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

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in light of the CFPB case that has brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it would be hard to track these transactions and reclaim lost money. According to the CSPB 's findings, Zelle has not only failed to safeguard customers, but has also permitted serial criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to the safety of customers.
Product: Credit card

Made purchase with my Apple Card. Returned item. Refund was sent by Apple to the card. Refund has not been received. Refund was sent on XX/XX/27. I have called many times. When I call, apple sends me to GS, GS sends me back to apple. I have proof of refund from apple. GS states no knowledge of it.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023 Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( XXXX, XXXX ) 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 process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I am unaware of any possible reason why someone who attempt to collect $ XXXX+ dollars from me from a different state.
Product: Debt collection

I change phone company at the end of the month, this was in XXXX i send the rest of the owing monies XXXX XXXX XXXX, that is what i was owing them for the month of XXXX they said i owe for the 7 days of the month of XXXX $ XXXX. I called them and asked them for an explanation, they said go to the nearest XXXX XXXX store, they should help me, I went to the usual store, they said call XXXX XXXX i called XXXX XXXX, they said, go back to the store and tell them to call us from there. i didn't go, i'm a XXXX yrs woman, I have been with XXXX XXXX for XXXX yrs. never been late on my bill, they don't have nothing to say about my credit, the reason i change companies is because my husband and myself live in a fixed income and XXXX XXXX was to expensive for me. i don't think i should pay this bill, is ridiculous. I really hope you can help me with this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

So back in XXXX I noticed a bunch of error on my credit report. I reached out the the comapanies to fix the issue and most of them have but their are a few that still have not fixed it. 

XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX Not mine but it is reporting Bank of America account number XXXX opened XX/XX/XXXX I have been trying to reach them about this account that was opened that i was not aware off. They refused to submit documents or even report the account number so i can challenge it. 


Errors from XXXX XXXX account number : XXXX opened XX/XX/XXXX Ive had these guys and they told me that they were going to forgive the late payments due to the hardships i was having at the time.
Product: Money transfer, virtual currency, or money service

Zelle did not issue warning to ask for verification of receiver. Sent money to individuals by accident and not eligible for refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian and regarding a creditor I do not owe, every time I dispute it, Experian come back with " The debt is accurate '', I have asked XXXX XXXX XXXX to validate the debt per the FDCPA and they refuse, so I have asked Experian since you feel that is it accurate, to please provide me with the information that XXXX XXXXXXXX XXXX provided to you, and Experian refuses to provide me with the information, I have disputed multiple times and now Experian seems to be working with them I called Experian yesterday to ask again since another disputed came back accurate, I ask to speak with a supervisor and the rep put me on hold for a while and came back and said that the supervisor was going to call me back, but no one called me back of course, XXXX XXXX XXXX is committing fraud, and Experian seems to be working with them? 
how can you not explain the debt per the FDCPA, Experian and XXXX XXXXXXXX XXXX are in violation
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Equifax, and Transunion regarding the inaccurate and inconsistent reporting of a collection account allegedly originating from XXXX Credit Card. 

There are multiple violations across my credit reports : The account is being reported under XXXX different names across the credit bureaus XXXX ( TransUnioXXXX ), XXXX XXXXXXXX XXXX  ( Equifax ), and XXXX XXXX XXXX ( Experian ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ) as it misleads lenders and affects my creditworthiness. 
The original creditor is misreported as XXXX XXXX XXXX XXXX XXXX TransUnion but only XXXX Credit Card on the others. There is no creditor named XXXX XXXX Credit Card, and this indicate an error. 
The account is being reported as both Open and In Collection at the same time, which is inaccurate and misleading. It is illegal to report a collection account as an open account, especially when it is in the hands of a debt buyer and no longer active with the original creditor. 
The payment histories across the three credit bureaus are conflicting. TransUnion has no payment history, while Equifax and Experian report months of collections, many of which appear duplicated and unverifiable.

This account was never validated or verified with me in accordance with the FCRA and FDCPA. I never received a notice of collection or validation of debt per the FDCPA 15 U.S. Code 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Product: Credit card or prepaid card

Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate.
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 process 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 violation 's.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Equifax.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Property Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Borrower ( s ) : XXXX and XXXX XXXX We originally opened a HELOC with XXXX. Loan was transferred to XXXX. 
Full payoff in the form of a bank check was sent on XX/XX/XXXX and received by XXXX on XX/XX/XXXX ( see attached proof of receipt ). Check was cashed XXXX XXXX XXXX ( see attached ). 
XXXX ) XXXX has listed the account on my credit report as charged off. According to our records the account was never in charge off by either XXXX or XXXX. I would like this corrected on my credit report. 

XXXX ) The XXXX release letter lists XX/XX/22 as the payoff date. This should be corrected to XX/XX/22 when the check was received as per the attached documentation.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I sent my friend, the recipient of the money transfer, XXXX XXXX Dollars. When my friend attempted to pick-up the Money on XX/XX/XXXX, she was unable to receive it at all of the locations she attempted and was told that the amount sent could not be paid out because it exceeded the amount of money that a Moneygram location can payout in the Country of XXXX. There appears to be some sort of restriction that Moneygram denies, after several calls to Moneygram I was unsuccessful with getting any information and was told by multiple Moneygram representatives for the recipient to go to yet another location to receive the money. She went to all locations provided by Moneygram and each told her the same thing, that she can not receive the money because it exceeds their governmental restrictions for Moneygram in the country of XXXX. Moneygram is stating that the in country limit is XXXXXXXX XXXXXXXX dollars per transaction and Moneygram within the country of XXXX is stating that the limit is XXXX XXXX dollars per month per person. Furthermore many of the locations Moneygram said for her to go to do not exist and she wasted her time even though the location and address was provided to me and I to her by an official Moneygram representative.

This is a huge discrepancy and both the recipient and I are inconvenienced by the matter and are at a loss of how to either get the money in person in XXXX OR get the money back and receive a full refund of all fees for the transaction. I phoned in several times and was told that the money would be delayed in getting back to me and that they will not refund it. I was told once again to have her go to yet another location. 
Please assist me with my refund in the total amount of XXXX US Dollars back to my bank account with which Moneygram unfaithfully took my money transfer and did not pay out.

Regards, Moneygram Reference number : XXXX Thank you in advance for your kind assistance with this matter.
Product: Vehicle loan or lease

Hello, I had my car refinanced through XX/XX/XXXXback in late XXXX. In early XXXX, a payoff check was sent by XXXX and XXXX ( new lender ) to Bridgecrest to payoff my loan. Bridgecrest received the check on XX/XX/XXXX. XXXX and XXXX noted they had the wrong amount sent on XX/XX/XXXX, so they reissued a new check with the correct amount and put a stop payment on the 1st check. Bridgecrest received the 2nd check and proceeded to sit on the check until XX/XX/XXXX when they finally attempted to cash it over a month after receipt. XXXX and XXXX sent a 3rd check that was received on XXXX XXXX by Bridgecrest. That to this day, Bridgecrest has failed to apply to my account. During this time, I was not notified that the checks weren't cashed. As I received an update on my credit report on XX/XX/XXXX. That stated my Bridgecrest account had been closed. However, on XX/XX/XXXX around XXXX, I received a call from Bridgecrest stating that they needed to speak to the new lender due to the checks having some issues and they wanted me the customer to contact the new lender for them. I obviously was unable to speak to anyone at XXXX  or XXXX  due to the time I initially received the call. I suggested to XXXX that, they normally make contact with the lenders with regards to checks and that has nothing to do with me so I advised they continue to try to contact XXXX  or XXXX. On XX/XX/XXXX, my vehicle was repossessed without warning. When I spoke to Bridgecrest they stated it was due to lack of payment, which made no sense as I hadn't been notified that my vehicle was at risk of repossession. I think made several attempts on XX/XX/XXXX and XXXX to resolve the situation with XXXX along with XXXX involved in the matter with no avail. As Bridgecrest, constantly was stalling telling me that there was no one that could verify the check being received back in XX/XX/XXXX, yet I was never given an option to speak to anyone who had knowledge on fixing the situation. I was constantly referred to having to " wait '' until a manager can resolve the issue. However, here I am 9 days since the repossession and no further along in getting a clear understanding from Bridgecrest. The only thing I'm told it's my fault to keep the account current, which has no standing since the account was closed on XX/XX/XXXX, but yet reopened by Bridgecrest. This company received a payout 3 months ago and this issue is still not resolved. Bridgecrest is without a doubt the most incompetent and fraud ridden finance company in existence.
Product: Checking or savings account

On XX/XX/XXXX I cashed in a cashier 's check and it was said to be available 24 hours on XX/XX/XXXX. I had an emergency and was provided an advance of {$1000.00}. The next day the funds were not available and my account was sent into the negative. I was under the assumption that my funds would be available and that my account would be positive so I set up bill pay and used the {$1000.00} that was provided. The extended hold caused me to incur overdraft fees and insufficient funds from the bill pays I set. The bank approved the removal of 2 overdraft fees but refused to honor the removal of any additional fees caused by the extended hold.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer s right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an af firmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to cr edit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to cr edit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to cr edit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaf filiated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to cr edit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

Capital One failed to send me a copy of an audit trail that I requested in XXXX of 2021 to check the validity of the alleged debt being furnished on my consumer report.
Product: Mortgage

Servicer has been dual tracking since XX/XX/scrub> 2024. 
Evidence attached
Product: Credit reporting, credit repair services, or other personal consumer reports

There are phone numbers and accounts showing poor when I am not in bad standing my credit has not been able to get above because of this information provided
Product: Debt collection

I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.