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 significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering 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 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 consumers safety
Product: Debt collection

MIDLAND Funding LLC is suing me for a credit card that I had with XXXX  XXXX bank from XXXX til XXXX. I requested for XXXX  XXXX to close my account in XX/XX/XXXX due to changed terms in the service and send me a finalized bill to my current mailing address. Fast forward in time I start to receive phones threatening to be sue as well as some of my family members being contacted stating that I was going to be sued. Shortly after the phone call I did receive notice to be sued and immediately called midland funding in XX/XX/XXXX to try and resolve stating to them that account was closed with a lower balance then they were seeking. They told me if I could prove it them they would work with me. I then contacted XXXX XXXX bank who where very understanding and apologetic but due to the lapse in time had no record of the account even stating they wish they could help. I disputing the amount. They were sending billing statements to they wrong address for 2 years had I know or received a bill I could have contacted immediately. I feel like I shouldn't have to pay 2 years worth of late fees and interest on an account that I was under they impression was closed.
Product: Prepaid card

I have not been able to access my account. I have not received my direct deposit from my employer yet. I can not get an answer from the customer service associates at Rushcard.
Product: Checking or savings account

Customer was victim of identity theft, and fraudulent charges were made to checking account. Customer immediately notified bank. Chase Bank denied fraud claim, despite clear evidence charges were made by a person of a different name and address. Chase did not allow customer to dispute denial. Funds were stolen and Chase did not protect customers security nor protect funds as required under federal law. 

Date XX/XX/year> Amount left in dispute : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting hit on my experian credit report and possibly other credit reports by XXXX XXXX on XX/XX/19. I am looking over my records and I do not recall giving any permission to give a hard pull to there bank or signed over anything giving anyone permission. Under the fair credit act I had called the bank to ask them to send me the proof of this Inquiry which they never provided. I am looking to have this false information off my report. As it is fraud and was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an issue I have disputed several times with Experian regarding items listed which are past the statute, unverifiable and authorized user accounts only. Experian is the only agency listing this inaccurate data. Nothing is being done or even address or verified. I need help
Product: Bank account or service

I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a complaint.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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  XX/XX/XXXX
Product: Bank account or service

My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.
Product: Debt collection

On XXXX XXXX, 2017 XXXX from XXXX XXXX XXXX called to inform me that I owed for the newspaper that I never received. Now I 'm receiving a collection letter from them.
Product: Debt collection

Portfolio Recovery Service supplied fake credit card statement claiming that I owed debt.
Product: Mortgage

On XXXX of XXXX, I closed on my home. During the closing the figures were not correct according to the closing attorney. She advised me to continue with the closing, pay the monthly amount plus additional to complete the total amount that the mortgage was supposed to be. In doing so for several months, and also contacting Plaza Home Mortgage on several occasions. I was informed by a few representatives to cease sending in additional payments as my monthly obligation was enough and correct. Fast forward a year a some months later I received a letter stating that my monthly mortgage would be increasing to XXXX monthly. I was not in a financial position to pay this huge increase, so i was advised to apply for a loan modification. After applying for a second time ( since the first time I was denied because the mortgage company said I had to be behind in order to get approved ), I was approved and was given a 90 day trial to pay The amount required. After the 90 days I received a final mortgage approval packet to have signed/dated/notarized after reading. I took care of getting that done and was required to send it back certified mail. After sending back the signed documents I eventually received the packet back. No where in this packet or in HUDs packet was this undisclosed amount. I hired an attorney in which it took the attorney two years exactly to find this undisclosed lien/second loan. Also in finding this amount with a third party of HUD were my supposed signatures on a promissory note that I have never seen until Friday XX/XX/XXXX. I spoke with a second attorney whom had thoroughly explained where this undisclosed amount have possibly come from, but the attorneys also agreed that something was missing from my documents ( The disclosures of what I was supposed to be financially responsible for due to the loan modification ). I was unable to refinance in XXXX, which is when I found out about this undisclosed amount of money that was being held against my property. The mortgage company and or third party XXXX XXXX XXXX failed to include in my documents the promissory note and the second packet of which this undisclosed lien Ian being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.
Product: Credit reporting or other personal consumer reports

Experian is not allowing access to Unfreeze account : they do not send their security code, neither via text nor phone call, before their system logs me out after XXXX or XXXX, making it impossible to Unfreeze my report/account.
Product: Debt collection

XXXX sent an email to my daughter today about the bill I owe them and information about my. My daughter does not have the same email nor does she live with me her email is XXXX mine is totally different. When I received a call from her today asking me if I owed XXXX XXXX I felt violated and do not believe they had a right to do so. She did email them back and let them know it was not okay to be contacting her with my personal information.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these items. Failing to validate this reported items within the legal timeframe without providing evidence is not permitted. The following items listed on my credit report require investigation and correction due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$41000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$920.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX XXXX he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX Ally Financal has made remarks on my credit file and then removed them. Also they changed the date of last payment which is inappropriate and inaccurate according to FCRA. They have changed remarks to my account that are not truthful and it dropped my credit score XXXX points. After I have disputed this account online line via XXXX these changes occurred which is a violation. They havent reported this account of date of last activity and date of last payment XX/XX/XXXX until XX/XX/XXXX through XXXX of XXXX this account has been marked up incorrectly and inaccurately decreasing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a credit or may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I set up an account with Associated Bank  in XXXX WI. After I decided that the XXXX was where I intended to retire. This was in XXXX. I chose them because of their international banking abilities. They first stopped my Banking ability because I didn't have a US address. I gave them a US address in XXXX, California XXXX. The account was reactivated and was good for a few weeks. On XXXX XXXX they stopped my account and told me that they were sending the balance to my address in the Philippines XXXX This account ( my Social Security Check is what I live on. I have no other means of support. I must have this direct deposit from Social Security.
Product: Debt collection

XX/XX/20, I received a call from Halsted Financial Services. They called me on my cell and on my work phone. I did not give them permission to call. I have not received any formal information by mail from this company. I called back XX/XX/20 to find out who this company is, and a gentleman began to state my name, address, and the last 4 of my social security number and asked me to verify. I hung up because I had no idea who I was talking to. I called back and a female answered. I asked for the address and the name of the company. The female asked " is this XXXX XXXX '', I proceeded to ask for the name of the company. The female stated in a bullying voice, " do not ignore my questions. '' The company called me from a fraud number, XXXX and XXXX. I've been receiving calls back to back from this number ; I thought it was telemarketers, so I did not answer. I've received several fraud calls, so I've blocked them, but this number has come through with a different suffix. if this was a legitimate company, then they would have sent the information out to me by mail, allowing me time to review and then respond. They have employed bullying tactics they I know will get worse. I've been fighting with the company they represent, XXXX or XXXX XXXX   for three years because they did not apply the payments. I asked if there was a glitch in the system ; I've called the corporate office twice. I could not get the situation rectified so I stopped paying.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the three major credit reporting agencies : XXXX, XXXX, and Experian, for violations of the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. 

XXXX Violation : Non-mailable Address : XXXX has listed a non-mailable address on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX. This is not my address and needs to be removed immediately. 
XXXX Violation : Incorrect Spelling of Employer : XXXX has incorrectly listed the spelling of my employer as " XXXX XXXX. '' The correct spelling is " XXXX XXXX. '' This incorrect information needs to be corrected immediately. 
According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( 1 ), it states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' As these agencies are reporting inaccurate information, I have the right to have them removed and corrected. 

Unauthorized Inquiries : XXXX, XXXX, and Experian have also allowed items to be placed on my credit report without my permission. There are a large number of inquiries that have been furnished on my credit report that I do not recognize and have not given my written permission to add. This constitutes inaccurate reporting backed by 15 USC 1681b Permissible Purposes. I noticed these unauthorized inquiries on my report in XX/XX/year> and have since filed a report with the FTC regarding these unauthorized actions. 

Failure to Correct Information : According to 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. A month ago, I tried to have these items removed, but the failure of these agencies to correct the misinformation on my report in a timely manner violates this code.

Requirement to Follow Procedures : Under 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of incorrect addresses and misspelled employer names indicates a breach of this obligation. 

I request that these inaccuracies be investigated and corrected promptly. Furthermore, I seek the removal of any unauthorized inquiries and a review of my credit report to ensure all information is accurate and fair as per the guidelines set forth by the FCRA. 

All inccorect addresses, spellings and inquiries I wish to be removed are attached and highlight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report that I didn't authorize and Transunion won't take them off. They are also XXXX points lower then XXXX. XXXX also has inquiries on they report I didn't authorize
Product: Credit reporting or other personal consumer reports

I was absolutely stunned when I saw inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my report regularly, and today, out of nowhere, there were discrepancies. I even refreshed my browser, hoping it was some kind of glitch, but it wasnt. The incorrect accounts remained. Because of this, Im asking for the documents I submitted to be carefully reviewed so that I can finally stop worrying about this happening again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelle handling my disputes particularly in light of the recent cfpd lawsuit highlighted significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions and infeasible the cfpd finding that Zelle was not only neglecting to protect customers, but has also allow repeated offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concern about customers safety
Product: Mortgage

We have been in for closure with Wells Fargo for over a decade. They initiated foreclosure even though they had enough money to make loan current. They have refused or returned any payments made. They have not approved over XXXX mortgage modifications that we were qualified for. They have delayed, lost applications etc for other applications. For a period of XXXX years they never answered and attempts to communicate with my home Preservation specialist who in fact just actively delayed, confused and blocked communication with this family. We have spent {$30000.00} on legal fees and currently out lawyers have found defects in the contract that will probably cause wells Fargo to have to start legal action to take the house again. We have suffered major stress related issue XXXX XXXX currently these XXXX XXXX senior citizen are going to be homeless when they file again. Help please! We heard about the settlement. Could we get legal fees, pay off note ( {$270000.00} ). Anything we are desperate. Thank you