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 issue with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle failed me. 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 user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Bank of America that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees
Product: Checking or savings account

XXXX XXXX  Transactions. 
{$920.00} XX/XX/2023 {$510.00} XX/XX/2023 {$510.00} XX/XX/2023 I use my XXXX XXXX account for my company, so I have plenty of XXXX XXXX  transactions throughout my history. On XX/XX/2023 I noticed these transactions had posted to my account but I hadnt been using my app. I went to log on and my password had been changed and I had no way of getting in my account. I had to call/emaiXXXX XXXX  and explain my situation. They were able to close that XXXX  account to ensure there were no more withdrawals made. As far as refunds XXXX  XXXX  was little help and stated I should contact my financial institution ( Huntington Banks ). So I contacted my bank and a dispute was filed. While filling my dispute I was asked minimal questions pertaining to my actual dispute and was rushed off the phone so they could transfer me to another employee who tried to sell me car insurance. I didnt feel right about it but figured they would handle the situation. After they denied the dispute, the evidence to support was sent to me and was just a list of 5 previous XXXX XXXX transactions I had made weeks prior. Again I use for business so theres ALOT. 
There was no mention of why they choose not to investigate further. I called, tried to gather information from them to appeal, and had an even worse experience on the phone. I was told sure you can try and appeal but its not gon na help you anyways. So I waited 10  more business days for them to deny again and not investigate further.
Product: Debt collection

Mercury Card Services has called repeatedly every day for months. They call 3-4 times per day while I am at work and do not leave a message or a call back number. I thought the debt was set up on auto-pay but it wasnt.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a XXXX star with XXXX review, XXXX star with XXXX, XXXX star with XXXX, and not even XXXX  accredited. Yet they can intrude on consumers credit report and harass consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602A. 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: Debt collection

I called told them to stop calling me they have called twice in XXXX day but I deleted it. Again today I have them blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX  and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX Prestige acccount # XXXX derogatory remarks hasn't been removed. 
Prestige is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of 30-59,60,90 days still on credit reports. 
As XXXX, XXXX  and XXXX  are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to Prestige.Please review XXXX XXXX   statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to XXXX and XXXX I sent a email to creditor Legal Counsel Manager XXXX XXXX XXXX Ext.XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX - GA XXXX phone XXXX pulled my credit information from the 3 main credit Bureau without my CONSENT and my knowledge. Causing my credit score to lower points I had a previous dispute with them in the BBB and personally. 
XXXX XXXX XXXX has over 400 complaints n the BBB and also on the consumer page of Claims and complaints. 
How can you allow a company with over 400 complaints to continue harming consumers?? 
ONE cOMLAINT SHOULD BE ENOUGHT FOR them to be investigated. 
IThey had no right to pull my credit and it is a violation of federal laws to pull people credit without their consent and a violation of my privacy Thank you XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been studying the Uniform Commercial Code, the United States Code, the Code of Federal Regulations, Negotiable Instrument Act, and the Bill of Exchange Act. I realized while studying these articles for the protection and education of the consumer that the instrument that was delivered to me at the dealership was a self-liquidating asset, which could be made payable to the bearer or to the order of someone. Once I realized this, I tendered the instrument to them in full satisfaction of the claim, to which I was denied and told that the promissory note had no value and was threatened to be reported for fraudulent activities. I have tried to explain and requested that they, since they claimed to have no knowledge of the UCC and that the UCC did not govern any part of the transaction between us, look it up and learn for themselves. I also sent in letters explaining what these things actually are with no success. I also learned that the bills that were being delivered to me via mail were due bills that could be converted into negotiable instruments, according to the UCC, and seeing how they have an account and routing number on the bottom of each payment coupon, it indicates that what is being issued are checks. Their refusal to listen and learn has led to the closing of my account and a repeated injury to my credit score.
Product: Checking or savings account

On XX/XX/XXXX, I received emails from Chime banking, claiming that I had opened an account with them and that my debit card was in the mail. I suspected a scam, but navigated myself to Chime 's website, where I was able to login to an account that had my full name, social, mailing address, phone number, and an active checking account. ( I did have to reset the password to get in. ) I did not and have not ever created an account with Chime banking in my life. I called Chime banking about this problem, and while they were able to close the account for me, this should have never happened in the first place.
Product: Debt collection

The XXXX XXXX company is charging me for a debt that was closed XX/XX/2015. I received paid in full from Lincoln and it showed up 2 years later
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX ACCOUNT XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days or the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Debt collection

Uniting collecting agent is trying to collect an illegal debt without any information of the original paperwork. I never done any business transaction with this company. I want all the information removed from my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX VT on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XX/XX/XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. My information was given to an unelected and uncleared individual and this is a clear violation of FERPA and it's responsibility to protect my personal information.

I want to discuss next steps as to how I can address this very significant personal information breach.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

I have called several times for PAYPAL MASTER CARD update my BALANCES and send to the credit bureaus with URGENCY. They keep not reporting the current balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today I submitted a complaint against XXXX and included Equifax. There is only enough space to upload so many documents. 
This complaint is against Equifax and I will include XXXX but will be uploading evidence from Equifax. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of Education XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by Equifax today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. Equifax only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue. 
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items maXXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and DefamationAccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name__Portfolio Recovery/ Capital One_________ Date open_____XXXX_________________________________ Account Number____Capit Reason for dispute_IDENTITY THEFT___ Account Amount_____XXXX________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX Equifax are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXX XXXX on dates XXXX, and XXXX XXXXXXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Product: Debt collection

My checking account was closed to do this fraudlent check which i thought was taken care of back in feburary. Then I had to get my bank involved over a {$300.00} check that never should have cleared. My checks were thrown away! I will be sending over documentation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding discrepancies on my credit report it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding a 30 day derogatory marks that appear on my three credit bureaus reported by XXXX/XXXX XXXX  XXXX XX/XX/2020. I dispute these and drequest a full expulsion of this 30 late imprint dependent on the instituted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illicit ) a particularly injurious imprint, subject to its terms. The reason for this letter is to ask that the slanderous imprint promptly be accounted for as current to the three significant credit detailing organizations, Experian, XXXX  and XXXX, so this matter be settled genially and with no court intercession. Prior to the missed payment, I attempted to contact XXXX regarding my charge card payments, but ineffectively because of hold times a few hours in length. My income has been temporarily adversely affected by the COVID-19 outbreak, I have encountered serious monetary and a wellbeing difficulty because of the financial halt that our nation is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XXXX XXXX. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period