23daVinci/CFPB_Complaints huggingface dataset:
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 institution and Zell 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: Money transfer, virtual currency, or money service

The bank performed an international wire transfer on Tuesday, XX/XX/2019 in the amount of {$43000.00}. The receipt indicates the funds should have been available on XX/XX/2019. To date ( XX/XX/2019 ), the funds have not arrived at the destination.

I have emailed my bank with no response. I have called and have not received a call back. I contacted the dispute number on my receipt and placed a trace on the funds with a request the funds be returned if found. To date, the funds are still missing. 

All account numbers, etc. on the wire transfer have been confirmed and are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my XXXX credit report and two closed accounts on my Experian credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These address and phone numbers are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am attaching FTC identity theft report and driving license
Product: Credit reporting or other personal consumer reports

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

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

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete these accounts immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed many times with Experian & directly with each account since XXXXXXXX XXXX XXXX. I am invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. I don't believe the credit reporting agency never contacted the FTC to verify the underlying facts alleged in my FTC identity theft affidavit. I am requesting that said ( CREDIT BUREAU ), disclose the source of their initial verified response, or will be forced to either delete all contested items from the credit report they maintain or compensate me for all credit denials attributable to the contested items in question, for ( Willful non-compliance ) and ( Negligent non-compliance ) with the FCRA. I have proof of my sending a letter of validation to each company by certified mail requesting a signature as validation, which they failed to provide, instead they each sent an invoice with no signature. An FTC Report was also filed, XXXX XXXX XXXX complaints and Consumer Financial Protection Bureau complaints were submitted as well. ( Please see screen shots ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX  inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me
Product: Student loan

My Navient account record states that my private student loans were sold three times in the past seven years : on XX/XX/XXXX for {$15000.00}, on XX/XX/XXXX for {$16000.00}, and again on XX/XX/XXXX for {$11000.00}. 

I was never notified about these sales and I do not believe that Navient has legitimate ownership of them, yet Navient continues to send threatening letters to me and make harassing calls to my phone number, saying they intend to escalate collection efforts and initiate litigation. I am XXXX with XXXX XXXX XXXX and have {$0.00} income and no assets, and I have informed Navient of this situation, yet they continue to harass me daily for collection of these loans which are not owned by them.
Product: Credit card or prepaid card

On XX/XX/2023, my credit card was charged for 3 fraudulent charges- {$5.00}, {$19.00} and {$79.00}. I immediately notified the Fraud Department at Synchrony Bank and was told a Fraud Claim would be opened. 
On XX/XX/2023, letter received from the Fraud Department - Fraud Claim approved and charges will be reversed in 10 days. The charges were not reversed in 10 days.

On XX/XX/2023 Fraud Department stated I did not need to make a payment during the investigation process. No interest or late charges would be assessed. Interest and Late Charge has been assessed. 
On XX/XX/2023, a charge of {$28.00} " transfer from XXXX '' appeared on my account. 
On XX/XX/2023, checked on progress of investigation- it will take 60 days. 
In May, I called the Fraud Department again to report interest and {$28.00} charged to my account. I was told all charges and interest will be reversed. Again, did not happen. 
XXXX XXXX, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had been made to me. To date, there has not been a response to my letter. 
On XX/XX/2023, my husband called and was told that the claim had been resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) have been reversed as was promised. 
In summary, I have had to make many follow-up phone calls, received several unfulfilled promises and after nearly 6 months still do not have a resolution.
Product: Debt collection

XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3900.00} Midland Credit Management claims I owe them along with the contract bearing my signature showing that I had ( or ever have had ) a contractual agreement to pay them. I, also, informed them that if they were unable to provide validation, they were in violation of FCRA & FDCPA and therefore must request all credit reporting agencies delete their entry from my credit report. I informed them that failure to respond in 30 days of receipt of this letter could result in small claims legal action at my local venue. 

Midland Credit Management did not respond to this letter. Instead, they sent another bill attempting to collect the debt from me the following month. 

XX/XX/XXXX : As a courtesy, I sent a follow up letter reminding them that by not responding in a timely manner, they had violated federal law and failed to provide any viable evidence bearing my signature to show the debt was reporting accurately. I informed them that since they had violated federal law by not properly investigating in a timely manner, they must now remove the debt from my credit report. 

XXXX XXXX : I received a response from Midland Credit Management stating that they had conducted an investigation and their records were accurate, but they didn't provide any documentation that proves they did a complete investigation or contracts with my signature that proves I owe them. 

Furthermore, Midland Credit Management is reporting the open date as XX/XX/XXXX but they didn't show up on my credit report until months later so they are indeed reporting inaccurate information along with being unable to provide contracts between them and me with my signature. 

I have asked Midland Credit Management twice to remove the debt from my credit report if they are unable to validate the debt or are reporting inaccurately and they have not.
Product: Credit reporting

I disputed a late payment from XXXX with XXXX XXXX XXXX XXXX on Experian. I provided documentation showing where the error was on their part. XXXX XXXX had agree to remove the late pay on their system based on this documentation. Experian did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Experian leave it on my file after the dispute?
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS has yet again reported inaccurate information under the motor vehicle section of my consumer report. Case # XXXX has absolutely NOTHING to do with my driving record. This case should NOT be reporting under my motor vehicle section. I literally just had XXXX other case 's removed not even XXXX weeks ago ( XXXX and XXXX ) these XXXX cases were removed for the exact same reason that I'm submitting this complaint/dispute today. This XXXX case # is also inaccurate because I've always had license and was NEVER pulled over without them. I also live in Texas not in Ohio. I think LexisNexis is mixing up my consumer file. 

If both case 's under case # XXXX XXXX XXXX XXXX ... XXXX Case # XXXX Lane Control Signals are not revised and deleted from my consumer report I'll sue for the max amount and enforce my rights under the FRCA. I'll include my Texas Driver 's License solely for the purpose of verifying my identity. I've also attached the incorrect and misreporting from LexisNexis.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to resolve this issue. I previously requested a re-investigation, but these agencies closed my last complaint without addressing the ongoing inaccuracies, which are still present on my credit report. 
This situation violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i : The credit bureaus failed to conduct a proper re-investigation of the disputed information, leaving erroneous data on my credit report. FCRA Section 1681e ( b ) : The agencies have not ensured that the information on my credit report is accurate an
d complete. The inaccurate data still remains, suggesting that reasonable procedures to verify the information were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without adequate investigation or meaningful action, violating the legal requirement for proper dispute resolution and follow-up. 

Despite my multiple attempts to resolve this, the inaccuracies persist. I demand that XXXX, Experian, and XXXX comply with the FCRA by promptly correcting my credit report and conducting a thorough re-investigation of the disputed items.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to. They did not provide me with the purchase agreement as I requested in complaint ID XXXX. This must be removed from my report since PRA failed to follow the law per the FCRA. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You sent a letter trying to portray that you are validating a debt and in the same letter stated that you are not trying to collect on debt, when in fact you are. Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. I have no knowledge of an account with said company. Being that PRA has stated that this alleged debt was sold to them means that this debt was claimed on taxes, therefore PRA is trying to collect money from a debt TWICE. SENDING A BILL IS NOT VERIFYING A DEBT! I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the attorney generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is stated above. 

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. 
TODAY IS XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX 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 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

I opened a Citibank Costco Visa card in XXXX XXXX and have used it for about {$9000.00} in charges, which I pay off in full every month. I get a daily email showing my act. balance. 
I went to use it on XXXX XXXX at Costco to make a {$430.00} purchase and it was declined so I used my XXXX XXXX XXXX to pay and called Citibank when I got home.I talked to 2 people who couldn't answer why until I finally talked to a Level 2 Account Manager by the name of XXXX. She was concerned that I paid off my amount every month and couldn't see any reason it was closed. She thought it was a system error and would get back to me, which she did.She said I had 4 payments on XXXX XXXX and XXXX that didn't go through. I was never notified by email, my account or by text that this happened nor did I get a late or returned payment fee. I use my XXXX checking to make payments and one did go through on XXXX XXXX. She said it was an automatic act. closure and I asked why I was never notified or if a human even reviews it. I asked for an email stating this and she said she couldn't do that. I said I have excellent credit, over XXXX and pay my balance every month and have XXXX in reward dollars. She said she was sorry and my act would be renewed. I got an emailed XX/XX/XXXX saying my act was reopened. I went to use my card at Costco today and it was denied. I called and talked to an Act. Manager named XXXX and he said my account was closed today and I wouldn't get any reward dollars I earned and it was for the same reasons as before. 
This is VERY unfair and I wonder since I pay off my account every month they don't make any money so they ripped me off for {$170.00} and closed it. I have contacted Costco and they are doing an investigation also. 
I have documentation to prove my end of this but it will be hard to attach, I don't know how. I can mail it to you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX BANK - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The Following Accounts are fraudulent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX ) XXXXXXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Mortgage

Re : Disputing Value : Loan Modification for Loan Number : XXXX I was approved for a loan modification in XXXX 2016. After careful review of the documents I noticed the value of the home that Ocwen was using was not the true value of the home. I disputed the value and I received a revised value that did not make a difference in the loan modification payment. I resubmitted the appraisal that shows the details of what work needs to be completed however Ocwen is refusing to take into consideration the appraisal which shows a $ XXXX difference. Below is a letter I recently sent and I have attached the original letter that shows the appraisal. The goal is to get a loan modification that reflects the try value of the home while offering a monthly affordable payment. 

On XXXX XXXX I provided Ocwen a appraisal that shows the current value of my home at $ XXXX. This appraisal included XXXX comparable homes that have no damage at : {$770.00}, {$770.00} and $ XXXX. Per our conversation today I was advised that the value Ocwen is offering is only {$720.00}. This appraisal I submitted provided detailed notes on the cost of repairs to bring the value up to fair market value. I am still disputing the value of the home Ocwen is offering based on the appraisal I submitted of $ XXXX. 
I would like the evaluation team to review the appraisal again and consider the amount of work that would get this property value up to where Ocwen states it should be. Again my appraisal is $ XXXX and I would like to have a loan modification based on that evaluation. This would allow my family to stay in our home with an affordable monthly payment. 

My last modification was approved by a Chapter XXXX judge and we used an appraisal similar to the one I provided and the judge approved. I am just trying to get a better deal on the loan modification and/or through a Principal Reduction based on the appraisal. 

We would like to have a new proposed solution that reflects the new appraisal of $ XXXX. The previous loan modification which shows that Ocwen was giving us a IN-HOUSE loan modification with a true Principal Reduction. Please see previous correspondence. 

Respectively, XXXX XXXX XXXX XXXX, XXXX, Ocwen Client