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

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle adequately investigated my claims. I was told that recovering lost funds was impossible and tracking transactions unfeasible. The CFPB 's findings show that Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and proper safeguards is deeply troubling and needs immediate attention.
Product: Debt collection

National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that opened last XX/XX/XXXX.
Product: Mortgage

They declined my new homeowners insurance saying I wasn't a named insured, when in fact I was listed on the policy. I sent the mailed copy verifying the proof of insurance, no payment. Called, emailed, and faxed proof no payment made. The portal they have to load the documents does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to obtain a fraudulent credit card. I have disputed this XXXX account numerous times with Equifax and it still hasnt been deleted. I Disputed this same XXXX account with XXXX and XXXX which resulted in a deletion. Equifax IS NOT doing a proper investigation AT ALL. 

I have provided proof that the account has been removed from XXXX and XXXX because it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter was sent to NCB over a month ago with no response. 

Notice to Principal is Notice to Agent and Notice to Agent is Notice to XXXX NCB XXXX XXXX Acct # XXXX Notice to Dispute Debt I dispute any debt your company claim to have on me. 

You must stop all collection activities. Do not call my telephone number ( XXXX ) XXXX. If you were ever given permission to call this telephone number ( XXXX ) XXXX I am revoking that now. 

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : Account File Ledger All Accounting documents The transaction history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY. 

If you fail to communicate to the consumer reporting Agencies that this debt is in DISPUTE, that would be a violation Pursuant 15usc 1692e8-False or misleading Representation. 

The law is very clear as to the civil liability and the remedy available to me, according to 15usc 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend to pursue litigation in this matter suing your company for actual damages sustained. 

Please be aware that freezing this account is not an update to my credit report. 

Thanks for giving this letter your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for creditrepair.com amidst also diligently working on my credit on my own. They sold me on a dream where they could remove negative remarks on my account. Now since I had already been working on it, since then 2 accounts have been removed - this is because I PAID THEM OFF and or DISPUTED them on MY OWN. In no way did this company have anything to do with it. The dispute they did send out on my behalf generated a DECREASE in my credit score which is unacceptable. Additionally, When I initially signed up, I paid a fee to have my credit pulled then was offered a {$50.00} coupon for the first month 's services ( a reduction of about 50 % ). Despite reminding the onboarding agent multiple times of the coupon I was still charged the full amount. When I called in for a refund, they offered me a coupon for the following month. Now that I want to cancel and receive the {$50.00} refund I would be owed, that is suddenly not possible because I would be paying for the work already done - even though this upcoming payment would be my third in 6 weeks? Very very suspicious business practices.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Child support Nebraska : # XXXX Child support Nebraska : # XXXX Child support Nebraska : # XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXXXXXX XXXX XXXX  account number XXXXXXXX XXXX  account number XXXX XXXXXXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give.

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX XXXX Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Product: Credit card or prepaid card

New York  and company never sent me a bill. I know I had to make the payment I called and made the payment. The following month they said I was late. Technically I was late I made the payment before time so they applied 2 payment for the same month. When I tried to clear it with them they said they cant do anything about it. They closed the account I dont owe then and they still havent removed the late fee. This causing a problem on my credit report. I need to purchase my first home the American dream and I cant do that because of a {$25.00} dollar payment they considered late that technically was not late.
Product: Debt collection

This debt was paid off because it was in judgement at the XXXX XXXX  Courthouse in the amount of {$1500.00} by my Attorney XXXX XXXX, Escrow Officer from a sell of my Property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. This debt was place as a judgement ( XXXX  ) at the XXXX XXXX Courthouse by XXXX XXXX XXXX  in erroneous after it was settled through the courts in XX/XX/XXXX. After many calls and attempts to Capital Accounts LLC who brought the debt from XXXX XXXX and XXXX  to have it investigated and removed or updated. It is still showing on my Credit Report. I am now through frustration contacting you all to assist me in having this debt showing in the amount of {$1200.00} removed from my Credit History. Account # XXXX  Paid XX/XX/XXXX to XXXX  County Clerk of Court. Judgement # XXXX  in the amount of {$1500.00} Thanks
Product: Debt collection

this company previously removed and randomly readded to my credit starting with a newer date to re age the debt which violates statue of limitations and FCRA. 

furthermore the original creditor XXXX had already let me out of my contract due to poor service and not being able to keep their side of the contract with the cellular service. 
please delete and do not re add. 

and stop calling my work phone telling me ur a lawyer and to pay or u will take action having me arrested.
Product: Money transfer, virtual currency, or money service

I made 2 payments for a total of {$3100.00} via Zelle from my XXXX bank account. The payments were made to fraudulent individuals for rent for an Apartment that did not exist. Zelle and our bank XXXX offer no assistance in tracking down the internet scammers. I have also filed fraud reports with my local police department, Zelle, the FTC and the FBI internet crimes.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with Transunion 's handling of my dispute of inaccurate information on my credit report. I reached out to them on XX/XX/XXXX asking them to reinvestigate because after my previous request for investigation, I reached out to the creditors but they failed to validate the information. Transunion failed to conduct and proper investigation and they are continuing to report inaccurate information without properly validating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from.
Product: Checking or savings account

XX/XX/2023 Every other week I receive a paycheck in my checking account from my employer. Today it was not deposited in to the account. I checked with payroll and everything was fine, so I called Truist bank where my checking account is. I asked about the deposit, and the customer service rep said she saw no deposits in process. When I said it should be there and the amount and company she said " the system was down for maintenance ''. I know that is not true because no company would do maintenance during normal working hours ; especially something as important as banking services. I told her kindly that answer would not suffice to which I was told that all she could do was send a note to escalate the issue. This was all by XXXX this morning. I told her to include in the note that I want a call back today asap and the late fees I receive due to not having my funds available were going to be reimbursed to me by the bank. I have not received a phone call yet. I searched online to find any kind of reference to what the problem is or if Truist even sent anyone any kind of notice. I did not find anything. They do now have a notice on the web page for Truist finally, but it says nothing about deposits being affected. It references " online services ''. I know that means deposits too, but not everyone knows that. I find this kind of service to be unacceptable. I can not even pay my rent due to this issue. This can not be acceptable, is it??
Product: Student loan

The XXXX XXXX company failed to accurately process my Income Driven Repayment plan. I sent in the recertification application almost three months ahead of the deadline but they only renewed 2 out the 10 student loans that they service for me. When I tried to call back two weeks ago, the lady on the phone said that they will recertify the application and run it again. I spoke to another man today to follow up and he mentioned that I need send in a form that the first lady never mentioned about to recertify my student loan payments for the IDR. While all this is going on, the XXXX XXXX reported to the credit bureaus about changes with my student loans that caused my credit score to go down by 20points.
Product: Credit reporting or other personal consumer reports

I applied with my Mortgage Company on XX/XX/23, XXXX XXXX, to inquire about an equity loan on my existing mortgage. I was notified that a normal process is to create a Soft credit report with XXXX XXXX. I gave me permission, and I asked that this would not effect on my credit score, and the agent said, not when it is with your lender. I am going through the paper work to apply for line of credit on my mortgage. I WAS OUTRAGED when the next morning and all day today I keep getting phone calls and emails from over 100 lenders trying to to interfere with my decision to get a line of credit with my existing loan with XXXX XXXX. I contact my agent at XXXX XXXX to complain furiously at him and XXXX XXXX, because I thought they were responsible for releasing my phone number and email to the public. I almost did not go through with the loan, just because of this. My agent assured me that he and XXXX XXXX feel the same way as I do, THIS SHOULD NEVER HAPPEN WITHOUT MY PERMISSION!!!! He went on to say that the Credit Bureau ( 's ) releases this information to other public lending competitors. This is an unethical practice and extremely annoying ; to have to screen over 100 calls, block the calls, and get 100 more in less than 24 hrs. There needs to be policy put in place to prevent Credit Breau 's from distributing your phone number and email without your permission. I need the proper agency to take immediate action to STOP THIS!
Product: Money transfer, virtual currency, or money service

I have used Wise ( previously Transferwise ) for over 2 years to make weekly payments to parties in the XXXX and more recently to XXXX as well as domestically to the U.S. I made three transfers on XX/XX/23 and those went through. Since then I have attempted to make an additional transfer ( on XX/XX/23 and again today XX/XX/23 ) in the amount of {$120.00} but the Wise app and website keep claiming that there isn't enough money in my bank account for the payment to go through. This is false. The account in question has over {$600.00} in it. 

I called their " customer service '' and the person was completely unhelpful and basically said there is nothing she can do : I have to wait 4 days for this to " clear '' and she blamed the ACH system because the 3 transfers have somehow " not cleared. '' This is a false statement. The 3 transfers have already been reflected on my bank account and the recipients have received the money - there is no " clearing '' needed. And I've never had this problem before. She claimed you can only make one payment at a time and then you have to wait 4 days and that is also not true, I have made multiple payments in the past, including the ones on XX/XX/XXXX. 

I asked to be connected to someone ( e.g., a supervisor ) but she claimed none was available. Sounds like a real control risk here. 

I am going to completely switch my business to a more reputable and reliable transfer service. I am asking you to investigate " Wise '' because something is clearly fraudulent going on here if I can't access money I know is in my account. These transfers are to people in XXXX XXXX XXXX who are supporting my business and although the amounts are small, this is what these people live on. Waiting 4 days is out of the question and would break my contract with them that requires payment in 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.
Product: Debt collection

The account opened on XX/XX/2023 the account was charged off at {$10000.00} The past balance is {$11000.00} past due as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXXXXXX XXXX DELAWARE on Experian and after XXXX weeks they did not correct and it said investigation was done nothing was changed it then I called them on XX/XX/XXXX and they said they would correct it but they didn't. it's XXXX XXXX DELAWARE it's showing it was Charge-off but showing Past due amount {$1100.00}
Product: Debt collection

I was contacted via phone on or around XX/XX/XXXX by XXXX XXXX from RMS about a debt that was discharged in a bankruptcy. I advised her that this debt was discharged and provided her my bankruptcy information as well as my new address and last name. 1 week later on XX/XX/XXXXI received a letter from her continuing to try to collect this debt. I called her and advised her again that this debt was discharged in a chapter 7 bankruptcy and that she was breaking the law by continuing to harass me about this discharged debt. I also faxed her a copy of my discharge paperwork on XX/XX/XXXX. On XX/XX/XXXX I received another letter advising me of the enclosed information I had requested. I NEVER requested any information, only that they stop harassing me. This debt was discharged in XX/XX/XXXX. I am very upset about the continual harrasment and want this company fined.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : WESTLAKE PORTFOLIO Account number : XXXX
Product: Money transfer, virtual currency, or money service

I recently moved from XXXX to XXXX. We sold our property in XXXX with the intention of buying a new home in XXXX. Due to complications, the property sold after we left XXXX and they funds were settled into our Chase account. We are now trying to withdraw those funds and Chase says the only way to grant us access is by visiting a branch, which is clearly not possible given that they don't have branches in XXXX. We informed the bank that we were leaving the country beforehand and they did not flag that it would be an issue to access the $ XXXX in our account. 

We're now in a situation where we can not buy a new home and are limited to making small withdrawals every few days. For these transfers we are getting charged fees. If we do try to initiate wires or ACH transfers of $ XXXX ( our current daily limit ), our account is immediately locked and the transfer is cancelled. To authorize the transfer, we need to call Chase. Due to their current limited operating hours, these calls have to happen around midnight XXXX Eastern Standard Time. The agents that we speak to say that they annotate our account so that it won't be blocked again. Despite this, it repeatedly gets blocked. 

It is now midnight in XXXX, and I've been on the phone with Chase for 50 minutes. I am currently on hold after being transferred to the fourth person. Each person assures me that they can help with the situation, yet they all provide conflicting information. For example, I am trying to get a clear answer as to what my daily / monthly transfer limits are, so that I can estimate how many transfers will be required to withdraw all of our funds from Chase. No one has been able to tell me this. I was told that the daily limit is $ XXXX by the first person that I spoke with. The third person said it was $ XXXX. Neither of these are correct, as I have been able to complete $ XXXX transfers initiated on the chase.com website.