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

I am writing to formally express my concerns regarding Zelles handling to 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. They informed me that recovering lost funds were impossible and 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.
Product: Credit reporting or other personal consumer reports

am writing to formally request your assistance in addressing and rectifying an issue with Midland Credit Management, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, Midland Credit Management is reporting false information related to the debt at hand. Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, Midland Credit Management has no legal grounds to report this debt or any related information to the credit bureaus. I have attempted to resolve this matter directly with Midland Credit Management, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit. I respectfully request that the CFPB investigate this matter promptly and require Midland Credit Management to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.
Product: Student loan

I currently Have 6 accounts with fed loans in which they said I had late payments more than 120 days. This was caused by my email being hacked in which I only had emails sent to XXXX and that was during the data breach. i was late but would have paid as you can look at my history. We are trying to buy a home and have a very ill daughter and if these do not get removed off of my credit, we will not be able to move our family into a home. I have been more than fair paying off my debt even during these horrible times.
Product: Payday loan, title loan, personal loan, or advance loan

I called to make a payment on Friday, XX/XX/year>, on XXXX of my XXXX accounts. And after I started asking some questions on how XXXX account was almost XXXX months behind when I maked monthly payments on it I was put on hold then transferred to a different person who then accused me of being aggressive when I call to make payments finally informed me after several minutes of questioning that I should " see '' that they were trying to help me by taking money I designated to be payed to my smaller loan account and instead payed it to my larger loan account and causing my smaller loan to be almost 2 months behind and extending the loan past the point of being paid off in XXXX.
Product: Debt collection

XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people. 

XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX 
XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX. 
XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls. 
XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/20 at about XXXX XXXX  PST I saw an email that stated my son XXXX Chase XXXX XXXX checking that is linked to my Chase checking account was overdrawn on the subject. So I looked at the Chase app his account was at XXXX, so I immediately transferred XXXX from my checking account because I thought his account was over drafted due to a XXXX monthly service fee. Then when I looked at my savings account I saw there was XXXX transferred to his account to cover the overdraft. I saw there were two transactions of XXXX each, total of XXXX made on XX/XX/20 done at a XXXX XXXX station in XXXX XXXX. I called the bank immediately On XX/XX/20 at about XXXX XXXX  PST and explained to them that there were two unauthorized transactions on his account. I explained them that he was home all day and night and he did not go to XXXX XXXX. We live in XXXX CA which is 40 miles away. They asked to speak to him and he told them he did not make the transactions and he had his debit card with him the entire time. They told me that they would reimburse the money to his checking account. I asked if there was anything else I needed to do they said no. They never told me it was temporary and that they would reverse it, but they did reverse it. On XX/XX/20 they reversed the amount, I called them On XX/XX/20 because XX/XX/20 was a Sunday and they are closed. They told me they reversed it because he made the transaction with a PIN. I told him he did not make the transactions, he was here all night. They said someone would contact me within 7 business days and that I would need to prove he was here. I told them if they could prove it was him, if they had a video or a camera. They didnt say anything. His account remained overdrawn. Then today on XX/XX/20, Saturday they have taken out XXXX from my checking account to collect for his overdraft. No one contacted me to ask me anything prior to this. Now I have to wait until Monday XX/XX/20 to call the bank and my rent is due XX/XX/20. This is truly wrong. Gas stations do not issue that much cash back. My sons transactions show he has never pumped that much money in gas. I didnt receiver one text alert alerting me of a fraud transaction when it clearly is fraud. Two transactions of the same exact amount from a gas station. Never have I experienced a problem like this with Chase. I am very disappointed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. This is my third dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 

In accordance with XXXX XXXX standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXX Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** XXXX - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **Experian Payment History Inaccuracies : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late **Account Details ( Equifax Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - **Balance : ** XXXX - **Account Status : ** Paid, Closed - **Highest Balance : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Term : ** XXXX  months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **Experian Report : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late XXXX. XXXX Report : ** - Only XXXX instance of being XXXX days late. 
- Equifax claims I have made XXXX XXXX of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( XXXX : XX/XX/XXXX vs. Equifax : XX/XX/XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and overall creditworthiness. 

I have requesting a thorough reinvestigation of these inaccuracies. XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.
Product: Checking or savings account

In XXXX of XXXX I received a Wells Fargo checking account statement. I did not open an account with them myself, nor have I been a co-signer or joint member on any Wells Fargo accounts. I saw that there was no balance on said account. I called Wells Fargo immediately and was told that they would report it to their internal fraud dept and that I would receive a letter in the mail after about 30 days. The rep that I spoke to said that I should maybe expect another statement in the mail since they go out automatically but she assured me that she closed the account. It is now XXXX of XXXX and I'm still receiving checking account statements. Back when I spoke to the Wells Fargo rep I asked who opened this account and if I could have their email address. She would not give me that information which I think is wrong since it's my information they're using. I also never received said report about what fraud happened and am still waiting. This bank seems to be terrible and not have learned their lesson back in XXXX. I'm sending this in as both a complaint that somehow my social security number has been stolen and used to open a fraudulent account and also that Wells Fargo has not handled this appropriately at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ XXXX shows XXXX XX/XX/2022, XXXX shows no date, Equifax shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, Equifax shows {$1200.00} ] Issue 4 : Account status [ XXXX shows charged off, XXXX shows closed, Equifax shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if 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.
Product: Debt collection

XXXX Services do not allow for services to be rendered before being paid. This was a paid account. Somehow on XX/XX/XXXX they believe I owe an unpaid emergency services debt. I have never been to emergency with my daughter unless it was paid so this must be someone elses report. 


XXXX account reported on XX/XX/XXXXOpenAccount # XXXX $ XXXX Creditor $ XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNote
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, Transunion and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with XXXX that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on Transunion on XX/XX/XXXX from XXXX and XXXX XXXX XXXX that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX Bank and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with TransUnion. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX  from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.
Product: Credit card

In XXXX XXXX I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in dispute is {$2700.00} which I paid with official check in XXXX XXXX. Macys reversed charges in XXXX XXXX and in XXXX XXXX Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : XXXX ]. Macy 's acknowledged their internal error in writing and promised to take my account off their collections department calling list. With the matter still under dispute and investigation, and with full knowledge of their own internal errors, on XXXX XXXX, XXXX Macys posted negative statements to the credit agencies reporting the disputed amount with interest and penalties, as unpaid for 31-60 days. This immediately negatively impacted my credit report and my credit score dropped XXXX points within days. This matter is still under dispute and at the time of the negative reporting was still under federal investigation. Reporting it to credit agencies at this time and under these circumstances is malicious mismanagement of my credit. I demand Macys issue an immediate correction of this error on my credit report. Macy 's should not punish consumers for their own internal errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the status of the account to paid in full. payment in full was received by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9400.00}. This information must be shared with Experian, XXXX, and XXXX. 

Background. 

On XX/XX/XXXX XXXX XXXX XXXX charged off account number xxxx ( 'The account ' ) with a balance of {$9400.00}. 
The account was subsequently sold to XXXX XXXX XXXX ( 'XXXX ' ). XXXX contacted me, XXXX XXXX ( 'The account holder ' ). 

The charge off was reported on the account holders credit reports - with trade lines from XXXX XXXX stating a charge off, and XXXX stating an open collection account. 

On XX/XX/XXXX XXXX received payment in full from the account holder via electronic payment, the amount was {$9400.00}. XXXX confirmed receipt on the phone ( XX/XX/XXXX ) and assured the account holder that XXXX XXXX XXXX would be informed. On XX/XX/XXXX XXXX issued a letter to the account holder confirming receipt of payment and a XXXX balance for the account holder. 

Starting on XX/XX/XXXX the account holder has called XXXX XXXX XXXX several times to request that the account holders credit report be updated to reflect the paid  status of the charge off. 

During the months of XXXX and XXXX the account holder filed a dispute with Experian regarding the status of the account. Experian contacted XXXX XXXX XXXX and confirmed that the even though the customer disagrees with the account status XXXX XXXX XXXX XXXX reaffirms its unpaid status. 

On XX/XX/XXXX XXXX XXXX XXXX received the request to update the account holders credit report to Paid in Full via certified mail the request contained the Paid in Full letter from XXXX including the account number and all relevant information. 
The following week ( week of XX/XX/XXXX ) the account holder called XXXX XXXX XXXX and was told by XXXX XXXX XXXX that the documentation was not received. 

On XX/XX/XXXX the account holder contacted XXXX XXXX XXXX via phone and was connected with the XXXX department. A representative from the XXXX XXXX stated that documentation had not been received and it should be faxed to the XXXX XXXX at XXXX. The representative also stated that the process to complete this request would take XXXX business days. 

Later that same day on XX/XX/XXXX the account holder faxed the proof of payment of the full account balance, documentation which was sent to him by XXXX, receipts of the certified mail previously sent and attachments, and a request to amend the account holders account status to Paid in Full with the credit reporting Bureaus. 

On XX/XX/XXXX XXXX XXXX confirmed receipt of the documentation via telephone. 

On XX/XX/XXXX the account holder called XXXX XXXX XXXX and was told that 1. His request is being reviewed 2. That his request had been sent to the FCRAthe FCRA is not an actual organization it is an Act of the United States Congress. 

Fed up with the lack of progress the account holder has decided to file a formal complaint with CFPB.