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

I am writing To formally expressed my concerns regarding Zelle, handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transaction was unfeasible. 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 vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago, I tried to login to Experian to see if my credit information matched with XXXX XXXX. I was having difficulties logging in. Experian was asking me to verify myself ( after the process of name, address, SSN, etc ) it asked what company I have a mortgage loan with/student loan/car loan. I answered does not apply to all of them. Because I do not have a student/car/mortgage with anyone. Experian then told me they could not verify me. I tried again, recieved similar question, I chose the same answer. Experian then gave me the notification that I needed to call. 

I called, the person had a bit of trouble verifying me, but was able to since they had my main address from XXXX  in XXXX. I live in XXXX  now. My credit score was above XXXX. Yesterday I recieved a notification that I had no credit. So I immediately logged in and seen I had no credit and no accounts. I had 2 accounts. One credit card with XXXX  XXXX XXXX XXXX. That closed. I was also on a XXXX XXXX Credit Card as a joint signer. I don't understand how I went from having credit above XXXX to having XXXX credit?? I worked so hard with my first credit card to establish credit ... ... and now it's gone. All of the credit reporting agencies show XXXX and say I never had credit. I am so confused and so mad and upset. 

What do I do? The person that assisted me from Experian seemed to not care and was unable to help me.
Product: Debt collection

XX/XX/year> I called IC Systems more than once. They cant pull up the account. I was able to get information as to the address of where the service was rendered. It was listed in a city of XXXX GA.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 I disputed a collection account. Equifax did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. Equifax is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Equifax does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent Equifax in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Equifax never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in Capital One Auto Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By COAF to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Product: Debt collection

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below
Product: Checking or savings account

Unfortunately I do not have the exact date saved when this incident occurred. It was around XXXX years ago and just after I got married. It all started when my wife and I wanted to start our transition after getting married to start a joint bank account. At the same time we were both in grad school and receiving excess financial aid checks from our school. The school sent me a check but sent it to a previous address I lived at before I moved in with my wife. I notified the school and they canceled that check and sent out a new check to my current address. 

The initial check ended up being forwarded to my new address. At this time I didn't know it was the old check and I tried to deposit the old check into my XXXX account and overtime I found out that the check was denied and that was when I was notified of fraudulent activity with my account. I did reach out and talked to a banker at a XXXX bank. This is when they told me that I was accused of money laundering and that my account was closed. The banker at the time told me I would not be able to open a checking account for a year even after explaining to them and showing the bank that the money was all financial aid checks from grad school. 

Now XXXX years later my wife are trying to open a joint checking account with a completely different bank and I am still unable to open an account because of this label/block that was placed on me. I did on XX/XX/2022 stop in a XXXX bank to discuss opening an account and appealing the money laundering accusations, but was denied. I asked the banker at the time for records from the initial accusations of my checking account and they were not able to give me records to show the activity that they accused me of. 

This was when I was told about XXXX XXXX and to come here for help.
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 NUMBERXXXX ) 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked CREDIT COLL XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect
Product: Student loan

Since XX/XX/2018 I have been trying to defer my student loans due to hardships. Conduent requested documents and each time I sent in a document they said it was not good enough or did not have the enough information. In the past when defer my student loan those same documents worked just fine period now because they have dragged the situation out this long my loan is now in default. I have no information of who to talk to about getting my student loan to a current state. I was even told I have 13 months left for hardships. When asked I Conduent who will be taking over my account they said they had no information I should just wait for a phone call from the lender.
Product: Credit reporting or other personal consumer reports

I have documents starting that what Kawasaki is reporting is inaccurate and sent in the proof but it was not properly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian tried to extort monthly fees for services that are free. When I cancelled my account with them they unlocked my credit report. When I called to freeze my report via phone they refused to do so three times. I had to make four phone calls to get a person to freeze my account and now Experian continues to send me numerous unsolicited email and text daily to try to get me to give them my credit card force me to pay to continue their services that are free as described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my XXXX   report causing my credit score to drop over 28 points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my XXXX report which has negatively impacted my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following hard inquiries done on my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also contacted the above companies and they told me to contact Experian yet Experian refuses to comply with the above removals . 

This information is erroneous and against the law. I demand it please be removed immediately.
Product: Debt collection

On XX/XX/2018, an associate at XXXX XXXX XXXX contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.
Product: Checking or savings account

I signed up for a joint checking and savings account on XX/XX/2018. The offer at the time was for a {$400.00} bonus if I kept {$15000.00} combined in the accounts for 60 days, and the bonus would be credited to me within 90 days of time interval completion. This means the latest date the bonus should have been credited was XX/XX/XXXX. As of XX/XX/XXXX, no bonus has been credited. I have contacted Citibank on XX/XX/XXXX to check on the issue and I was promised that the bonus would be credited by XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again because the bonus was still not credited. A case was opened on my behalf and I was assured that I would have a response within 2 business days. I received no communication from the bank regarding this issue in those days. I contacted Citi again on XX/XX/XXXX, and was told that the case was received and established that I was eligible for the bonus, and that the bonus would be credited to me within 3 business days. 3 business days have since passed, and no bonus is pending or posted to my account. I feel I have been very patient with this issue and I am extremely dissatisfied with Citibank regarding the process.
Product: Debt collection

I moved into an apartment in XXXX and moved out in XXXX of XXXX due to my domestic XXXX situation, when I originally moved in XXXX which is social services gave my landlord a security voucher form which will cover all fees that might happen after I moved out this was an agreement they had together and XXXX was the one responsible for my security deposit this is how I was able to move into my apartment since I am low income at the time. Fast forwarding now I see on my credit they have added a collection to it and I tried multiple times to dispute this because I was never responsible for this debt and also XXXX sent out the checks to them and they already been paid prior I even had them send out new check XX/XX/XXXX which now they have been paid twice for the damaged they are claim in the amount of XXXX $ times XXXX. 
This is unfair how XXXX, XXXX XXXX and XXXX, did not properly investigate this matter and this is effecting my credit that I have worked hard for since I was XXXX XXXX XXXX. This is mentally and emotionally draining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts.

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Experian violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Experian stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Experian, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of the violation of law and refuses to remove this trade-line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want XXXX, TrasUnion, and XXXX to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish an account without my written instruction.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : XXXX Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Wells Fargo charged me so many unnecessary fees and opened and closed so many accounts with out my knowledge that I finally gave up and moved to XXXX. They have my old address so I may have been sent notification but I moved. I know I still have bank statements showing their wrong doing CONSTANTLY! Will work on finding old statements now
Product: Debt collection

Collection agencies are buying off a fraudulent debt from 10 years ago apparently and have ways of renewing a debt that was never owed.
Product: Credit reporting or other personal consumer reports

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that Experian, XXXX, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 

In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.