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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights serious issues with the platform. Despite having used Zelle many times and reporting discrepancies, my financial institution, along with Zelle, failed to properly investigate my claims. I was informed that tracking these transactions was not possible and that recovering lost funds was deemed unfeasible. According to the CFPBs findings, Zelle has not only neglected to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is crazy especially after so many people complained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was paid in full and closed on XXXX. I have sent TransUnion proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from XXXX that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with TransUnion 2 times with the last being on XXXX. I have also attached proof of TransUnion ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.
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. Thr CFPBs findings indicate that Zelle not only failed to protect their consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises some serious concerns about consumer safety.
Product: Checking or savings account

In XX/XX/XXXX, I sold my home and had several XXXXXXXX XXXX XXXX XXXX dollars in cash at Wells Fargo. Somehow, in the spring of XXXX, some account manager pestered me to open up all these other accounts because I had such a significant amount of cash in the bank. One of the accounts was called " prime checking. '' I guess I needed a XXXX XXXXXXXX balance in order to have " prime checking. '' For many years I did, but then I purchased a new house in XX/XX/XXXX and used all of my cash for a downpayment ( and the mortgage is through Wells fargo ). 

XXXX is charging me {$25.00} a month in fees since XXXX because I have {$7500.00} in that account. I complained in XXXX, and I got a few months of refund ( {$75.00} ), but I want the FULL refund. My by account, an additional {$100.00} in returned fees are due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Amerisave mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXX MI, XXXX, and XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

They offer me the credit for Apple on my phone but Im always getting denied without being giving a chance because people do change. I understand that I have some delinquent stuff on my credit but its majority Student loans. If given a chance for a line of credit I will make my payment if I have to use the credit card.
Product: Debt collection

I have begun to receive harassing phone calls from Credex Debt Recovery at work and at my cell phone. They are attempting to collect for an online loan with XXXX. I made a payment arrangement with them and they have not responded. The calls need to stop! although they are currently a licensed lender in California, they are not an honest company to deal with. I tried several times to work with them to pay off the loan without ACH from my account. I get an approval, then this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Received alert of new student loan on Equifax credit report. This not a new loanm My student loans have been consolidated, so XXXX XXXX {$13000.00} XXXX XXXX {$33000.00} XXXX XXXX {$45000.00} should be listed as PAID in FULL with XXXX BALANCE. Spoke to Equifax and it has not been resolved. Spoke to Student Loans-US Department of Education spoke to XXXXXXXX XXXX XXXX XXXX who also confirmed. 

Current LoaXXXX XXXX XXXX xxxxxxxxxxxx XXXX {$48.00}, XXXX is the Student Loan XXXXXXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$13000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$33000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$45000.00} XXXX Balance, Paid in Full
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX - Inquiry dateAug XXXX, 2024 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2024 XXXX - XXXX - XXXX XXXX XXXX, 2024 XXXX-XXXX/XXXX  - Inquiry XXXX XXXX, 2024 XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

I looked at my credit back on XX/XX/year>, and noticed some things are incomplete and not accurate According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The open date on all three 3 accounts was misreported information is not accurate The last date is active, and the last payment is on those accounts.
Product: Mortgage

On XXXX of XX/XX/2019 I submitted all documents related to my medical retirement from active duty service to USAA and formally started the loan process. I asked several times that USAA review the documents to make sure that I met the requirements to use my VA benefit as income. I was given hesitant answers and weak " it should be fine '' for 32 days until the loan finally was reviewed by underwriting. At that point, I was told that my proof of income was insufficient and that I would not be approved for the loan. I contacted the VA and requested assistance. I was pointed towards the VA Lenders Handbook to get clarification on my situation. Per the VA handbook, I have met all the requirements to prove proof of income yet USAA refuses to accept them. 
I had been asking USAA consistently for an answer regarding the strength of my documents for over a month. Because of their lack of due diligence, I am about to be medically retired with 100 % permanent and total service-related XXXX and I will not have a home to go to. If a lender is going to be an approved VA lender they should follow the VA lenders handbook since the VA insures the loans. This would have been a non-issue if USAA had taken a few moments to verify that my documents did not meet their requirements so I could have taken my business to a lender that would have approved me. I no longer have enough time to complete the home buying process, I am out over a XXXX dollars from inspections and fees I can not get refunded because they failed to act as a fiduciary should. I was strung along, paid a lot of money and ultimately denied using the information they had all along. As a XXXX service member, I will say that USAA does not understand how the VA works or the military for that matter. 
Specifics : I have a 100 % VA rating based on a service-connected XXXX. I am retiring in one month and I have a completed MEB/PEB, have a VA award letter, BUPERs Retirement Orders with dates and honorable status, signed accepted MEB/PEB Findings, and a COE. The COE does not contain the amount that I will be receiving because I am still active duty. That amount can not be placed on a COE ( Per chapter four of the VA Lenders Handbook ) until I actually start receiving that benefit. In reference to the VA lender 's handbook, I highlighted the sections that I have proven to be covered by more specifically Chapter 4 pages 4-22,23,30 and 44. USAA has repeatedly stated that my award letter, signed PEB finding and retirement orders are not adequate to prove my benefit amount despite those documents explicitly stating what they are. They continue to state that if the amount is not on the COE it is no good DESPITE the handbook stating that it is- exactly in the situation that I am in. After several calls to the VA, they have no clue as to why USAA would act in this way and have asked them to call them directly which USAA has not done. 

The link for that handbook is : https : XXXX please refer to chapter four, pages 4-22, 4-23, 4-30, 4-44 of the VA Lenders handbook
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have been mislead into taking out a loan through affirm via zoom interview with pay to work scheme scaling with sales https : XXXX This is clearly a scam and have tried many times to contact affirm regarding the issue they are not following my case and giving me the same comments each time I am looking for help. The merchant is ignoring me at this time about getting my promised refund.
Product: Money transfer, virtual currency, or money service

I booked a safari to XXXX and XXXX with XXXX XXXX XXXX, a longtime well regarded XXXX safari operator. In my email with them, they instructed me to send my payment of {$12000.00} to the following - Account Name - XXXX XXXX XXXX Account Number XXXX Branch XXXX XXXX Branch Code XXXX Bank Name XXXX XXXX Code XXXX On XX/XX/XXXX I went to JPMorgan Chase in XXXX, Illinos and completed the transfer. Chase Wire Tracking number of XXXX I received an email back from XXXX on XX/XX/2019 that my payment had been received in full. 
Today I received an email from the same email address saying that they had been trying to get ahold of me and that I should contact them as soon as possible at XXXX. The email was from XXXX XXXX, the Director. She asked if I had sent the money yet to their bank in XXXX. I responded that I had sent it to XXXX XXXX as instructed. She then responded that they have no bank accounts in XXXX XXXX, only in XXXX. She believed our emails had been compromised and instructed me to contact my bank as soon as possible. They never received the money. 
Now it appears I am out {$12000.00} with no safari. 
Help! I've asked Chase to try to contact the XXXX XXXX XXXX and get my money back. The email of XXXX is XXXX and their website is XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

years ago i got an advance from this company. at that time i used an old email address XXXX. my identity was stolen, so i started using XXXX  instead. i get a lot emials about old accounts that people are trying to address to this email, so it helps me keep on top of when someone is trying to open or get into an account. Recently i had been getting a lot of email from Brigit  offering me an advance. The account was inadvertantly reopened and my bank account linked. i have been trying to tell them it was not me and asked them to close it. they refuse, saying they will close it when i repay money from an old advance. since my personal information is in here, i feel i have the righ to have this account closed. they want to keep it open so they can go in anytime and try to get money form my account. From Brigit : n Friday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX wrote : When I have the means I will but you can't force me to keep an account open that was reopened in fraud And expose me to more identity theft so I will just file a complaint with the FTC Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX XXXX - Please type your reply above this line - XXXX XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

XXXX ( Brigit ) XX/XX/XXXX, XXXX EST Hi XXXX, The XXXX XXXX Brigit account was created 7 years ago. A {$210.00} advance was requested on this manually verified Brigit account that was never repaid. 

You will need to repay this outstanding advance in order to delete the account. Please use this link to repay your {$210.00} XX/XX/XXXX advance : XXXX XXXX XXXX XXXX Best, XXXX XXXX XXXX XX/XX/XXXX, XXXX EST I don't even use XXXX mail I switched to XXXX many years ago, but I keep getting thugs happening and they are connected to this email someone else has access it's too late but XXXX won't let me shut it down. Apparently I have been getting emails to sign up for Brigit to this old XXXX email but the messages are coming to my XXXX email Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX wrote : Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX XXXX XX/XX/XXXX, XXXX EST Sent from XXXX Mail for XXXX On Friday, XX/XX/XXXX, XXXX XXXX, Brigit XXXX wrote : XXXX ( Brigit ) XX/XX/XXXX, XXXX EST Hi XXXX, Thank you for contacting Brigit. 

We've received your email but are unable to determine how we can help you. Can you please provide some more information regarding your question so we can help out? 

Best, XXXX This email is a service from Brigit. Delivered by XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to XXXX found errors on XXXX pertaining to my report that is incorrect do to the law 15U.S.C 1681. I demand to see proof and the original contract with my signature.XXXX  failed to positively verify these accounts & has hurt my ability to obtain credit.. under FCRA UNVERIFIED accounts must be REMOVED if unable to provide me a copy of verifiable proof! WITHOUT a copy of the original contract with my wet signature.
Product: Credit reporting or other personal consumer reports

On ( XXXX XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 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.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, Transunion, XXXX ) have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions from my consumer reports.
Product: Debt collection

I had a credit card of {$300.00}. I was unable to pay due to moving. Well now somehow on there I owe over {$800.00} ... on a XXXX dollar credit limit card. Absolutely wrong. And when I try to log in or find any information it says my account has been 'suspended ' so I cant even get any information. I also never got any calls or emails or letters saying they were closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed three accounts, as well as several hard inquiries, that I do not recognize. Please note that some of these accounts appear only on specific bureaus ' reports, and not all accounts show up across all three bureaus. 

I kindly request that you investigate these discrepancies and delete any of the mentioned accounts or inquiries if they are found in your bureau 's report. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 


( the hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX