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

I am writing to express serious concerns about Zelles handling of data security and dispute resolution processes, particularly in light of the recent CFPB lawsuit, which revealed critical shortcomings in the platform. As a frequent user of Zelle, I have reported multiple discrepancies, only to be informed by both Zelle and my financial institution that investigating these issues or tracking the transactions was not feasible.

The CFPBs findings suggest that Zelle has failed to implement adequate protections against data breaches and fraudulent activity, allowing repeat offenders to exploit systemic vulnerabilities. This negligence has not only put users financial information at risk but has also undermined trust in the platforms ability to safeguard sensitive personal data. The lack of transparency and accountability in addressing these risks raises serious concerns about Zelles commitment to consumer safety and data protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 informationisinaccurate.
Product: Debt collection

I have received calls from this number for another person. I called back and got a prompt to pay. I have no outstanding debt. I am not this person they are calling. I want this stopped., The number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you once again for the concern
Product: Money transfer, virtual currency, or money service

I am writing you to show documentation and to seek resolution for my open fraud case with Paypal and XXXX XXXX XXXX. I, myself, am a PayPal user and have had a PayPal credit line since XX/XX/XXXX. My personal account is not involved in this case. In XX/XX/XXXX, I had my credit card compromised and it was used to open up another Paypal account in XX/XX/XXXX using my name and an email address the thieves set up in my name - that is not associated to me - and made several charges. The credit card that was used has NEVER been linked or used on my personal Paypal account. On XX/XX/XXXX, I made a claim with the bank " XXXX XXXX XXXX '' and with PayPal notifying them of the false account and charges. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, that PayPal stated that all charges were valid, despite me never opening the account or purchasing anything. I was directed to contact PayPal, the merchant, to further my fraud claim. 

Since doing so, I have contacted them every 7 to 10 days for further explanations. Each phone call, I have to give the same information repeatedly only to be told a refund would be issued to me in 7 to 10 business days. 

I have 3 different case numbers associated with my case. 

- On XX/XX/XXXX, PayPal refunded 1 of the charges for {$32.00} to the credit card account. 
- They refunded another charge on XX/XX/XXXX of {$32.00}. 
- On XX/XX/XXXX they mistakenly refunded a charge back to the fake fraud account and sent the money back to me on my real PayPal account in the amount of {$32.00}. 

On XX/XX/XXXX, I received a collections notice from PayPal that the fraud account has been over drawn in the amount of {$280.00}. I wrote a letter to the collections company XXXX, stating that this account was not valid and referenced the case numbers I've been given. 

Today, I received another notice from the collections company that PayPal has said all charges are valid and the debt is owed in the new amount of {$350.00}. The fraudulent account was taken into the negative on XX/XX/XXXX, more than 4 weeks after I first notified them that the account was fraudulent on XX/XX/XXXX. 

I need another party to intervene on my behalf. The credit card company XXXX XXXX XXXX  will not help me because PayPal said the charges were valid initially. PayPal claims to have closed down the fraudulent account and did refund 3 charges, but I am still owed {$500.00} and the collection company needs to be made aware that the debit of {$350.00} is not valid and the collection efforts need to be canceled.
Product: Student loan

I am still in school earning my XXXX and Sallie Mae has told me they are deferring my loans until I finish my XXXX. However, they are still requiring that I pay the interest on the loans each month, even though I am not paying down the principal. By doing this, Sallie Mae is making more money off the loans because the interest payments will never go down until I pay the balance, but they do not ( and I can not ) require principal payments. 

Essentially, they are taking advantage of the lenders by pretending to offer a " deferment '' when in reality, they know they are just getting more time to collect the highest amount of interest from their borrowers. 

I pay over {$500.00} a month in these interest payments per month.
Product: Bank account or service

I opened a Citi Gold Checking account in XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and 1 debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within 3 statements of completing the requirements ( which would have been XXXX/XXXX/16 ). It is now XXXX/XXXX/16, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are XXXX of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX and experian are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting XXXX, XXXX and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, XXXX and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, XXXX and Experian does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. XXXX commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I am disputing an account allegedly associated with me, reported by XXXX XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, with a balance of {$8100.00}. This account is not mine, and the information being reported is inaccurate and unverifiable. 

Specifically : The account allegedly opened on XX/XX/year>. 
It was placed in collection in XX/XX/year>. 
It shows a past-due balance of {$8100.00}, with a status update in XX/XX/year>. 
I have requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). However, XXXX XXXX XXXX XXXX XXXX has failed to provide : Proof of my agreement to this debt, including my wet signature on any original documents. 
A detailed accounting of how the debt amount was calculated. 
Evidence of their authority to collect this debt, particularly as they are not licensed to collect debts in the state of Georgia. 
I verified through the NMLS Consumer Access database that XXXX XXXX XXXX XXXX XXXX does not hold a license to collect debts in Georgia, making their collection efforts unlawful under state law. 

Additionally, this account is being reported to credit bureaus, damaging my financial standing and violating my rights under the FCRA ( 15 U.S.C. 1681 ). 

I demand the immediate removal of this inaccurate account from all credit reporting agencies, cessation of collection efforts, and full compliance with the law.
Product: Credit card

CHASE FREEDOM CARDThis company took it upon themselves to change my billing from US postage to some type of online internet banking without my permission. I called and told them I did not receive a statement and they said I changed it to on line billing ... THEY ARE LIERS. They credited the fees and charged interest and said they were going to send statments as they have always did through US mail. Again they pulled the same trick and did not send me a statement and are now charging me over {$43.00} in fees. WILL NOT CORRECT THE PROBLEM. I had no other choice than to close this credit card account to avoid their scam.
Product: Debt collection

I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

In XX/XX/year>, I spoke with an employee at Forster and Garbus by the name of XXXX. I was able to work out a settlement agreement of {$690.00}, which I paid on XX/XX/XXXX. I was told that I would receive a stipulation of settlement agreement, but never received it. I called the company back in early XXXX to see why I never received the stipulation of settlement agreement or any information about receiving the settlement payment. I was told that someone would contact me, but they never did. In addition, this case is a lawsuit brought on by Forster and Garrys, which I already submitted an answer for. 

In addition, the agent XXXX, asked for my place of employment on the phone. Also, he left a voicemail message that didnt explain what company he was from and that he was a debt collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/year> XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/year> I contacted this company but they did not respond and wrote a letter again no respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Experian committed fraud on my consumer report. I did not consent, benefit, nor authorize the fraudulent account XXXX XXXX  on my consumer report. Experian continues to report the fraudulent account XXXX XXXX  on my consumer report. XX/XX/XXXX, I asked Experian to block, delete, and stop reporting the fraudulent account information but they did not block and delete the account. Experian instead said that the information/account is accurate. I then wrote Experian a letter sent via certified mail with green return receipt which Experian received on XX/XX/XXXX, demanding Experian to show me verifiable proof in form of original contract that have my signature on it for the fraudulent account or a certification from the creditor that certified the accuracy and completeness of the information they deemed was accurate. I have NOT received that requested information yet from Experian it's been thirty 30 days so the account should be deleted immediately. I also requested the description of the procedure ( s ) that was taken by Experian to determine the accuracy and completeness of the information I have NOT received that information as well. Experian do not have reasonable procedures in place that is fair to consumers to verify and assure information that they are reporting have the maximum possible accuracy that is required by Fair Credit Reporting Act. As a result of Experian decision to continue to report this fraudulent inaccurate information/account I am losing confidence in the banking system. I demand EXPERIAN DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$1700.00} As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

Without my permission, or without a permissible purpose by law, the companies listed in the attachment are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed in the attached document for review or collection.

Im requesting that all inquiries be deleted.
Product: Debt collection

I have disputed with transunion and, XXXX XXXX XXXX XXXX , also XXXX XXXX XXXX, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXothing with my signature on it I would like for the law to be put in place here.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Product: Checking or savings account

My account has been frozen 4 times due to fraud suspension, I have been charged extra fees when withdrawing monies.
Product: Credit reporting or other personal consumer reports

The date is Sunday, XX/XX/year>, the amount is {$29.00} a month charge. 
The person listed a house for rent on XXXX. They claimed to be a female with a fake female picture of somebody on XXXX. They said they were gon na run a credit report. And when I clicked on the website they sent me to it was for something like credit monitoring. It wasnt for a credit report.. They sent me their phone number to chat with them the phone number was XXXX ( XXXX ) XXXX. When I said this looks like its for a credit monitoring service and not for a credit report they would not answer or respond to that statement. 
I then began to ask them to call me and I also tried to call them. They would not answer the phone and they would not call me. When I said you must be an XXXX scammer and I said some rude things to see if I could get an unsavory response, it worked and they began to talk about my mother. I never went through with my information because I knew this must be a scam. So I didnt lose anything, but I want to stop them before they get somebody else. They probably get information through that website. I imagine they hacked it. You guys have to stop this person. 
This is the website they used XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by Transunion that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from XXXX or Transunion. If you look at my overall debt transunion has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX credit which I've never heard of and Transunion and XXXX refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.