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

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with its platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately resulting in me losing out on about {$5000.00} dollars back in 2019. They informed me that recovering the lost funds was impossible and this resulted in my back account being frozen and ultimately taken away. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users like myself vulnerable to scams. I tried resolve with XXXX but no my bank wound up taking my check and closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I did a co-sign for my godson to get approved for a school loan, I uploaded my business information ( not personal information ) which was a EIN and not a social security number only to find out that SALLIE MAE violated 15 U.S. Code 1681, which I have the evidence of and they never took off the hard inquiry from the credit bureaus after I asked them too, because XXXX XXXX XXXX XXXX XXXX  they told me that the loan for him would be denied after they violated my privacy and ran my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my Venmo account was frozen, it is attached to my email XXXX phone number XXXX. With it frozen I was not allowed to move my Venmo balance of over {$1400.00} I reached out to customer support with no help other than a specialist will email. They reached out stating I owed a balance of {$270.00} to Venmo. I told them that my balance can be taken so I can resume use. They agreed as well. 

It was finally taken on today on XX/XX/XXXX plus an extra {$200.00} was taken which when I called today they exclaimed they did not know how this was happening. Even after it was taken, my remaining balance still can not he withdrawn to my bank account linked. 

To make matters worse they have been deceiving as on XX/XX/XXXX, I received an email from a XXXX XXXX who is an account specialist. He stated in his email that my balance was available for withdrawal as early as XX/XX/XXXX, which is incorrect as I still can not. They are also quite unresponsive as I have emailed the email they told me to reach out to multiple times to no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several monitoring notifications, stating that I have XXXX late payment with XXXX XXXX, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXX LATE CHARGE FEE {$30.00} XX/XX/XXXX MEMBERSHIP FEE {$49.00} XX/XX/XXXX XXXX XXXX  REFUND DEBIT {$21.00} XXXX XXXX is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX  XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date receipt.

under 15 U.S. Code 1681e ( b ) and 15 U.S. Code Under 1681i ( 5 this account in violation for not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Sedi 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will requil you to delete all the list of items above. You are required to do what am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Transunion Credit report on XXXX, It was showing negative pay status by XXXX XXXX XXXX for {$1400.00}, It was transferred from company called XXXX XXXX XXXX XXXX XXXX they claim that on XXXX some one lease XXXX  for {$1400.00} and made one payment of {$63.00} and stop making payment, so they reported to Trans union credit co under my name . I don ; t know any XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don, t lease phone, I contacted both company they giving me runaround, and they don, t help me I have enough income that i can by my own phone. please fix this problem and clear my credit report. 

Thanks.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity 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 XXXXXX/XX/year>
Product: Debt collection

Back in XXXX, I was very sick and I had to go to the hospital. I do have health insurance. I never receieved a bill for anything I owed. I am trying to get a home mortage right now and I had my credit pulled last week and they said I had a collection debt on my report which I know could not be true. When I reviewed it, I was sent to XXXX for a XXXX bill. I never received a bill for this so I had no idea it was even due! I called XXXX to talk to the payment center and they told me that I did not owe anything as my insurance had paid everything. I asked for them to remove me from XXXX and they said they could not. I would have to speak to XXXX. I went into their XXXX NC XXXX and the lady up front said there was nothing she could do, that my credit was damaged for 7 years and to just go ahead and pay it and it will " look better '' than it being owed. She also said if I did not pay it, they could put out a warrant for my arrest for failure to pay a debt that is owed. 

If I owe it, that is fine and I will pay it in full but the hospital told me I didn't owe it and XXXX is no help in the matter. They have broken the Fair Credit Reporting Act and my fiancee is an attorney here in XXXX NC. He is wanting to file a suit against paragon for damages to my credit report but I would rather just pay the amount owed and have it deleted vs going to court over something I don't even owe and never got a bill for. All i am asking for is the opportunity to work this out and have it deleted off my 3 credit report bureaus before my fiance takes XXXX to court over XXXX dollars. 

I have heard horror stories in the past about XXXX lying, double crossing people, and I refuse to be a victim when they broke the FCRA law in North carolina. 

I have filed a complaint with Consumer Financial Bureau, XXXX XXXX XXXX, and I have also contacted my Attorney Generals office of North Carolina. 

If they are unwilling to resolve this with or without payment and delete from my report, I will have no choice but to let my fiance file a lawsuit against them to have it removed from my report as this is keeping us from getting our new home!
Product: Credit card

XXXX different times my registered securities presentments were sent to bank. Also letters sent explaining the instruments were proven by the XXXX XXXX XXXX postmaster as a confirmed signed delivery to the Banks address, I have also requested the respect of my privacy of any of my information and notice to opt out of them sharing any of my personal information they may have collected and may have of my social security number. Copy of any ORIGINAL SIGNED application or promissory note they have of mine containing all terms that I may have willingly or unwillingly agreed to with such signature, I was sent a statement, terms with NO COPY OF MY ORIGINAL SIGNED APPLICATION OR PROMISSORY NOTE. Nor has the bank returned any of the delivered registered securities, nor transferred my coupon as instructed on the delivered presentment, nor settled the balance being claimed on coupon, nor have they acknowledged receipt of my presentment, The bank is demonstrating theft as the XXXX has filed the Mail Fraud claim and I have also filed the theft with XXXX, I am in process of filing the fraud and theft to the XXXX XXXX XXXX. XXXX case to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX the company XXXX XXXX XXXX have sent fraudulent information to XXXX of a debt that according to them belongs to me for {$4100.00}, damaging my history for several months, the contract that they send is not my signature and it is not the account number that They say that I must, even so I send all the documents that support me and attest to my good name, this company has not hesitated to correct said error, I beg you to take action against this company that charges without documents that support that is my signature and account number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 


15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX* Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 




I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting

I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.
Product: Credit reporting or other personal consumer reports

This is my third attempt to get this item deleted. On XX/XX/year>, I sent the credit bureau a letter requesting that this item be deleted because this item was purchased by a 3rd party debt collection agency, XXXX XXXX XXXX, XXXX. The status is not correct, and neither is the amount correct. The account was paid for less than owed by the third-part debt collector. The question is how much did the collection company, XXXX XXXX XXXX, XXXX pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising y rights because this is clearly a violation of the FCRA section 609 and 611. Therefore, this item must be deleted immediately. This has tarnished my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lifting a credit freeze with Equifax We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen withing 1h if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax has still not lifted the freeze after 21 days of us trying to lift the freeze ( online, by phone, via fax and via mail ). 

The details are : XX/XX/XXXX : worked through myequifax.com to lift the freeze, errors out at the end requesting a phone call XX/XX/XXXX : Called Equifax, Agent claims they have no credit report / info on me and I should contact my bank to transfer information. While on the phone, I requested 1 out of my 6 free credit reports only at myequifax.com which lists all the info meaning their claim that they don't have anything on file for me is wrong. Agent informed me that I'll have to fax a copy of my driver 's license ( DL ) and social security card ( SSN ). Sent fax to specified fax number. 

XX/XX/XXXX : Sent letter # 1 via regular mail with copy of DL and SSN ( since no answer to fax ) XX/XX/XXXX : Received letter from equifax claiming they are unable to locate my record stating they need my DL and SSN ( which I already sent per fax ) and all former addresses XX/XX/XXXX : letter # 1 delivered per XXXX tracking, equifax had to sign for it XX/XX/XXXX : phone call, equifax asked me to take a picture of DL front and back live using a weblink and a selfie. Agent confirmed live that DL looks good and Agent can confirm by selfie and DL my identity. They confirmed my identity but still can't lift the freeze ( unknown reason ) and asked to send DL and SSN which I had already faxed and sent by mail. I asked Agent what to do next since I know the PIN for freeze ( they claim they don't use the PIN anymore, so useless ), I've confirmed my identiy via live scan of DL and selfie, I can access all my data including the credit report online, I've faxed and mailed copies of DL and SSN already. No clear answer, neither from Manager who I escalated it to, on what to do next, apart from them claming they have received no info and I need to send copies of DL and SSN. 

XX/XX/XXXX : sent letter # 2 and letter # 3 including all former addresses to XXXX XXXX XXXX XXXX because instructions on XX/XX/XXXX including two different XXXX XXXX XXXX. 

XX/XX/XXXX : today ( still frozen per myequifax.com )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

Contacted XXXX XXXX to dispute reporting " unpaid '' collection and charge off {$360.00}. I 've written and mailed XXXX, proof of paid settlement offer to XXXX ( their collection agency ). This was done XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They continue to " Promise '' to update the report as paid but still shows error since XXXX as a charge off. I 've contacted XXXX XXXX and Experian every year since XXXX XXXX, XXXX. I 'm unable to contact Experian XXXX/XXXX/XXXX to dispute my report, even though I was given until XXXX/XXXX/XXXX to XXXX again submit proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to court as a defendant against Midland Credit Management. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with Midland Credit Management. I went through XXXXXXXX XXXX site to have it removed. Midland is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.
Product: Mortgage

Ditech Financial LLC took over our mortgage from Greentree Servicing. We fell behind on our mortgage last year and applied for a modification. We were behind in our mortgage {$3000.00}, and were applying to reduce our payments. The modification we were presented reduced our mortgage by {$60.00} per month, but Ditech added {$51000.00} to the principal. We agreed because we did not want to lose the house, a poor decision on our part, and are now falling behind again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. 

XXXX XXXXXXXX XXXX XXXX Reference : XXXX. 

Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding this incorrect account showing on my credit report. This issue has affected my reputation, and I need your help. Your mishandling of my credit report has caused significant harm due to the false reporting. You must eliminate this incorrect information from my report.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX XXXX  when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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