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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX 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

I have a Bluebird- American Express prepaid debt card and account. I do not have the card ending in XXXX that is associated with my account. Ive since changed my phone number and moved back to XXXX XXXX since using this card. Ive tried reaching out to customer service to replace the card but they instead updated my account information twice and on 3 occasions told me they could not process a replacement and they keep unlocking and locking my account I am getting the emails through my email XXXX. I do have the first and original card associated with this account but that is not enough for them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, i send in my request to the three credit bureau to have some of my stuffs on my credit report removed. i send my request XX/XX/2023 but these date i havent recieve anything. Most of the informations on the reports are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX/ {$18000.00} / XX/XX/2022
Product: Mortgage

My wife and I have been trying continuously to get something resolved to have our mortgage payments to be accepted or reinstated. we were told we were denied any kind of help or assistance. We were told we could appeal the decision in writing which we did and even though our financial situation has drastically improved in last few months they still are denying any assistance and will not accept any payment from us they said. Select Portfolio Services say there's nothing that can be done other than give them XXXX at once. if they would accept money then I wouldn't have to come up with so much all at once. I have asked to have the XXXX they claim I am behind on to have this det up in some type of manageable month payment along with accepting my normally monthly payment and they have denied this also. they also keep increasing our monthly payment that was supposed to be fixed rate at 4 %.
Product: Checking or savings account

Initially disputed transactions that were unauthorized after reviewing statements with Huntington Bank the beginning of XX/XX/year>. The agent I spoke with advised me that a new card was sent ( received ) and a dispute would be opened to investigate the transactions that were not authorized. Fast forward to XX/XX/year>. I received a text message from Huntington requesting that I call. An agent requested my full social security number right away which seemed odd and I disconnected the call as I was not comfortable providing my full SSN. I called back the regular number for the bank and spoke with an agent, and let them know of my concerns. The agent stated that I need to speak with COLLECTIONS?? The agent transferred me to the team, who notified me that I had an outstanding balance as the disputes transactions that were credited were reversed. I explained to the agent that I received ZERO communication of the dispute outcome AT ALL ( no letter, email, call, etc. ). I also explained to the agent that I was unable to access the mobile app. The agent re-disputed the transactions in question on Friday. Fast forward again to Monday, XX/XX/year>. Received an email from Huntington requesting that I call ( We are trying to reach you about your account ending in XXXX. Please call us at ( XXXX ) XXXX as soon as possible. ) I called as requested and an agent stated they were reaching out about an over drafted account. I explained to the agent that the balance in question was in dispute and it was disputed again on Friday. Again, I also explained that I received no communication about the disputes and inquired how Huntington placed disputed charges into collections. The agent explained that there were no notes on my account. The agent stated they would be contacting me in either XXXX or XXXX weeks and if I didn't hear anything about the dispute that I could also reach out. I also explained to all agents that I had no access to their mobile app and was finally explained today ( XX/XX/XXXX ) that there was a known issue and I would need to do a password reset on their regular website to access the mobile app. How was Huntington able to place DISPUTED charges into collections, without notifying me of their investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}.
Product: Credit reporting or other personal consumer reports

XXXX, credit reporting and experience reporting agents and TransUnion reporting agents.They are doing a scamming investigation on reports hard Inquiries Provide my personal information out to other companies, XXXX, TransUnion. XXXX XXXX They are violating federal laws with credit reporting that do not. Do their investigation on reporting like identity, XXXX and fraud? I asked him to dispute everything on my credit report. Calls, it was all fraud. Information did not have no knowledge about these accounts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I cancelled service with XXXX XXXX XXXX on XX/XX/XXXX on the basis of No Contract allowing cancellation at any time. I received a bill from XXXX  that covered the period of XX/XX/XXXX thru XX/XX/XXXX. Only 3 days not 31 days of service was actually provided. I was contacted by a collection agency ( XXXX XXXX XXXX of XXXX. TX ). I sent them a dispute letter and a check for the amount which I considered owed {$17.00} ( XX/XX/XXXX X {$180.00} = {$17.00} ) as payment in full. They never responded to this letter or cashed the check. When I followed up with the phone call to ask what the status was and why I didn't hear a follow-up to my dispute, they said that the account is cleared and I owed nothing. Several months later I received a duplicate collection notice from a second company, I.C. System, Inc of XXXX XXXX, MN dated XX/XX/XXXX. 

Following dispute an " Account Validation '' was received from IC System which said {$180.00} is still owed. Package contained a series of statements that indicates that regular full payments were always made on-time with the exception of the last bill which is in dispute. It also included a statement subsequent to this last bill that indicates that total amount was fully written off by XXXX. Accordingly validation shows nothing is currently owed and a revised statement to reflect this should be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient removed 5 accounts ( on XX/XX/2020 ) that were closed from my XXXX  credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted XXXX  and they stated that Navient requested to have them removed. I then contacted Navient and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Product: Debt collection

This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Capital One is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand. 
I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.
Product: Credit reporting or other personal consumer reports

Cease-and-Desist Letter for TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Inaccurate XXXX and FCRA Violations Dear Sir/Madam, This letter serves as a formal cease-and-desist XXXX XXXX XXXX XXXX XXXX XXXX inaccurate information on my credit report under the name XXXX XXXX. Despite active litigation filed against both of your companies ( PACER Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX  you have failed to correct inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts in question include, but are not limited to : XXXX XXXX XXXX, these accounts are and litigation. 
Your repeated violations of the FCRA are unacceptable, and your negligence continues to cause harm to my financial well-being. 
I hereby demand that you : Cease and desist from reporting any inaccurate information about these accounts on my credit report. 
Permanently remove these accounts from my credit file. 
Failure to comply with this request will result in additional legal claims, including punitive damages for willful non-compliance. 
Please confirm in writing that you have complied with my request within XXXX days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed to be pre-approved for XXXX XXXX, credit card and Citi Bank card. When I applied I was denied approval without explaination. Now I have two hardships on my credit. Not sure what credit card to apply for now to build credit.
Product: Debt collection

XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting XXXX fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account all XXXX with balances reporting on my credit. I did not authorize nor did I open these accounts.The XXXX Affirm accounts are reflecting past due balances for a total of {$1900.00} and XXXX XXXX XXXX XXXX is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with Affirm or XXXX XXXX XXXX XXXX. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three Affirm accounts as well as the XXXX XXXX XXXX XXXX account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted XXXX XXXX XXXX XXXX and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All XXXX accounts, XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account do not belong to me and should be closed and reported as fraudulent.
Product: Credit card or prepaid card

Received Statement XX/XX/2021. Called to cancel card and was told on that day card was closed and {$59.00} subscription fee would be reversed. This fee was not credited and each month since XXXX we have incurred late fees and interest fees. We have documented numerous call to Barclays in good faith to resolve and close out card once and for all. Each time we called we were assured all fees were removed and the {$59.00} remained in dispute as the merchant refuses to respond to dispute. We have called the merchant, Frontier Airlines, and get put on hold for 120 minutes only to be disconnected each time. We did not authorize the charge and reported it to Frontier and Barclays within the required 30 days notice. We have even sent a letter to Frontier about this matter without response. We have done our due diligence and in good faith attempted multiple time to get credit. Interestingly every time we call Barclays they suddenly get " system errors '' and can not help us at this time. The agents are clearly running interference and making it impossible to obtain resolution. We are not being treated fairly and we are reaching out for assistance.
Product: Debt collection

A debt collection for XXXX XXXX XXXX with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and experian that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 an 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.
Product: Debt collection

I was sent a letter of notification that a debt of mine was being collected on in the amount of {$460.00}. I have no knowledge of this debt but have received numerous calls from Portfolio Recovery Associates , LLC.
Product: Mortgage

I was approved by the Homeowner 's Assistance Fund ( HAF ) in Florida for forward mortgage payments. I also had difficulties because of XXXX  last year and I had to put the past due at the back of my mortgage. Well HAF sent a check to Pennymac for {$18000.00} on XXXX and another payment for {$2100.00} on XXXX to cover my payment for XX/XX/XXXX. Well they received and documented the back pay of {$18000.00} but they have yet to apply the {$2100.00} payment for XXXX. I need this applied to my account ASAP. The sent me a letter indicating that my assistance was funded and over and it hasn't been because I will still receive 10 monthly mortgage payments of {$2100.00}. 

Also in XXXX, we were severely ill with XXXX. XXXX put me in a forbearance and assured me that they would take the late payment for XX/XX/XXXX and report it as NOT late. I have been on the phone continuously with them to rectify the situation and it still is showing late on my credit reports for XX/XX/XXXX.
Product: Checking or savings account

Someone opened a Wells Fargo account around the XXXX XXXX, CA area and attempted to deposit two counterfeit checks totalling to be {$57000.00} USD - one check was deposited XX/XX/2023 and the other was XX/XX/2023. This account, along with the XXXX XXXX XXXX XXXX account and XXXX XXXX account ( complaint filed ) all have some connection to XXXX, CA. The Wells Fargo representative with whom I spoke ( XXXX XXXX XXXX confirmed that the person who opened the account also has a fake ID with my name and birthday, so they are using that ( along with my social security ) to open up these accounts. 

The only email address that they had on file was " XXXX '' - I have been in touch with XXXX XXXX about the situation and filed a police report with the XXXX Police Department as well. I have also frozen my credit with all three bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my Experian credit report that I did not authorize. I've sent letters and called this bureau to inform them that these inquires were not made by me but they are still on my credit report. The inquires are as follows : Experian Business Cred Experian Business Cred XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out an Investigation Request Letter to Experian by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named : XXXX XXXX XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted. 
I was never provided any original documentation nor a response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed numerous disputes with XXXX in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and Experian both removed items. XXXX removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your files contain 's inaccurate information as a result of fraud. 

Tenant-Screening checks when XXXX XXXX XXXX uses the services of a third-party background screening company. 

Filing complaint against both XXXX XXXX and background screening companies for alleged violations of the FCRA. XXXX XXXX didnt handle Tenant-Screening reports carefully that is derived from a credit report. 

XXXX and XXXX do not have access to reliable information. 

Personal Information : Intentionally mismatch the Applicants common court history. 

XXXX and XXXX dismissed the Applicant under the guise of allegedly Owing rent and Possession Order. 

The entries XXXX saw on the Applicants credit reports, simply confirmed their own reporting as contained in the Rental Application. 

XXXX also XXXX shares of the organization clearly abuse those theories around XX/XX/XXXX, also XX/XX/XXXX, disconnect occasions. 

Record XXXX and XXXX Status : Closed Type Description : Both Cases Appealed From Lower Courts Action Type : Nonsuit and Rule 11. Written consent of the adverse party has been given. 

Other Complaints : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Submitted dispute to Transunion. Included copy of my state issued id, copy of bank statement and copy of social security card. Transunion sent me a letter stating that they can not identify me and asked to submit information I had already sent included with my dispute. This is a stall tactic of not wanting to deal with legitimate disputes, which violates laws protecting consumers from unfair credit reporting.
Product: Credit reporting or other personal consumer reports

These inquiries have no permission by me and are unrelated to my financial activities. I request their immediate expulsion from my credit report.