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

I am writing to express my frustration with Zelle handling of disputes, particularly in the light of the most recent CFPB lawsuit. I have used Zelle many many of times and reported whenever there was a discrepancy, Zelle has failed to review my claims efficiently. I was informed that recovering lost funds or tracking of reoccurring payments were impossible to fix. I feel as thought they failed to protect me as a consumer.
Product: Credit card or prepaid card

My car was vandalized & my purse was stolen on XX/XX/XXXX, I immediately contacted XXXX XXXX ( Netspend  ) & informed them that my card had been used at XXXX while I was at the park walking my dogs. They canceled my card. 
I have been on the phone with them for a combined total of over 4 hours trying to get the stolen funds returned to no avail. 
these are the amounts : Debit : Overdraft Fee assessed due to {$210.00} transaction on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX {$4.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX - {$210.00} XX/XX/XXXX I believe it says the XXXX because those were the dates the charges posted not when the charges were made.
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and discovered a number of billing inaccuracies, including late payments that don't match my typical payment history. Please address these errors and update my account accordingly. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX ACCOUNT XXXX : XXXX XXXX ACCT # XXXX ACCOUNT XXXX : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a XXXX role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Student loan

Last yr I contacted MohelA loans, anfter doing anll of my pslf certifications providing documents and turning it anll in. In XX/XX/XXXX they told me my accts were in fact forgiven on the save plaNAND I would receive a letter for it. 
Time has gone by one month and nothing so I followed back. Then they said no they were not and we never sent everything. Now remind you I have been XXXX the same employer for XXXX yrs and recertify every yr. Ive done everything and was told my facts were at XXXX but then once consolidated they said it was XXXX. I have not been able to speak XXXX anyone in a long time and when I call its on XXXX XXXX hrs or longer XXXX no answer. I again decertified and now Im told my employment isnt certifiable. Still in the same job, still getting the run around from the and nothing is being accomplished with my acts. Its absolutely frustrating and draining when you have followed every step to obtain forgiveness. 
They have lost my pslf numerous times and I have resent everything XXXX the dates and still nothing. 
Now Im still waiting and they arent helping even through corresponding through messages. I just need help. My counts should be XXXX not XXXX. I need someone to look into this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX  : XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account World finance Corporation is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Product: Credit card or prepaid card

I recently went a few weeks ago to apply for a secured credit card for the first time at my local BBT Bank with my twin brother. A week later when we received our decision we found out that they accepted his application but denied mines. I then called my local BBT Bank and they said that when the application was sent off the company had combined us together and then they said I had to contact you all to fix this because you all think my brother and I are the same person.
Product: Vehicle loan or lease

I call it my bank because I wanted to discharge the debt but then they told me I couldn't discharge the debt on top of that I noticed that my interest rate went up 10 points. The interest rate went to 6.35 % to 16.35 %. They told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myselfThey told me the reason why my interest rate window is because they couldn't find my title which eye by hand did everything for them and the whole banking and refinancing process because they were entirely too incompetent to do it on their own so I walked in through the step-by-step process on how to refinance a vehicle and I took the check to the other bank myself. And now they're punishing me by overcharging me with interest and then they charge me twice a month for payments. I tried to discharge the debt and they disagree with me and said no I can not discharge my debt and pay it off. I feel I have been treated very badly and disgustingly by this federal institution and I need help with my situation.
Product: Money transfers

A Western Union money transfer was blocked to recepient. Dollar amount of XXXX has not been credited to senders account.
Product: Credit card or prepaid card

I opened this account app XX/XX/2020. I used the card for a two purchases and never got a statement in the mail. I know I owe the money for the purchases that is not my dispute. ( I have sent in the money to make the account current ).

My issue is two fold 1 ) I was charged numerous late charges 2 ) My XXXX credit score was majorly lowered by 90 points according to XXXX XXXX 

I tried to explain this to their collections representative but was told in no uncertain terms there was nothing they could or would do on my behalf. 

Thank you in advance for your attention to my problem.
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I have tried to call your customer service, but after waited for 45 mins listening to music, I was told this is how BOA does things. So I have no choice but come to CFPB. <P/>I withdrew all my remaining money from BofA Core Checking account ( account # XXXX ) and closed it. The balance was shown as XXXX. When I closed this checking account with an agent on the phone, he told me it 's all set and my account is closed. <P/>Then I kept receiving paper statement from BOA every month, as if I still have this account open ( refer to attachment ). Balance shown on the statement is XXXX every month, of course. <P/>This is the same experience when I tried to close a BOA credit card which has XXXX balance as well. It took me 2 years to finally get off those statements and email communications BOA kept sending me as if this credit card was still open. This type of practice is confusing and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer to rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 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: Credit reporting or other personal consumer reports

Violation of Verification Obligations : I submitted a dispute letter to Experian requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize theI am filing this complaint against Experian for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, XXXX detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible pm. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, Experian is legally required to provide verification, yet they failed to do so. 

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. XXXX inaction following my dispute constitutes non-compliance with this requirement.

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. Experian is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 
List of Disputed Hard Inquiries : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX continues to report these false allegations incorrect information to my consumers credit report. 

XXXX and XXXX has already deleted and removed these incorrect items. 

I feel your company can be some assistance in this matter. Thanks for your help.
Product: Debt collection

The Bank of the West wrote off a debt and is still collecting money from me while reporting inaccurately on my credit report. There phone number on my credit report is inaccurate which caused me not to be able to contact them with any kind of convenience and now they're clearly breaking the law by not having correct and current information as well as correct contact information for them. I have been turned down for credit because of this and need this fixed as soon as possible.
Product: Debt collection

1 ) Received Debt Collection letter by 2nd party debt collection.

2 ) Debt has already been paid in 2019 through Sign In America.

3 ) Notice was sent to ARS National Services Inc.
Product: Vehicle loan or lease

The company sent a copy of the loan agreement. I explained that this car was not purchased by me. I sent an Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit card

I was approved for a Bank of America credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Bank of America. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Bank of America about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Bank of America concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly.
Product: Credit card

Did not shop at American Eagles and I just got back from XXXX!
Product: Checking or savings account

I opened a CD account in XXXX with XXXX for {$1500.00}. XXXX was bought out by Wells Fargo and my account was transferred to them. I forgot about this CD until I found my old paperwork last year. I went to close the account and withdraw the initial investment plus interest, but they said that there were XXXX withdrawals made in XXXX and XX/XX/XXXX. I do not have anyone in my account and I have proof of my whereabouts during those days, but they can not provide when, where, or even a signature page of who made a withdrawal totalling in about $ XXXX. My current balance is less than my initial investment. And the account should have been on hold for many years because of inactivity. I have been calling and meeting with corporate and the branch XXXX, but no one can help me.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have kept Equifax current with my personal information, including name changes and address updates. I recently wanted to unfreeze my account, but was denied access through the website, automated telephone system, and with the representatives. After the 4th person, I was informed that there is a name and address discrepancy. However, it was confirmed that the address and name I reported matched my online profile and what my creditors are reporting. The representatives at Equifax will not unlock my online account or help me via phone. I would like to temporarily lift the freeze so I can refinance.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelle 's handling of dispute. Particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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: Credit reporting or other personal consumer reports

I Would Like to dispute 5 inquires on my credit reports as i have received no services from these companies. ( 15 usc 1681 b ) 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
Product: Debt collection

Southwest Recovery have " FALSELY '' placed 6 plus Collection Accounts on my PERSONAL Credit Report. Southwest Recovery represents a Credit Card Processing Company for Businesses - ( 1 ) I NEVER accepted NOR did I sign any documents accepting any personal responsibility for the Company they have paperwork for [ they have provided me a copy of the paperwork ]. ( 2 ) I NEVER accepted NOR did I sign any document for service other than a " Seasonal Service '' for that 1 Month! [ they have provided me a copy of the paperwork ]. They are claiming I signed a 3-year credit card processing service with them. NO, I Never Did! ( 3 ) ALL Credit Card Machine Terminals were returned! They are stating that they did not receive some of the terminals and charging us for these terminals! That is outrageous. We have no use for these terminals. We didn't process credit cards with them, so why would we keep the terminals ; makes no sense. 
THIS COMPANY NEEDS TO REMOVE THESE OUTRAGEOUS LIES AGAINST MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

A service called Payment processing center claims that I took out a payday loan in 2015, which I did not. They say I never payed it back and keep calling me and leaving threatening messages. Their number is XXXX