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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and filing discrepancies with the company, Zelle has failed to investigate. They have informed me that recovering lost funds is near impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to remain on the app, leaving users vulnerable to scams. The lack of transparency is deeply concerning.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 Midwest Recovery Systems falsely reported to the credit bureaus that I owned {$500.00} for an unpaid balance due to a company that Ive never heard of. 

I contacted them immediately and have not been able to get in touch with them. I have attempted to reach them via fax, email and calling. No one is available. 

The company this alleged debt was acquired under is not a real company that I can find. I have searched numerous business databases and the internet for hours. 

Additionally, based on the name of this frivolous company alone, it appears to be a payday loan company. Payday loans, or cash advance company are illegal in my state of Arizona and our usury laws. Additionally, if this was a legitimate claim, it would have had interest, fees and not be an exact {$500.00}. But this is. 

This so-called debt collection company has been connected with numerous other consumer complaints, where people have reported scams and has even had their accreditation by the XXXX XXXX XXXX revoked.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion 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 generallf, 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

I am concerned there may be an account on my credit report that was not authorized by me to be obtained. The company XXXX XXXX XXXX XXXX XXXX shows an account on my credit report.. I am requesting the signed disclousure statement/contract that shows my signature as a result of this debt that could be upheld in the court of law that this debt is validated by me. If such document can not be provided, this accould should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the bureaus ( XXXX, XXXX, and Equifax ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information of accounts that's been sold therefore breaching any contract I may have with original creditor. Yet, I have no contract with any of said collection agency 's that trying to collect more than the actual debt was. I disputed these items but never received any real verification for any said debts. 

XXXX- {$98.00} XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX- {$630.00} XXXX XXXX- {$1600.00} XXXX XXXX  XXXX- {$260.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX- {$970.00} XXXX XXXX- {$630.00} XXXX XXXX XXXX- {$1000.00}
Product: Debt collection

This company ( Cavalry Portfolio Service ) reported to XXXX that I owe {$6100.00}, a credit card from XXXX, which is false, and without any validation.
Product: Mortgage

Currently have a current and paid up to date mortgage FIXED RATE MORTGAGE with Carrington Mortgage Services , LLC . Received an advertisement email dated XX/XX/2019 at XXXX Hours CDT stating " Our records show you are still carrying an adjustable-rate on your mortgage. As your mortgage servicer, we strongly encourage you to consider moving this to a fixed-rate, as it may greatly benefit you. '' I have NEVER consented to changes in my mortgage terms, and this mortgage company is stating their records indicate I have an Adjustable Rate Mortgage of which I never consented to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed information with Equifax Credit Bureau more than once. On the majority of accounts included in my chapter XXXX bankruptcy the either the date of last activity and or the last payment update keeps getting changed. The credit bureau had already fixed this at least two times. Now I can not even contact a live person & I am finding that the only way to deal with Equifax is to file a complaint. 

This is what Equifax had told me in the past. Once accounts included in bankruptcy show up on the consumer credit report, the last payment & date of last activity, need to reflect or show the same month and year of when the bankruptcy has been filed. In my specific situation the date of last activity & the last payment need to reflect XX/XX/XXXX. What is happening is that the last payment is showing up for the year XXXX. 

Equifax credit bureau needs to lock out the creditors included in chapter XXXX bankruptcy from making any further changes. A few months ago everything was completely accurate. Now with the date of last payment showing XXXX the trade lines in the report are now inaccurate. 

I am requesting that the current online dispute that I have currently open, that each account that I have being disputed, be deleted from the credit report. For having to go through this again for at least a third time, violates the FCRA, Fair Credit Reporting Act. 

Equifax, as far as I'm concerned, can make it so that all accounts included in bankruptcy, can not be updated unless disputed by the consumer them self.But this credit bureau will not take proactive action to prevent it.
Product: Credit card or prepaid card

request for an investigation into and request for the reversal of the fraudulent charge, interest fees and late fee, due to, caused by and as a result of the transaction /purchase on XX/XX/2021, posted on XX/XX/2021. Cardholders were without any knowledge of the above transaction/purchase, nor did the cardholders ever authorized XXXX ; XXXX XXXX ; nor any other merchant to process any such transaction, whether online, by telephone, in-person or in writing on above on the XX/XX/2021 date or any other date. Therefore, cardholders credit card number and information were comprised, stolen, fraudulent obtained and used illegally and unlawfully by XXXX., and others in the above fraudulent transaction/purchase. 

Cardholders tried multiple times to resolve the matter with the merchant, and others since XX/XX/2021 through XX/XX/2021, however to no avail. Cardholders tried multiple times to contact CapitalOne via telephone to dispute the charges and interest fees, however due to high call volumes, were unable to get any assistance over the telephone. Therefore, Cardholders request the names, identities, and addresses of the person or persons within the company, organization or agency, that used the credit card information and processed the fraudulent unauthorized transaction/purchase on XX/XX/2021. 

Futile efforts attempting to resolve the matter caused a loss of time and effort, resulted in the missed due date for the Capital One monthly payment for XX/XX/2021. Upon receipt by Capital One, of this formal written complaint and request, Cardholders request an immediate reversal of the XX/XX/2021, fraudulent unauthorized transaction/purchase, any and all resulting interest fees and late fee charges. Cardholders reserve the right to amend the above statements.
Product: Money transfer, virtual currency, or money service

i participated in XXXX XXXX, a program that gives people money for moving to XXXX, and they recently changed the vendor that they use to send monthly stipend ( money ) from XXXX Payment to XXXX. Every at the end of the month for the past 11 months, i have always receive my money on time, until recently and after they changed to XXXX, out of the blue XXXX raised a case where they claimed that they cant verify my identity and they demanded me for documents about myself and the bank account that i previously used to accept money. 

I replied by uploading pictures of my driver licenses, utility bill, and a statement of a new bank ( XXXX bank ) that i use, i also told them i do not have access to my previous bank account as its already closed thus i can not provide them with the statement for the old bank ( XXXX bank ) i have raised the case but the XXXX Risk Operations team seemed to be illiterate since they kept asking pictures of my driver license which i already provided, and out of the blue they asked for 3 other accounts that they never mentioned before, and worst of all, it takes 1 day for them to reply to my case and their replies are not clear at all, it is very obvious that they are wasting my time and holding my money XXXX for no good reason other than " risk ''
Product: Credit reporting or other personal consumer reports

I can access my Equifax report. When I applied for a line of credit from my credit union, XXXX XXXX, and it requested a report, the report showed my score as XXXX. It is actually above XXXX. Equifax told the lender I had no credit line. 

I spoke twice to Equifax, which told me : 1. there was no problem with my account 2. they refused to take the case no. XXXX provided me 3. they refused to escalate the problem. 

The lender told me that in extensive discussion with Equifax no explanation or resolution was provided. My application was denied, and I was forced to go to another lender with higher rates, which used XXXX XXXX 

Equifax was completely unhelpful.
Product: Credit card or prepaid card

Please see the full details of my complaint in the attached email. 

I have listed all the details of my complaint, concerns, and issues, that I would like for you to review and help me in resolving. 
I appreciate you so. 
Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove the invalid information That has been hindering my file. none of the information listed has been verified by FCRSA. this has caused major denials in my credit repair process. please review and remove all information listed to help clear my file asap.
Product: Mortgage

I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? 

Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Mortgage

XX/XX/XXXX I notified the mortgage company, after I received emails over night, that said my escrow account was negative. I found 3 property tax payments were made but none for my mortgage. This was an error of over XXXX dollars. I was assured it would be resolved and I would get a phone call no later than XXXX XXXX. I was never contacted so I followed back up online and the issue was not resolved. I have called over 5 times since then each time being told the issue will be resolved and they will contact me back. They never return my call and my property taxes have still not been paid.I have talked to the escalations department multiple times and each time they assure me they will call me back because it has to be escalated but they never do and this has been happening for over a month.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I used Zelle to transfer money before XXXX  XXXX XXXX asked is this the right person and I transferred the money to the wrong number do error and system was moving slow. I called my back right away to cancel the transaction and I was told I couldnt cancel the transaction. Then my money was sent and never returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Transunion several times to address a few accounts on my credit report. under section 1681 I am entitled to a fair investigation into accounts reporting on my credit. I have spent money that I can not afford in mailings and certified postage over the last several months and I am unhappy with the way Transunion is handling my requests. I need the CFPB to help me deliver this message. Transunion is the ONLY company reporting this information and its impossible the account would be removed for non compliance with the 2 bureaus yet verify compliance ONLY with Transunion ... Transunion never did their job and under section 611 of the FCRA I request their procedure into my file.
Product: Credit reporting or other personal consumer reports

The company sent me a 1099 form to file to the IRS due to the vehicle was sold. 
i moved. several times i have to look for the paperwork.and the vehicle in question was involved in an accident and the company wanted me to commited insurance fraud so this is a retaliation towards me.i just want it remove from all showing creditors.
Product: Credit reporting or other personal consumer reports

Greetings! 

Credit Bureaus are not doing there jobs of monitoring my report. According to the Fair Credit Reporting Act, Section 605B, it is illegal to report information on my credit report without my permission. There are multiple accounts that did not receive my permission, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Beginning XX/XX/year>, I requested verification from all companies in question. Companies have not reached out, even though I sent letters certified mail. Experian, XXXX, and XXXX have all failed to explain the methods used to verify these accounts and have not provided the correct documentation to leave report as is. I have been made to pay those in question due to negative effects happening on my credit report. I have provided copies of my license, bank statement, and bill verifying my identity. Experian has blocked me from online access and mobile calling after stating, " I could not speak with a supervisor without verifying my middle name '', after giving my social security over the line. I no longer have access to see my full report unless I pay. Credit Bureaus, specifically Experian and XXXX, only respond through consumer finance.gov. They still DO NOT prove verification. Only one item has been removed inaccurately and all other accounts in question were submitted along with it. If the Credit Bureaus are not able to confirm my permission or show me how debt was verified, then the information submitted needs to be removed.

Please remove the items that were not given my permission to report to the credit bureaus from my report. 

According to the FCRA Section 605B, it is illegal to report information on my credit report without my permission. Please remove all items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This is stopping me from getting a house and car loan I have tried several times to get it remove the company didn't find anything wrong they couldn't send any proof no just saying the account was verified 15 U.S.C 1681 there shouldn't be any damages on my report
Product: Credit reporting

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times for multiple entries on all three reporting agencies to be corrected. Not only have they not, but they now refuse to allow me access to my own files. 

I sent all three a letter through the USPS with copies of my passport ; license and passport card. They still refuse. 

Please require all three of them to immediately send me paper reports, and do whatever has to be done to allow me online access. This was in my written request, which they have ignored,
Product: Credit card

Ordered a saddle from XXXX XXXX for a trial, saddle price was {$4300.00}. Used Affirm to order the saddle for trial but it didnt fit. XXXX it the same week expecting a full refund but I was only refunded the amount minus {$300.00}. Spoke to XXXX XXXX XXXX owner and she told me that Affirm does not refund their 5.99 % interest on the loan even if the item is returned. I was Not aware of such a predatory practice or I wouldve paid another way. XXXX XXXX XXXX XXXX so bad they refunded me {$100.00} of the shipping fee. I have tried repeatedly to contact Affirm as they state I still owe them {$200.00}, which I have told them I should Not owe because the saddle was returned in a very timely manner. I told them I was not going to pay interest on an item I no longer had, and they should waive the fee. They Deny charging interest on the item, I believe they charged the seller and she had to charge me the interest because it was not returned to her. 

I have bought items through affirm before, always paid promptly and have exceptional credit rating. I feel this is a predator if not downright illegal thing to do as I was not made aware of this at time of purchase or would not have proceeded as there was a good likelihood that it would have to be sent back due to poor fit I dont want to see anyone fall prey to this deceptive practice and I dont want them damaging my credit by reporting it. I really feel this practice should be halted and my account wiped clean of interest on an item that I sent back. Please advise Found this now If you pay with Affirm and return a saddle from a trial, an additional XXXX  % ( the Affirm processing fee ) of your order total will not be refunded. Affirm no longer refunds their fees when a refund is processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX 15 USC 1681 section 602 : states I have the right to privacy.

15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXXXXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am XXXX XXXX in the United States XXXX XXXX and have been for XXXX years. I am attempting to get a home loan. My two children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family.

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, XXXX and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Product: Checking or savings account

I received an email from American Express Bluebird stating that I had violated some rule in their terms and conditions. I had or still have {$41.00} on the account and have no way of collecting it off of there. I still receive monthly statements telling me I have {$41.00} on there. There's no phone number to call and talk to a real person.