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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite Zelle 's numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers to exploit the systems, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had requested from XXXX XXXX to provide me with legal validation on the alleged claim that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX. I made this request in writing sent via certified mail return receipt to XXXX XXXX after discovering them on my credit report to this date I have received no response from the company and have never received a bill or statement my discovery of this company was on my credit report. XXXX  states they have verified the debt I had request from XXXX the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed the account to which I have no account number for only a dollar amount of XXXX opened XX/XX/2018 with all three of the CRA XXXX and XXXX have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Experian several tones regarding an account with gettington acct # XXXX I was never late in this account. However, Experian is reporting several late payments XXXX and XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. I informed Experian they lied and said info was updated. Nothing was change in payment history. I called and they said they spoke to someone with XXXX.however, company out of business
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 XXXX 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: Credit reporting or other personal consumer reports

Had an account with XXXX  XXXX for {$5000.00} had an acct open with XXXX XXXX for {$750.00} As a result of the Equifax data breach
Product: Checking or savings account

After making claim number XXXX regarding a fraudulent transaction in my debit card caused by a phishing attack, the bank decided to freeze and initialite an account closure. 

I called the bank, and they told me the reason for this is because i have no SSN, but my account was open in 2016 when the SSN was not mandatory. 

Another employee told me that as i open the account in 2016, i have the right to keep it open with no SSN. Also i never had a debit card claim or fraud with this bank in the past. 

So i think the reason for the closure is not the missing SSN, is just to dont resolve my debit card claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Experian on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation.

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 card or prepaid card

I spoke to a representative with Capital One and account is to be closed
Product: Vehicle loan or lease

I had to file for bankruptcy at the start of the year. While I was in the process of filing I made very clear to my Loan Originator ( GM Financial ) that my intent was to REAFFIRM the loan after the bankruptcy was discharged. At that time I was informed that I would not be able to do anything regarding reaffirmation until AFTER the loan was discharged. To be clear, this was information given to me DIRECTLY by the GM Financial Collections and Bankruptcy departments. 

After the bankruptcy was discharged, I attempted to resolve the loan with them and have it reinstated. At that point they informed me there was nothing they can do, despite being provided with the name and information of the individuals who informed me otherwise. 

Since the bankruptcy was discharged, I have had nothing but problems in dealing with GM Financial. Every single time I try to call in I get transferred multiple times, and most of the time I get transferred I get disconnected and have to call back. I can not access any information about what I owe on the vehicle, I can't see payment dates, payment amounts, I don't even know what I owe on the vehicle anymore. This is entirely unacceptable. 

I want my loan reaffirmed. If the loan can not be reaffirmed because it was discharged, I need a NEW loan based on the current payoff balance, with the same terms as before. I am NOT trying to get one over or cheat the system, I want to be able to interact with GM Financial and with my Auto Loan in the same manner as every other GM Financial customer. It is absolutely unacceptable that I have received multiple different explanations. It is absolutely unacceptable that every time I call in I have to be transferred multiple times. It is absolutely unacceptable that I have to call multiple times because I keep getting disconnected. 

I just want this fixed so I can monitor my loan account like a normal XXXX customer
Product: Consumer Loan

We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.
Product: Mortgage

failure to provide a XXXX 2015 periodic statement as required.
Product: Debt collection

I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to https : XXXX and completed the application process. I requested my XXXX Report, which displayed, but I was not able to print or save the report. The same results occurred for Equifax. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court  proceedings ), to ATTAIN A " JOINT '' 40 YEAR REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company ( XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted Transunion to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was 4 years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a 40 year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID theft?
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Best Buy at ( XXXX ) XXXX XXXX XXXX. I spoke to XXXX to obtain clarification regarding my bill being assessed {$6.00} in fees/ interest. I advised I paid the bill off before due date in the amount of {$360.00} so there shouldn't be any interest assessed because my bill was due XX/XX/XXXX. He informs me that it was residual interest. I'm confused because I charged a set of headphones totaling {$21.00} on XX/XX/XXXX and made multiple payments toward the card. I could not get an explanation for if I pay the card off before due how am I assessed {$6.00} in interest. My next bill has a charge of XXXX from a purchase of XXXX are on XX/XX/18so if I pay before my billing date XX/XX/XXXX how do I have XXXX in interest. Once again I couldn't get an explanation. Generally, your suppose to avoid credit card interest by paying in full every month. This Best Buy credit card was issued by Citibank.
Product: Credit card or prepaid card

The MoneyNetwork website and phone customer service line are not in sync with regards to trying to recover a lost PIN. There is no alternative to calling their XXXX number and the automated service menu doesn't recognize the account number, despite my being able to log in to the account. And in the account there is no PIN functionality at all, not even mention of it within the log in site, just the incorrect instructions on the external site. 

It's not even obvious if these people even exist anymore. But I'm quite confident they're earning interest on the funds that taxpayers can't use because of failing to provide basic PIN update functionality. 

The account has the full EIP XXXX amount just sitting there, and without a PIN is of no use.
Product: Credit reporting or other personal consumer reports

Account from exeter finance had been added to my credit report that should not be on my credit, I never had a lease for a vehicle with them or for any vehicle. I have owned every vehicle I ever had in my possession.
Product: Credit reporting or other personal consumer reports

Ok I just found out I'm part of the Equifax Breach that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from Equifax in the mail, by email or by phone alerting me about the breach years ago Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unable to view my credit report online or through the Experian app, I called numerous times and they said its because someone delete my address from my file, I sent all the information they requested numerous times to update my address, and its been months and every time I call they said its going to take XXXX to update and its been months. Theyre reporting inaccurate accounts on my credit and also deleted my XXXX  XXXX account thats in good standings and they fail to put it back saying its not them its XXXX XXXX and XXXX XXXX verified that theyre reporting to all XXXX bureaus on the XXXX of every month. My credit fell over XXXX points when they deleted the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

XXXX XXXXXXXX XXXX, acct. # XXXX XXXX XXXXXXXX XXXX acct. # XXXX XXXX XXXX  acct. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX  acct. # XXXX XXXXXXXX XXXX, acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related 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 card or prepaid card

On XX/XX/XXXX when making a payment online I noticed my available credit balance was {$0.00} though my credit limit is {$3200.00} and my balance was {$1100.00}. I started an online chat to find out what was going on and found that my account had been closed on XXXX. I did not receive a letter as to why. I was then transferred to a specialist who informed me my account was closed due to Discover not being able to verify my personal information. I then was asked to call XXXX to get additional information. I was told I was sent 2 emails and they had called me in XXXX to verify my personal information though I did not receive any communication so was unaware of said request. In the meanwhile, I'm making payments well above the minimum payment and there has been no issues or reach outs to me for anything. 
XXXX {$3.00} Online Cashback BonusRedemption Payment XXXX {$500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$1500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$21.00} Online Cashback BonusRedemption Payment XXXX {$170.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$250.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$62.00} Automatic Payments XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$360.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$48.00} Online Cashback BonusRedemption Payment XXXX {$1.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX I have been a customer since XXXX and do not believe permanently closing my account is warranted when I did not receive any communication on needing to verify my personal information in XXXX, did not receive a letter that my account was closed in XXXX and clearly from the payments I have made above I am fulfilling my obligation and then some in order to have my account in good standing. In fact, as wrong as this is I just paid my balance in full. I am a real person and if something was needed from me I should have been contacted. 

Thank you for reviewing this situation. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXXXXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX
Product: Debt collection

I am writing to formally dispute a collection account that has been reported on my credit file bye the three major credit bureaus ( XXXX, XXXX, XXXX ). The account in question pertains to Westlake Portfolio Management with the account with XXXX, a company with which there were payments on. 

I do not undrfestand why this account has been sent to collections when there were monthly payments of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. However, my credit report incorrectly indicates that my payment history was charged off starting in XX/XX/XXXXXXXX XXXX XXXX This discrepancy is damaging my credit profile and does not accurately reflect my financial responsibility. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be investigated promptly. If the account has been reported in error, I expect it to be removed from my credit report immediately. Additionally, I request a written response detailing the outcome of your investigation, including any refund details for the payments I made to XXXX. 

Thank you for your time and attention to this matter. I appreciate the assistance. 

Please find attached supporting documentation which includes proof of my payments to XXXX.
Product: Credit card or prepaid card

I received an email from Bank of America that a new credit card was approved and mailed to my address. Also received an email from the United States XXXX XXXX that someone had submitted a change of address for me. I have contacted both places and reported this as fraudulent. I was advised by the bank to file a report here.