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

I am writing to report an incident involving Zelle that resulted in a significant financial loss and to seek assistance in recovering my funds Recently, I received a message from what I believed to be a legitimate seller on XXXX XXXX. The seller was offering a high-demand electronic item at a price that seemed too good to be true, but they provided a convincing explanation for the low price. They requested payment via Zelle, claiming it was the fastest and most secure method for the transaction Trusting the seller 's representation, I sent {$500.00} to the provided Zelle account, believing I would receive the item shortly after. However, after completing the transaction, I never received the product, and all attempts to contact the seller resulted in silence. It became clear that I had been scammed After realizing I had been defrauded, I contacted Zelle customer service to report the incident and seek assistance in recovering my lost funds. I was informed that Zelle does not offer buyer protection, and because the transaction was completed, there was nothing they could do to reverse it. I was left feeling helpless and frustrated This loss has caused significant financial strain, as I had been saving that money for essential expenses. Additionally, I feel a great deal of stress and anxiety over the experience, knowing that I fell victim to a scam and that consumer protections in place were inadequate. I am requesting your assistance in recovering my lost funds and advocating for Zelle to implement better protections for consumers against fraud. It is concerning that a payment service can facilitate transactions without offering any recourse for individuals who fall victim to scams Thank you for your attention to this matter. I hope to hear from you soon regarding the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing fraudulent accounts on it, that have already disputed and had removed from my credit report, since the accounts have returned I have disputed the accounts again and this credit bureau continue to let the fraudulent accounts and information remain on my credit report. 

These accounts have returned on my credit report with fraudulent address and a different company name, and this credit bureau is allowing it to remain. 
Accounts : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX
Product: Credit card

I have reached out to this company and the credit bureau to inform them that this is not my account! They will not remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the erroneous information being reported by my creditors. The errors on my credit reports have had a significant negative impact on my life. Specifically, I believe that several violations have occurred, including those under the Fair Credit Reporting Act ( FCRA ). 

First, I would like to bring to your attention the fact that XXXX and XXXX are listing account number XXXXXXXX XXXX  as a mortgage account instead of a real estate account. This is a clear violation of the FCRA. 

Additionally, I have noticed that XXXX and Experian are not reporting the monthly payment as {$0.00}, as reported by XXXX. Furthermore, Experian is not reporting the balance of {$0.00}, as reported by XXXX and XXXX. This is another violation of the FCRA. 

Moreover, XXXX or XXXX is reporting that sowing is due every month, but actual seeding is unreported. XXXX has set a credit ceiling of {$0.00}, but Experian and XXXX have made no reports, which is yet another violation of the FCRA. 

Furthermore, XXXX is reporting that the account was 120 days past due, but Experian is reporting that it was Account moved to another location or reported to XXXX at least four installments or 120 days past due. This discrepancy is a violation of the FCRA. 

In addition, XXXX and Experian are not receiving reports of remarks that were transferred to XXXX or another lender, which is another violation of the FCRA. The misuse of e-OCAR and the wrong Metro2 format are also violations of the FCRA. 

Lastly, between XX/XX/2022, and XX/XX/2022, a remark code for a charged-off account was added to the account. This is a violation of the FCRA. 

These violations have had a significant impact on my life. I have been denied credit because of these inaccurate reports, and my ability to secure housing and employment has been hindered. It has caused me a great deal of emotional distress and has affected my quality of life. 

I respectfully request that you enforce the legal rights that I am entitled to under the FCRA and have the creditors remove these unverified collection accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Wells Fargo closed all my credit card accounts. They cited regulatory reasons, but did not mention anything specific at all. I request all my accounts be re-opened as I have not done anything against the terms and conditions. Banks should not be able to close your accounts whenever they want without due diligence.
Product: Student loan

student loans paid off XXXX XXXX 10 years still reporting on credit reports. have asked to have removed and still showing. accounts are closed ( 3 )
Product: Debt collection

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 NEVER AUTHORIZED THESE COMPANIES TOO HAVE ACESS TO MY CREDIT AND NEVER DONE BUSINESS WITH XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

USAA allowed {$8000.00} to be fraudulently transferred from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or concern to the fraudulent activity. Its like they dont care or are not concerned about my account security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck
Product: Mortgage

My loan, which was with XXXX transferred to XXXX XXXX. 
I was not made aware of this information. XXXX claims to have sent a notice in the mail, although I never received it. This event occurred on XXXX. 

I sent my regular loan payment via bank bill pay in both XXXX and XXXX and did not realize until mid XXXX that both payments were returned to the bank. 

When I called XXXX, after I insisted they do so they emailed me the letter of transfer I never received. 

I then learned the loan servicer was XXXX. I immediately called XXXX- and after an initial wait time of 30 minutes, I got a person on the phone who could not provide me with a new account number. 

I tried using the XXXX XXXX to set up an online account so I could review my statement and information with the new company. 

XXXX  could not provide me with an account number. 
I emailed the customer service 2 times in the past 24 hours and there was no response.

I called again and was placed on the call back list, after 30 minutes the automated system called me back and I finally got in touch with a person.

When I gave her my info, I was placed on hold again - for over 45 minutes! I actually saved the screen shot of the call.. No one ever picked up to help me again. 

So here I sit, almost 60 days since my last mortgage payment was made, and I don't have a new account number from XXXX  because I can not get an answer from them. I'm sure they will get in touch with me quickly when I'm " late '' on payments though and at that point I will refuse to pay any late payments to them. What a joke of a mortgage company. Days of chasing them down and no help, leaving me on hold for nearly an hour twice and not responding to emails.
Product: Credit reporting or other personal consumer reports

Santander consumer USA. Has reported to an inaccurtae credit file and discrepancies to my credit profile. They have reported repossession and have sold the vehicle and are reporting a very high charge on my credit profile. And has yet to mail any proper documentation. My credit profile has been reporting {$14000.00} since 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have recently become aware of his misuse of my personal information, which resulted in the unauthorized opening of these accounts. As evidence of this identity theft, I am enclosing a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report numbers XXXX and XXXX. I am also providing supplementary documentation that demonstrates the fraudulent nature of these accounts. I understand the importance of accurate credit reports and appreciate your cooperation in resolving this matter. If you require additional information or documentation, please do not hesitate to contact me. The following accounts were falsely opened by my ex-husband : XXXX XXXX XXXXXXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting

In 2012 XXXX XXXX deceptively : - engaged in double cycle billing - improperly assessed my account a late fee, - in violation of the FCRA negatively reported to all XXXX credit reporting agencies the late fee I am attempting to re-finance my home, and the negative reporting is directly affecting my ability to refinance my home on better terms including a better interest rate, lower monthly payments, restricting my ability to refinance other debt. This is costing me significant amounts of money. Due to the deceptive nature of the credit reporting need XXXX XXXX to clear on all XXXX credit reports any negative history so I can proceed with getting ideal financing. This is directly affecting my reputation and harming me financially. 
XXXX XXXX was already faced with a {$210.00} XXXX dollar enforcement action due to improper marketing and billing, and I continue to be harmed by the deceptive practices XXXX XXXX was engaged in during that time. I need negative reporting cleared so I can proceed with a better financing of my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit cards late payment XXXX FRCA Violation XXXX XXXX late payment XXXX XXXX FRCA Violation XXXX XXXX loans late payments XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX FRCA Violation inquiries XXXX  XXXX NA XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXXXXXX CT XXXX, TX XXXX
Product: Student loan

Fed Loan Servicing no longer services my loan. Fed loan was included in chapter XXXX bankruptcy. I have a new loan servicer for my loans. Fed Loan is still reporting on my credit report XXXX as negative information. This has effecting me from getting any type of credit. The balances on the account are XXXX dollars and there still reporting late.
Product: Checking or savings account

I called to close my bank account because I have moved states. I was told I could not close due to a monthly fee of {$5.00} that I had been charged for not using the account enough. This {$5.00} charge overdrafted my account by {$1.00}. I transferred {$5.00} to the account the same day and it posted the following day. Meanwhile, Union Bank began charging me an additional $ XXXX/day for a continued overdraft fee for 5 days. I transferred {$40.00} to my account again and called customer service. They reversed the overdraft fees and said my account would officially be closed at the end of the day XX/XX/XXXX, and the remaining balance would be mailed to my new address. I checked my account today and Ive been charged {$41.00}. {$2.00} remain in my account. I called and asked why Im being charged anything today when my account closed the day before and had no pending charges yesterday. The only information they could give me was that it was a branch charge, and they could give me more information tomorrow, but could do nothing until XX/XX/XXXX because the branch is closed. I do not understand why I would be charged {$41.00} if Im just closing my account. I have been trying to close my account since XX/XX/XXXX. It is beyond ridiculous at this point, all of these hidden charges.
Product: Debt collection

I have attempted to dispute the collection status of 3 separate amounts through the credit Bureaus on multiple occasions. With request for validation of debt. 
My dispute was in relation to first never receiving any communication from the 1st creditor XXXX XXXX XXXX. After having no prior knowledge of any amounts owed or bills sent to my address or anywhere that I could be made aware these 3 separate amounts/accounts ended up on my credit report in collection. 
When I first noticed them i disputed them through the credit bureaus and requested a validation of Debt, this was never supplied, XXXX removed the items from my report, XXXX and XXXX have not done so and after repeated disputes with them they began to what felt like just immediately close the dispute. 
I have yet to receive any notices- rights to dispute or debt validation letters, or even bills from XXXX or the debt collector and never received notification that I owed any amount to well now, after repeated attempts of disputing I gave up a friend suggested complaining here,
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard pull on credit because my wife and I are applying for a mortgage. After the credit pull AmeriSave Mortgage Corporation reached out to me unsolicited and tried to sell me on a refinance. I said I'm not interested and didn't know how they got my number. Then the women mentioned that I had a hard pull on my credit. 

She asked me " Why did you have a hard pull on your credit, are you buying a home, looking to refinance? '' I was surprised she knew this information and I said, " I'm not comfortable sharing any information about why my credit was pulled, I don't know who you are '' She then proceeded to list off the products her company offered. Then both of said ok goodbye and hung up. 

I'm concerned the the credit reporting companies are giving out information on me to other companies without my approval. I'm also concerned that the women from AmeriSave tried to get me to divulge why a hard credit report was pulled. That information is extremely personal, I can't believe a sales person would ask such a questions especially on a unsolicited call. 

the number that reached out to me was XXXX
Product: Debt collection

The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through Capital One and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.
Product: Credit card

I contacted this company on XX/XX/XXXX to get help with my account because my bank account had been hacked when I called the " priority customer service '' that I am pay additional money for I was told that I need to speak to a XXXX and that my call would be escalated and someone would contact me back I called every day for 6 days asking for a XXXX and help with my account. no one returned my call until this morning XX/XX/XXXX a man name XXXX called claiming he was a XXXX from the very minute I answered the phone this man was very disrespectful and rude to me I explained to him the issue and he basically told me that is not our problem you are not are only customer and we were busy the fees being charged even though you have been calling for 6 days asking for help with your account will stand and if you do not pay them we will send you to collections as we have every right to charge these fees I asked where I agreed to these charges he said it was in the terms and conditions I asked where he did not respond. he continuously told me while I was talking that if I wasn't going to accept his response to this then he can disconnect the call, and I will not be able to speak to anyone I asked to please speak to another XXXX, and he refused to let me telling me that is not a option for me. I asked him how it is fair that I should have to pay these fees when I have been trying for 6 days to resolve the issue and he said well we were busy so the fees stand nothing we are going to do about that it doesnt matter that you spent 6 days reaching out begging for help with your account so that you would be charged fees my account has always been in good standing with them and they refused to do anything to help me even though I tried for 6 days to get help with these fees and issues and tried to resolve this so that no more fees would be charged he didn't care that it took them 6 days to get back to me to help me. I have read the terms and conditions I asked for help multiple times to why or where I agreed to these fees and why I should pay them when i have been asking for help with my account for 6 days the man refused to provide me any documentation and refused to remove a single fee that i am being charged even though the fees are unreasonable and not justifiable when I contacted the company 6 days ago requesting help with my account.