23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The law requires companies to delete disputed unverified information from consumer reports This collection is false and has been effecting my credit for years ; ive never signed off on the original debt and I'm being stiff armed for a 'Pay to Delete ' when I shouldn't be paying anything.
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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I was a victim of identity fraud at the age of XXXX. I am now dealing with hardship over these incidents. I have filed proper documentation and provided this information on XX/XX/2021 to XXXX, XXXX, & Equifax. I received a response from all bureaus refusing to remove this fraudelt information even after providing them proof. This is truly upsetting that I have to suffer the cost of someone stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is XXXX, XXXX, and EXPERIAN. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted Well XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage XXXX XXXX Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by Wells Fargo that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted Wells Fargo customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Product: Mortgage

I have filed several complaints on US Bank over the past few years. I have several problems. But the foremost problem is onXX/XX/XXXX, our home was damaged by trees falling on our house. We have insurance through XXXX insurance and they have sent us most of the claim money in checks to have repairs done. Our roof damaged {$21000.00}. Besides ceiling, and flooring and walls. When the company came to dry out, clean up and remove debris, ( they even started on the wry day of the accident ). That is only one small chunk of damage. USBank sent forms for us to have contracter give their information and signatures plus sign a waiver that they will not sue or place lean on the house due to lack of payment. USBank also wants us to send the checks to them and after inspection they will release the money. We contacted USBank many, many times over the last 6 months, to tell them that there is not one single contractor that will take this on without 50 % down for supplies. Also, on XX/XX/XXXX I found the exact complaint from a family who has gone through the exact same ordeal and complained to XXXX over USBank not realeasing the money. The damage is horrific, an entire ceiling is missing and holes cut out in several other rooms. You can only imagine the hardship and stress it has caused on our family plus we have already had to repair heat/air unit for the upstairs due to debris in the intake valve from the damage. Not to mention it is our XXXX XXXX daughters room that is destroyed, besides the absorbent heat and air bills over the last 6 months! There is no way I am sending USBank the insurance checks and not having anyone commuting to do the repairs. The complaints just on XXXX is horrific. We have been trying to get a modification w/USBank for quite sometime now. The stress and damage this has caused our family is at the point of gross neglect on you not holding this BANK accountable for the abuse they keep inflicting on us unbearable. If USBank from the very beginning when we were just XXXX XXXX behind would have allowed us to talk with them and make arrangements this would NEVER had gone this far. The Bank would not speak to us over a plethora of attempts and one office not knowing what the other office is sending is actually past the point of conceivable. So, we were granted one modification and then the bank stopped it with no reason at all, over miscommunication from one office to the other. This scam is so obvious that even XXXX XXXX could see it. This scam of people wanting to keep their homes doing the endless demand requests are all for the bank to try to take homes away from hard working people. This bank has checked every single box for bank fraud imaginable, lost papers, no one returning phone calls, no one receiving faxes. Our original loan was sold to USBank without our consent or knowledge. Im pretty sure there is fraud involved with the passing from one establishment to the next all during the time of XX/XX/XXXX recession and no one was making these institutions be held accountable and just want to foreclose on homes, done fraudently. The stress, damage is intolerable.
Product: Credit card or prepaid card

XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX XXXX XXXX did not call as mentioned. No other XXXX  workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX
Product: Credit card

Amazon.com XXXX XXXX : XXXX I returned my order to Amazon via the XXXX XXXX label they provided to me. I dropped off the package at the XXXX store, and the XXXX driver listed my return package. During this time, I have been contacting Amazon every week about the issue that the package is missing, but they never took any action. I then reached out to XXXX. According to the XXXX agent, they have a contract with Amazon, and every time there is a listed package, Amazon is the one who should report it to XXXX and receive the reimbursement from UPS. 

According to XXXX, they have already issued a refund or reimbursement check to Amazon for the lost package. However, Amazon refused to issue my refund, so the product that they reimbursed is now lost. In the end, Amazon agreed to issue my refund, but due to a system issue, I am unable to get the money. Amazon has refused to help me since then. Fortunately, I have all the evidence, including emails and screenshots, to prove my case. 

The missing package is XXXX XXXX, amount in ORDER PLACED XX/XX/2023, Grand Total : {$2500.00}
Product: Checking or savings account

Barclays continues to automatically withdraw funds ( {$300.00} ) from my checking account even though I closed my deceased husband 's account and paid off the balance on XX/XX/2022. I have called the customer service line at least 5 times, and on XX/XX/2022, I got a letter acknowledging the closing of the account. They owe me {$880.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found unathorized/fraudlant accounts reporting on my credit report and nobody is helping me. Please removed these accounts.
Product: Credit reporting or other personal consumer reports

pull credit reports discovered a low score and large amount of inquiries and accounts that dont belong to me
Product: Payday loan, title loan, or personal loan

I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! 


I want this resolved and something done!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Syncrony Bank only has reps answering the phone that read a script. I called four times and submitted a message online, I was hung up on 4 times! I have an Ashley account that I started making by weekly payments that exceed the required payment, and began to make them before the first payment was even due. Hence, I am ahead on payment!!!!!! I have bank statements showing this being paid to them every two week, as well as, my acount on their website showing it was recieved. They have me as a past due and showing a {$9.00} payment past due with a {$30.00} late fee, I pay XXXX a month, more than is required! I have never been late I am paid in advance and always have been.They have charged me interest for months on payments that were not even due yet. How can you charge interest on something that isn't due? This company smacks of fraud, and are simple highway robbers! They have not one person quialifed to fix mistakes or even acknowledge that there is one. I am demanding they correct this and reiumburse me ASAP. I intend to file complaints with the FDIC and the OCC. I have atteched the papertrail of payments made to this bank ... ... or lack thereof
Product: Debt collection

PLEASE REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT IMMEDIATELY. TRANS WORLD IS IN VIOLATION OF AN ORDER TO CEASE AND DESIST. TRANS WORLD SYSTEMS INC. IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Vehicle loan or lease

When I bought this car it was priced at {$9900.00}. I had to apply for an auto loan with Ally Financial. At this time they added GAP coverage to the loan for an additional {$2300.00}. the car came out to {$12000.00}. I put down {$4000.00} cash. which should of brought my car to {$8000.00} as the actual financing price. 3 months into my loan i learned the real value of my car and decided to cancel GAP insurance. {$2000.00} was refunded back to my Ally financial loan. With this activity alone, my loan balance should be below {$5700.00}. I FINANCED MY CAR XX/XX/2018. I have made over {$4500.00} in payments. YET MY BALANCE on my car is over {$6000.00}. ALLY financial is keeping every payment and adding it towards " Interest ''. All these payments, cash down, refund of gap insurance should have my balance close to {$1200.00}!!! PLEASE HELP ME AND DEMAND THEY STOP THIS AT ONCE. For 3 years I have been making payments. But my balance keeps going up instead of down. PLEASE HELP ME!!!!! Than they repossessed my car and charged me {$1200.00} to get it back. {$800.00} toward 4 arrear payments ( DUE TO COVID-19 ) and {$400.00} in fees. Out of the {$800.00} payment only {$550.00} went to the the car and Ally kept {$280.00} for additional fees, Plusss the {$400.00} IN FEES this is {$700.00} in fees and only {$500.00} went towards my arrears. PLEASE STOP THEM! I have all the paper work on this car from the day I bought it. To show proof of the sale price and money down! plus gap insurance receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management XXXX XXXX XXXX XXXX XXXX, CA XXXX {$4200.00} In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cant furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent. 

In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created. 
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.
Product: Credit card

I moved from XXXX to XXXX XX/XX/2016. And I did not move in to the new house until XX/XX/XXXX because attorney had to straighten up titles of our new house. I was late paying Chase credit card for XXXX because I never received printed statement. I have expressed to have both On-Line-Statement and Printed statement before, but I have never said that I wanted On-Line-Statement only. I called Chase XX/XX/XXXX and paid my due and they removed {$37.00} late fee. 
I made sure that they had my new address and asked them to mail me printed statement. That was XX/XX/XXXX, so they had a time to send me a printed statement so that I do n't forget send my check to them on time. But I never received printed statement for the XXXX payment. So I was late for XXXX payment. Chase added {$37.00} late fee and they refused to take it off. I told them I was late because they did not send me the printed statement which I asked them XX/XX/XXXX. But they insist that they can not take {$37.00} off. Now they are saying that they sent me a statement but the mail must have been lost. I have difficult time to believe that.