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 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 the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has 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 am asking for your help in regards to these accounts, I want your help as these accounts is being reported differently across XXXX bureaus and I need your help to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, TransUnion sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information TransUnion investigated is accurate, I the consumer in fact demand that TransUnion provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I'm checking my credit report on Experian, and it seems like there's a hard inquiry that I don't recognize. 

XXXX - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX, XXXX, Equifax is refusing to update my credit file. I was married in 2017 and have a different last name. I emailed the license to Equifax, but it continues to report to creditors that I have had no movement on my credit file since 2017 which is resulting in no population of a credit score. My credit history must be updated. I have provided my income, new name, and job. I am being denied credit because Equifax is refusing to merge my name, remove old information and report new information.
Product: Money transfer, virtual currency, or money service

I am trying to rollover my 401k from Wells Fargo to my new employer 's 401k. 
I have provided every piece of paperwork that was requested to complete the transaction, including a copy of my driver license and answering multiple security questions. 
They have told me they can not read my license when the exact copy I have is clearly legible. They are purposely delaying my rollover.
Product: Vehicle loan or lease

I was charged a considerable finance charge by the dealership and Flagship Credit Acceptance and was not informed. I never would have made this deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on all three bureaus but only XXXX  is showing it as {$0.00} balance. Equifax has shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.
Product: Credit card

I have a credit card with online bill pay through Fidelity. About a month ago, I set up an electronic funds transfer ( EFT ) connecting my XXXX XXXX checking account with my Fidelity account so that I would be able to take funds from XXXX XXXX to pay my Fidelity credit card bill. When I tried to pay my credit card bill balance on XX/XX/XXXX, I received an email from XXXX, the company that processes payments made through Fidelity 's online bill pay, I was told that there were insufficient funds in the XXXX XXXX account ; however, my account had nearly {$9000.00} and the bill was for {$860.00}. There have been no record that Fidelity or XXXX ever tried to withdraw any money out of my XXXX XXXX account. Meanwhile, XXXX continues to send me threatening messages that I owe them money. I spoke with representatives from Fidelity, XXXX and XXXX XXXX simultaneously on the phone and they all blamed each other. On XX/XX/XXXX, I spoke with XXXX with XXXX XXXX who said he 'd call me back in 24 hours. He did not. On XX/XX/XXXX, I spoke with XXXX, who said that a manager would call me back within XXXX hours but was unwilling to resolve my problem. Fidelity has been nothing but unprofessional and unscrupulous throughout the entirety of this transaction.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( PROGRESSIVE, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Product: Debt collection

Cedars Business Services , LLC XXXX XXXX XXXX XXXX owed : {$900.00} or {$1200.00}? Not sure what the amount is. It keeps changing. 
Five years for the bill has passed, and XXXX XXXX sold this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

XX/XX/2022, I requested the following information : Validation of Debt and a signed HIPAA form ( Health Insurance Portability and Accountability Act ). They did not provide a signed HIPAA release form, giving their company permission to not only receive, but to disseminate my information. In doing so, they are in violation of my rights under the HIPAA Law. 

I do not know why Im being charged. 
I have the right to written confirmation of the specific debt as well as the right to dispute it under the federal Fair Debt Collection Practices Act. I have a right to receive that information and request it in writing and review all the charges. 

Cedars Business Services , LLC did not : - Provide a breakdown of fees including all collection costs and medical charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services. 
-I requested an original invoice and receipt with my signature- They did not provide a copy of my signature with the provider of service to release my medical information. 
-Five years for the bill has passed, and XXXX XXXX XXXX this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

I am demanding a cease on the collection of the following amount owed. 
1. {$900.00} or {$1200.00} for an unknown service
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report.

I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and 605 ( b ), when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 




To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
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 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 finding indicates that Zelle has not only neglected to protect consumers but has 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: Debt collection

The dispute is a American Express credit card payment Account Number Ending : XXXX back in XX/XX/2017. Originally the account number ended XXXX. 1 mistake i made is looking at the bill pay, it shows only XXXX as the full account number. I don't know if it is short for security or if i actually made a mistake and did not type the full number when i made the payment. 
As i said before, I sent a payment to AMEX but they did not apply the {$3000.00} payment to my account. I have been calling but can not find anyone who is willing to find why my payment was not applied. 
I have attached my Proof of Payment from XXXX, and all of my statements showing the electronic payment was completed and never kicked back so AMEX has the money somewhere but will not apply it to my account.
Product: Credit card or prepaid card

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( XXXX and Wells Fargo ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. We have tried repeatedly to contact Wells Fargo by phone and by mail in particular, but they keep sending card statements and asking for payments when the police officer has told us repeatedly that Wells Fargo has never even approached him.

We have the credit card information, police report number, police report, and the Officer 's Contact Info and we can provide all of this information upon request. We've provided all of this to the companies that are mentioned. 

I haven't attached these documents for privacy concerns.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX, XXXX statement there was a mathematical error in computing a 'new total balance. ' From the amount of 'previous total balance ' of {$64000.00} there was deducted a payment made in previous month of {$1400.00}, added a ne charge of accumulated interest of {$240.00} which should have produced a 'new total balance of {$63000.00}. Instead a 'new total balance ' was provided as XXXX of a fraudulent increase of {$400.00} for no apparent reason. On XXXX, XXXX the amount of unexplained difference increased to {$400.00}. On XX/XX/XXXX I and my husband visited the local branch of Citizens bank and asked to correct the computational mistake. Instead we were told that the increase is a penalty if we prepay the loan before 3 years. This is a XXXX because in computations there is a line for " fees ' where that amount should have been mentioned if the computational equation should have ended in the 'new total balance ' of {$64000.00}. Moreover, why that amount has never been reflected in the computations since XXXX when the loan was initiated? Why that unexplained " charge '' appeared suddenly on XX/XX/XXXX statement?
Product: Money transfer, virtual currency, or money service

I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.
Product: Debt collection

This company has contacted me regarding an alleged debt. I have no contract with this debt collector. this company obtain my personal information without my explicit written permission to contact me.
Product: Mortgage

Spoke to XXXXXXXX XXXX XXXX in Account Resolution Dept transferred to the foreclosure dept spoke to XXXX XXXX XXXX stated the foreclosure sale date is still set for XXXX 
She advised there was no application for mortgage assistance. Again I'm being misled asked to be transferred to the XXXX XXXX to XXXX he advised my application is now being reviewed by the underwriters. He advised me to call back I asked about postponing the foreclosure sale date while it's in review, because CFPB rules says if a mortgage assistance application is in review all foreclosure action is to be put on hold and because sale date is not canceled this is a violation. He advised Wells Fargo foreclosure dept will not postpone foreclosure sale date. The review is nearing the complete stage for mortgage assistance. I have not received foreclosure letter from Wells Fargo or the foreclosure attorney with the foreclosure sale date. Why was I not notified of the sale date for my home. I am not being treated fairly by my mortgage servicer I don't want to lose my house to foreclosure.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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
Product: Vehicle loan or lease

Upon termination of a 39 month lease with XXXX XXXX XXXX, the 3rd party inspection company XXXX  cited excessive wear and tear of all 4 tires on the vehicle. The vehicle had been serviced exclusively by the authorized dealer to inspect, oil change and rotate tires. All completed on schedule/mileage as agreed. The vehicle was returned to the dealer with XXXX miles traveled, well below the allotted amount of the contract. We were not given access to the inspection report until a month and half later when we received a final bill for replacement of all 4 tires equaling {$1000.00}. 
We spoke with both the customer service representative and her supervisor XXXX XXXX to seek an explanation of the charges and to dispute the validity of the charges. We were provided the final report via email with photos of tires that showed wear but did not prove they were the tires of the vehicle we returned. In addition, attempts were made to schedule an inspection with the 3rd party  company XXXX prior to returning the vehicle. An inspection was scheduled but they arrived a day early when we were not home and they could not schedule anything prior to our return of the vehicle. We were at the mercy of the dealership, 3rd Party and XXXX XXXX once the vehicle was returned. The condition of the tires were not as stated in the report. Even in the case were the tires were in a state of heavy wear as stated, we were robbed of the opportunity to find reasonable replacement at another repair facility who would charge a fair and reasonable price. We were subjected to the highest price possible without any care by the dealership & finance arm of XXXX. We feel abused by this experience.
Product: Debt collection

This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. 

This complaint is regarding the following : Most recent incorrect submission of a major derogatory notice to the credit bureau while the loan is in forbearance Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their XXXX XXXX XXXX are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. On the XXXX calls I have had with them, I have had to repeat the complete story from the beginning. Every XXXX says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within XXXX to XXXX hours, and nothing gets resolved. 

My last call to FirstBank Mortgage was on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX who again said I will personally call you within XXXX to XXXX hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. I am still waiting on a call back as of XX/XX/XXXX. 

FirstBank Mortgages reckless credit reporting practices while my loan is in forbearance have downstream implications with my other creditors who, upon seeing major derogatory notes on my credit, have lowered the credit limits on my credit cards, severely limiting my ability to use credit while I recover from my personal financial situation. Their after-the-fact credit bureau corrections and apology letters XXXX inconsequential and of no use in negotiating with my other creditors since their actions are taken when they see these major derogatory notes submitted to the credit bureau.
Product: Credit reporting or other personal consumer reports

Debt Collectors must notify me within 5 days of receiving the account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and continues to be used from time to time. My credit score was XXXX in XX/XX/XXXX and had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXXhave had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 I got two emails stating that I had " successfully added a wire transfer recipient AND that I had recently submitted a wire transfer for {$3500.00} '' and that if I did not submit this transfer, to call Wells Fargo at XXXX, which I did IMMEDIATELY! 
I have NEVER authorized a wire transfer from my account and I do not know the recipient!!! I immediately filed a fraud complaint, closed my account, cancelled my debit card and opened new account. i was told that I would have a resolution in 5-10 business days. XXXX weeks later I was told that there was nothing they could do and that my claim was closed.