23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times reporting discrepancy my financial institution, and Zelle has failed to investigate my claims adequately. They inform me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect 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: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ Experian, XXXX, XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 
XXXXXXXX XXXX account number XXXX ] is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting open accounts on a closed account also all XXXX bureaus, are reporting different date last active if you get your information from the same place why are my reports so different ] I am requesting that [ Experian, XXXX and XXXX ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for and was approved for a Discover Card. In the application I aske for a balance transfer of {$7000.00}. I was approved for the card and given a {$2000.00} credit limit. There was no mention of the transfer balance. 

On XX/XX/XXXX, I noticed a {$1900.00} payment on my XXXX XXXX credit card. This was the account that I had requested the {$7000.00} balance transfer. I never requested a partial balance transfer and that option was never mentioned. I called Discover and they confirmed that the partial balance transfer was made and there was nothing they could do because the payment had already posted. The suggested that I call XXXX XXXX and ask for a refund and then pay the balance on the Discover Card account. 

I never asked for a partial balance transfer and I have not activated the card! I am going to call XXXX XXXX and request the refund, however, I am not very hopeful that they will accommodate me.
Product: Credit reporting or other personal consumer reports

Please see attached notarized document XXXX and other relevant supporting documents
Product: Credit reporting or other personal consumer reports

" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"
Product: Checking or savings account

I am filing a complaint against Capital Bank due to the release of my direct deposit funds in my account. This was an issue before my direct deposit was suppose to hit my account and Capital One failed to disclose that my funds will be delayed, due to unforeseen circumstances. The primary law governing when a bank can withhold money from your account is the Expedited Funds Availability Act ( EFA ), also known as Regulation CC, which allows banks to place a hold on deposited funds for a specific period under certain circumstances, but requires them to notify you of the reason and when the funds will be available for withdrawal. This has caused me financial hardship due to me needing my money that I worked for to pay bills and get necessities for me and my family.
Product: Student loan

I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.
Product: Credit reporting or other personal consumer reports

I submitted disputes expressing these companies were in violation of consumer law. I have been a victim of identity theft and these companies still proceeded to report these negative collection accounts i don't have any knowledge of. Also these companies shared my personal information with dept collectors without my knowledge or concent. And also refused to supply me with their detailed process that deemed these accounts to be correct and accurate thereafter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I met a freelance debt consolidation worker who claimed to run a business helping people ( specifically those she met at the unemployment office ). She was very pushy and adamant about being friends and working with each other sharing services ( I XXXX XXXX XXXX  ). After sending her XXXX XX/XX/XXXX for a service that was not completed I requested it back and she stopped responding to my attempts to reach out. On XX/XX/XXXX I filed a fraud claim with cash app and was continuously denied. After speaking with a representative, I was told that they couldn't reverse the completed transaction and I should reach out to the person who had already cursed me and blocked my number. I was continuously told by cash app representatives to request directly from the freelancer a refund however the individual was in fact a scammer and also notified me that their account was closed so there was no way I could receive the funds. If cash I've had shut down their only way of refunding me then how would I receive it. I was then cursed and blocked by the individual. Cash app has access to personal identifiable information including tax and commercial banking. There is no way that a fraudulent transaction can't be refunded.
Product: Credit reporting or other personal consumer reports

I recently submitted a modification on my loan and was approved. With this being done, my loan should have restarted. Since then my credit has only reported from XXXX. I have submitted several disputes to have this information updated and the company always reply With no change.
Product: Bank account or service

I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from TransUnion, XXXX  and XXXX  I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX.-XX/XX/XXXX ( attached statement ). The statement for XXXX-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # 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 consume reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX FXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo morgage have add Credit changes on XX/XX/XXXX My credit was down -23 pts, with reason, payments have been on time for the past 5 years, I call them they referred me to this company, do to they dont see a reason why this was create for me. 
WELLS FARGO HOME MORTGAGE Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Account in forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

HAF PROGRAM FROM ILLINOIS SAYS THEY CONTACTED MORTGAGE SERVICER FOR RESPONSE OF PAST DUE AMOUNT. NO RESPONSE I APPLIED FOR THIS PROGRAM XX/XX/2022 IM TRYING TO AVOID LOAN MODIFICATION AND THIS PROGRAM HAVENT HELPED ME YET. IM SCARED OF MY HOUSE GOING INTO FORECLOSURE. MY MORTGAGE SERVICER IS GUARANTEED RATE & NOW GOING TO XXXX XX/XX/2022 XXXX
Product: Payday loan

applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled. 
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. Provide documentation that links me to the debt, such as original signed agreements or contracts. Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully. Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges. Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt. Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws. XXXX XXXX XXXX XXXX  : Confirm that no payments or settlements have been misapplied or omitted from the reporting. Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. There are also inquiries on my report I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XX/XX/2022. 
Amount {$7100.00} I have contacted XXXX XXXX numerous times and told them this was identity theft and I have also filed a police report with XXXX Police XXXX. Case # XXXX Apparently, Identity Theft is common with XXXX XXXX per the multiple employees I spoke with in their Fraud Dept
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

On XX/XX/XXXX I received an email from a company called Sequium regarding their attempt to collect a debt on behalf of XXXX XXXX XXXX XXXX for {$840.00}. I have never received a phone call or anything in the mail even though the email communication informed me that XXXX XXXX XXXX shared that information with them. I paid off my account in full with XXXX XXXX XXXX and closed it. I do not owe this company money and they practiced deceptive ways to ruin my credit without verifying the account with XXXX XXXX XXXX first. The account in question is under my married name XXXX. I have been divorced and legally changed back to my maiden name in XXXX. President/CEO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA. I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the Consumer Financial Protection Bureau, FTC and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Product: Debt collection

Account recovery specialists bought medical bills that were not verified nor sent to my home address, stating debts were due under my name. it looks as if acct specialists have broken down medical debt in small cash increments flagging my credit report a numerous amount of times.
Product: Prepaid card

My card was used unauthorized in total of XXXX. Its been two weeks now and i have gotten no where with this company. Customer service hangs up on me. I am told nothing of when I will receive my money. There is no way to escalate the matter. I am from XXXX my card was used in XXXX. No help has given to me in the matter at all. I have children and bills. This company is rude and i believe they are trying to keep my money.
Product: Student loan

I live in Hawaii. The time difference depending on the time of year is XXXX6 hours. That means that it is not possible to get in touch via phone. I have tried to use their correspondence feature but they either do n't reply or send a form response that does not answer my question. There website currently does not work well and requires constant switching between the old a new site. This now has been for years.
Product: Debt collection

On XX/XX/2022, I sent a letter to Transworld Systems Inc, regarding an inaccurate debt that they claim I owe. I asked for validation of this debt, as I do not believe that I owe anything. In addition to that, I also asked that further communication regarding this matter, should be handled via mailed correspondence. 

Since receiving my letter, Transworld Systems Inc has yet to provide any sort of proof of said debt but they also continue to call my phone, repeatedly, from different numbers throughout the day. Transworld Systems Inc calls from different New Jersey area codes, since I have a NJ number, in hopes that I would pick up a call from New Jersey. Clearly this is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and subsequent actions should be taken to address this.
Product: Debt collection

I have sent a validation letter to XXXX XXXX XXXX, and they have failed to provide me with all the requested information. I also noticed that as a collection they are reporting as the original creditor, as well as reporting as an open account. Which should not be done when an account is in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in a lengthy thorough dispute that went ignored by Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Every time I called on the phone a representative located in another country could not locate what I mailed in.
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) -Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Chapter XXXX Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year> Court : United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, United States XXXX XXXX Bankruptcy XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.