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

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the fact that there have been plenty of issues with the platform. Despite using Zelle multiple times and reporting the discrepancies of my issues my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but repeatedly continues to let repeat offenders to exploit the system and leave their users vulnerable to scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX  XXXX -POSSIBLE FINANCIAL INC. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Prepaid card

On XX/XX/2023, I purchased three XXXX XXXX XXXX ( XXXX  ) from a XXXX XXXX XXXX location. I loaded each card with {$500.00}. One card worked and two were already drained. On XX/XX/XXXX, Incomm mailed me two replacement XXXX  Gift Cards. Per the instructions on the letter provided with the replacement cards, I called Incomm to activate both cards. One card activated fine and I've already used the card. I have been unable to use the second card. After my initial call to activate the second card, I have called Incomm multiple times. The Incomm reps can see the declined transaction but insist the card is " active '' and it should work. It does not work and no one at Incomm seems to know how to fix the problem. Even though I purchased the gift cards together in one transaction, Incomm set up separate Case Numbers for each drained card and the replacement XXXX  came in separate envelopes. The two case numbers are XXXX and XXXX. I am not sure which case number applies to which XXXX that was sent.
Product: Debt collection

I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies
Product: Credit reporting or other personal consumer reports

XXXX XXXX and equifax is reporting a XXXX  late payment for XXXX and I was never late and they will not remove my late payment its very frustrating now
Product: Credit reporting

Previously disputed bankruptcy being reported on credit bureau. Was advised the information would be deleted and after several months the information remains.
Product: Credit card or prepaid card

At the end of XX/XX/2022, Comenity Bank apparently went through some kind of system update. Since that time I have not been able to use my XXXX XXXX. I have called and spoken to different reps who tell me they arent sure when my card will be able to be used. Ive messaged them privately on their XXXX page and commented publicly on the page - and continue to get the same automated response. Anytime I try to use the card it gets declined and I get a text that says declined for user lock control. I have never locked my card and when I check the account online it says the card is unlocked. I tried to make an online purchase at loft.com by giving the rep my card via live chat, and even they couldnt figure it out and I had to use another card ( where I wont get any rewards points because that is the whole point of using the store credit card in the first place ). If you look at Comenitys social media youll see that hundreds of customers are having the same problem. This is going on over 2 weeks now with no information about when this will be fixed and customers are not being updated at all! I work in the financial industry myself so I know this is unacceptable to not notify your customers of a system wide problem or be accessible to provide real answers.
Product: Checking or savings account

From the tenure of a valued customer of Navy Federal from the tears of XXXX, I have seen overdraft fees in my account and been a victim of the scam 's schemes Navy Federal .
Product: Student loan

I have been on a regular ( not income based or reduced in any manner ) for a decade paying around {$400.00} per month. My principal balance is {$12000.00} higher than the original a balance. I just cant fathom how this is possible.
Product: Checking or savings account

I open checking account in Citibank in XXXX and when I was opening the account I was told I need to have one direct deposit and one bill so I can avoid monthly XXXX $ fee and so I have setup my direct deposit and my bills. Recently I was reviewing my statements as saw Citibank is charging me monthly XXXX $ fee over a year at least from XX/XX/XXXX. On XX/XX/XXXX I was talking to a representative on Citi Mobile app 's chat and she told me my bill should be and I am quoting " Qualified bill payment is Automated payment services that can be set up at financial institutions. The customer need provide the bank and company with debit information and bill are withdrawn automatically out of a checking account and reported monthly statements '' and I told her that exactly what I did and she said let me check and never responded, so called them and told I have a bill and direct deposit and they told me they have a policy of returning only last 60 day not more and it is my fault because I did not check my statements previously ( which is correct If I check my statements I would have noticed ), but that does not change a fact they charge me incorrectly and they are refusing to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this inaccurate account for over the past year via USPS Certified Mail. ONEMAIN the information furnisher reported by XXXX  and XXXX  have been requested repeatedly to be updated, its last report date has not changed since year XXXX, which means this disputed account has not been investigated from neither. On this account XXXX  reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports an inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to. This is inaccurate reporting, ONEMAIN account needs to be updated immediately.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I have XXXX Chase credit cards. On XX/XX/15, I received what I thought was a replacement card. I went to my Chase app to activate the card. Then I noticed that I had XXXX cards! I never applied for a XXXX  card. I called Chase. I talked to a representative and he asked if I applied for this card. No, I did not. He was going to take care of canceling the card. It was very odd, he asked me what my full social security number was. I did not give him my social security number. When I went on my Chase app later on the card was gone.
Product: Debt collection

Company did not or has not sent me any notice of the debt. The debt popped up on my credit on XXXX/XXXX/2020 without notice. Upon investigation I found out that they are a 3rd party agency collecting on a debt that has been proven to be an identity theft account from Colorado XXXX University. I have never attended that university and the federal loans associated with it had been dismissed. This is a FRAUD account and illegal account and attempt to collect an illegal debt. Placing it on my credit without an opportunity to contest is illegal, attempting to collect an identity theft account is illegal. Remove this account from my credit and stop all collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # 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
Product: Credit card or prepaid card

Bank of America took advantage of me at a time 'where every company in America was helping everyone else out. I am a XXXX XXXX XXXX who was effected tremendously by the Covid-19 Pandemic. as the owner of a XXXX XXXX XXXX XXXX i was out of work from XX/XX/2020 until about XXXX of this year. i notified all of my credit cards/mortgage company of this and each and every one of them including bank of America put me on the Covid relief program where i didn't have to make payments if i was unable to but this wouldn't effect my credit until i was able to get back on my feet. 
With each program they ended after 90 days, so back in XXXX I was notified I needed to update my status and let BOA know if i was back to work. I wasn't at this time so after this call i was put back into another relief program or extended as they call it. so fast forward to Late XXXX this past year. i was forced to sell my house due to the pandemic and work not coming in and not being able to gather all funds from previous months skipped due to the pandemic. i notified all my creditors that i was selling my home and i was going to be using the profits to pay my debts. everything was great until I contacted Bank Of America. To my surprise i was informed that my credit cards were closed. I was told that there was a form I needed to sign in order for the extension to take place. I didnt receive any notification stating any of this or that my account was past due. All along I thought I was protected. This scenario effected me in ways i never imagined. When i sold my house i learned my credit score for the first time in my life was in the low 570 's because of Bank Of America. I was unable to establish living due to this and was forced to move in with family until I could fix my credit issue. 
This scenario hurt in many ways especially with my credit but also because i worked for Bank Of America for 14 years. One of the Two credit cards which was closed first but wasn't actually later on payment than the other was an associate credit card which was grandfathered and had a low rate which was fixed and will never be available again. Never in my life was i late with payments i always established a Overall Respectable credit score I worked so hard to establish. At a time where these big banks should be helping those who were effected by the pandemic such as myself they did the complete opposite. They took advantage of me at a time where I was hurt most. I did my part i made calls and even after the fact have gotten in contact with BOA and I am unable to get any assistance they just put the blame on me. I don't understand how to start this program I never once had to sign a form but to extend it I did. I never received the form. I also would never not sign something that would benefit me there was no downside to this. Its not right what Bank Of America did to me and even worse they don't care to listen. They could see my credit history and payment history I had these cards for over 13 years. they are to big to care about the little guys and its not right because this has really effected me in more ways than one.
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 Number:XXXX Account Name : XXXX 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: Credit card

For weeks in XXXX all Comenity avenues for paying Comenity credit card bills and accessing accounts were 100 % down and inaccessible. When they were finally back online, my XXXX credit cards with them ( XXXX and XXXX XXXX XXXX ) both had late fees added even though the late payments were due to their outages. For months, Comenity continued adding additional fees and interest onto those late fees. Comenity proceeded to harass me by phone - calling multiple times a day every single day, for months, to " collect this debt ''. I told them to stop calling me and that the only communication I would accept from them would be through mail, in writing, so I could have a paper trail. They stopped calling, but never sent me anything ; however, my bills continued to grow and accrue new fees and interest. In XXXX XXXX XXXX, I submitted a complaint through the XXXX  website with this information and requested that these wrongful fees be removed, that I receive clarification on the final amount I owe ( minus those fees ), for the derogatory remarks to be removed from my credit report, and for both accounts to be closed. 

Finally, on XX/XX/XXXX someone from Comenity thankfully finally responded to me by mail as I had been asking and fulfilled my request entirely. The wrongful fees were removed, the derogatory remarks were removed from my credit report, I was given an accurate payoff amount for my XXXX card ( the XXXX XXXX XXXX card was at {$0.00} ), and both accounts were closed. On XX/XX/XXXX, I paid the agreed upon amount and brought the account to {$0.00} and thought this was finally all over... 

Until I started receiving " Your account is past due '' emails again a couple of months later. As it turns out, Comenity had added ANOTHER {$2.00} " late fee '' to my paid off {$0.00} balance on my XXXX statement. This {$2.00} late fee has been accruing new fees and interest ever since. I sent a secure message to Comenity through my online account with them on XX/XX/XXXX asking them to make this right and decided to also go back to XXXX  since that helped to resolve things the first time around. Unfortunately, their response to me on XX/XX/XXXX by mail, and an even longer online response on XX/XX/XXXX that I just saw right now, is saying they can't remove these fees because " my account is closed ''. They are saying that if I don't pay the current balance ( consisting only of their fees ) of {$180.00}, that they will continue to tack on more interest and fees. 

I am very exhausted from dealing with Comenity. This dispute has been ongoing for almost XXXX years now and I just want it to end. I don't owe even a XXXX of this and am at a loss of what to do anymore. I just want them out of my life.
Product: Student loan

I HAD WAS ATTENDING XXXX IN 2002 AND WITHDREW FROM SCHOOL DUE TO COMPLICATIONS OF MY XXXX. I RECEIVED A LETTER FROM NAVIENT STATING MY LOAN WAS IN DEFAULT AND IT WAS SOLD TO XXXX. MY PREVIOUS SERVICER WAS NAVIENT. SO I CREATED AN ACCOUNT ON XXXX AND IT HAD THE SCHOOL NAME OF XXXX LOCATED AT XXXX XXXX XXXX # XXXX, XXXX TEXAS XXXX WITH NUMBER LISTED AS XXXX. I NEVER ATTENDED SUCH SCHOOL, I ATTENDED XXXX. WHICH XXXX CLOSED DOWN AND TEXAS GURANTEED STUDENT LOAN CORPORATION SAID XXXX SOLD ITS LOANS TO THEM OR SOMETHING TO THAT ASPECT. I ASKED FOR A PROMISSORY NOTE FOR XXXX XXXX, BECAUSE I DID NOT ATTEND THAT SCHOOL. SO THEY HAVE ME PAYING MONEY TO A SCHOOL THAT I DID NOT ATTEND AND NEITHER SCHOOL IS OPEN IN XXXX TEXAS. WHAT ARE MY RIGHTS AND HOW CAN I GET THIS OFF OF ME. I WAS NOT NOTIFIED THAT THEY SOLD THE LOAN, AND I READ THAT THE SCHOOL XXXX CLOSED DOWN ONLINE. CAN THIS BE DISPUTED AND I NEED TO KNOW WHAT ARE MY RIGHTS. BUT, I DID NOT ATTEND XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX, XXXX XXXX XXXX enticed me, a personal consumer, to patronize their " XXXX XXXX XXXX XXXX XXXX  '' ( formerly " XXXX XXXX  '' ) streaming service with a " {$10.00} ( plus 10 % tax rate ) '' ( {$11.00} ) offer as long as I initiated and maintained a phone plan and mobile carrier services from XXXX XXXX XXXX. I accepted this offer and authorized monthly charges in the amount of {$11.00} to my Bank of America 'Cash Rewards Visa Signature ' credit card. XXXX XXXX XXXX has unilaterally increased the {$11.00} charge to my credit card on multiple occasions. The {$11.00} charge for " XXXX XXXX XXXX XXXX XXXX '' services was increased in XX/XX/XXXX to {$16.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$26.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$37.00} and every month thereafter until XX/XX/XXXX when I was charged {$63.00} for a single month of " XXXX XXXX XXXX XXXX XXXX   '' services ; this most recent charge in XX/XX/XXXX captured my attention in an alarming manner. The only change to the main stipulation that required me, as a personal consumer, to maintain a phone plan and mobile carrier services from XXXX XXXX XXXX, that I processed ( without being informed of the possible impact to the {$11.00} " XXXX XXXX XXXX XXXX XXXX '' service rate authorized ), occurred in XX/XX/XXXX when I purchased a brand new XXXX XXXX phone device from XXXX XXXX XXXX and added a new line ( new service lines in addition to my preexisting service line since XX/XX/XXXX from XXXX  XXXX XXXX ). Since that XX/XX/XXXX transaction, I've been charged the {$37.00} increased amount beyond the {$11.00} authorized amount, twice and then in XX/XX/XXXX charged a {$63.00} amount that captured my attention and to which I reach out to XXXX XXXX XXXX ( refer to correspondence attached ) and processed an immediate cancellation of " XXXX XXXX XXXX XXXX XXXX '' services. The only explanation offered by XXXX XXXX XXXX for their unilateral increases to authorized {$11.00} charges was that " the price increase as subjected to market value and the raising costs from the channel provider '' ( refer to correspondence attached ).
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 Days Late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Experian has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts. Experians failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure Experian complies with its legal responsibilities. 

SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 compliance letter sent to Experian to correct inaccuracies with full detailed technical statements.