23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that pointed out major issues with the platform. Despite using Zelle many times and reporting problems, my bank and Zelle didn't properly investigate my claims. They told me that recovering lost funds was impossible and that tracking these transactions couldn't be done. The CFPB 's findings show that Zelle has not only failed to protect consumers but has also let repeat offenders exploit the system, leaving users open to scams.This lack of accountability and transparency is unacceptable and poses significant risks to consumer safety.
Product: Debt collection

Parrish and Lebar is suing me on behalf of XXXX XXXX. The debt is for XXXX that had to be done to remove a XXXX XXXX. The first XXXX the doctor claimed he couldnt complete due to XXXX which I was told an antibiotic would prescribed before XXXX to prevent this. Im being billed for the XXXX and use of facility. I have paid the bill for XXXX which was lower than the use of facility fee. They tried to garnish a company I dont work for with the wrong social security number on the garnishment. The first notice was sent to an old address. I didnt find out about the court date until 2 days before. I have tried making payments arrangements or settling to remove the lien place on my property they will not agree. Each month I make a payment the bill is higher due to them adding interest. At this point I will be paying this bill the rest of my life
Product: Credit reporting or other personal consumer reports

I was going through my Equifax report and I notices an unauthorized hard inquiry and I was very upset. Because I have been dispute this since XXXX and Equifax over a year and the company fail to remove it.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered discrepancies that are negatively impacting my ability to obtain credit. I am requesting that you investigate and verify the accuracy of the following details. Below are the accounts I need you to confirm : XXXX XXXX XXXX ( Account number : XXXX ) XXXX ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX XXXX ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX XXXX ( Account number : XXXX )
Product: Debt collection

On XX/XX/2022, I received a letter from TrueAccord collection agency stating they were working for XXXX XXXX XXXX without a 1006.34 Notice for validation of debts. 

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section. 

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 

On XX/XX/2022, I filed a dispute with TrueAccord, CEO XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX - XXXX # XXXX - XXXXXXXX XXXX XXXX for {$500.00}. 
This alleged debt is being reported to my 3 CRAs even though TrueAccord and XXXX XXXX XXXX can't validate it. 

This account should be deleted as soon as possible by TruerAccord XXXX XXXX XXXX XXXX. 
You will find all communications attached and I would like to draw your attention ( CFBP ) agency to a letter from TrueAccord XXXX XXXX XXXX XXXX that fails to mention the right to dispute within 30 days, as required by law. 

Sincerely,
Product: Student loan

About two weeks ago, I was reviewing my credit report and it dropped from XXXX to XXXX. Federal student loans served by Edfinancial are being reported as closed and as separate loans, even though its one loan with different disbursement dates. Edfninacil says its due to different disbursement periods. Iam still in same school and it should not be reported as if I am already out of school. 
Also, accounts are reported as closed yet current. This places me as irresponsible individual taking out loans and closing them, when I am not. 
I threatened them to go to department of education, and they said, the same info will be given and its no difference. 
Resuming, I have an unsubsidized loan which I do not control disbursement dates and each disbursement its being placed as a new loan and reported as such, and accounts as closed. 
They said they fixed the closed acct issue but reporting will stay as is. 
This is affecting me as if I have too much debt and should not be even reported yet, since this student loans are automatically deferred until 2020, but they even put those notes on my reports, as if I requested deferrment. They also say problem lies with XXXX university which call themselves XXXX global online but I begun with XXXX university and had no choice in this matter. Meanwhile, My score has decreased and affected my credit and life.
Product: Mortgage

I recently tried to refinance my mortgage. I have a FHA backed loan with an FHA case number. Chase told me that the loan was not an FHA loan, but I sent them documentation showing that I had an FHA case # attached to my statement years after the loan closed. I also had the HUD-1 that proved the same.

The loan officers proceeded to tell me it was showing FHA, but they couldn't find the case number. I've been getting charge PMI on the FHA loan since XX/XX/XXXX, but they couldn't refinance as FHA. Instead of investigating further, the loan officers just repudiated the loan. The loan officers are XXXX XXXX NMLS ID # XXXX and XXXX XXXX.

Please look into this case. Before contacting a lawyer about this, I would like to see if Chase can get this resolved internally. There seems to be something dubious about this to me.

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have nor have ever had a XXXX Bank credit card nor bank account. This is an error.
Product: Credit card

On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account has been paid in full and Experian is reporting it as a charge off. Also, Experian has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. 

The correct account number is : XXXX Thanks You
Product: Money transfer, virtual currency, or money service

I am making a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective steps to prevent and resolve fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive since they failed to follow the Electronic Fund Transfer Act ( EFTA ) and Regulation E 's error resolution criteria. These actions have caused major difficulty and financial loss, so I demand proper recompense.for these violations.
Product: Debt collection

XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.
Product: Bank account or service

Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''
Product: Debt collection

On XX/XX/2018, I received a credit alert that a new collection account in the amount of {$110.00} has been added to my XXXX  credit report ( I assume it will be added to my XXXX and XXXX reports as well ). The  company listed is I C Systems Collections. I have never received any communication from this agency ( no letters, phone calls, etc. ), and I have no knowledge of this debt/account. The placement of this collection on my credit report has dropped my credit score 49 points. I would like this information removed from all three of my credit reports as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, USPS tracking number XXXX, I mailed XXXX a handwritten letter, appropriate proof of the identity and some FTC reports due to incorrect items on the file they have on me, XXXX XXXX a consumer in fact. This is now the 5th time that I have mailed in letters and FTC reports addressing this issue with either no response or a generic response. The latest response claims that the letter and reports I sent did not come from me and therefore they took no action. I am not sure how XXXX can make that determination considering I sent in appropriate proof of my identity, hand wrote the letter myself, I have sent them the FTC reports several times, and they did nothing to verify that the letter was not sent from me. According to 15 U.S. Code 1681b ( a ) ( 2 ) 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 instructions of the consumer to whom it relates. I have not given any permissible purpose to report my personal dealings with any other sources. XXXX or any other consumer reporting agency for that matter These accounts have been affecting me for a few years and Ive tried several times to address this matter with XXXX  to no avail. As a victim of identity theft, I filed a report with the FTC sent it in to the appropriate consumer reporting agencies ; XXXX took no action once these reports were received on XX/XX/2022. According to 15 U.S. Code 1681c2 ( a ) Except as otherwise provided in this section, 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 by such agency of ''. I have been denied multiple times due to this inaccurate reporting by XXXX. Furthermore, I explained to them that according to 15 USC 1681b ( 6 ) since XXXX, EXPERIAN, & XXXX operate nationwide, they should have removed the accounts and alerted one another in order to keep accuracy on all reports and comply with this law. The hardship this has brought to me, and my family cant be explained in words, but I am making that attempt now. I have no confidence nor trust in XXXX as they have willfully and knowingly kept reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and XXXX is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and incorrect personal information, I have filed a new FTC report to go along with this complaint as well.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================================ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My son passed away in XXXX and he had funds in Chime. Before XX/XX/XXXX, I contacted Chime 3 times and they told me each time they would send the information to the correct department and they would contact me. They never did. My husband contacted them on XX/XX/XXXX and they did send him an email requesting a picture of his ID and my sons death certificate. I sent that information as requested on XX/XX/XXXX. They sent an automatic email saying they would be in touch within 4 hours or longer if it was outside business hours. They never contacted us. He received emails saying that since he never responded to their requests, they were closing the request. We had not received anything else. Again I called and again had to go through everything with a customer service rep as though nothing was in the account records. Again they said someone would contact us. They told us that a different department handles this type of issue and they had no way to contact them other than email. We never heard from anyone again. On XX/XX/XXXX, I called again I explained I was trying to close my deceased sons account and nothing was being done. The man I spoke to said the account was indeed closed on XX/XX/XXXX and they had the necessary papers. He said he was not able to cut a check but filled out a form and would submit it to get this matter closed. He told me the total check would be for {$390.00}. I was to receive an email but I never did. I called again on XX/XX/XXXX. Again I had to start over snd explain everything. I was told that they would have to send an email to another department because they did not handle this matter. I got really frustrated and angry. The way they were treating me, you would have thought there were millions in this account. No one knows what is happening in that institution. You better hope you get everything handled the first time because it all becomes new information every time you call. I was finally able to get a supervisor who again was no help. Shell send an email to the correct department. I was amazed when I did get an email, however, it was asking me to upload the same documents that I have already send but I sent them again any way. I got my email back saying they would contact me within 4 hours unless it was after regular business which could take longer. That was on XX/XX/XXXX. It is XX/XX/XXXX and I have not heard a word. I replied to the email on XX/XX/XXXX and stated that no one contacted me but to no avail. No one will help with this account. I dont want to deal with my sons accounts at all but I have to. I just want it over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute : Inaccurate Reporting of Collection Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a collection account from XXXX XXXX  that appears on my TransUnion credit report. It has come to my attention that this account is reported with the same date for " last verified, '' " last activity, '' and " report date. '' This blatant inconsistency raises serious questions about the accuracy and integrity of your reporting process and violates the Fair Credit Reporting Act ( FCRA ). 

The account in question ( Account Number : XXXX reflects the following problematic reporting : - **Same Dates Recorded : ** The dates for " last verified, '' " last activity, '' and " report date '' are identical, suggesting a lack of diligence and accuracy in your reporting practices. This misleading representation distorts my credit history and affects my creditworthiness. 

As a consumer, I am entitled to a fair and accurate credit report. Therefore, I demand the following actions : 1. **Immediate Investigation and Correction : ** Conduct a thorough investigation into the reporting of this collection account and rectify any inaccuracies in a timely manner.

2. **Written Explanation : ** Provide a clear explanation as to how these discrepancies occurred and outline the processes you have in place to ensure accurate reporting.

3. **Monetary Fine : ** Due to these violations of the FCRA, I am demanding a payment of {$1000.00} for each violation related to this account, totaling {$3000.00}. Your failure to maintain accurate records and your carelessness in this matter warrant financial accountability. 

I expect a swift resolution to this matter. Your immediate attention to this issue is essential. 

Sincerely, XXXX XXXX Enclosures : Copies of supporting documents.
Product: Debt collection

My husband and I moved out of the XXXX XXXX  XXXX XXXX on XX/XX/2014. At the time my name was XXXX XXXX last name in now XXXX. We were six months into our lease and we had to move, because my husband was transferred to XXXX Oklahoma for work. We did break our lease, but we paid everything that we owed before we left. After we moved the apartment complex was putting eviction notices on our door ( we have proof of this, someone sent us pictures ). The apartment also had someone move in while the lease was still under our name. We had a lawyer and all. The apartment complex ended up selling the account to a third party collection agency. The XXXX XXXX   XXXX ended up being bought out by a different company. They couldn't/ wouldn't even verify the debt when we tried renting another apartment. The apartment complex needs to report to national credit systems that we don't owe the debt. Since we never owed it anyway, and They sold the debt and then sold the company. I've been battling this for 4 years. Our apartment number was XXXX when we lived there. We lived there for 18 months total.
Product: Debt collection

On XX/XX/19 at XXXX XXXX I contacted XXXX XXXX XXXX XXXX/ XXXX XXXX hospital at XXXX, I told her that Ive been paying XXXX a month which thats the only thing I could pay, she said we cant accept that type of payment, is not that am not willing to pay I really cant pay more, than she said dont you work at XXXX you should be able to pay more. If you send XXXX dollars we would have to send the payments back, I really didnt like the fact that she said I could pay more cause I worked at XXXX. Plus that they would send the payments back not willing to listen, I said I dont appreciate you telling me that because I work at XXXX I have to pay more, she was I dont have to listen to you, you need to pay more and hang up. My debt if XXXX dollars I have more bills this what I could afford.
Product: Debt collection

I do not have an account with or even know who XXXX XXXX is but they have a collection debt on my credit report. This is a violation.