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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 card or prepaid card

The due date for my account was XX/XX/2021 at XXXX ET. When I attempted to pay my bill on XX/XX/2021, the balance due was {$40.00} higher than the statement balance. I assumed this was most likely due to a late fee being assessed on the account as the statement indicates is possible if payment is not made by the due date and I've not made any additional purchases with the card since the statement date. When I attempted to view the recent transactions to confirm by suspicions, there were none. So I chatted with a representative on the web site and I was told if there was any activity on the account recently ( aka memo posted transactions ) that it was not visible to them for 24-48 hours. I then attempted a phone call and was told the same thing with the additional details that the balance updates every 15-20 minutes or so but the transaction details only update every 24-48 hours. As a consumer, this seems deceptive to me that a credit company could assess fees on customers ' accounts and the customer be unable to get details about these fees. If the system in use can reflect memo posted transactions in the amount due, it should also be be able to reflect the same in the transaction history and that information be available to the customer or employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.
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. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX  XXXX ACCT # XXXX. XXXX  XXXX XXXX XXXX ACCOUNT # XXXX. XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish 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

Apple Card GS Bank had opened an account under my name I reported/disputed it to XXXX, XXXX XX/XX/year> I received Report # XXXX that the information was verified as accurate. 
I was a victim of data breach at XXXX. They gave us access to XXXX XXXX XXXX. I received an alert from XXXX in regards to the APPLE CARD GS BANK credit card. I then started the process to report the card as a fraudulent dispute with APPLE CARD GS BANK, the XXXX credit bureaus and XXXX. 

Now I need a report from your agency to continue the investigation as fraud.
Product: Mortgage

My mortgage service provider is CMG Mortgage. I have attempted to modify my loan due to a substantial decrease in my income since the start of the original mortgage. The process has taken over three months. Before and during the process, I had to empty out my children 's NY 529 plans just to keep up with mortgage payments ( over XXXX XXXX worth of funds ). The process with this lender is atrocious. I wasted numerous hours of providing documentation, multiple calls per week during the process in which the representatives either provided inaccurate information. They don't even allow you to speak to the underwriters to make the process more efficient. They would sit on your application for 30 days causing your paystubs and bank statements to become stale. The decision makers would reject the application when they could have picked up the phone to obtain a simple answer. The decision makers weren't even knowledgable enough to know the answers to simple follow-up items. For example, they saw deposits from a 529 plan and asked if this was an independent business arrangement. I would expect these decision makers to know the answers to these questions. Another example, they asked for two months of bank statements for a new bank account. It was a new account, and they could have seen from the statement that it was the first month of operations as the starting balance was XXXX. Finally, they stated that they sent me a " second letter '' in which they never did. They usually publish documents to my online portal. No letter for follow-up was ever sent. They now dismissed my application for being incomplete when I called multiple times to ask what else they needed. The reps you speak to are just messengers and they don't even speak to the underwriters or decision makers. All of this could have been completed in 30 days and if you were able to speak to someone regarding the application and any questions they had on the documentation. They also stated they never received such documentation whenever I either emailed or faxed in the documentation.
Product: Credit reporting or other personal consumer reports

I am reporting fraudulent account on my credit report please delete this fraudulent account from my report XXXXXXXX XXXX  open date XX/XX/year> credit limit XXXX
Product: Debt collection

Access ID # XXXX Access Recievables Management po box XXXX XXXX, MD XXXX This company reached out to me about a proported tax debt from XXXX and XXXX in XXXX. I responded to them within the 30 day window with a letter informing them that I disputed their records, plus they were outside of the legal collections window in Virginia. They called my offce in XXXX, and I responded with a letter on the XXXX to stop and desist phone calls to my place of employment. I again asked for more information, and advised them of the debt window that was closed by VA state law. I asked for information within 30 days, or they needed to stop and desist all collection attemps. They again called my place of employment this morning. Our phone numbers are XXXX & XXXX. I can supply copies of both letters that I have sent them.
Product: Checking or savings account

Got an alert that a bank account was opened in my name at Bank of America today XXXX!!! Did not open an account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SS # XXXX XX/XX/XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they are affecting my ability to obtain credit. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX
Product: Debt collection

On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company. 

On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.
Product: Checking or savings account

A check was written by Attorney XXXX XXXX XXXX, dated XX/XX/XXXX  made payable to XXXX XXXX in the amount of {$6500.00}. The check was deposited into my Chase bank account. The check was cleared by the bank in which it was written from, and the funds was released to Chase bank. However, Chase bank kept the funds and closed my checking account. It should be noted that I physically went into Chase bank along with XXXX XXXX ( my step-father ) and we both presented the proper forms of identification required to verify our identities. Chase bank called XXXX XXXX to verify that the check was written to him from Attorney Stauss. I then spoke with Chase bank fraud department and provided two phone numbers for the attorneys that were involved in the settlement of the case from which the check was written from, because they were unable to verify through a third party that the attorney 's business phone number was legitimate. Chase bank fraud department requested that I contact the attorney 's office and ask them to resend the check that they written from their bank and reissue a second check. On XXXX XXXX XXXX XXXX contact the attorneys by email and made the request according to Chase bank fraud department. However, the attorney responded by email stating that I XXXX XXXX had stolen the money in question, because the checked has cleared and they had no intention of writing a second check in the amount of {$6500.00} to be defrauded out of. Also, Chase bank fraud department informed me that the attorney 's office either failed or refused to communicate with them concerning the check in question, even though XXXX XXXX  XXXX  never raised any red flags and released the funds to Chase bank. My checking account was wrongfully closed and the {$6500.00} was never released to me and was kept by Chase bank. Since there is no proof of fraud, why was my 8 year bank account with them closed and where is the funds that was released to Chase bank by XXXX XXXX  XXXX?
Product: Debt collection

To whom it may concerns, After viewing a copy of my credit report and after receiving many unwanted calls and attempts on XX/XX/XXXX, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it ; is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Product: Credit card

I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my XXXX card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XXXX, XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me and I want it TODAY or I will sue capital one.
Product: Debt collection

the debt collector LVNV FUNDING I never did business with this company and never gave written consent to share my information with anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documentation to Equifax, XXXX, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX  XXXX student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN XXXX
Product: Credit card

A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$4100.00} XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$410.00} XX/XX/2024 ) XXXX XXXX XXXX  : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX : Account number XXXX ( Account Closed as of XX/XX/2024 ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Student loan

XXXX now Navient has re-aged my Student Loan history again and again with multiple listings of the SAME accounts the various bureaus. I attended XXXX and then XXXX for my XXXX. The date of original delinquency for ALL loans is XX/XX/2009. They are ALL rehabilitated and with XXXX now which is correctly reporting. Navient did not mark the closed accounts disputed with any of the various XXXX. I have disputed the accounts with each XXXX stating that the original date of delinquency is XX/XX/2009 and duplicate accounts showing a later date of delinquency represent a reaging which is illegal under the FCRA. I just want the negative information to be deleted based on the original date of XXXX.
Product: Credit card

I was XXXX XXXX XXXX XXXX XXXX My husband took care of our finances. He got a cc from Citi Bank and they gave him a XXXX credit limit. There was a second card in my name. I earned the money that paid for the cc. He now has XXXX and I opened another Citi card in my name only and cancelled his card. They gave me a credit limit of XXXX. I asked for the same credit limit my husband had and they declined. We are the same family and the same income. The only difference is that this cc is in my name. I know that this is sexist. I want the same credit limit that we had for years.