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

On XX/XX/2021 ago my maternal grandmother XXXX XXXX XXXX of XXXX XXXX, TX XXXX attempted to loan me {$400.00} for last-minute moving expenses as a result of an eviction. Of course this was already surprising and taxing considering I thought there was a current eviction moratorium. 

At any rate, shortly after trying to send me the funds via Zelle, my grandmother got a notification that I had received the funds. I assumed that all I needed to do was login to the Zelle XXXX ( which I may have used once or twice in the past - in my entire life ) and attach a debit card to get to the funds. 

Upon trying to login, I got repeated error messages saying I needed to contact Zelle customer service regarding my locked account. I called the listed number and was told by the auto attendant that call volumes were high and to expect a 45 minute wait. I stayed on hold for around 6 minutes before I had to disconnect to finish moving. Obviously, being in the middle of an unexpected move, I didn't even have those 6 minutes to spare let alone at 45+ minute wait the auto attendant kept telling me to expect. 

I've attached a screenshot with the error message as well as one while I was on hold to get in touch with Zelle support. 

At any rate, I never received the funds from Zelle and to my knowledge, don't even have an open account with them. The only time I ever remember using it was to pay for a computer from a guy off XXXX  at least 4 years ago, and I distinctly remember it being cumbersome and annoying at that time, and hadn't actively tried to use it since then. 

Again, I never received the funds from Zelle and ended up having to jump through even more hoops to borrow money to complete my unexpected move. Digital wallets are supposed to be exactly that and this is FRAUD on Zelle 's part - pure and simple. 

My grandmother 's funds need to be refunded and I can assure you I won't ever try sending nor receiving funds with Zelle ever again.
Product: Payday loan, title loan, personal loan, or advance loan

At the onset of the loan, they required autopay be set up. The loan officer accidentally entered the last digit of my routing number incorrectly, so the first payment failed. When I tried to go into the portal to pay, it was blocked because that payment failed, and I had to call in to make the payment, which they charge extra for. Was told it will be fine the following month. Fast forward 10 months later, and each month, it's the same thing. Payment wont go through, they make me call, and charge me extra. Last month, a lengthy discussion with the 'branch manager ' said she removed the blocks that were set form that first error. I did go in and set up autopay successfully on the portal for the first time. Now four days into the month, I see the payment didn't go through. I went back to the portal, and autopay was turned off, and once again the portal will not let me make the ayment 'because it is late '. They have stated each call that the first payment 'bounced ' which it didnt, it was an error on their side, but they say they can't change that perception of bounce. I believe that they are purposefully making it almost impossible to pay this loan as a practice to get people to default, and to charge extra fees for payment methods. This is VERY fishy, and I'm still struggling on how to make the payment this month as no one answers the phone, the portal doesn't work, and after all, I've done this every month all year already and it has never been fixed.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : - 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} 6. XXXX  Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit card or prepaid card

Accused of using the card in a " suspicious manner '' which resulted in fraudulent charges being allowed by the bank. 

Requested data from the company to arrive at these claims and have received nothing in return.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

WAKEFIELD & ASSOCIATES Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes Particularly in lite of the recent CFPD 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 wasnt feasible. The CFPD findings indicate that Zelle has not only neglected to protect customers but has also allow repeat offenders to exploit the system leaving users voulnerable to scam this lack of accountability and transparency is unacceptable and raises concerns about the consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX account type : collection, original creditor : XXXX  account name : XXXX XXXX XXXX XXXX, account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my consumer report since 2020 and have been told my by TransUnion, XXXX, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

+IN SUMMARY BECASUE OF MY XXXX I WENT INTO A LONG TERM REPAYMENT TO THEM OF {$42.00} A MONTH OFR 5 YEARS WITHOUT USE OF THE CARD AND MY DEBT WOULD BE CLEARED. AFTER ABOUT 10 MONTHS OF MAKING ON TIME PAYMENT TO THEM XXXXXXXX XXXX SOLD MY ACCOUNT TO XXXX. FROM THEN XXXX SUBMITTED TO THE CREDIT BUREUA THAT MY ACCOUNT WAS CLOSED WHICH HURT MY SCORE AND THEN XXXX INITIALLY AGGREED TO THE TERMS FOR ABOUT 2 MONTHS EVEN SENT ME A BILL FOR {$42.00} WITH AN {$18.00} DOLLAR HANDLING FEE WHIHC WAS NEVER PART OF THE ORIGNAL DEAL WITH XXXX XXXX. I HAVE SPOKEN TO MANAGEMENT LEVEL PEOPLE AT XXXX WITH NO HELP. RECENTLY THEY HAVE REPORTED ME LATE ON THIS ACCOUNT TO ALL 3 BUREAU THAT NO PAYMENTS HAVE BEEN MADE FOR THE LAST 3 MONTH WHEN IN FACT THE CHECKS WHERE CASHED BY A SERVICE CALLED XXXX XXXX WHIHC I AHVE NEVER HEARD OF. I WNAT THEM TO BE HELD TO THE SAME AGREEMNT THAT I AGRRED TO AND HAVE BEEN MAKING PAYMENTS ACCORDINGLY. I HAVE ATTACHED PROOF OF THE PAYMENTS MADE.
Product: Debt collection

I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREMOVE ALL INQUIRIES THEY ARE UNAUTHORIZED
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  Account # XXXX has violated my rights. 
XXXX XXXXXXXX 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 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.
Product: Credit card

When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protections laws, and I am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Comenity Bank calls from multiple numbers, sometimes up to XXXX times daily in an attempt to collect payment for closed credit card.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau, after careful review of my loan I was under the impression Regional Acceptance Corporation ( RAC ) was a helpful organization. However, they pray on induvial with poor credit and provide an unfair subprime loans practice. Granted when your facing financial hardships it shouldnt come at such a higher cost of subprime loans. There are well over 2,460,316 reviews on Consumer Affairs are verified this is a common practice of this organization. As an American who has always worked his way up the ladder of life. I have always tried to do what is right and fair by my fellowman. These subprime loan sharks must stop someone must put an end to this type of practice. 

On XX/XX/XXXX XXXX XXXX statement my XXXX XXXX XXXX was a total loss from fire damage, awarded {$11000.00} for the total value of the car. 

The car was purchased from XXXX of XXXX XXXX preowned vehicle with taxes and licensing total cost was {$27000.00} I have made a total of 42 payments = {$27000.00}. During the 4 years of payments, I have requested loan payment deferments, thinking the Regional Acceptance was helping me during these down times. However, what I didn't understand I was being changed a Daily Accrued rate of 17.965 % accumulated to an additional {$18000.00} in interest payments and still going daily. My payments was not being applied to the principle, but only to the interest payments. 

The car has been completely totaled the Insurance owns the title and paid off the value of the Vehicle. I have made several attempts to work with RAC. I've had conversations with managers, and they are not willing to write off the vehicle which at this point doesn't exist. I'm sure they have taken out a policy on the loan and can write this off with a very sizable profit. 

In my conclusion I'm seeking help for how to deal with this matter. I have seen well over a quarter of million claims against this Regional Acceptance Corporation ( RAC ) and their practices. What can your organization do to assist with this matter? 

Thank you for your time.
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. 

Account name : 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 has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 section 602 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 or information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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: Checking or savings account

I have called, and e mailed bank of americas compliance department regarding my account and funds that were deposited are from my long term XXXX, and funds from my IRA all of which Bank of America has been aware that I am exempt from such garnishments because I am XXXX and these funds have been deposited by XXXX my long term XXXX company. They also terminated my bill pay portal, and keep charging me NSF fees! Please stop this bank they are retaliating against me because I have filed in federal court an employment XXXX discrimination case against them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion, XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX : XXXX Block Request # XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # t XXXX XXXX Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
[ Identify item ( s ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include dates and account numbers. ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

I am immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor. 
I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has 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 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

Innovis Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Innovis never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!