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

Zelles handling of disputes is deeply concerning, especially in light of the recent CFPB lawsuit exposing significant flaws in the platform. Despite reporting multiple discrepancies with my transactions, neither Zelle nor my bank conducted an adequate investigation. Instead, I was told that recovering my lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has failed to protect consumers, enabling repeat offenders to exploit the system. This lack of accountability and transparency is unacceptable and leaves users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Experian Credit Report is reporting a account on my credit file from a company named XXXX, this account does not belong to me and I have requested documentation such as the original contract, paperwork etc that proves this account belongs to me. I have requested this information several times for the past 3 years. This account has been reporting on my credit files almost 7 years. XXXX and XXXX has already removed it from their files. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act The company name is XXXX under account number # XXXX
Product: Debt collection

Threatening to garnish my wages from a debt that I have no clue about, calling family members continuously. Want to know my employememt, and address.
Product: Credit card or prepaid card

I purchased two XXXX  Gift cards, one in the amount of {$300.00} and the other for {$150.00}. I did not use cards immediately. When I tried to use the cards I was told there was no value in the balance. I went to Wells Fargo in XX/XX/XXXX and asked them why the confiscated my cards. They made a call to XXXX who stated they had " Unloaded Value to Customer Service Application '' what ever that is. On the first card # XXXX XXXX XXXX XXXX they claimed they had mailed a check. I told them I received no check, to which they stated I cashed it. I requested proof but XXXX declined. On the second card, # XXXX XXXX XXXX XXXX, they said they would mail a check, however again I received no check. XXXX  confiscated and stole this money from me because I did not use them. However the expiration date on card # XXXX XXXX XXXX XXXX XXXX is XX/XX/XXXX and the expiration date on card # XXXX XXXX XXXX XXXX is XX/XX/XXXX
Product: Credit reporting

I am a victim of identity theft and fraud. I attempted opted out of pre-screening on the XXXX of XXXX, and suddenly I could not gain access to Experian to check my credit report. I tried to open an account with creditchecktotal to see all of my credit reports and was not allowed to do so. I then attempted to see all XXXX reports on XXXX 's paid credit monitoring service that I pay for each month, and once again I was not allowed to view a tri-merged report. I contacted Experian and was told that my social security number has an alert on it and I will not be able to access, view, or dispute any items on my credit report from Experian. When I inquired as to how long I was told that there was no answer that could be given to me. I have been locked out of my account for 3 weeks now with no method of relief or appeal to dispute financially impacting negative items and inaccurate information on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several loans with the Department of Ed/Nelnet. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over XXXX XXXX XXXX and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/Nelnet and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

My loan was sold from XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, around XX/XX/XXXX. The servicing was transferred from XXXX XXXX to BSI Financial in XX/XX/XXXX. XXXX XXXX removed all funds from the escrow account just prior to the transfer, both parties failed to notify me of the transfer, and XXXX XXXX kept the first 2 mortgage payments owed to BSI Financial, instead of forwarding them to BSI. BSI Financial has failed to credit me for 20 mortgage payments that have been provided to them in the form of personal checks and cashiers checks. There are 5 unapplied payments from XXXX, 11 unapplied payments from XXXX, and 4 unapplied payments from XXXX. Their unwillingness to credit payments received forced me to place future payments in a separate escrow account. BSI has been unwilling to provide a legible accounting, discuss the accounting, credit the unapplied payments, or correct their accounting, and forced me to file a lawsuit in state court, case # XXXX-XXXXXXXX XXXX XXXX BSI failed to answer any interrogatories requested within the case or provide any documents. State Court allowed all causes of actions against BSI including multiple RESPA violations, to proceed. I filed a Motion to Compel against BSI for failure to provide discovery. Subsequently, BSI removed the case to federal court on XX/XX/XXXX, and the case # changed to XXXX. BSI Financial continues to manipulate the system and add exorbitant attorney fees and costs to my account. BSI Financial is in violation of the CFPB Consent Order # XXXX dated XX/XX/XXXX, in which they promised " to establish and maintain a comprehensive data integrity program to ensure the accuracy, integrity, and completeness of the data for loans that it services, and implement an information technology plan to ensure BSI 's systems are appropriate given the nature, size, complexity, and scope of BSI 's operations. '' They continue to commit the same violations, and BSI Financial must be held accountable.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - late/closed XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I went to capital XXXX bank to close my CD. I was they can not close my CD I have to call the corporate office. Same day I called and canceled my CD. I was told I will be receiving my check ( over {$200000.00} ) within 10days. After 10days not receiving the check I called they told me to wait few more days. After few more days I called and said it's better to put stop payment on this check because I still haven't gotten my check. Representative said okay will stop payment on this after couple days we will send you a new check. Again after couple days I called, I was told the check is on the way, you will get it in 5 business days. After 5 days not receiving check yet I called again and spoke with the manager he tells me I need to sign the affidavit before they can send me a new check ( I asked why the last representative that I spoke to 5days ago said my check is on the way, but I didn't get the answer for that ). So now I said fine send me the affidavit form and he said he doesn't have the blank affidavit form he needs to ask the back office to send me the email and I should receive the email by end of the day. I didn't receive the email I called next day, and I got the same answer. I called again and again asking them to send me affidavit form in the email, but no luck, so that happened few times again I spoke to the manager and said I have not received my check and you guys are not sending the affidavit form to take proper action, this time I told the manager to call the back office now because I need the affidavit form. Manager said he doesn't have number for back office they can only send email. I finally gave up!! And after few days I get the affidavit form in the post mail which should have been received long time ago in the email. So I filled out the form and emailed to the bank and I get a call from capital one bank that they have received my check but unfortunately they have to wait 95 days before they can send me a new check. I asked the lost check has that been blocked ( stop payment ) the representative response was not sure I believe so. PLEASE HELP I DONT KNOW WHAT TO DO NEXT. NEED THE FUNDS FOR AN INVESTMENT. I DONT WANT TO LOOSE THIS OPPORTUNITY BECAUSE OF CAPITAL ONE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 Complaint ID : XXXX Company responded : Regarding the address, it can not be removed, as it is currently being reported by data furnisher ( s ) currently displaying on your credit report.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.

A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA.

This inaccuracy is causing Statutory damages and all my rights has been violated. 

with that being said it is your duty to provide accuracy of information related to consumers I request the removal of Address ID : XXXX. 4th and last attempt before I proceed with legal compensation.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Product: Debt collection

In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of Bank of America in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed Cash Rewards Card and has forwarded a fraudulent debt in that amount to XXXX XXXX XXXX for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of SSNXXXX RE : XXXX XXXXI 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Product: Debt collection

XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help me.
Product: Checking or savings account

Usaa made several errors on my account when instructed to make a scheduled transfer of XXXX. 

They instead tried to pull XXXX Thereby holding XXXX for not being there And stealing XXXX in return fees which was actually my transfer. This means they stole my original transfer of XXXX and evaded paying it back as they chalked it up to return fees for a false number XXXX. 

I called and they claimed they just sent it back to my external account but they did not. Its not there. 
However they left a XXXX negative balance. On the form it says ( XXXX ) XXXX. 

There errors show on the bank report and reflect irresponsible behaviors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX  XXXX ( This is not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Cancelled in XX/XX/2021. Paid off the last of the fees. Residual balance from interest that was paid but then they added the annual fee after cancellation in XXXX. Called and said I'd pay the residual interest around {$80.00} which was paid and they were supposed to cancel the fee and the late fee because these were applied after cancellation. First call was in XXXX about cancellation and late fees. {$84.00}. In XXXX, I called about regarding the late fees applied after cancellation and confirmation of cancellation. I called citi who then transferred to a supervisor at Citi who then transferred to an XXXX XXXX agent who then transferred me to a third party of citi bank based in XXXX but that third party was never identified. I filed two disputes because these charges affected my credit report, but to no avail. The latest dispute was filed on XX/XX/2021 to correct my credit report and reflect the account closure in XXXX and no late payments or fees were legally applied since they were after account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the company over 45 day regarding unauthorized inquiries. Still no up date on my report. Every inquiry on my report is unauthorized.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.
Product: Debt collection

This debt is should not be reported on my credit reports. I stopped seeing this Doctor at XXXX Hospital in XX/XX/2012. My life was in jeopardy and so was my unborn child. I never got to see the Doctor only the Nurse Practitioner. I was XXXX years old had XXXX. I was 5 or 6 months into my XXXX and these care givers had not even referred me to a XXXX doctor. On several occasions that I visited the office my Dr. that i was supposed to see would be setting in her office drinking coffee!! Before changing DRs I had been making extra payments that were arranged by their office to meet my insurance deductible. In XX/XX/XXXX I decided that this staff did not have my best interest at heart and switch Drs at this time all payments were made to the XXXX Hospital I had a XXXX balance. The Drs would not allow me to even see the Dr I was previously seeing before I became XXXX!!!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00}
Product: Student loan

There are anywhere from 30 to 40 loans listed with late payments on my credit report. My loan has gone from XXXX XXXX to Navient/XXXX XXXX XXXX and now, since I am a XXXX, XXXX will be managing my loan as part of the Public Service Loan Forgiveness Program. I no longer have any understanding or control of my credit or a signed contract to reference all that is happening to my credit as a result of my students loans completely overwhelming my credit profile and the poor servicer management of it ; however, the Fair Credit Reporting Act prorects me and allows me to know exactly why something is being reported on my credit. As a result, I am demanding that XXXX XXXX/Navient/XXXX XXXX XXXX send me VERIFIABLE PROOF as to every single late that is being reported on my credit profile. If this can not be provided, as afforded by the Fair Credit Reporting Act, every single loan on my profile must show as current. As a XXXX year old XXXX approaching an early retirement to care for my sick mother, I need this completed immediately.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC has a collection on my credit report. 

I am not liable for this debt with LVNV Funding LLC. I don't have a contract with this collection agency. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 The report shows that I was suspected of fraudulent activity, and I was the victim of a scam and not the perpetrator. I was told by Bank of America that a fraudulent check was deposited into my account which I had no knowledge of. Bank of America never reached out when this happened, but I received a notification from the Bank of America mobile app stating that a check was deposited into my checking account. I noticed I couldnt log into my mobile banking, so thats when I contacted Bank of America and they confirmed that the check that was deposited into my account was fraudulent and they will close out the account but, they also stated that I can no longer bank with them. Any other time, if there was suspicious activity, Bank of America would either call or text my mobile phone to verify if the activity was me but that did not happen this time. I have no knowledge of the fraudulent check that Bank of America reported was deposited into my account. To my knowledge, my debit card/bank account information was not compromised so Im not even sure on how this happened. I was not involved at all and if this dispute is declined, I am requesting for an investigation that will make Bank of America have to provide proof that I was involved which is not a fact.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX