23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint regarding the unfair closure of my Zelle account and improper handling of payment disputes. As a service provider, I rely on Zelle for payments. Recently, a customer paid me for services and later fraudulently disputed the payment as unauthorized. Despite Zelle transactions being advertised as final and irreversible under their terms, my account was closed without proper investigation. 

This violates the principles of fairness and transparency and may contradict laws like the Uniform Commercial Code ( UCC ), which treats electronic funds transfers as final unless fraud by the sender is proven. The dispute process has been abused in this case, causing me financial harm and preventing me from conducting business.

I request the CFPB investigate this matter and direct Zelle ( or my bank ) to : Reopen my Zelle account.

Reinstate the disputed payment.

Strengthen safeguards against the misuse of Zelles dispute process. 
I have attached supporting documentation, including transaction records and communications. I look forward to your prompt attention to this matter.
Product: Debt collection

The company contacted me on XX/XX/XXXX with a VM telling me that I have been summons to court and legal action will be taken with a number and case number to call. I did not recognize any information that he was giving so I proceeded to call and got on the call with a representative that told me that I would be served at one of the addressed listed if I do not pay a certain amount I repeatedly inform the rep that I did not know of a XXXX XXXX, and or another name they called. The rep went on to say that they are XXXX company that is representing them I asked why I have not been served and how can I get a summons on acct information that I did not sign or authorize use. The rep kept insisting that I make monthly payments and or full settlement offers. I decided to move forward with my complaint because I felt that I was being threaten to make a payment ore I would have to go to court, I do have the conversation recorded on my phone and the voicemail that was left.
Product: Credit card

This target was opened without my knowledge I filed two disputes with XXXX and they said it was accurate which it is not I have no information to the credit card or dont know when it was opened I only seen it on my credit report spoke with someone the phone at XXXX wasnt much help at all and contacted target and they said they couldnt even find the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX my rights. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 information is accurate.
Product: Student loan

There is a considerable discrepancy - {$2000.00} to {$4000.00} - between what Navient [ the company that is now managing the loan ( but not the original loan provider ) claims I owe and what I actually owe ; I owe $ XXXX to XXXX less than they claim. Despite my repeated requests, Navient has failed to trace the source of their error, because they have only partial records of the loan history. Despite my repeated attempts, they have failed to produce the complete documentation of my loan history, nor do they have the original loan documents. Their is no record of the first repayments I made, and other payments, that are recorded, went towards repaying a lower-interest incuring loan, when a loan that was incurring higher interest had n't been completely paid off. In short, my loan has been mismanaged, either by Navient, or the company that was manahing the loan before Navient ; and they seem to have a very partial record of the loan history. I believe my outstanding student loan debt should be erased.
Product: Bank account or service

My husband and I paid off our personal line of credit with B 0f A in XX/XX/XXXX, and were told that a formal release, giving us clear title to our property would be issued in 30-90 days. The pay-off date was XX/XX/2015. Today I called regarding the document and was first told that I had to contact my County for that document. When I said I had already queried them, I was then told the paperwork had not bee processed until XX/XX/2015 and it would be another 30-90 days until B 0f A sent the paperwork to my County. When I pointed out that it had already been 30 days since their processing, I was told it could be up to another 90 days before we received the release and clear title to our property. This is not acceptable business practice, I know that B 0f A would not wait 120 days for any documents or money that was due to them.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Product: Checking or savings account

A fraudulent account was opened at Chime.com in my name, with a credit card and debit card also requested.
Product: Vehicle loan or lease

I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.
Product: Credit card or prepaid card

I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.
Product: Credit card

I have applied for scra benifits with the key provision of the state of Ohio which extends scra benifits to debt acquired during XXXX XXXX service. This caps all interest to 6 % and all over paid interest and fee shall be refunded retroactively. I was told that because my account was opened after enlisting that I do not qualify for scra. But with my home of record being ohio I qualify for the key provisions of scra for the state of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ reached out to Louisiana Recovery Services to remove an account that was included in a bankruptcy as it is being reported on my credit report incorrectly and it is causing problems with reducing my score. They will not remove the account off of my report as I do not owe Louisiana Recovery Services. XXXX XXXX was the original creditor and the account was resolved with a Bankruptcy.
Product: Student loan

After Consolidation and repayment of my loans, I still have student loans that are paid, and closed reporting on my credit file please remove as this is serious hurting my credit status, and report only accurate information, also most of these loans reporting are XXXX plus and are requires by law to be removed.
Product: Money transfer, virtual currency, or money service

They took {$100.00} dollars that was supposed to be transferred into my bank account and I never got it. Block Inc violated the CFPA when they failed to take effective reasonable and timely measures to prevent and rectify fraud on the platform leaving my account vulnerable and unprotected. The process of dispute resolution is ineffective and deceptive. They did not comply with error resolution requirements under Regulation E and EFTA. This has been inconvenient and resulted in financial loss. I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries listed on my XXXX credit from a company name Navient dated XX/XX/2020 and XX/XX/2020. Both inquiries were without my consent/permission. I had no idea. I called XXXX  and they informed there is nothing they can do about it. So apprently any company with ones information can just decide they want to be nosey and pull ones credit without consent. I also called navient and apparently they do not have a department for this issue and was told to mail them. The address I was given was a false address as well.
Product: Payday loan, title loan, or personal loan

I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.
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. 
Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

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 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. Resources
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled credit on myself I noticed a credit card acct with Chase ending on XXXX that has a balance of {$23000.00} on my credit report thus lowering my Beacon score. I am an authorized user on my Dad 's credit card acct and that is what this is, but I am not liable for this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. Experian is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and XXXX. XXXX XXXX is being reported inaccurately on all three ( Experian reporting a late payment in XXXX while XXXX and XXXX are one late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is one payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.
Product: Credit reporting

Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$3500.00} from Citi in XXXX of XXXX. I subsequently attempted to sign up to make automatic payments using my XXXX checking account. When attempting this on the Citi web site I was asked for the full number of an ATM card ending in ( 4 numbers ). I have no such ATM card. I called the Citi customer service line, held for over 30 minutes, and eventually and was told ( a ) an ATM card had been sent to me as part of my loan account and ( b ) they were unable to set up auto payments on line at the time and ( c ) no auto payments were set up at the time of my call. I don't know why an ATM card would be issued for a loan but I sat on this for a week before calling again this past weekend ( XXXX or XXXX ). This time I was told no ATM card had been issued with my loan and there was still a known problem setting up auto payments, and no auto payments had been set up on my loan. I therefore mailed a check for {$450.00}. Today I received a notice from XXXX that an automatic payment to Citibank had hit my account for {$450.00}, so apparently my attempt to set up auto pay WAS successful. This means I will have paid CitiBank {$900.00} this month, or 25 % of the total loan amount. I called Citi again this morning and was told there are autopayments set up for {$77.00}. and change. I asked to be transferred to loan servicing to have my questions answered and I was transferred to loan applications. They heard my story and transferred me back to the loan customer service department - the same department which has been giving a variety of answers for two weeks. It is my current understanding that I have minimum auto pays set up and that I can not adjust the amounts of those payments. Aside from the gross lack of training and complete inability to understand and answer specific questions about my loan from the people who eventually answer their phones, the loan is supposed to come without pre-payment penalty. That implies there are methods to pre-pay it, but I have been unable to find someone who can help me adjust my payment amounts to do so. I feel their process is unnecessarily complicated, and I have asked XXXX individuals by phone and one via social media messaging for a physical or email address to which I can address my concerns directly to CitiBank. Having failed to get a response, I am reaching out to you.
Product: Credit reporting

Trans Union properly reported a student loan with XXXX as being paid in full, closed, in good standing, with XXXX balance, only to return the account to a balance status several days later. The loan with XXXX is indeed paid in full, closed, with XXXX balance, and should be reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX )