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

I am writing to express my frustration with a recent issue involving Zelle. I have seen the recent lawsuits and the CFPB highlighting concerns with Zelle, and I can personally attest to the problems. My funds were lost in a transaction, and despite my efforts to resolve the situation, they have never been recovered. The tracking process has been nearly impossible, and I've been unable to get a clear resolution. Given the concerns raised by the CFPB and the lack of support Ive experienced, I am seeking a resolution and would appreciate your prompt attention to this matter. I hope to either recover my lost funds or receive a clear explanation of the steps being taken to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This morning my father received a call from XXXX XXXX advising that I had submitted an application for a credit card. I called XXXX XXXX and they confirmed that there was a fraudulent attempt to obtain a credit card. I tried to freeze my account on Experian, and the automated telephone system did not allow me to speak to an agent. I followed the automated messages and went to the website, but I was unable to create an Experian account because Experian apparently has granted access to my information to a fraudster. I entered my social security and date of birth, and the Experian website advised that I already had an account XXXX. I have never had a XXXX account. Experian will not help me in shutting down this person 's unauthorized access to my sensitive, personal information. 

Thank you for your time.
Product: Credit card

This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws? 
3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately : Fraudulent Accounts to be Removed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail.

Additionally, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report : I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 around XXXX. I received a phone call from XXXX. The lady on the phone asked me for my personal info e.g. Date of birth. I told her with so much phone scam going on, i dont feel comfortable giving out my date of birth and other personal info. I also informed her that the {$100.00} balance was already paid by check on way to them. She told me that " now you are not going to have a good day ''. I feel this is a threat towards me and she is trying to give me a bad credit report because i dont want to give out my personal info over the phone. 
this behavior is very upsetting and she doesnt care i told her that the payment is already made, instead of asking me the payment details, she instead took the route to threat me. 
I want to report this behavior.
Product: Debt collection

On XXXX XXXX I received a collection notice from Caine & Weiner Company in regards to a collection account in the amount of {$340.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system.
Product: Money transfers

I used PayPal to send {$1500.00} to cover a {$1500.00} plus PayPal Fees. When paypal sent notification of the payment, I learned that I did not send enough to cover XXXX fees. I I called the PayPal customer center within 6 minutes of the transaction to cancel the transfer. Note : In the confirmation email sent to my by PayPal they stated that you can cancel within 30 minutes ( Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. ) When I called the customer service number provided they informed me that no matter what the email states, I could not cancel the payment. 
PayPal gave me a false sense of security by stating I had up to 30 minutes to cancel and when I called 6 minutes from the transaction they informed me that no matter what was said on the email confirmation they could not stop or cancel my cash transfer
Product: Credit reporting, credit repair services, 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 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

The number of times late that is being accounted on my credit report seems to be inaccurate and or deceptive.
Product: Money transfer, virtual currency, or money service

It was XX/XX/year> a Friday Friday I checked my bank account. I got paid about an hour after I checked it. I looked at it again. All my money had been transferred to an email address. XXXX. So automatically I called Chime my bank and told them about it and the first claim the first dispute that I had made they denied it so I did a second dispute and they denied that XXXX also and I told them that a week before this happened that my phone has been hacked. Someone hacked my phone number in my XXXX account asking people for money so I change my number change the passwords and everything so they were still in my in my phone, so thats about it. Thats everything Ive got and I got an email today from Chime saying they werent going to refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a Validation Request to XXXX, XXXX and Transunion with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from Transunion Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law! 
2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
XXXX ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question Nationwide Account # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS COMMITS XXXX DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Product: Student loan

I submitted my paperwork for 4 years in a row, certifying my public employment and was given no credit when my loan was transferred. I only have my new current positions credit with my new servicer. Navient did not send over any documents indicating I was enrolled in an IDR and I had certified my employment. They need to provide this information, I am having to go through a lot of hoops to prove my public employment and eligibility because they didnt send over the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.
Product: Credit card

Today I called discover to to fix my issue, however, the rep by the name of XXXX XXXX me when I requested a manager, I provided all the documentation for a dispute in the amount of XXXX Disputed on XX/XX/year> I never stay at this hotel I submitted a health issue with the local authorities government authorities regarding this hotel it was a risk for any consumer. I have communicated this to discover however they have the charge. 
Attached is the formal complaint for health issues against the business
Product: Mortgage

Can not refinance due to previous bankruptcy information. Also because of the poor credit score due to this and other factors.
Product: Credit reporting or other personal consumer reports

I submitted documentation that I was a victim of identity theft, to no avail. Documents included but limited to police report, Identity Theft Report with the federal trade commission, a affidavit, a letter listing fraudulent accounts, dates, and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lessington law is advertising up a situation where you don't have to pay your bills for as long as the colvig 19 is in affect I have tried to go through that process and I'm not getting any response at all I have called every day for 3 weeks to get this product and nothing has happened so I'm disputing that issue right now to upper management and alter the paralegals and the car to repair attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 inquiries listed on my XXXX and experian report that I DID NOT authorize. I called XXXX and Experian to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Convergent Outsourcing is in violation of -- 15 U.S. Code 1692c ( c ) 15 U.S. Code 1692g ( a ) ( 1-5 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692f ( 1 ) ( 8 ) 15 U.S. Code 1692b ( 2 ) & ( 5 ) ( See Exhibits )
Product: Credit reporting, credit repair services, or other personal consumer reports

I still can't login to my Equifax online account. Equifax still hasn't email or called me no resolution was done. What is happening with my account and credit file??? 

I opened several complaints already on this issue : XXXX XXXX XXXX
Product: Mortgage

I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX   EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX   STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS. 
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX  Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I've transferred XXXX $ via ACH into my Gemini account on the XX/XX/2021, the company froze my account next day, with out any prior notice, or even an email to explain to my why my account have been frozen out of the blue, I had already bought bitcoin with my the amount I transferred, with my account being frozen all my assets in my account were frozen as I well, I was not able to to trade or convert my bitcoin which started to fall and caused me a huge loss on my asset, the company then took a whole month to email me asking for a selfie of me holding my ID and then they stopped answering my emails
Product: Mortgage

Applied for loan on XXXX XXXX.Submitted all requested documentation within three days. Initial approval was on XX/XX/XXXX, no word from loan officer until I sent an email XX/XX/XXXX asking about delay. A insurance document was missing. Sent it. 

I received this email in response to is this all you need? 
On Tue, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote XXXX At various points during the loan process, we will send you information based upon regulatory requirements. 

I was told I would hear within 72 hrs. 

XX/XX/XXXX I asked again about the delay and for a decision within 48 hrs OnXX/XX/XXXX st I asked again and was told they couldn't proceed at this time, but the loan was still pending. 

The rate lock would expire on XX/XX/XXXX. They would not approve until after that date making the agreed upon loan terms void. 

At this point I'm out XXXX for an appraisal and XXXX for a demand letter and fax. There maybe other fees I will have to pay.
Product: Debt collection

National Enterprise Systems ( NES ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off inn XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked NES for debt verification as the lender has no record of any of my original debt. NES sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.