX XXXX regarding my Covid ForbearanceXXXX dated XX/XX/XXXX telling me that the forbearance ( which I was already in ) would be extended for another month, though the end of XXXX. Please see another correspondance from XXXX XXXX on XX/XX/XXXX, telling me that my forbearance would be ending at the end of that month and that I need to call them to be place in loss mitigation which WOULD CONTINUE TO PROTECT ME FROM NEGATIVE CREDIT REPORTING, in addition to protections from a other negative outcomes. Lastly, please see a correspondance from XXXX XXXX dated XX/XX/XXXX, acknowledging that I contacted them on XX/XX/XXXX which resulted in my account being placed in a loss mitigation program and that no other documentation was needed. 

I am not sure why Select Portfolio just wont fix their error intead of giving me the run around when I call them and instead of replying to my complaint in writing with so much information THAT DON'T ADDRESS THE ISSUE OF THEM REPORTING ME 180 DAYS LATE WHILE I WAS IN A PROTECTED FORBEARANCE PROGRAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to these three companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. I called TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report. 

XX/XX/2019 XXXX XXXX XXXX XXXX Tx XXXX XX/XX/2019 XXXX XXXX XXXX XXXX , NC XXXX XX/XX/2019 XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have received correspondence from XXXX XXXX XXXX XXXX that I owed a former landlord for unpaid rent. The amount was claimed to be from a residency that ended in XXXX, XXXX. I had sued the former landlord in XXXX for negligence that occurred during that tenancy. This case was settled in mid XXXX and I recovered the settlement from the former landlord. The former landlord, in addition to paying me, also signed a mutual release of liability. I continued to receive correspondence concerning a now non-existent debt. XXXX XXXX never confirmed the validity of the claimed debt and has continuously and intentionally inflicted serious and grievous damage to my credit thereby damaging my ability to secure credit and causing me to pay dramatically increased interest rates for the credit I did receive. All of the actions and failures of XXXX XXXX are direct and unambiguous violations of the Federal Debt Collection Practices Act.
Product: Credit card or prepaid card

I paid an annual fee in full of {$450.00} and the company decided to close my account during the year. Nowhere in the card member agreement does it state that I am not entitled to a pro-rated refund of the annual fee. The company needs to refund partially my annual fee payment. When you pay for an annual service and the company stops providing the service during the year, it is not right ( and arguably not legal ) to keep the entire fee.
Product: Debt collection

I received a letter from Rauch-Milliken International . INC. dated XX/XX/XXXX, on XX/XX/XXXX, stating that I owe XXXX from a " XXXX XXXX XXXX XXXX XXXX '', from XXXX XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX was reporting late payments on an account that was in forbearance when I requested a dispute ; my balance now shows over a 50 % increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of  XXXX and XXXXXXXX XXXX failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All XXXX major Credit agencies : XXXX, XXXX of XXXX XXXX and XXXX XXXX Exquifax -XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am an ongoing victim of Identity Theft, first affected in XXXX. My personal information has been compromised since, and I have filed all the required reports and notifications with the police and credit reporting agencies. In XX/XX/XXXX, a fraudulent XXXX XXXX XXXX credit card totaling {$19000.00} was reported as delinquent to my credit files. I immediately contacted XXXX, and shared that the account was unauthorized and identity theft. XXXX said they would investigate and I would receive mail notifying me of the results. In XX/XX/XXXX, after not receiving any correspondences, I called again and sent a formal dispute letter to XXXX. I then contacted the credit bureaus, Equifax, XXXX, and XXXX, disputing the account 's validity. XXXX and Equifax responded that XXXX verified the account as mine, while XXXX responded the account was unverifiable and removed it from my report immediately. Since, I have gone back and forth with XXXX, XXXX and Equifax about this fraudulent/identity theft account without any just resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
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