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

Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns regarding Zelle 's approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which exposed significant shortcomings with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, neither my bank nor Zelle properly investigated my claims. I was told that recovering the lost funds was not possible and that tracking these transactions could not be done. The CFPB 's investigation has revealed that Zelle has failed to adequately protect consumers and allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and poses serious risks to consumer safety.
Product: Debt collection

XXXX XXXX company has repeatedly harassed me with calls. One day when I answered they said that I had to give payment information by the XXXX of the month. I said I was unemployed and looking for a job and I had interviews lined up and anticipated to be able to pay by the end of the month. Representative insisted that he could not wait until the end of the month and demanded payment information and said they would attempt on the XXXX and on the XXXX. On the XXXX I kept getting repeated calls and voicemails while at work so I called the representative during my work lunch break with the intention of setting up a payment resolution. Representative tried to frame that I committed fraud by providing a credit card that was not good and I explained that it was good, it just did not have funds. I asked to find a resolution and he did not comply. He told me to have my attorney contact him on Monday and hung up on me. Phone number is XXXX option XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears
Product: Vehicle loan or lease

RE : VOLVO CARS In XX/XX/XXXX, I received an offer from Volvo   Cars XXXX, CT to end the current XXXX XXXX  Volvo lease and " lease a new Volvo ... .and we will waive up to 6 remaining payments on your current lease. '' the offer was for 24 months new lease, didn't specify an amount to be paid at signing, and the offer expires on XX/XX/XXXX. 
I discussed the offer with Volvo Cars XXXX, but they didn't have a car to match the XXXX XXXX which I've leased from them. However, they gave me quotations for similar cars in case they can get one from other Volvo agencies based on 24 months new lease, and insisted on {$5200.00} at signing, because that was the sum I paid when I had the XXXX lease. However, and since my lease ends on XX/XX/XXXX we agreed to talk again after XX/XX/XXXX on he assumption that a matching car is available at Volvo Cars XXXX, CT. 
Eventually, on XX/XX/XXXX I returned the XXXX XXXX, and signed a new lease for 24 months at {$390.00} per month and paid {$5800.00} at signing., with the salesman referring to his Manager to give me answers and assurances that this is the best they can do for me based on the XXXX " not so clear '' offer. I was denied the request to extend the lease to 36 months, and to reduce the {$5800.00} payment. 
To my surprise, on XX/XX/XXXX I receive a " SPECIAL SAVINGS OFFER '' from Volvo Cars XXXX to lease a XXXX XXXX Car which matches exactly the same car that I got on XX/XX/XXXX, which matched the XXXX leased car. That offer expiring by XX/XX/XXXX has now specific terms " Lease XXXX XXXX XXXX XXXX  for 36 months {$3600.00} due at signing at {$370.00} per month ''! 
Immediately, on XX/XX/XXXX I sent letters and e-mail to : - Volvo   Car Financial Services, One Volvo XXXX, XXXX, NJ XXXX ( they have their name on the promotional offer ) - Volvo Cars Financial Services, XXXX XXXX. Ph : XXXX XXXX XXXX XXXX Re:XXXX Account Number. ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT  XXXX Ph : ( XXXX XXXX I complained that the new lease is a grossly unfair transaction, as Volvo XXXX took advantage of my loyalty to Volvo, did not advise me of the XXXX offer, denied me the 36 months lease, and grossly over estimated the amount paid at signing. 

I received a letter from Volvo-Alabama dated XX/XX/XXXX stating " we appreciate your patience while we research your concerns ... '', and by a letter dated XX/XX/XXXX they rejected my request. I received no responses from Volvo Cars XXXX or New Jersey. 

I appreciate your interference to address my copmlaint, since the actions by Volvo Cars involve false advertising, and unfair trade practices Thank you! 


XXXX I have documents to attach to my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAKE TAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation
Product: Checking or savings account

I trying make a transfer from Marcus Bank XXXX XXXX XXXX Bank XXXX XXXX account, but they arent making. I gave every confirmation about myself that they asked, but they are still holding my money. They said that need to be sure about my transaction, but anybody solve it. 
The bank account that Im trying make the transfer is mine, theres my name, my XXXX and they are still holding my money.
Product: Money transfer, virtual currency, or money service

identify you and your account. 


I am filing 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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, 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 have 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 have contacted both XXXX and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I AM INTERESTED IN PROCESSING DISPUTES ON MY CREDIT REPORT TO DELETE AN REOMVE ALL INACURATE INFORMATION THAT IS HINDERING MY CREDIT REPORT. THIS IS MY 2ND ATTEMPT TO DELETE AN REMOVE ALL LISTED ITEMS. CHECKING MY CREDIT REPORT IVE NOTICED ALL DATA LISTED IS REPORTING ILLEGAL INFORMATION AN FRAUDULENT INFORMATION THAT IS HIDNERING MY CREDIT REPORT. PLEASE REVIEW AN REMOVE THE LISTED ITEMS ASAP.
Product: Debt collection

Fair Collections & Outsourcing ( FCO ), located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is inaccurately reporting erroneous information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite being legally obligated under 15 U.S.C. 1681s-2 ( a ) to ensure the accuracy of data furnished to credit reporting agencies, FCO has failed to meet this standard. The disputed information pertains to an account ( [ Account Number ] ), which incorrectly reflects a balance of {$7000.00}, as evidenced by the attached documentation, including receipts and prior correspondence. This inaccuracy has caused undue harm by negatively impacting my credit score and financial standing. 

Moreover, this incident highlights FCO 's failure to honor its obligations as established in Consumer Financial Protection Bureau v. FCO ( Civil Action No. XXXX ), where FCO was found to have engaged in systemic inaccuracies in reporting. Despite assurances of improved compliance following the settlement, the persistence of such errors suggests an ongoing lack of due diligence. I have formally requested that FCO conduct a thorough investigation, correct or delete the inaccurate information, and provide written confirmation of their findings. If FCO fails to resolve this matter promptly, I intend to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, and may seek legal remedies under 15 U.S.C. 1681n and 1681o for noncompliance. 

I'm requesting that CFPB direct FCO to delete the erroneous debt from my credit reports.
Product: Student loan

Mohela put my loans in administrative forbearance after a federal court issued an injunction preventing the U.S. Department of Education from implementing parts of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and other XXXX plans. I did not elect to be in forbearance. Mohela issued communications that no action was needed and borrowers would be notified when further action was needed. Mohela led borrowers to believe that everything was okay. 

After repeated attempts to connect with a Mohela representative via phone ( with continuous long periods on-hold and no success requesting a callback despite this option on their menu was nonfunctional ), I contacted Federal Student Aid, which I believe is part of the Department of Education , to understand the situation and ensure that while in forced administrative forbearance my months of nonpayment would still count toward the 120 eligible payment requirement that comprises XXXX. I was told by a XXXX XXXX XXXX representative that these months of imposed administrative forbearance would not count toward forgiveness, which is not something that Mohela clearly communicated. I was advised to get in touch with Mohela and request they remove me from administrative forbearance. I tried once again to get in touch and was put on hold indefinitely, and tried to request a callback but this option on their menu continued to be nonfunctional. I proceeded to search for verification of the information provided to me by XXXX XXXX XXXX on Mohela 's website and could not find it. I sent Mohela a message through their portal, but when I tried to follow up on previous communication ( supspecting that I sent them a message before and never heard back ) their website crashed. 

I believe that Mohela is responsible for not clearly communicating potential repercussions of the forced administrative forbearance. After spending the past eight years of my life passing over other options and intentionally working full-time in public service and remaining compliant with loan repayment schedules, it appears that due to Mohela, a significant amount of potential monthly repayments may not be counted toward loan forgiveness. This is a major setback and I am deeply affected by it. I continue to be extremely confused by contradictory and unclear emails I am getting from Mohela and XXXX XXXX XXXX.
Product: Checking or savings account

There were a fraudulent transaction of {$4200.00} on my Chase account, I called the bank as soon as it happened in XXXX. I asked them to close my account and send me a card where I was located.They said they could not send me a new card at my new location thus unable to close the account. I only bank with Chase. My mother passed away so I have to leave as soon as possible.While I traveled another fraud occurred of {$2100.00} occurred. I immediately called them and told them to close my account. This time they did and sent me a new card. Ive been disputing with Chase for the past 5 months and my claims were denied every time. They cited that I passed the 60 days claim period, while each time I immediately called them. My last attempt to called Chase bank after submitting all the paperwork they have requested was today XX/XX/2021. They stated that my claim was denied because it now more than 60 days, and the second claim couldnt be validated as well, because the first card should have been closed to begin with.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information XXXXXXXX XXXX XXXX  collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on TransUnion XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX reporting inaccurate information that can not be verified. The credit bureaus ( TransUnion, XXXX, and XXXX ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I received a letter from Dovenmuehle Mortgage XXXX XXXX on XX/XX/XXXX. The letter was mailed on XX/XX/XXXX and stated that an unclaimed property amount of {$480.00} is due to me and must have contacted them at XXXX or fax at XXXX within XXXX business days from due date of XX/XX/XXXX. The letter stated within XXXX business days of contact a new check will be issued. I faxed and signed a letter claiming my check on XX/XX/XXXX, once I opened letter and realized they had my money since XX/XX/XXXX. I received a letter back from them on XX/XX/XXXX stating they would resolve this issue promptly. On XX/XX/XXXX I called and spoke with XXXX for updates and she stated that the check was not processed but with me calling that would get the check in a stage to be sent out. No check received. Called back again on XX/XX/XXXX with another rep, unknown name, stating check is still being held and to follow-up if not received in 30 days by law. No check received. On XX/XX/XXXX spoke with another rep and asked for XXXX. Spoke with XXXX, XXXX, Supv and she promised she would send yet another message to claims/unclaimed dept, stating that lawfully they have up to 90 business days for check to be mailed out. I informed her that is not what the letter said and she stated she would send another message to claims/unclaimed money dept for rush. She stated within that time I would hear back from her within 2 business days, no later than Friday XX/XX/XXXX. She never called back. I called on XX/XX/XXXX and spoke with rep that gave me to XXXX, Supv. I asked for her ID and she did not give it to me. I inquired about how the unclaimed check services work and she stated they have a certain number of days by law to send out check once everything is verified. She did not say how many days. She informed me that she will send another letter because nothing is showing in system that check has been released, and call back in 48 hours. I wanted to file a complaint. She told me to email to XXXX I went there and it brought me to a link that you have to register online for. I felt like I have gotten nothing but the run-around. I turned in my information within a timely manner and they claim to still have the check but it has not been released, The company sent me a confirmation letter that I still have along with original letter. I am asking for this to be reported because I do not recall getting an original letter from them after 3 years of them holding money that is owed to me. So now I am reaching out for help.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I received 2 letters from US Bank. One stated the same as my previous complaint. The second was a retaliatory letter claiming " fraud '' and the inability to raise my credit limit without proof of ID, social security, et cetera. 

This is clearly retaliatory actions as apparently a credit card can be opened without this information, but the moment a complaint is submitted there's a " threat of fraud '' The lack of professionalism and predatory card services is just overwhelmingly disgusting and this adversely affects my credit if I were to get another credit card, etc. It's unbelievable that a bank can get away with this.