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

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. 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 repeated 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX
Product: Credit reporting or other personal consumer reports

This account as fraudulent. They was opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 
I strongly believe there is an error in the reporting of this late payments, as I have consistently made timely payments for the mentioned account. I also called the banks and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 
This account is reporting to my credit and I do not recognize them. Beyond this facts I do not have any other information. Account : XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year>
Product: Vehicle loan or lease

Kia Motor Finance presented our check for {$12000.00} on XX/XX/XXXX - full settlement of the lease pay-off amount. We still haven't received the title. I have repeatedly called, contacted them via their secure messaging system and still haven't seen the title. Or a bill of sale showing the amount paid and itemising the tax.
Product: Mortgage

We believe that we were tricked into obtaining a Chase mortgage to purchase our home in XX/XX/ XXXX Chase advertised a " 21-day Closing Guarantee '' on its website promising to pay new home buyers {$20000.00} if closing does not occur within three weeks of the mortgage application. We completed our application on XX/XX/. They sent us a rejection letter claiming we closed 18 days after XX/XX/XXXX but we closed 26 days ( XX/XX/XXXX ) and that they needed 3 days after a Chase approved inspection. Our home inspection was on XX/XX/XXXX ( 25 days before we closed ). We were never asked about an inspection or notified if our inspection was " approved or not approved ''. The two excuses are inaccurate and not correct. They have given us about 5 different excuses now through emails and through our rejection letter that are all Chases fault. They are lying and not being honest. We have all the emails and documentation to prove that it was Chase 's fault for our delay in not closing within 21 days. We believe they are falsely advertising this guarantee. I would be very curious if Chase has even paid anyone for the " Closing guarantee ''. Chase has made up a lot of excuses as to why they won't pay us.

We had a lawyer send a demand letter and Chase sent a rejection letter to us, which is how we found out the information above. The two excuses in our rejection letter were false and not accurate. Chase is refusing to pay.
Product: Debt collection

IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.
Product: Mortgage

PREDATORY LENDING VIOLATION TO THE ELDERLY VIA TELEMARKETING. CT HAS A PREDATORY LENDING LAW THAT WAS TOTALLY IGNORED BY THE  TELEMARKETERS : XXXX XXXX & XXXX XXXX. I KEEP ASKING WELLS FARGO FOR THE TRANSCRIPT FROM THE TELEMARKETERS 7 MANY, MANY OTHER QUESTIONS THAT THEY REFUSE TO ANSWER. MY PARENTS HOME WAS QUIT CLAIMED TO ME & IS WHERE I RESIDE AND HAVE RESIDED OFF & ON SINCE 1957. IN CT WHEN PEOPLE MY PARENT 'S AGE APPLY FOR A REVERSE MTG. THE REVERSE CO. WILL NOT COMPLY UNLESS AN ATTY REPRESENT THE BORROWERS. THEY UNDERSTAND THE CONSEQUENCES OF TRYING TO SCAM THE ELDERLY. WHY DIDN'T XXXX A.K.A. WELLS FARGO OFFER MY PARENTS AN ATTY? LOOKING AT MY MOTHERS ' SIGNATURE IT IS WEAK & XXXX A SIGN OF XXXX. MY FATHER PRINTED HIS NAME WHERE IT STATES TO SIGN & SIGN WHERE IT STATES TO PRINT. XXXX A.K.A. WELLS FARGO TOOK ADVANTAGE OF A CONFUSED ELDERLY COUPLE & THAT IS A VIOLATION OF CT PREDATORY LENDING.
Product: Credit reporting or other personal consumer reports

Asked Bank of America for copies of credit applications used under my credit information.its unheard off that I would have to wait weeks or longer to act on the information, worse yet I have complete the forms certify them and mail back .Perhaps months for a resolution.This very time sensitive and involved Identity theft.As a matter of sensitive financial information Bank of America would do all this electronically almost instantly
Product: Debt collection

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Product: Credit card or prepaid card

I bought a XXXX XXXX XXXX  which I funded with {$400.00}. 
I waited the suggested 24hs but I could never use it. Both Vanilla and XXXX websites state the card has an error. 
I tried contacting customer support, who stated the card is invalid and hanged up the phone more than once ( after spending +30min to be answered ). 
I am attaching the actual card and the receipt that states the amount I funded. 
I also found online several people aare having the same problem, which I also attach. 
I am also showing the only email I could find on the internet is not operating either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Product: Credit card

An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a breach of security at Equifax with my personal information made vulnerable along with 140 million other individuals, and per their report on their website, my information is at risk. This places me under duress that my information can be stolen and my identity stolen, which can lead to significant impact on my life and my family 's lives in the future if it is stolen. This company did not have proper protection in place as evidenced by the significant amount of impacted individuals.
I have already placed a 90 day free fraud alert on my file. I also have obtained my free annual credit report from XXXX and XXXX. I have been unable to obtain my credit report from XXXX for some unspecified reason per the website. I have sent a written request for my credit report from them today XXXX. 
Equifax has not contacted me that my information is at risk, I had to find out on my own and check their website to discover this. 
I believe that one year of credit monitoring and fraud protection is not sufficient protection for the amount of people affected by this attack, nor is the punishment of the company reflective of the significance of this attack. In addition, signing up for their protection for one year voids our ability to pursue legal recourse in the future if our information is used past the year of protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Portal XXXX Re : XXXX My dispute was sent thru CFPB Portal and was received by TransUnion credit bureau XX/XX/XXXX with an interim response on XX/XX/XXXX. 

On XX/XX/XXXX they responded with a response and closed investigation. 

This delayed response, 41 days, that is beyond the FCRA required 30 day of Due Process requires the CRA to remove requested data from my Credit Report. 

I now request a new copy of my credit report with deletions and updates. 




I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this incorrect information be removed from my credit report. 

Please provide my NEW corrected report with the required deletion this week.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXXXXXX  XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My paypal account has been frozen with money in my account. I have been accused of money laundering.
Product: Debt collection

I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau have about 4 hard inquiries and about 15 soft besides anything from first XXXX XXXX witch is my doing but all others listed that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my ssc inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Product: Credit card or prepaid card

I took a {$12000.00} balance transfer last XX/XX/2018. The company erroneously paid off the balance the following month. After checking with them and complaining, they reversed the payoff but failed to tell me that the promotional interest rate- which I had paid a 5 % fee to receive, wasn't valid anymore. I continued to make minimum monthly payments ( as I was told to ) assuming the promotional interest rate was in effect. When I called today to check on when the rate expired, I was told it was never valid after the transfer was re-established. I feel the company was deceptive in telling me things had been corrected last XXXX when they had not. I called today and after 30 minutes on the phone with a rep I was told I had no recourse, wouldn't be refunded either my fee or the upfront advance fee and that this was all my fault. 
Interestingly, the CSR I spoke with told me I had no complaint recourse other than to lodge an internal complaint with Citibank or the XXXX.
Product: Mortgage

It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inqueires received by XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18
Product: Mortgage

My loan was sold to loan care from XXXX XXXX XXXX and I yet to receive a letter from them with my new account even though XXXX told me the sale is effective XX/XX/XXXX. By law I am supposed to receive a letter 15 days or greater. Today is XX/XX/XXXX.
Product: Checking or savings account

on friday of XX/XX/XXXX i went to bank of amarica to withdraw funds from my account and they stated i couldn't get my funds because of the it being closed i called the bank and customer service number and ask what and why my bank was closing they stated there was no reason why and that bank of amarica was just going to close it i said ok but can i get my funds and they satated no i wasn't able to get my funds out my account then i called back on monday and they stated that they were still going to hold my funds until further notice and didn't give a reason why behind it ... its been 2 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.