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 recent CFPBlawsuit highlighting significant issues with the platform despite using Zelle, numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they inform me covering loss fund is impossible. And that tracking these transactions was unfeasible. The C FPB. Findings. Indicate that Zelle. Has not only neglected to protect. Consumers but allowed. Repeat offenders to exploit. The system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill in the amount of XXXX was added back onto my credit report on XX/XX/XXXX after being dropped 2 years ago. The original date of the ER bill is from before XXXX, over 7 years. 

Commonwealth Finance contacted me one time on XX/XX/XXXX, XXXX mail correspondence, and wanted me to verify my social security number. I refused, since they wouldn't tell me who the call was from and wasn't comfortable providing my information, then I hung up. The next day, XXXX alerted me to a collection on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy on my credit report needs to be removed they do not report information to any credit bureaus and I have attached a letter from the courts stating they do not report to credit agencies. The bankruptcy was also inaccurately verified the courts name is UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF CALIFORNIA the courts they have on my credit report is not the name of the courts. I have attached proof In accordance with the Fair Credit Reporting act XXXX Account 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 or other personal consumer reports

I am writing to formally demand payment for violations of the Fair Credit Reporting Act ( FCRA ) related to my consumer report. 

I noticed unverified information listed on my credit report, which has since been deleted. According to the FCRA, you are required to ensure the accuracy and integrity of the information you report. The inclusion of unverified information constitutes a clear violation of my rights under this law. 

The deletion of the erroneous information does not negate the impact it had on my credit profile and the distress caused by its presence. I expect compensation for this violation, as it undermined my financial reputation and caused potential harm to my creditworthiness. 

Please respond to this letter within 5 days with details regarding the payment I am owed. If I do not receive a satisfactory response, I will consider further action to protect my rights.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for Capital One credit company. I had a Capital One credit card which I permanently closed back in XXXX. However, CO informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted Capital One few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, Capital One refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. Capital One also refused to provide me with the account or card number. The agents and managers that I spoke to in Capital One claimed that this is their policy and regulations that they have to follow! Capital One has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to Capital One to be permanently removed from any credit report belongs to me.
Product: Money transfer, virtual currency, or money service

My computer was hacked and someone went into my XXXX and made 2 purchases that come out of my personal checking account and also went into my paypal and sent themselves XXXX also out of my personal checking account. Both XXXX and Paypal was linked to my personal checking account. Whomever done this also done 2 transactions off of one of my credit cards. XXXX is actually what alerted me by email that someone might have hacked my account and they shut down my account immediately. They stopped all purchases and automatically refunded transactions I have not been able to speak with them not once but they knew this was not me and shut it down immediately and refunded the transaction. I immediately called my personal bank because I have XXXX and Paypal charges and I disputed them and they automatically removed them because they also knew this was not me. Well immediately the morning of XX/XX/20 when I discovered this I automatically completed and unauthorized transaction with Paypal. They denied this due like transactions and stated this was not unauthorized. The person that completed this sent themselves XXXX out of my personal checking account why would paypal not wait until funds were authorized before sending money but I am guessing they did not. I was contacted on XX/XX/20 concerning negative balance because my bank returned payment and I have appealed this 3 times and they keep denying. I have all proof this was not me I can send whatever needed but when talking to someone on message center due to can not talk to anyone one by phone you ask them what they possibly will need to prove this and I am getting nowhere. I have money in savings in my paypal account and now that they have my account showing XXXX negative I can not even get that out. Which I am not to much worried about the savings I need to have this fixed on the charge for XXXX this transaction was in no way me and I need help to get this removed from account. I have attached a copy of the transaction with Paypal, the denials from Paypal, Proof from my bank, Proof from my credit card, email from XXXX alerting me of fraudulent activity and I am also attaching a letter that I sent to Paypal XX/XX/20.
Product: Checking or savings account

On XX/XX/2021 I received an email from Bank of America that my savings account was inactive and to contact them. I did on on the same day because I was concerned since the notice had my account number, but a different person 's name and address. Customer service reactivated the account, I made a transfer to the account and forwarded the letter to the abuse department since the customer service representative was concerned with the other name listed on the notice. No one contacted me after I forwarded the concerning letter. 

I have other accounts with Bank of America that are active. I logged into my account on XX/XX/2021 and the account was gone, including all bank statements. After a 2 hour phone call with customer service, I was told to " just call the state of Illinois '' because the funds were sent there. I was unable to obtain a property ID number. I did not receive a notice of this account being transferred electronically or by mail. When I search the unclaimed property site, there are no records for my name. 

Even though this account was active with my deposit on XX/XX/2021, the money was supposedly transferred to the State of Illinois at some point after XX/XX/XXXX, XXXX the last statement I reviewed ( they could not give an exact date ). I'm guessing in the name of the person who was incorrectly listed on the XX/XX/2021 letter. Now it is suddenly my problem to find the money, with no notice, no property ID number or assistance from the bank. 

Either this is a glitch in their system or they have an internal fraud problem targeting inactive accounts, but this wasn't an inactive account. I would hope they would be as concerned as I am about this, they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I noticed a charge on my credit report for {$240.00} during a potential mortgage sale so I just paid it to avoid it popping up on my credit then 2 weeks later, it popped up on my credit, from XXXX. I paid a credit repair person to remove it, and they couldnt get it done i never sighned or authorized any contract for a loan with XXXX. i did NOT! give this company my information or initiate any business. I asked for them to send me paperwork in accordance to this account with my signature or anything supporting me getting a loan, they told me 3 to 5 business days it will be in my email .its been 2 months they dont even know who I am or have my email address but still have this account on my credit report I would like it removed immediately.. under 15 u.s. code 1602 ( p ) Unauthorize use of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX not investigating dispute in 30 day periods.
Product: Debt collection

Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.
Product: Debt collection

Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to Experian explaining that the accounts they are reporting on my credit report are not verified accounts and they are reporting incorrect information. Since they are reporting the unverified accounts on my credit report I requested that they send me a copy of the original contract that created the accounts. Experian has failed to provide these documentations. The letters provide all the unverified accounts that they are reporting on my credit report which they did not verify with the original creditor or provide copies of the original contract from the creditior. All of my letters were sent certified mail with USPS. On XX/XX/2018 I sent them another letter in the mail to request a copy of the original contract that created these unverified accounts that they are reporting on my credit report. They again failed to provide me a copy of the original contract. On XX/XX/2018 I send them a third letter requesting the copy of the original contract. They failed a third time to provide me a copy of the original contract. On XX/XX/2018 I sent them one last letter asking them to remove these unverified accounts off my credit report or provide me a copy of the original contract that created these accounts. If they can not provide me a copy of the original contract they are not reporting the information correctly on my credit report. Therefore they must remove all unverified accounts from my credit report.
Product: Credit reporting or other personal consumer reports

When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of XXXX for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with ann address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact XXXX days later. The best thing I knew to do was dispute it off my credit and to call XXXX. Before I had the chance to call XXXX. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my XXXX app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, with XXXX XXXX XXXX Has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, with XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Secti9on 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.
Product: Checking or savings account

On or about XX/XX/2024, Truist Bank held approximately {$2400.00} in my XXXX  bank account for 60 days. Then on or about XXXX, XX/XX/XXXX -- which is after the 60 day hold period, the withdraw activity on the account is still unavailable. No stated reason for the bank violating its own policy was given. And blocking withdraw activity for more than 60 for days for no stated reason days feels wrong. I'm guessing it's illegal. And I want access to my funds immediately.
Product: Mortgage

Nationstar Mortgage paid my homeowners twice last year resulting in a {$500.00} per month increase in my total house payment. Several months later, they continue to refuse to correct the mistake, and have now reported me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. XXXX  dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX, I received an email from Paypal that stated someone logged into my account from California, however, it was not me ( I live in PA ). Then there were four more messages sent from PayPal ( all the messages were in XXXX ). I was able to log into my PayPal account and change my password but the hacker already opened a business account using my credit. I was able to call PayPal to close the account. The name he switched the account to was " XXXX XXXX '' and had an address in Texas. Please keep a lookout for this name. Thank you for your time.