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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions 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. 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

at XX/XX/XXXX ... I made a request to Rushmore Loan Manage through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XX/XX/XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to XXXX company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
XXXX confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Product: Checking or savings account

I was basically scammed. I have XXXX ach fee charges, when I had money in my account. I was told that in a weeks time I would get my money back and still havent. I e talked to XXXX supposed agents and still no results but empty lies. I lost $ XXXX charges that should have never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies.

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

XXXX. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the XXXX 2017 Equifax data breach, and my attempts to mitigate the risk attached with this. There is no reasonable course of action possible for me to offset the risk of the data breach without myself incurring a financial cost. In other words, I as a consumer am being punished financially - not only in the form of potential future identity theft - but also directly in the form of Freezing/Unfreezing fees across the three credit reporting agencies. As a married couple in Colorado, it is completely unacceptable to have to pay {$60.00} any time we want our credit report unfrozen. Anticipating that this will need to be done numerous time throughout our lifetime, this represents a substantial sum.
Product: Debt collection

I filed an Chapter XXXX and learned for the first time that I owed Santander. I reached out to Santander to learn that the purchase debt from Gateway One Lender that had been paid in full. I explained to Santander that the account was paid in full at Gateway Lender, they did not want to hear that. And states that they would not be removing the claim from my chapter XXXX claim. This claim was filed fraudulent and should have been removed upon request and should have never been sent. My original claim was with CFPB on XX/XX/XXXX claim # XXXX which clearly states that the car was paid in full and I also, have the title to the car. Please refer to the attachment that has been attached. this attachment was from Gateway One Lending. 

Between Gateway One Lending and Santander, you need to take full responsibilty for fradulently reporting a claim that you are not entitle to. As Gateway One was paid in full in XX/XX/XXXX. Why would you be placing a claim in XX/XX/XXXX for XXXX. 

I do not owe you or Gateway One Lending anything as this was paid in XXXX. Please stop reporting fradulent claims.and send a letter stating that you have removed this claim for my chapter XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries collection with I have attached the Us codes and do to the data breach. And anything I ask them to do under the law FCRA they always come back with a lie. I will attach everything later what is the FRCA if it dont work most of these creditors the sold my information to I never sign anything to give them the wright to share and put things on my credit report. I look forward to working with you guys to look over on my behalf
Product: Money transfer, virtual currency, or money service

1 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX, XXXX # XXXX date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  ( original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loans or leases Total balance : {$16000.00} TOYOTA MOTOR CREDIT Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with Toyota XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called Toyota XXXX Friday, XX/XX/XXXX to find out why the Toyota loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. Toyota XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent XXXX coin from my trust wallet to my Binance.US account. I did not include my memo when transferring my XXXX, I sent XXXX XXXX to my binance.US account. I filed a support ticket with binance.us to recover my funds and i was told it would be recovered.I have received 2 emails saying binance is working on it. Its been over a month and no sign of my funds. I know it takes a awhile but I have seen a lot of people waiting on funds for a long time.
Product: Debt collection

It says an account was opened on XX/XX/XXXX with the account number of XXXX. The account is in coll and was last updated on XX/XX/XXXX. The account holder is XXXX XXXX out of XXXX, XXXX XXXXXXXX. I have not had any contact with this company ever and I've tried for a whole year to allow them to fix this error. The original company is XXXX XXXX and they can not show me the original contract or a copy of my identification to show where and when the alleged account was made. This account is for XXXX and it is due to identity theft. This issue is affecting my lively hood and needs to be corrected as soon as possible. I also have inquiries and addresses that are not mine. The inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. This information doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Good day this is requesy to dispute negative itme reported by XXXX XXXX on mu consumer report at early warning service
Product: Credit card or prepaid card

I received a notice in my email on XX/XX/2023 that someone had applied for a XXXX XXXX XXXX XXXX Credit Card. I did not apply for this card!!!! I Called and talked to XXXX at our local Bank Of America today XX/XX/2023 at XXXXXXXX XXXX he said to contact the credit bureau and they would remove the hard inquiry. I contacted XXXX directly afterward on XX/XX/2023 at XXXXXXXX XXXX  and they said they would remove the hard inquiry in XXXX hours. But they said they DO NOT contact and WILL NOT contact Bank of America. I placed a credit freeze on my account and informed them I had a police report from XXXX where someone had tried to open 2 bank accounts and cards in my name.
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 XXXX Account XXXX XXXX XXXX XXXX Account XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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

After trying to file a dispute on Equifax 's website it gave me some security questions sp they could " identify the proper account '' none of the questions even applied to me so I couldn't even file a dispute. I called Equifax aaaand told them what's going on. They again asked me some questions to " identify the proper account '' over the phone. Once again none of the questions applied tho me and I was told " sorry we can't help you at this time ''. I'm not sure how a credit agency can determine my credit score when they don't even have the correct information.
Product: Credit card

Case ID XXXX Name XXXX XXXX XXXX Macys Credit card # last XXXX digits XXXX Total amount {$440.00} Police Case # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Order made online at XXXX XXXX # XXXX. on XX/XX/ According to Macys, merchandise was left at a secured location, but the tracking numbers stated was supposedly left at the front door. 
Is very disrespectful for macys to blame me for their mistake by wanting to charge me a merchandise never received.
Product: Credit reporting or other personal consumer reports

Ive tried to dispute 2 negative items from a company named XXXX XXXXXXXX XXXX XXXX with Equifax because the debt they claimed I have I provided receipts from the hospital stating my insurance paid for this debt & that I had a XXXX balance. I sent them verification letters & receipts. They responded verified because they sent me my personal information regarding my XXXX test and lab work I received at the hospital. Not proving any debt, yet breaking major HIPAA Laws. This company has tarnished my credit for years with this debt. I plan to take further action or sue.
Product: Credit reporting or other personal consumer reports

Move to dispute all hard inquiries reported by trans union, XXXX XXXX XXXX. Was told they were just collecting data and running credit report. And information will have no effect on credit report. They were doing soft pull of information.credit report. Incorrect reporting of XXXX XXXX filing pending status with notice of Motion of dismissed granted XX/XX/year>.
Product: Student loan

I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. Easy Peasy. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative _employer number ( XXXX ).
Product: Vehicle loan or lease

In XX/XX/XXXX I entered into an agreement with Santander for an auto loan in the amount of {$23000.00}. I made payments for about 1.5 years on time before I began to experience severe illness that put me out of work. I had to wait to get approved for XXXX XXXX XXXX, which is why the XXXX & XX/XX/XXXX car payments were late. Once I started, I began to pay on time for 5 more months before I lost my job completely. Because I had no income, the loan went into default. The vehicle was repossessed. I know the vehicle was sold but there is still a balance of $ XXXX owed. That doesn't make much sense and I can not afford to pay that. I can afford to settle the debt for {$1000.00}. Unfortunately, I can not afford to pay anything else. The debt is now going on four years old. I just wan na settle and get it {$0.00}.
Product: Credit card or prepaid card

comenity bank in Violation Of American Disability Act and The Fair Credit Act close my credit card with no warning and affect my credit score. In addition the allegations is the I have to many credits inquiry. But they are discriminating against my XXXX, my race and age. I need for CFPB to submit my complain to the OCC, THE FEDERAL TRADE CONSIDERACION AND ALL OTHER FEDERAL AGENCIES INCLUDING BUT NOT LIMITED TO THE UNITED STATES OF AMERICA DEPARTMENT OF JUSTICE. AND I NEED A COMPETITION From Comenity Bank for the amount {$340000.00} do to the fact that I was going to buy a house and my credit score is below 600 because of the closure Comenity Bank Trade Line. This Request Is In good faith. If I don't get results I will not hesitate to go to the Federal Court. And Submit Lawsuit against Comenity Bank. 

Att : XXXX XXXX
Product: Debt collection

I did not know about that collection account southwest recovery. I never receive any phone call or latter. This account is not one of my accounts that may be opened due to identity theft. So I would like to dispute both accounts from all of the credits bureau.
Product: Credit card

Employee told me, the customer, that the store card came with a no-interest, promotional financing plan when, in fact, the plan charged monthly financing fees. I eventually found out about the applications only after receiving a card. 
Im aware that XXXX XXXX was slapped with {$11.00} XXXX penalty for shady store card practices back in XXXX. They are doing the same thing now.
Product: Credit reporting or other personal consumer reports

Good day, please read this complaint seriously. There are erroneous information on my credit report which are really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding my account with Opportunity Financial ( XXXX XXXX ). I have noticed that I have not received the Form 1099-C, Cancellation of Debt, which I believe I should have received following the write-off of my account.

According to the IRS guidelines, a cancellation of debt of {$600.00} or more must be reported on Form 1099-C. Since my account was charged off, I expected to receive this form as required. However, I have not received it, which raises concerns regarding my tax reporting obligations.

Failure to receive this form creates considerable uncertainty for me regarding how to accurately report my finances for the current tax year. I would appreciate your prompt attention to this matter and request that you provide me with the 1099-C form at your earliest convenience.