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

I am writing to formally express my concerns regarding Zelle 's manner in which they handle disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times for transactions between friends and family, and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was nearly impossible and that tracking these transactions was unrealistic. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to abuse the system, leaving regular users susceptible to scams. This 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

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at XXXX because the credit bureaus obviously dont!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, three unauthorized credits of {$390.00} were made to my paypal account totaling $ {$1100.00}. The same day, thirteen {$49.00} and fourteen {$40.00} payments were debited from my Paypal account totaling {$1100.00}. Next, on the same day (XX/XX/XXXX ), three more unauthorized debits of {$390.00} were made on my account leaving me with a balance of {$1100.00}. I did not authorize any of these transactions and further, the bank associated with the transactions is called XXXX XXXX ( XXXX XXXX XXXX ). I've never had an account at this bank. I believe my account has been compromised, and when I call the phone number posted on their website, there are 1.5 to 2 hour hold times. I've also alerted Paypal through their website to my problem and nothing is happening. No contact, no callback or email - nothing. Just a continued balance on my account for {$1100.00}. I'd like to cancel my account, however this is not permitted, because they indicate on my account page their may be suspicious transactions ...?? They indicate I can clear up the suspicion by providing bank statements etc, but I do not want to provide that because I no longer trust they can protect my information. Hoping reporting this to the CFPB will assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a representative from XXXX XXXX XXXX came to my home to sell me solar panels. When we got to the application process, I asked the representative if the credit inquiry was a hard or a soft inquiry. She informed me that the inquiry was a soft inquiry so I allowed her to move forward with the application process. I actually don't recall providing my social security number as part of the process. Upon checking my credit report, I noticed a hard inquiry from XXXX XXXX on my report. When I inquired with XXXX XXXX to learn what the inquiry was about, they informed me that it was in relation to XXXX XXXX XXXX. I informed XXXX XXXX that the inquiry was supposed to be a soft inquiry, not a hard inquiry. XXXX XXXX   investigated and said that because I received services from XXXX XXXX XXXX ( which I did not ) that the inquiry is valid. Regardless of whether I received services or not, the representative lied when she told me that the inquiry was a soft inquiry. For this reason, the inquiry should not be on my credit report.
Product: Credit card or prepaid card

I received a pre-approval letter with an acceptance code from XXXX Credit Card on XX/XX/2019 by mail. 
That same evening I decided to activate it, its a fairly simple process, I went to my desktop, logged onto their website, filled in the blank, including my Social security number, my employment, income, mortgage and pressed submit all to find out I was declined and a letter would be sent out explaining why. 
My big issue is, had it been a pre-qualify or an invitation letter, I would not have proceeded. 
This was a total gimmick to get additional information from me and I am very upset. 
Pre approval has my name on it, the amount I'm approved for, there is an acceptance code. 
The fine prints read " final approval is not guaranteed if you do not meet criteria, including proof of ability to repay. 
Well that criteria was not defined and I certainly have the ability to pay. 
I wish for XXXX Credit Card to stop such practices and I am seeking Class Action Law Firms who may be interested in such matters. 
According to the customers service I contacted, they get several such complaints every day.
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 15 USC 1681. 
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 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 has violated my rights. 

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

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

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, credit repair services, or other personal consumer reports

I called Equifax to dispute fraudulent activity on my credit report after submitting several dispute letters. The representative told me it's their policy not to dispute fraudulent activity and directed me to file an FTC report and a Police report to dispute. XXXX, Employee # XXXX
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CREDIT LINE ACCOUNTS ( XXXX / XXXX ) ** Violations : FCRA 607 ( b ), 611 ( c ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the inaccurate credit line accounts ( XXXX : XXXX ; Equifax : XXXX XXXX from my credit files. These accounts contain provable inaccuracies violating federal and Texas law. Failure to comply will result in legal action and regulatory escalation. 

Critical Errors & Violations Future-Dated Reporting : Last Reported Date : XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Equifax ) future dates as of today. 

Payment History : Shows activity for XX/XX/XXXX, which has not yet occurred ( e.g., XXXX : " OK '' in XX/XX/XXXX ; Equifax : " OK '' in XX/XX/XXXX ). 

Inconsistent Reporting : High Credit : XXXXXXXX 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 ( Equifax ). 

Date Last Active : XX/XX/XXXX ( XXXXXXXX XXXX XXXX XX/XX/XXXX ( Equifax ). 

Illogical Account XXXX : Listed as Open with a {$0.00} balance and no recent activity ( last payment : XX/XX/XXXX ). 

FCRA 611 ( c ) Violation : If these accounts were previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) : Misrepresenting account details ( e.g., future dates, inconsistent terms ). 

Legal Demands Permanently delete both accounts within 5 business days. 

Send written confirmation of deletion and revised credit reports. 

Cease all unlawful reporting of these accounts.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the CFPBs XXXX Consent Order. 

Texas Attorney General Complaint : Under Texas XXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ).
Product: Credit card

I was told by an agent I could upgrade my card to a XXXX able to be used anywhere. However, when following the steps provided to upgrade, there was no option available. Contacting service again, I was told the only way to receive a XXXX is to apply for a new card. I find that unacceptable, as I know others with the Gap card who have had their account upgraded to a XXXX. I ask that my complaint be forwarded to the person with the authority to convert my store card to a XXXX.
Product: Mortgage

My XX/XX/2019 payment was auto drafted for more than double the amount of the payment. I promptly logged into the Shellpoint Mortgage Servicing website and saw that my escrow analysis had been redone. I quickly saw that Shellpoint had forced placed insurance on the home, even though in XXXX  they listed themselves as lien holders on all my insurance policies. These insurance policies have been in place the entire duration of this loan. I also saw they had listed county and school taxes. These taxes are not associated with this home, and taxes are not escrowed with this loan.

I called Shellpoint on 1/2 and explained these errors. They notified me that the correction process would take a few weeks. I have emailed and mailed Shellpoint all copies of my insurance, and sent a letter explaining the errors. I have continued to call back, at least twice a week, for updates. A few times I was told that they would have a resolution by 1/19. Today, I was told they still have no resolution. The taxes still need to be reviewed and escrow analysis done again. My escrow account has not been refunded the erroneous forced place insurance policies. I confirmed with them that I owe a 2/1 payment, and it is still more than double the amount it should be.

How many people can afford to make two mortgage payments in one month 's time? That is what they have done to me, and are trying to do for the second month in a row.
Product: Bank account or service

My bank account has clearly been infiltrated by a thief. Today, while on vacation, I checked my account online. There is a record of all withdrawls i have made within the last 7 days. There is a deposit made by my employer. The amount of money in the account is short the exact amount of the employers deposit. That is the second time this month that money has been shorted from my bank account with FifthThird Bank. I need to switch banks and I would like to get that money back.
Product: Credit card or prepaid card

XX/XX/2018 I received a letter from American Express Consumer Care, Fraud Department, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX after applying for the XXXX XXXX XXXX from American Express Credit Card.

The letter states, " In order to continue processing your application, please supply the following information : Your home address. Please provide a letter from your bank confirming your home address. To ensure timely resolution, please ensure the letter is on original letterhead from the bank and contains the following : *The banker 's name, title, hours of availability and signature. *Confirmation of your home address *Main number to the bank branch *An extension or personal line to the banker when applicable. '' It also states, " This information is essential to your protection as well as our records ... Please include reference number XXXX. '' I called the fraud department and was unable to get any details about why my application was immediately sent to the fraud department. I informed XXXX, Fraud Department Customer Care, ID number XXXX, that his request was a violation of the Patriot Act, Privacy Act, to have a 3rd party who doesn't even know me verify my address. I asked why his company didn't just request a Drivers License or bank statement. His only reply was " other bank 's write them, try a different bank. '' This letter request is a violation of my privacy, and I have the right to know why my application went directly to a Fraud Department.
Product: Money transfer, virtual currency, or money service

Coinbase unlawfully locked my account for 9 months. Because of their actions I have sustained personal and financial harm. My Attorney needs contact information of Coinbase legal representatives so we can file suit for damages they have caused to me.
Product: Debt collection

When told company that equipment is not working, company told us they will file a lien against the home if we do not pay.

We have called the equipment servicer and the phone number to them is not working.

They want us to pay for equipment that does not work and has refused to help us. Apparently every time we call, there is no one in the resolution team available to help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Cash Apps system created a duplicate payment to someone with the same first name same amount same date and time. It was reported within an hour and all necessary steps were taken. They also released a message about the system error creating duplicate payments at the time. Over a month later they continue to deny the dispute saying there was no error and refuse to provide any documentation proving their investigation. The only thing on the document is the charge itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with First Progress Prestige Card opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in XXXX. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem 1 problem 2 The account which was cllosed on XXXX as CO  out of nowwhere lstart4ed reporting again and in XXXX andXXXX of XXXX it reflected two months of CO  .. ruining my credit at a time i was taking a student loan. I have been sending lletters to them ( first progress ). i have spoke to agents who say they can not do anything. and XXXX I have disputed it with XXXX  times. each time the agent saying i was right, and they will fix it. XXXX month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before mjyu score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT WASA IS THERE PROBLEM TO FIX YET IM THE ONE WHO IS BEING HURT BY IT FOR XXXX MONTHS NOW ... IM GON NA MISS ANOHTHER SEMESTER OF XXXX BC OF THESE PEICES OF XXXX XXXX MY HARD WORK UP. BUT NO O NE WANTS TOO. i HAVE PAID XXXX XXXX DOLLARS  A MONTH TO BE BILLLED FOR SOME XXXX. THANK YUOU ... I WILLL NEVER AGAIN USE XXXX. tHEY ARE XXXX  WHO DONT CARE. PLLEASE MNAKE A fair sollution would be to remove it completely from my report. Its about 5 years old. but the main reason is for hte last XXXX months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i sllept in my car cus i couldnt sleep in the bed cus my wife was mad i dint pay this bill and my credit got XXXX ... .I wsas unable to start classes on time cus cus i was denied my loan after XXXX point decrease. So i missed thispast semester and this one and nex one all because of this mistake. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. 

i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad
Product: Vehicle loan or lease

US Bank is purposely making enrolling in auto pay very difficult resulting in late fees. Us Bank 's website is also misleading and causes storing of my checking account to delete its self further creating difficulty making on time payments.
Product: Debt collection

first off this account is not mine, the account was previously removed, and deleted. However, this company purchase the debt, and I recieved no correspondence or notification that they were pursuing for this account which once again is not mine until i saw it on my credit report. Im asking for a removal of the account from my report, I've included my affidavit as well, this has truly been an obstacle course, to rectify this matter
Product: Consumer Loan

I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
XXXX XXXX will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Product: Money transfer, virtual currency, or money service

Used XXXX to pay {$150.00} to a car transport company on XXXX. The company took my money, and never started the job. I have provided proof that I didn't receive these services as well as my XXXX  complaint to the bank twice and it has been denied. The transport company has blocked me from requesting my money back, and they will not respond to my calls or text. I have been with this bank for ten years and now I am out of {$150.00} they just keep saying that I shouldn't have used XXXX, which this is a real company and this is how they requested me to pay them. XXXX or not this is still fraud. They scammed me out of my money, blocked me, and never completed any services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last effort to resolve this matter before I pursue to taking legal action. 
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Product: Debt collection

Upon checking my credit reports this evening, I discovered XXXX fake collections accounts with random amounts assigned to Commonwealth Financial Systems. 

The first is for {$610.00} and the second is for {$53.00} I do not owe any medical bills and am more than ready to sue Commonwealth financial, as this is damaging my perfect credit! 

I recognize their name, as they previously attempted to place fraudulent charges on my wife 's credit report several months back, too. Those were removed of course, because they are FAKE. 

The only time in the last ten years that I have been to the XXXX 2010. Those charges were paid years ago by the XXXX insurance company, as per our attorney, XXXX in XXXX, NV. There are no outstanding medical bills under my name. 

Commonwealth Financial pulls this same scam on thousands of people and I want these fake charges removed immediately, or I am more than happy to rise to the occasion and file a lawsuit for damages!
Product: Credit reporting, credit repair services, or other personal consumer reports

In line with the Fair Credit Reporting Act section 605b, I am XXXX XXXX XXXX, and I am submitting this CFPB complaint as a follow-up to the prior one I submitted asking for the removal of the bogus accounts and information from my credit file. I've lately found a number of entries on my credit record that I neither authorized nor took part in. These things are seriously hurting my finances and lowering my credit score. A few credit accounts that I did not start, as well as a number of charges and loans that I did not request or get, are specifically among the bogus items on my credit report. These false items add up to a sizable total and have a bad effect on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXXXXXX Unpaid Balance {$90.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 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 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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. These items were the outcome of the theft of my identity. I asked you to email me copies of any ownership documentation or other proof you discovered throughout your search if you think these items are mine.