23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent several letters out to XXXX  XXXX  and equifax ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte
Product: Debt collection

I called XXXX to find out the amount I owed them. They gave me that amount and I paid it, only to find out ( weeks later via a credit report ) that I had a collections notice for more money. They are n't getting back to me and I have tried to reach out and see if they can assist me in resolving this issue, but they are n't getting back to me with any options.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Unjust Account Closure Without Notice or Proof To Whom It May Concern, I am writing to formally express my disappointment and frustration regarding the abrupt closure of my Zelle account. This action was taken without any prior notice, explanation, or evidence of wrongdoing, which I find unacceptable and highly unprofessional. 

I have been a responsible user of Zelle, and at no point was I informed of any issues or violations associated with my account. Despite my attempts to seek clarification, I have received no concrete evidence or details substantiating claims of fraudulence or any justification for the account closure. The lack of transparency and communication in this matter is both troubling and inconvenient, leaving me unable to access services I relied on for my financial transactions. 

As a customer, I deserve a clear explanation, as well as access to any proof or documentation that led to this decision. Furthermore, the absence of prior notice not only undermines my trust in Zelle but also places an undue burden on me to resolve an issue I was not even made aware of in advance.

I kindly request immediate clarification and resolution of this matter. Specifically, I am seeking : 1. A detailed explanation of why my account was closed.

2. Any evidence or documentation used to support the decision.

3. Steps I can take to appeal this decision or have my account reinstated. 

I believe this situation could have been handled in a more professional manner, and I urge Zelle to review its internal policies to ensure fair treatment and proper communication with customers. 

Please address this matter promptly. I look forward to your response within a reasonable timeframe.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 institutions 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 CFPB 's 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: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Product: Debt collection

National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was searching for a specific firearm to use while Deer hunting in Ohio. The XXXX XXXX XXXX series was difficult to find but one website XXXX XXXX XXXX XXXX XXXX had them in stock. The website seemed legit, and I excitedly checked out on the website but noticed something curious upon checking out. The website only accepted XXXX or Bitcoin for checkout and instructions would be sent via email after purchase. The bitcoin was a red flag, but USAA ( my personal bank ) uses XXXX, so it seemed like a trustworthy payment method similar to XXXX that would protect me in case of fraud or a scam. After receiving an email about the checkout process ( see attachment ) I was informed payment would be sent to XXXX. This also sent up some red flags as the email did not seem like an official store XXXX account, but I ahve previously purchased a firearm from XXXX and the sales associate from XXXX has a similar setup regarding payment ( except it was XXXX, not XXXX XXXX. I proceeded to send the money ( {$1000.00} ) from my USAA checking account to the email via XXXX on XX/XX/2022 ( see attachment ) to purchase the firearm. I received an immediate response that the order would process and I would receive shipping information word shortly. After not receiving any follow-on word about the order, I did a quick search and found out that it is a scam website and my initial instincts were correct. I wasn't concerned because if XXXX was anything like XXXX they would refund my money and help prevent others from getting scammed. Sadly, my complaint to XXXX went nowhere ( see attachment ). They informed me that the recipient 's bank refused to help and refund the money back to my account ( no surprise there ). USAA was also informed and their investigation also found similar results with the recipient refusing to refund my money ( see attachment ). I am furious that USAA uses a service like XXXX and it has literally become a pipeline for scammers to sucker people out of money who believe it to be a trustworthy app like paypal or a normal credit card that protects customers from scams. I am also extremely dissatisfied with both company 's handling of the situation and how little help I received with the investigation of this scam and receiving my money back. I will continue to fight this until my money is refunded and that website is no longer online so others do not have to suffer this loss. Please help me with my cause.
Product: Prepaid card

My son passed away on XX/XX/2023 i was trying to notify agencies to let them know, irs medicare etc. monts later i was looking in his wallet and saw a wisely card i wasnt sure what i was so i called and found out it was his bank, i was finally able to find a live person i was told to close it since he had funds that i was not aware of, i was sent a link i did what it said two pieces of i.d and a death certificate. But then i was told i needed his power of attny. I said how would i know that when my son moved in he was basicly homeless, he owned nothing then it was a beificiarry deed i said who ask their child about their death so they get to keep his funds i cant ask him now i said you people should have that info, not me their is only me and his mother and she has XXXX and is XXXX XXXX XXXX XXXX XXXX XXXX  and i have no idea where since we havent talked in over 35 years, then they said write a short letter just saying you are the beinifiarry that didnt work then i was told a team was working on it and would call me the next two days nothing their is no way to email them XXXX XXXX XXXX cant help you a.d.p. wont help you so you can only call a support number that sounds like a call center working out of a phone booth in XXXX you are put on hold cant hardly understand the person and generaly given the run around, even if his parents arent intitled to his funds thats fine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : - XXXX XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX, XXXX ; ( Inquiry ) - XXXX XXXX XXXX XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXXXXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) XXXX XXXX XXXX  XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 XXXX ( Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ; ( Inquiry ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, XX/XX/2021 ; ( XXXX ) - XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX, XX/XX/2021 ; XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX, XX/XX/2021 ; ( Inquiry ) - XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; ( Inquiry ) - XXXX, Account # XXXX ; {$2800.00} ( XXXX ) - XXXX Bank, Account # XXXX ; {$3000.00} ( XXXX ) XXXX XXXX Bank, Account # XXXX ; {$3500.00} ( Transferred ) - XXXX Bank XXXX Account # XXXX ; {$4500.00} ( Transferred ) - XXXX XXXX ( not my XXXX XXXX - XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( NOT MY ADDRESS ) 15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without written instructions.

Please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Checking or savings account

Found games for sale. Seller asked for payment through cash app sent almost XXXX when he sent me the shipping address. Product never came and he kept making excuses. Tried getting a refund and cash app said they couldn't do anything and denied my refund! Ended up being a fake account too scam people.
Product: Checking or savings account

I paid a bill using " bill Pay '' through my local bank checking account. The bill was to the XXXXXXXX XXXX XXXXXXXX for {$150.00}. This was a utility bill payment to the XXXX XXXX XXXXXXXX, OK. The bill pay check was printed and mailed but stolen during the mailing process. The stolen check was then cashed at a Chase Bank even though the check was clearly made out to the XXXXXXXX XXXX XXXXXXXX. Chase has decided to not share ANY information regarding the check cashing transaction. 
Date of stolen check : XX/XX/XXXX Date stolen check was mailed : XX/XX/XXXX Date stolen check cashed at JPMC XXXX XX/XX/XXXX I have filed a police report. 
I have filed an electronic debit dispute with my local bank. 
My complaint is with Chase Bank carelessly cashing a stolen check clearly made out to a municipallity and should immediately reimburse those stolen funds.
Product: Mortgage

At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.
Product: Debt collection

I found out about this debt for the first time from my brother contacting me on XX/XX/year> to inform me that this company claiming to be a law firm was trying to send me court papers to sue me for a debt that is owed. so I called them back very upset because i never provided my families information to anyone and they do not have the right to say that they are going to sue me and not even notify me by mail or phone. They refused at first to give me info for their company. He told me to call back when I have a better attitude. Then on XX/XX/year> another person with a very thick XXXX accent but told me that his name is XXXX XXXX. When I told him that is not your name he replied that is his business name. So their employees are giving false information. I then asked why they did not contact me and they just kept asking me for my routing and account number when I told them absolutely not I will not be giving some random people giving fake names over the phone my back info she started to make threats that if I did not and if I hung up the phone she would me suing me and making things for me way worse. I ended up ending the call. I called back to get the name and let them know that they violated the FDCPA multiple times by not stating the mini Maranda, lying about their names, not stating who they are, refusing info, contacting my family and thats when they told me the name of the company. The company is Midland Credit Management company phone XXXX when i looked them up they have been reported multiple time to the XXXX  and other issues.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX 2023
Product: Debt collection

The company took my information and thanked me for my time saying debt was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NAVIENT XXXX XXXX XXXX/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

For the past few months I've been disputing this account directly with York Credit Bureau or whatever their name is. I don't even know if they exist at this point, the only way I've ever heard from them about this was a phone call at work, and from my credit reports. I did not appreciate how aggressive they were, and they did not provide me with any information about what the debt was for! They didn't even tell me they were debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lundquist Consulting Inc. ( LCI ) reporting a wrong innacurate bankruptcy on my file an they give it to XXXX it should be there it causing me money issues pay more interest for something thats is incorrect sn should be on my credit report