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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this 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 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 about consumer safety.
Product: Checking or savings account

I went to the First National Bank of Omaha branch at XXXX XXXX XXXX XXXX. On Friday XX/XX/year> I went into this branch to close my checking and savings accounts, and a CD. I spoke to the branch manager. At first the manager began to fill out the paperwork to close the CD. We talked for a while. At some point she tore up the paper. She refused to tell me why she could not close it. I requested that she give me the amount that is over {$15000.00} total of all of the accounts combined. She refused to do that. She did not tell me why, but she refused to close any of the accounts. She offered to give me {$500.00} cash for the weekend. We continued talking. Finally, she said she would give me {$200.00} for the weekend. I have around {$3000.00} of bills that need to be paid including medical bills, medical insurance premiums, XXXX XXXX XXXX XXXX, cell phone, Internet service, buying food, gas for my car, and homeowners Insurance premiums. {$200.00} will not pay for these bills. Apparently FNBO has blocked my debit and credit cards. The manager never told me that the cards would not be working. The manager did not give me a credible explanation why.
Product: Debt collection

I was in XXXX XXXX from XXXX and XXXX XXXX is collecting on a Victoria secret credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX  Account Number : XXXX-XXXX  Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I received a debt collection notice from Gurstel Law Firm, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and a copy of the certified mail receipt ) I received an envelope from Gurstel Law Firm on XX/XX/XXXX. The contents had nothing I requested. 

I received a debt collection notice from XXXXXXXX XXXX XXXX XXXXXXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from XXXX XXXX XXXX, who is the sole owner of this alleged debt.
Product: Credit card or prepaid card

My Lead Bank Self Visa credit card is lost/stolen and theres is fraudulent and unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX for {$260.00} listed and showing on my Self Visa credit card account. I dont recognize the transactions and the transactions are not my transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Sir/Madam , I am writing to formally report inaccuracies in my credit report as maintained by the major credit bureausXXXX XXXXXXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit reports and expect the credit reporting agencies to conduct a reasonable investigation.

According to 15 U.S.C. 1681i ( a ), when a consumer notifies a credit reporting agency of a dispute regarding the completeness or accuracy of information, the agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate and report the results of that investigation to the consumer. In my case, I filed a dispute concerning an alleged debt collection from XXXX XXXX, which has resulted in conflicting information on my credit reports. 

Specifically, I am disputing the following : Multiple Collection Agencies Reporting the Same Debt : XXXX XXXX XXXX has an original debt date of XX/XX/XXXX, while XXXX XXXX XXXX shows an original debt date of XX/XX/XXXX. This discrepancy indicates a lack of accurate reporting and due diligence on the part of the credit bureaus. 
Failure to XXXX XXXX : Despite my dispute, the credit bureaus have continued to report this debt without conducting an adequate investigation to verify its accuracy, as required by the FCRA. 
Inaccurate XXXX Practices : The collection agencies involved have failed to provide any documentation to substantiate the alleged debt, which further violates the guidelines set forth in the FCRA. 
The continued inaccurate reporting of this debt is negatively impacting my XXXX XXXX and financial well-being. I request that the Consumer Financial Protection Bureau investigate this matter to ensure that the credit bureaus are held accountable for their actions and that my credit report is corrected accordingly. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumers are protected under the law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Product: Debt collection

Experian is engaging in commercial FRAUD and have violated my Consumer Rights under M.G.L. Chapter 93A, 18 U.S.C. 894, 18 U.S.C. 1028A, 15 U.S.C. 1681 ( e ), FCRA 623 ( A ). Experian is engaging in
Product: Debt collection

On XX/XX/XXXX I paid {$550.00} collection to XXXX XXXX and Monterey Financial Services. We agreed to delete and erase the collection from all credit bureaus and every credit bureau made the collection as Paid and Close when we agreed to be fully erased from all of them. Months after i requested Monterey to let the credit bureau know to erase the collection and on XX/XX/XXXX I received an email from Monterey confirming that they were going to send the request again and within six weeks it was going to be fixed, but eight months later nothing have changed at all. I had to dispute on XXXX and XXXX on my own. I submit a dispute to XXXX twice and all they tell me is The information is accurate, but consumer disagrees when Im clearly showing them where Monterey Financial Services agrees to complete deletion of the collection.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had GMfinance on my credit for 7 years reporting negative remarks and after the 7 years they filed a 1099 to where it now shows I owe money to the IRS. This is past the 3 year time frame to report a 1099 to the IRS and the amount reported is incorrect. When it was on my credit it was reporting the incorrect amount as well because they sold the vehicle and never filed with GAP insurance due to the accident I had in the vehicle. Did not agree to a charge off. Comments of Charge off paid in full was placed on to account after 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having problems trying to freeze my account information after the security breach at Equifax!
Product: Credit card or prepaid card

This complaint is in regards to cfpb complaint # XXXX. I filed a complaint with the cfpb in regards to my XXXX XXXX. The cfpb looked into the matter and contacted Barclays XXXX XXXX XXXX. Barclays XXXX XXXX XXXX noted in a response letter addressed to the cfpb and me that they would reinstate my Barclays XXXX XXXX XXXX. Apparently as a result of this response the cfpb closed this case. However, even though I received a letter from Barclays XXXX XXXX XXXX noting that I could begin to use my credit card once again on the specified date, the card continues to be declined when I attempt to utilize it. I did attempt to contact Barclays / XXXX XXXX with the telephone number provided on the response letter however I have failed to get a response back after leaving several messages with Barclays XXXX XXXX XXXX to do so. Would you please open a new case and follow up with Barclays XXXX XXXX XXXX to address this issue. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.
Product: Credit card or prepaid card

I took a vacation to a XXXX XXXX in XX/XX/2023 but did not get a hard copy receipt ; they told me the amount and said they would email it to me. When I finally received my bill on my Bank of America VISA is was over {$500.00} more than I was told by XXXX. I immediately contacted BOA to dispute this amount. I was unable to get a hold of this motel when I made reservations and again when I contacted them again about my bill. In my dispute I asked BOA to get me a copy of the bill. I gave BOA a copy of what I had paid initially ( {$2000.00} for my complete stay on XX/XX/2023 ). When I received a partial bill summary from BOA it showed that I had actually overpaid {$730.00}, being charged twice on one full day and twice for parking on the one day ( my car never left the garage ). BOA still declined my request writing : " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount. '' BOA was EXTREMNELY difficult to deal with, transferring me up to 5 times to find the correct person to provide any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It has been more than 30 days and still no resolution on my issue.
Product: Checking or savings account

I have an account with SoFi Bank, and they placed a restriction on it on XX/XX/XXXX due to a suspected fraudulent transaction. I contacted them to confirm that the transaction was legitimate and that the transfer was to my wife. However, despite this clarification, my account remains restricted. As a result, all my autopay transactions have failed, and my funds are inaccessible, making it difficult for me to pay my bills. I even received a late payment on my mobile bill because of this issue. SoFi has not provided any updates beyond stating that their internal team is reviewing the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquirys i did not make if they can prove them they can leave them after they prove i made them XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX are all fraudelent
Product: Credit card or prepaid card

Capitol one Savor card advertises 4 % cash back for Streaming Services and they even list XXXX Now as an example of " popular streaming services '' at this link XXXX XXXX XXXX XXXX XXXX XXXX Now was rebranded XXXX XXXX XXXX 2020. Capitol One refuses to give me a 4 % cash back on my XXXX XXXX subscription fee because its ( in their words ) " not XXXX Now ''. This seems like either false advertising or a intentional scam. After trying to resolve this with the company I got no where.
Product: Student loan

The restarting of student loan payments has been a COLOSSAL DISASTER, and the fault lies on the XXXX, for not funding these servicers, and the incompetent servicers themselves. Im accruing about {$30.00} a day in interest and they are not processing my SAVE plan application, which would pause the interest, nor telling me when it will even happen. This is completely unacceptable. They have a massive conflict of interest because the more loans they service, and the longer, the more they get paid. I have Nelnet. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Random account appeared in a collections account from XXXX. I have never done business with XXXX, and have no correspondence from any company by that name. Submitted dispute online through Equifax on XX/XX/2018, on XX/XX/18 I received an email stating that my dispute has been completed. When I attempted to log into the account, once I entered my information, I received an error stating my session had timed out and I must re-enter my information. After re-entering, it told me that the information entered in does not match records and was unable to access the results of the dispute. I called Equifax for an update on the confirmation number XXXX, and they told me that a dispute was never filed. When they opened the confirmation, they said it was only a consumer statement was added. Was advised that I would need to submit another dispute over the phone with Equifax. 
I also disputed this information with XXXX, and received the confirmation email also on XX/XX/2018. Today is XX/XX/18 and I have yet to receive a resolution on this dispute. It seems like these credit reporting agencies have no one else holding them accountable for following through with these complaints.
Product: Checking or savings account

Valley bank  located in XXXX Florida did not comply with obligations under XXXX  XXXX, Florida Statues and failed to exercise ordinary care when paid 2 fraudulent checks totaling {$190000.00}. After reviewing the 2 checks, it was very obvious that they are not valid instruments. The 2 checks do not have the complete name of the bank upon which they are drawn, the payor 's signature does not match, and the checks are printed on different paper and without the watermark.

The bank advised that the investigation would take maximum 10 business days and the money would be refunded, after 3 weeks, the bank refuses to return the funds.
Product: Debt collection

WE ARE BOTH XXXX AND WANT TO SUE THEM FOR VIOLATING SEVERAL CONSUMER PROTECTION LAWS.
Product: Debt collection

I Have Contacted the company to let them know the debt they assigned to me was an error on XX/XX/2019 and they let me know it was verified that the debt was mine i let them know it was an error and the debt was unverifiable and inaccurate