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 CFPBs findings indicate that Zelle has not only neglected to protect its 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: Checking or savings account

On XX/XX/2022 my debit card was stolen from me while shopping at XXXX XXXX That card was used 12 different times on XX/XX/XXXX and XX/XX/XXXX subsequent to its theft. All 12 charges occurred in businesses that I never frequent. There was even one  withdrawal of {$500.00} from a branch of the bank that issued my card albeit that branch is 75 miles from my home. Ten of the twelve charges/withdrawals occurred 75-80 miles from where I live. Four of the twelve charges/withdrawals far exceeded the amount that I typically charge or withdraw. This was all done despite the fact that my PIN is committed to memory. It is not written down anywhere, and no one else knows it. Despite all this, I did not receive a fraud alert from my bank until XXXX declined a XXXX attempted charge on XX/XX/XXXX. After making numerous calls to the XXXX XXXX phone number and receiving no satisfaction, I went in to my local branch and filed a claim for all XXXX charges which totaled {$3100.00}. On XX/XX/XXXX, I received a {$2100.00} debit card claim credit via automatic deposit into my checking account which is & XXXX short of my claim. Ive spoken to customer service representatives minimally four different times asking for an explanation of the shortage. Each time I have been promised that the reviewer of my case would call with an explanation. Ive been given a time frame for the promised return call anywhere from one to three days subsequent to my call. To date, I have not received that return call. Please help me. I am a 35 year  plus customer of this bank, and they have responded to me with disinterest at best and with disdain at worst. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX  XXXX {$7900.00}
Product: Money transfer, virtual currency, or money service

I was scammed in a XXXX transfer on XX/XX/2017. Details can be found in this XXXX XXXX XXXX article. The bank had the nerve to say in their statement that they would finally reimburse my stolen money, but they have not. My name is XXXX XXXX, and the details of my ordeal are in this article. Feel free to verify with me on XXXX @ XXXX https : XXXX
Product: Credit card

I opened a Apple card account in XX/XX/XXXX with a credit limit of XXXX USD In XX/XX/XXXX I spent XXXX USD using this Apple Cards Credit. 
I made payments of XXXX USD on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. 
The Items that I purchased for XXXX that I initially used this card credit was returned to the Apple card by the merchant because I did not keep the products. 
These payment caused my credit card to become have a XXXX USD credit available plus XXXX over within the account. 
I was then notified that credit limit was increased to XXXX USD without applying or agreeing to it. 
I contacted the Apple Card Specialist to decrease the credit balance back to XXXX USD because I have spent XXXX USD and was charged interest of 24.24 % APR on that amount. 
They said that they could decrease the balance to XXXX USD but I would still owe XXXX USD and that I would continue to be charged interest on the XXXX that I paid to the account that was not borrowed as credit. I disagree that I should be paying interest on that money that XXXX USD and consider that it should be treated or seen if anything as more more of an investment because I am sure that they since used it for investing.I also did not agree to any terms for a percentage of what i would receive for them having possession of this XXXX USD that was in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete
Product: Money transfer, virtual currency, or money service

The company has did nothing to help place the transfer on hold. 

The company has did nothing to report the profile. 

The person has a waiting period to withdrawal and PayPal could hold or stop the transaction but will not. 

Company PayPal Amount XXXX dollars Transaction id XXXX
Product: Debt collection

Account in collections : Source Recvb XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Debt collection

A company named XXXX XXXX XXXX, XXXX sent a fraudulent debt to a collection agency, Wakefield & Associates to collect from me. When I reached out to W & A they stated the debt initiated from XXXX XXXX  XXXX in XXXX, FL. When I called the hospital they stated I had no outstanding debt with them and they do not and have never used XXXX XXXX XXXX. I spoke with XXXX @ XXXX XXXX  XXXX billing department ; their number is XXXX ext XXXX. W & A is still trying to collect a fraudulent debt from me. When I first received the collection I contacted W & A asking for proof. What I received was a unprofessional & clearly made up invoice from XXXX XXXX XXXX. I am attaching the correspondence I received from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK US/TARGET CREDIT. HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NO MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX Bank XXXX XXXX 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 a account without my written instructions
Product: Credit reporting

I attempted to view my credit report for the first time and entered my information to receive my report from all XXXX, Experian, and XXXX and in each case, they were unable to process my request because the information I entered does not match the information that the credit bureaus have for me. I know my information is completely correct as it has never changed and I ca n't view my report to see if something is wrong because my information with the credit bureaus is incorrect. I have only had one address, I have no debt or assets, have never taken out a loan or used or gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been a victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

An adversary can sign up to experian with my SSN and birthdate and de-facto take over my account on the website, since their new registration will supersede my old one. Security researchers like XXXX on security have discussed this for years and Experian has done nothing to address it.
Product: Checking or savings account

Chase put XXXX checks on freeze for XXXX XXXX sessions. They were child support payments. She lives at the address on me account with me, we have XXXX kids together, we are married by common law. We verified our identities in person. Multiple times. Changed phone plans to verify her identity through their verification system and risk tool I feel weve tried XXXX XXXX the checks total to {$2100.00}
Product: Debt collection

On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.
Product: Credit reporting or other personal consumer reports

DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. 
Effective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. 
This freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. 
Attached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within XXXX ( XXXX ) business day if the request is submitted online or by phone, and within XXXX ( XXXX ) business days if submitted by mail. 

Please provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. 

This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : XXXX. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. 

XXXX. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA XXXX to permanently remove such items. 

XXXX. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules XXXX 

XXXX. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Transunion immediately remove XXXX XXXX from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to XXXX XXXX.
Product: Credit card or prepaid card

To Whom It May Concern : I have an American Express XXXX Honors card. One of the primary reasons for paying the $ XXXX  yearly fee was that they offer a complementary hotel room certificate after charging $ XXXX to the card. This certificate is impossible to actually use. I would like CFPB to force AMEX to honor the cardholder agreement and force AMEX to honor the agreement as it pertains to this matter. Thank you.
Product: Debt collection

On XXXX/XXXX/16 I received a " Collection Notice '' from Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owe an unpaid debt of {$490.00} to XXXX XXXX Bank. I have mailed a letter dated XXXX/XXXX/16 to this company, and to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, stating that this is a fraudulent claim in that I never had any account or financial relationship with XXXX XXXX and owe no such debt. I also never received anything from XXXX XXXX or previously from this collection agency regarding any alleged debt, and the Collection Notice provided no mechanism for refusing the claim.
Product: Mortgage

On   XXXX   XXXX   we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the  other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On   XXXX   XXXX  , we made our scheduled payment  Ocwen in the  amount of {$1600.00}. On   XXXX   XXXX   we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with  Ocwen  and explained the situation. We were told that we would need to file a complaint to the  Research Departm ent. On   XXXX   XXXX  , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On   XXXX   XXXX   we received another call from  Ocwen and s aid we needed to make the   XXXX   XXXX   payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On   XXXX   XXXX  , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to  Ocwen in  late  XXXX  or early   XXXX   as  Ocwen had  stated. They said they would do a  3-w  ay  call with  Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late.  Ocwen wo uld not discuss anything with the bank  (   XXXX   XXXX  with  XXXX   ).  During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On   XXXX   XXXX   we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on   XXXX     to  Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on   XXXX   XXXX   was successfully processed but  the two most  recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of  Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.
Product: Bank account or service

I was an account holder at Chase Bank in XXXX. WA. I went to an ATM and saw I had about {$240.00} extra in my account. I thought it was strange so I immediately went into the bank to consult with the teller who was also a branch manager. I told her that I thought there wasnt money in my account, but it was a possibilty as i had just gotten a large deposit and wasnt sure if I had miscalculated my account. I explained this to her and she repeatedly told me that all my payments went through and this was my left over available balance. She then proceeded to list all of my transactions to make sure we werent missing anything. After I was sure we had went through all of them, I said I might as well withdraw the money. I withdrew around {$240.00} in cash and proceeded about my day. About 2 weeks later, I get a notification my account was around {$240.00} overdrawn and my account was being closed. I called immediately with little to no help. I went to another branch and the branch manager from another branch said he would give me a call to clear the air and get this resolved. Here we are about 6 months later, no phone call. I believe it is Chase Banks responsibility to notify and explain all account over drawn info. Also the fact that I was in the bank when i withdrew this money and was repeated told by the branch manager that I was in the clear and I was more than okay to withdraw this money.
Product: Student loan

I applied for XXXX XXXX XXXX  XXXX  loan forgiveness ( XXXX ) and was approved on XX/XX/XXXX ( Nelnet informed XXXX on XX/XX/XXXX ). This letter is to request the expediting of the {$41000.00} federal XXXX  loan forgiveness due to a XXXX resulting from a work injury while in the performance of my Veterans Affairs position. XXXX states they have no record of the XXXX  discharge approval from Nelnet. This is preventing me from qualifying for a mortgage. I was scheduled to close on on XX/XX/XXXX, but my bank stated XXXX said they have no record of discharge from Nelnet during their credit check. XXXX also refused to call Nelnet with me on XX/XX/XXXX to help resolve/request Nelnet to resend since it had only been 109 days ( and apparently by law Nelnet can't resend a request until 150 days lapse unless XXXX allows them to ). On XX/XX/XXXX I was able to call with XXXXNelnet to XXXX and received permission for Nelnet to resend discharge request to XXXX. However, this process will take 30-60 days, and I will lose the home I'm supposed to but since the mortgage lender needs to show the discharge on the credit check this week to qualify for my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported and disputed the XXXX XXXX  account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XXXX 2018. However still reporting late payments. It will come off for a few months then come back on.