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

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle was not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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

I have disputed the charge for the XXXX student loan several times, but Transunion has not been resolved the issue I have requested. 

Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 

This charged off from XXXX loan is much more than 6 years. XXXX loan has reported the wrong information to Transunion. I have requested to remove the XXXX loan from my credit reporter but they have not resolved my request. 

I also have disputed to XXXX loan company about this issue which they have reported the wrong information about my loan. XXXX XXXX XXXX reported in 2014 to Transunion and others, but other credit report agencies have removed my dispute charge. 

Charge off loan should NOT be on my credit report which has passed more than 7 years. 

For that reason, I would like to report about Trans union to correct and remove the information about my past loan.
Product: Checking or savings account

Heartland ECSI a distributor for XXXX XXXX released a deposit on XX/XX/2019 for {$130.00} to XXXX XXXX in error because the XXXX account or routing numbers matched the system as a XXXX XXXX account. I have disputed error with both banks since last week and my money has not been returned to XXXX to correct and release to me. Please contact XXXX and XXXX XXXX to straighten out situation. Thank you this is XXXX XXXX SS # XXXX email address XXXX phone number XXXX.
Product: Checking or savings account

I bank with capital one and I still havent received my direct deposit from them which I need to pay bills with
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX / XXXX XXXX XXXX Account # XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this FRAUDULENT account from my credit report immediately. 

The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX : XXXX XXXX Account # XXXX Account XXXX : XXXXXXXX XXXX, XXXX Account # XXXX
Product: Credit card or prepaid card

Want to reopen Complaint ID XXXX. 
Received a letter from Capital One stating that they were closing Dispute Case # XXXX because I had not provided the information that they had requested. The Assistant Vice President of my branch of XXXX XXXX XXXX  sent them the required information, proof that I made the payments and proof that Capital One had received the payments, but they keep insisting they have not received the required information. They have repeatedly been informed that I had made the payments via online bill pay through the bank but on XX/XX/2020, they sent a letter that asked that if I'd paid by check or money order-to send front and back copy of the canceled check. How XXXX  is this, what is their problem? 

Enough is enough, can I send you the proof so you know Capital One made a mistake. I can see that missing one payment might have been an entry error, but 2 in consecutive months is either fraud or sticky fingers as far as I'm concerned.
Product: Money transfer, virtual currency, or money service

Good morning, I will put you in situation so that you can see the seriousness of the acts of Wise US Inc. and XXXX XXXX, as well as the acts of their employees regarding this case. 

Wise XXXX XXXX closed on XX/XX/2022 my company account ( XXXX XXXX XXXX XXXX ) without any reason and left me without money to be able to eat or have accommodation while I was traveling in XXXX, XXXX. 

I had to sleep several days in the street and I could not eat on several occasions for lack of money because Wise had blocked the access to my money and they did not offer me any solution until several weeks later. 

I was able to survive thanks to my family because they sent me money and I had to ask for medical assistance for XXXX XXXX XXXX XXXX and go to the Spanish embassy in XXXX for help and support, in addition to denouncing what had happened to me. 

Today it is XX/XX/2022 and I have STILL NOT RECEIVED THE MONEY FROM MY COMPANY ACCOUNT XXXX XXXX XXXX XXXX. This money corresponds to a sum of XXXX USD ( all my life savings and all the money I HAVE ). 

I am still waiting for a TOTAL OF 31 days to receive the remaining money from my XXXX XXXX XXXX XXXX account, which Wise XXXX XXXX XXXXold me they will sent to my company account in XXXX on XX/XX/2022. 

This transfer, which Wise XXXX XXXX told me was made, was made on XX/XX/2022 to my company bank account XXXX XXXX XXXX XXXX in XXXX XXXX, but after talking for several days with XXXX XXXX, the transfer does not appear in their systems or this is what they told me. 

So I'm still waiting for 18 days to receive a transfer that Wise XXXX XXXX made to my own business XXXX XXXX account. 

I have also spoken with XXXX XXXX repeatedly by email and phone and they tell me that they have no record of this transfer in their systems and that they can not track the transfer. 

And NOW there is ANOTHER PROBLEM : Yesterday XXXX XXXX blocked and closed my company account, that same company account that was waiting for more thanXXXX days to receive the amount of XXXX USD from Wise XXXX XXXX  . 

XXXX XXXX closed my account for no apparent reason .... 

So the question here is : Where is my money then? Can you see that this is a really serious problem? 

And I want to repeat this again : who is going to pay for the damages caused to my company and person?
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

This dispute is due to XXXX  and other credit bureaus such as Experian and XXXX  using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.
Product: Checking or savings account

I started a platinum business bank account with Chase since XX/XX/2020 and use XXXX for my vendor payment all the time. 
Chase will text the verification questions before but recently I have to call every time to verify if there is a new vendor 's first ACH payment whatever the amount is. 
The worst thing is that I am not a native speaker and super busy to run a whole trucking business by myself. I have to use my business account number or debit card number on the phone before I can talk to someone. When I waited about 5-15 mints finally can talk to a living person which I will have to answer a lot questions again like name, address, business name, phone number, email address, debt card number and password, date of birth and some info related to me before like old address where I lived 15 years ago. 
Worst of all, the agent just follow the whole procedures and asked all the questions again if I have to talk to a different agent. Most time the agent will ask the same questions but someone will add some different questions as well. Some agent will say I need check something and call you back but actually they will never call you back. And some will say hold 2 mints and the phone will disconnected automatically. Even the " supervisor will do the same '' Then I will have to call again and again to verify the transaction. 
I even called one of agent who worked in a branch and asked him if there is a way I could verify myself by other way like text message or emails. I had 2 phone and 3 emails with Chase. I had XXXX account with them. 
Their system is not smart and convenient for me as a busy- XXXX XXXX speaker business lady. 
Since my vendor are all in the same industry which had the similar business name like transportation, express or trucking. The bank supposed smart enough to recognize it and let it pass. 
Chase make my life miserable to ask my to call for verify only. 
If they did not give me more option to verify in the future I believe I will have to sue them. Cuz this made me had headache and stomachache for calling 5 times and talk to 5 agent to verify the transaction. 
IT is not fair to me as a XXXX  business lady.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.
Product: Money transfer, virtual currency, or money service

PayPal is charging me for charges I did not make. Email is incorrect link to account. I Contacted the collection co and together we figured that the charge was fraudulent. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
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CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
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This clearly violates the CFPB requirement.
Product: Debt collection

i paid this debt a month ago and they refuse to remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u XXXX payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information on my personal credit report. Send disputes to verify. They per XXXX comes back verified. 
When ask XXXX to verify as per FCRA how they verified never received info. They continue to report inaccurate information. Then when called they change and re report inaccurate. Please remove this at once. Its over the time and incorrect. Remove at once. 

I have attached before and after copies of what they keep reporting inaccurate. Many months no data. No dates of last activity. Then they revise or change the info and repeat. In violation of FCRA.

The following violations are listed below : 15USC 1681 ( I ) 5 Inaccurate unverified information must be removed. Several account listed : XXXX XXXX XXXX, US Bankruptcy Court when contacted the courts they do not provide any information to either companies. When disputed, per these companies came back verified. But never sent any information as to how, whom they spoke to, the procedure used to verify and prepare this information which is all my consumer rights with the FCRA. 

I have attatched the bankruptcy listings, the mortage listings all of this inaccurate information listed greater than 69 days. Then when you dispute they relish a different way and then send you the dispute they never sent or verified. I know my rights.

There were several addresses listed on my report .I never lived. XXXX updated as former address. Please remove update my files immediately. Not 30 days or 46 days. There has been ample time to dispute and correct none of which has been done in addition to in violation.
Product: Debt collection

Fraud unauthorized charges on My credit report I need a wet signature validation of debt no bill please send within 30 days section 623 FRCA
Product: Student loan

NAVIENT SOLD MY LOAN TO A UNKNOWN THIRD PARTY XXXX WITHOUT MY CONSENT AND MADE IT HARD TO FIX THE LOAN. THERE WASNT ANY COMMUNICATION FOR YEARS.
Product: Vehicle loan or lease

Paid off loan on XX/XX/XXXX. I have not received title from the State of California. CA DMV reported to me on several occasions the Synchrony Band agreed to electronic release of title ( Paperless Title ), and that the information given does not match their record. I have been in touch with Synchrony Bank on four occasions ( XX/XX/XXXX the last ). They said they provided CA DMV the proper information, but DMV reports otherwise. I received two copies of PAPER Release, the last dated XXXX and it was released to me, XXXX XXXX XXXX as sole owner. The Primary on the account is XXXX XXXX XXXX, my mother who passed on XXXX XXXX, XXXX. But, the date of payoff was XX/XX/XXXX. I have provided this information to Synchrony Band and DMV. I have sold this vehicle, and the new owner would like the proper title, as would I. I was informed by a XXXX at Synchrony on XXXX XXXX XXXX XXXX  XXXX PST that Synchrony Band and CA DMV are and have been at odds for some length of time. I was treated rudely today by the representative at the Document Control Department, XXXX XXXX XXXX, XXXX XXXX, FL., XXXX ( XXXX XXXX, XXXX XXXX  XXXX PST ), phone # XXXX, and requested to speak to a supervisor. My number was taken and I received no call.
Product: Checking or savings account

Problem has to do with JP Morgan Chase Bank and XXXX XXXX  who are both FDIC insured institutions. 

We have a customer, XXXX XXXX Located in MA, who banks at XXXX XXXX. They pay our company via XXXX transfer for services rendered. on XX/XX/XXXX an unknown third party, committed fraud by forging my name ( XXXX XXXX XXXX XXXX XXXX ) on a document, along with an email letter, requesting our customer, XXXX XXXX XXXX change the bank location where those deposits were to be made. They requested the change go to a bank account located at Chase Bank. XXXX did not contact us to verify that the request was a valid request and through their bank, XXXX XXXX, had the funds deposited to the new account at Chase Bank beginning XX/XX/XXXX through XX/XX/XXXX. XXXX deposits in total ( that we are aware of ) for a total of {$13000.00} We were not aware this had happened. In XXXX of XXXX our accounting team began looking at why we were short funds and realized we had not received any deposits from this customer. Once we discovered we were not receiving funds we found out that there was this request, they thought we had sent to them, to redirect the deposits to Chase bank. I spoke to an employee at a local branch here in California, XXXX XXXX who said due to Privacy Policy she could not provide written confirmation that the account at Chase had no connection to our Company, XXXX XXXX, or me, XXXX XXXX, but she did see where the deposits had been made in the name of XXXX XXXX and that the account was not associated with our company or me otherwise as far as she was concerned, the account would belong to the company and she could talk to me about the account. She further advised me that since the account was not an account belonging to XXXX XXXX that our customer, XXXX XXXX, should be able to go to their bank, XXXX  XXXX, and request the funds be returned. We provided this information to XXXX and they then told us they had allegedly made that request and at that point it could take as many as 90 days to get a response back. 

First complaint - I don't believe the funds should ever have been deposited at Chase Bank because the account holder did not match the name on the deposits. Chase should have refused the transactions. 

Second complaint - If XXXX XXXX  had made the request to return the funds, as they say they have done through XXXX XXXX, why after now 240 days plus have we NOT heard anything from our customer or XXXX XXXX  on the status of the payment of those funds. XXXX  Owes us those funds and now late fees and interest as well as fees due to damages for the lack of timely payment for services rendered. We were not aware for 30 days that this request was made via email when the request should have been verified by XXXX and Chase Bank refused the deposit of the funds. XXXX XXXX we are told, is investigating and yet we have heard no updates and we are due the funds for payment of services rendered.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I Have funds in my paypal over 180 days. I tried withdrawing funds numerous times but unable to withdraw. Please release my {$12.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue.

After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that Mr. XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan Mr XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/XXXX Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX