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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 consumer safety.
Product: Debt collection

TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.
Product: Credit reporting or other personal consumer reports

Please DELETE the listed unauthorized Inquiries below. I already included them in my previous letters request to remove these inquiries, however until now they still reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to open a chase bank account and its staying one is already opened under my name and information. Ive never opened or have consent for one to be open
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite frequently using Zelle and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a thorough investigation of my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022
Product: Debt collection

I have tried and tried to figure out how to handle this. XXXX told me that they do not sell any of my information, yet if that was true then how did a debt collection agency get my information? Also I have not received any documentation other than it being on my credit report about this collection. XXXX is an insurance company. I believed that since this is not a contract and it is a month to month payment that it would not go against my credit report and not to be sold off as a debt. This is completely unfair. My family only has my husband as the provider due to lack of child care since the coronavirus. Please help me I understand we are a low income family but I need my credit please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a collection account on my Equifax credit report for XXXX XXXX XXXX in the amount of {$220.00}. This is not my account and is id theft. This collection account was already removed from my XXXX credit report. I have disputed this item several times with the credit bureau and the creditor.
Product: Credit reporting or other personal consumer reports

XXXX/CREDITFRESH {$0.00} Charged Off reported on my XXXX credit report. 
The partial account number reported to the credit bureau is XXXX Recently, I took a look at my credit report and was taken aback by the numerous inaccuracies found on the account. These inaccuracies are negatively impacting my ability to secure credit. From what I understand, XXXX is willing to conduct an investigation into this account in order to rectify any errors.
Product: Money transfer, virtual currency, or money service

Paypal has decided to penalize my small business by enforcing a unlawful wage cap on my earnings. My company has just started to take off financially after many years of struggling. My business model underwent some changes that resulted in a minor success. When I began to earn over XXXX a month they decided to enforce a ceiling cap and now skim my earnings and hold them for 21 days. This has stopped all growth as I am unwilling to give paypal my hard earned money for 21 days. I have spoken to them and they are unwilling to fix this. I am hoping the government will get involved and help me.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed.

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. 


Equifax 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! 


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

summited a dispute to TransUnion and the replyed that the letters didn't come from me and refuse to correct the errors on my credit report
Product: Debt collection

There is a collection account listed on my credit file from an apartment complex. At no time did they ever notify me of this debt. I demaned proof as per the STATE OF FLORIDA landlord tenant law they had to send me information within 30 days the move out date. I did send them a certified letter letting them know they were out of compliance and that this should not have hit my credit report and they are still reporting the debt which is a clear violation and I want this removed from my credit file ASAP! I do not care about the deposit I just want this off my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.
Product: Credit card or prepaid card

I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it. 

I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the

Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused. 

My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank consistently failed to close my account when I asked them to so they could continue collecting fees for low balance. 

This will be the second complaint I've filed against them because they've also consistently failed to contact and follow up with me about this issue.
Product: Checking or savings account

Complaint number : XXXX was filed. I have contacted Key bank again and was told that I could not talk to them, as I filed a report with cfpb. 
I was told I would get a response in writing within 60 days. 
I received a generic letter again today stating that the charge has been deemed correct. 
I have asked for the phone number of the XXXX XXXX and the account number which Key Bank is stating is valid. I have XXXX account with XXXX XXXX, I have contacted them and the amount that was debited from my account does not show on my XXXX XXXX account. XXXX XXXX tells me that they don't show any other accounts with my or my husbands social security number. I have stated this to Key bank multiple times. XXXX XXXX asked me to get the account number or reference number that was used in the fraudulent transaction. Without that information I am no going to get any information, other than the fact that the amount was not credited to my account. 
Not ONCE has Key Bank called me to discuss this issue! Not once have I received a phone call back when I do call! 
What are my options at this point, as Key Bank will not answer my questions and tells me that that information is " in the back office '' and not available to them or me. 
I find it hard to believe that a company can debit my checking account and I do not have any recourse to discuss with the company that debited my account. If Key Bank has truly investigated, they must have an account number or a reference number as well as a phone number. 
Where do I go from here? Should I hire a lawyer to move forward! I am out over {$3200.00} not including the multiple bounce check fees! 
I would appreciate a phone call from someone! This has been going on since the end of XX/XX/year>, it is now 3 months and still I have not had a call to discuss, no questions nothing!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report. The credit report showed XXXX - credit inquiry by several companies DATED XX/XX/XXXX - XX/XX/XXXX, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
: Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In XXXX my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen Conn account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to XXXX XXXX XXXX XXXX and XXXX and directly to Conn. i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX police. Conn has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

Conn has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. Conn is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). Conn also has a duty to correct and update information being reported that is inaccurate. 

Not only has Conn ignored the Identity theft dispute that XXXX, XXXX and XXXX forwarded to them which is a violation of the FCRA, also Conn has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY CONN. Conn has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from Conn.
Product: Credit reporting or other personal consumer reports

Information missing from my XXXX  lease section on my Equifax credit report. XXXX has reported it to all 3 credit reporting companies but Equluifax has not added all the information given to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX -- I have 2 accounts with XXXX XXXX for leases on 2 XXXX XXXX XXXX cars bought at the same time. Account numbers are almost the same but last 2 numbers ending in XXXX and XXXX. XXXX XXXX started mis applying my payments and putting both payments on the XXXX account in XXXX XXXX. 
2. I would have to return their calls about a missed payment and wait on phone for 30min to 45 min each time and frequently have to call back because they had a rule that if phone conversation took longer than 3 minutes they would drop the call. I did not find this out til XX/XX/XXXX by a customer service representative at XXXX. 
3. XXXX XXXX did not take responsibility til I spoke with a supervisor XX/XX/XXXX who directed me to send in the notarized letter attached. She said they were mis applying payments to the wrong account and she would have this corrected. 
4. I have an attachment of the corrected file from XXXX of the mis applied payments but they made it so my payments were late. They have dings on my credit file for XXXX and XXXX on both vehicles. I have never been late for any payments ever with any company. Feel free to check my credit file. I have called and ask them to fix this several times without any results. 
5. I attached and included my bank statements of check payments and also the on line payments they made me do because they kept calling and harassing me that my payments were late on the XXXX account. They had both of my payments on the XXXX account. 
6. This is not the only problems I had with XXXX XXXX. I almost did not get to move from XXXX to XXXX because XXXX would not give me the paperwork to transport my vehicles to XXXX. They would be nice on the phone and say they were sending but they would never send. It took me 6 months to get the transfer paperwork for the dock. 
So many phone calls and so much of my time. 
7. Once I was in XXXX XXXX XXXX then claimed they did not approve to send my vehicles to XXXX  and would not release the information to the DMV for me to register my cars. So many phone calls and so much of my time. I now have the paperwork and my cars are registered. 
8. It has been a nightmare working with this company. It seems like it is costumer support issue and mis management of policies from the top. The company has a process in place to make you get completely exhausted calling and waiting to ask the same questions. 
9. I can not get a home loan because of these XXXX and XXXX dings on my credit for this lease. These are the only things wrong on my file and the mortgage company is saying to fix this and they will give me my home loan. 
10. I hope by reporting XXXX XXXX does not make my problems worse because this seems to be their process. If you call and complain about anything, they just make your issues worse. My guess would be that the nice people on the phone are hiding their mistakes because the upper management are firing staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that XXXX XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Checking or savings account

Funds were withheld from my account without my authorization. I received a check but this did not begin to covered my reimbursement so I faxed a mediation request form on XX/XX/23 tracking number XXXX with confirmation of receipt. I was told by Wells Fargo that a case rep would be in touch within a week. I have heard nothing from a case representative and Wells Fargo is dragging their feet on reimbursement of funds they illegally withheld from me. I am a retired XXXX  XXXX with XXXX and need your help to get this process started
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/2023. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.