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

Iam writing to formally express my concerns Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reported discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me thst recovering lost funds was impossible and thst tracking these transactions was infeasible. 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 consumers safety
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Payday loan, title loan, personal loan, or advance loan

Approximately XX/XX/2024 or so, I contacted World Finance Corp in XXXX Missouri to inquire about their advertisement of doing tax prep for individuals and their offer of a refund anticipation loan where it was advertised as being fee free. I was told there would be no fees associated with this product and so I allowed them to do my taxes. I sent in all my information through the internet and later that day went in to the office in XXXX Missouri to finalize this loan. I was never allowed to see any paper work when I went in to the store. I again asked at that time about the cost associated with this loan and was told it would cost nothing as long as I filed my taxes through them and if I allowed them to take the amount of the loan from my refund which i was told would be {$1000.00} plus {$39.00} for the opening of an account in my name through their XXXX XXXX for a total of {$1000.00}. The remainder of my refund would be given to me by check when my refund arrived. I was not one time told of any other fees for taking out this loan. A electronic pad was put in front of me where I was told to sign my signature. I could not even see the signature I was signing because I was never allowed to see their computer screen. I trusted the word of the loan officer that I was only signing my tax return. Even the printout I was given only included my tax return. I was never given and still have not been given any paper work about any fees associated with this loan. My refund came in XXXX where I for the first time saw that I was being charged {$570.00} for XXXX XXXX fees when I logged in to taxpayer.sbtpg.com which is the refund middle person. I immediately called World Finance and asked about these fees and was told that I shouldve been given a document showing the fees associated with this loan. I told them i never received any fees documents and was even specifically told this would not cost me any more than the amount of the loan which was {$1000.00}. I have attempted to contact World Finance on many occasions since and now I believe they have my phone number blocked because my phone number never rings through but if i use someone elses phone it immediately rings through where i am told now i owe them {$110.00}. In my opinion they owe me almost {$600.00} because I was never told nor given any paperwork about fees associated with this loan. Federal law says I must be given documentation of the fees associated with a loan at the time of the loan. I still have never been given that paperwork and was specificxally told it would not cost me.
Product: Credit reporting or other personal consumer reports

Due to previously compromised personal information and identity theft. I have noticed a few unauthorized inquiries on my credit report that need to be removed. Ive tried to call customer as well as CRA without success. These inquiries are showing up on both XXXX, and XXXX. 

These inquiries are as follows. 

1 ) XXXX BANK XX/XX/XXXX 2 ) XXXX XX/XX/XXXXXX/XX/XXXX 3 ) XX/XX/XXXX XX/XX/XXXX 4 ) XXXXXX/XX/XXXX. XX/XX/XXXX 5 ) XX/XX/XXXX XXXX, XXXX 6 ) XXXX XXXX XXXX. XX/XX/XXXXXX/XX/XXXX
Product: Credit card

There is a charge dated XX/XX/ for {$110.00} from XXXX. I have called Bank of America 3 times regarding this fraudulent charge but nothing has been resolved. My account had nearly a dozen fraudulent charges show up on my statement and as of right now it seems they have all been resolved except for this one. Calling is of no use because the phone reps lie and do not have any concern for fraud. Maybe this avenue will lead to a proper resolution because this is causing a lot of stress and wasting my time. I am not responsible for this fraud and I want it removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH THIS ISSUE FOR WELL OVER 13 MONTHS. I HAVE FILLED SEVERAL COMPLAINTS. TRANSUNION DROPPED MY CREDIT SCORE ON TWO OCCASIONS, REASON THEY-STATED : I APPLIED FOR XXXX CREDIT CARDS IN THE SAME DAY. { I AM IN THE HOME BUYING PROCESS I WOULD HAVE NEVER DONE THAT } NOT AT THIS TIME, AND THEN ON THE SECON TIME THEY STATING THERE WAS XXXX INQUIRIES MADE ON MY CREDIT. ALL OF THIS WAS DURING THE TIME WHEN THERE WAS A FREEZE ON MY ACCOUNT. WHAT IS SO OFFENSIVE IS THAT THE LIST OF COMPANIES THAT THEY STATE I SUPPOSLY APPLIED FOR CREDIT WITH I HAVE HAD CREDIT CARD WITH THOSE COMPANIES FOR WELL OVER 6-10 YEARS IN SOME CASES. I FEEL THAT ALL THIS IS TRANSUNION IN RETALIATION TO A PRIOR LEAGAL MATTER THEY AND MYSELF WERE INVOLVED IN SAUGHT-OUT TO DESTROY MY LIFE. MY SCORE WENT DOWN FROM A XXXX-ISH FIGHTING XXXX THE FIRST TIME. I GOT IT BACK UP. THEY DROPPED IT AGAIN, IM TRYING TO RESTORE IT FOR THE SECOND TIME. THIS IS WRONG
Product: Credit card

My wife and I have been members of American Express Gold Card since XX/XX/XXXX. WIthout our consent or knowledge they started sending us XXXX Books periodically. For years we assumed it was a side benefit with the Gold Card Status. In XX/XX/XXXX my wife called and canceled the subscription. The book kept coming. Last year we called AMEX again and they said we 'd have to take it up with the publisher which we did. The book kept coming. We received a billing this year for {$44.00}. I sent a refure the charge to AMEX. We did n't get the book the next period, XX/XX/XXXX. Today while doiing a search of our expenses I fould they had started charging us {$44.00}. This occured twice on XX/XX/XXXX and XX/XX/XXXX. We called XXXX and talked to XXXX ( no further ID was given ) He said he would cancel any product coming from them. However he could not refund any of our payments. When I talk to AMEX they say talk to the publisher. WHen I received the XX/XX/XXXX charge I complained and they refunded one payment, but continued charing us in XX/XX/XXXX.
Product: Debt collection

Transworld alleges a debt that has never been owed and, even if it were, the statute of limitations would have run more than five years ago. Total fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91

-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I am requesting to file a formal complaint regarding the reporting of an incorrect address on my credit report. The address listed does not belong to me, 1.XXXX XXXX XXXX XXXX XXXX, FL XXXX, 2. XXXX XXXX XXXX XXXX, AL XXXX and its presence on my report is both inaccurate and misleading. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported by the credit bureaus. I request an immediate investigation into this matter and demand the removal of this incorrect address from my credit file to ensure my report accurately reflects my personal information. Please provide confirmation once the issue is resolved.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date : XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my Chase credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late
Product: Student loan

my daughter took out loans to pay bills while attending XXXX achool. 3xXXXX. i co signed. i with the assistance of an attorney have requested an agreement for a payoff since XXXX XXXX. i am still waiting for a response. 
my daughter has been making payments since she completed her XXXX and got a full time job. 
do i have any recourse? i am presently writing up a request for release. are there time requirements for a response? i am frustrated with their lack of response. thank you for any assistance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME.
Product: Student loan

On XX/XX/ I received a credit monitoring alert that two new accounts were reported on my credit report. I logged in to view the information to find two student loans that were opened in my name. one for {$2000.00} and the other for {$1100.00}. ( I have never attended college or a trade school ) I contacted the bank who serviced the loans and they were no help and said to wait 7-10 business days for a letter to come in the mail. I contacted the school XXXX XXXX XXXX, in XXXX WA. They told me the suspect also received federal and state grants in my name. They refused to discuss any details of this with me nor did they even want my information to follow up.
Product: Mortgage

I received an automated phone call from loancare to return their call regarding my mortgage account. I called them back and a lady said that I posted my payment for XX/XX/XXXX which would have been a day late. So, I had her cancel the payment for XXXX XXXX and paid it on XX/XX/XXXX. Before getting off the phone with the lady I made her double check to make sure the payment for the XXXX was cancelled and she assured me that it was. Yesterday, XX/XX/XXXX my husband stopped to get gas on his way home from work and his debit card was declined. He checked his account and it was over {$1000.00} overdrawn. Loancare had processed the payment for the XXXX. I then called them again on the XXXX and they said I had to submit proof that it was taken out of our account. So I emailed them our bank statement right then. Then I called again this morning. XX/XX/XXXX. I spoke with a manager. He told me that they had to file a reverse payment request and that it could take up to 5 days to process. So now my husband 's bank account is over ONE THOUSAND DOLLARES overdrawn plus an overdraft fee. Now he  can not get gas for work and we cant pay our other bills or buy groceries. I checked on the XXXX and they are not accredited and have so many complaints. Something needs to be done about this mortgage company especoally since they are handling cha mortgages etc.
Product: Checking or savings account

I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur. 

On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ),  and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative. 

When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.
Product: Debt collection

Last year, in XXXX, around XXXX, when I discontinued the service with XXXX due to service issues, I was notified by the first representative I talked to that the remaining balance due on my account would be waived since I used little to none of their services. They then mentioned they would add a record of it and put a note on my account for the supervisor to reach out to me and waive it. After a few weeks, I received nothing back. I then called back again and was told the same thing. I then asked for the confirmation of the note on my account and was told it was there waiting for a supervisor to review it and waive it. I then requested a written letter or email stating this bill would be waived, which I never received. I roughly went back and forth with the same answers with each representative I spoke with about XXXX or more times. Upon calling them the third time, I requested a supervisor, and a representative then told me it would have to be handled by a separate supervisor from a different department since they were only in the billing department, which I found odd. Ultimately, I never received anything back from any supervisor since last year, and I was then sent to collections, where I have tried to reach back to them today, XX/XX/XXXX, and they said they could no longer do anything since it's been sent to the collection agency already.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report under the account name " XXXX XXXX XXXX XXXX  '' ( Account Number : XXXX .... ). The status of this account is listed as " charged off '' with a recent balance of {$1200.00} as of XX/XX/2024, and it is reported that {$1200.00} was written off and is past due. However, this information is incorrect and should be removed from my credit report. First, the reporting of this account is incomplete and inconsistent. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The balance history reported does not accurately reflect the actual payment history, resulting in a misrepresentation of my financial standing. Second, I have previously requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and the response provided did not meet the necessary standards to validate the alleged debt. Without proper validation, the account should not be reported as a charge-off.

Finally, the account was updated following a dispute in XX/XX/2024, but the original inaccuracies were not corrected. According to the FCRA, if previously disputed information is reinserted into a credit report, the credit bureau must notify the consumer. I did not receive such notification, and the account continues to be reported inaccurately. I am formally requesting that this inaccurate and unverifiable information be removed from my credit report. Please conduct a reasonable investigation as required by law and provide me with an updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA. 

Attempted to get debt removed-CRA 's have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont let me make dispute the late marks on my credit record from XXXX. XXXX claims they did not do this or can remove it. I have filled several disputes, now Experian wont let me do anymore or even have phone number to contact a real person. Experian is responsible for correct info on your credit report, but not if they dont listen to customers. I even paid to get daily updates on Experian which that never happened. Apparently they dont follow rules and regulations like the rest of us. If they did do the proper investigation they would have see it on my account. I dont miss payments never. Before bankruptcy and after. Look at my accounts alway on time never late.
Product: Credit card or prepaid card

Discover is claiming that I voluntarily enrolled in their " Payment Protection '' back in XX/XX/XXXX when I first signed up for my card via online. I can confidently say I have never consented to this " benefit '' and was requesting documentation of my disclosure when I first signed up for their card when they were offering this. 
I spoke with multiple Discover representatives on XX/XX/XXXX and they stated that this " Payment Protection '' plan was a benefit that used to be offered, but is no longer offered to new customers. They did not provide a date when Discover had stopped offering this benefit to new customers. Seeing as though this is something that is not offered anymore, but used to be offered in the past, I requested documentation of my enrollment and consent for this benefit. 
One supervisor representative in UT ( via phone call XX/XX/XXXX approx. XXXX CST ) stated that they have record of my online Discover application from XXXX. I requested proof of this application or any proof that would have indicated that I voluntarily accepted and consented to having this benefit charged to my account. They denied this request. 
As a customer, I believe I am entitled to enrollment documentation. I have been charged for this benefit I have no proof of consenting to for 10 years and accrued charges on that I never enrolled in. If there is no proof of my voluntary enrollment of their " Payment Protection '' then I would conclude this as a deceitful practice which resulted in unauthorized charges.