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

I'm Writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I asked for validation in the form of the purchase agreement or title of the debt because I have been contacted by multiple collectors. The amount that is supposedly owed is {$790.00} and it is being reported by XXXX XXXX. They did not respond, yet they are still reporting on 2 credit reports without a dispute notification. According to 15 USC 1692g this company must stop all collection activities, including reporting, until validation and proof of ownership of debt is provided. 

I have the same issues with XXXX XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$220.00}. 

All 3 received request for validation on or before XX/XX/year> via certified mail. I have attached a picture of the letters I sent to each collection agency, as well as the return receipt from the postal service showing that they were received. 

I have since filed a dispute with the credit reporting agency to no avail.
Product: Mortgage

On XX/XX/2022 my husband and I applied to refinance our home mortgage located at XXXX XXXX, XXXX Mi XXXX with Amerisave. We paid {$500.00} to Start the process and lock the rate of 2.75. For the next three months we we told to submit and resubmit our paperwork over and over and over, at least 4 -5times. I expressed our concerns repeatedly that why are we being asked to keep submitting the same documents along with additional documents. We were told by our own officer, XXXX XXXX of AmeriSave, that this was standard and she had no idea why the loan documentation people are indicating they never received the multiple copies. She assured us the rate lock wouldn't expire. 

About four weeks ago, the officer stopped responding and then the emails were listed as undeliverable. I called 800 AmeriSave number and complained and was assigned a new loan offficer who tells us the rate lock expired and we will need to pay {$13000.00} to get the rate and terms we agreed to. Of course we will be unable to find this rate at another company as the rates have gone up. I think Amerisave simply delayed and delayed us in the hope we would be squeezed to come up with a ton of money to close knowing full well the interests rates jumped up. This cant be legal-They committed fraud.
Product: Mortgage

In XX/XX/XXXX I was furloughed. I had just started a loan modification in XXXX and had made both XXXX and XXXX payments in time. I was told I could resume my payment without the XXXX XXXX payments counting negatively towards my credit as long as I could afford to resume payments. XX/XX/XXXX I finally was able to go back to work. But shellpoint told me I had to pay the entire amount of XXXX XXXX XX/XX/XXXX XXXX the entire amount of the previous XXXX modification in order to keep my home from forclsuree. They refuse to let me resume payments even though I make XXXX XXXXXXXX a year and then reported to the credit bureaus so now I cant even get a personal loan. I dont know what to do because I can afford my home and I dont understand why they didnt inform me of having to have to pay the entire amount in full. I spoke with them several times throughout the pandemic and never once was anything like that mentioned .please help as now I I think its going to be in foreclosure and Ill have to find a new home but now my credit is tarnished even more. I want to keep living in my hone as Ive been here for almost XXXX years. Thank you
Product: Credit card or prepaid card

I purchased two items at XXXX. 1st one was under 12 month promo no interest in XXXX, the second was not on promo in XXXX. 
I purchased the second item in XXXX and made a full payment to pay it off. The first statement in XXXX showed that I paid off second item. I then see on the next statement i XXXX that they applied my payment to be split between no interest promo item and the second item I purchased and now I am incurring interest charges. I reached out to customer service via email and they explained a process in which they split payments even on promos and it was very confusing and didn't make sense to me as I understand that payments are to be allocated to the account that has highest interest first. I asked them to correct the error and they sent the same guidelines with no resolution to the problem. I sent another email requiring them to reallocate the payment and they declined. 
Please see attached emails and statements showing the balances and payments.
Product: Checking or savings account

Cash app is experiencing a technical issue. The issue has prevented me from unlinking my personal bank card from cash app. The app has also blocked me from skipping the option to add an additional bank account card. I can not navigate into my cash app account unless I provide an additional personal bank card for linking purposes which this issue has never happened. I selected the option for cash app to never use my location. Cash app disregarded my request to never use my location and instead provided me with my location. I strongly believe a security breach took place and consumers personal information may have been compromised. Cash app recently experienced a breach that allowed every and anyone to use their cash app account without funds being available. I have reached out to cash app regarding this issue and was informed someone would get back I touch with me later.
Product: Debt collection

Harassing phone calls and threating to have me arrested National credit systems, debt collectors.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested TRANSUNION to block and remove these unauthorized accounts from my credit report. The fraudulent account includes : XXXX Account Number : XXXX Despite my request and my legal right to have this account removed, TRANSUNION has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts.

I have provided all necessary supporting documents, yet TRANSUNION has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED ONLINE INFORMATION SER ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1300.00} Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX BALANCED {$1100.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, Transunion, and XXXX credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX  XXXX ( Balance of {$7900.00} ), XXXX  XXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached 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. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

There wasnt agent available to help with disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, XXXX XXXX and Transunion XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Product: Payday loan, title loan, or personal loan

2 different accounts XX/XX/2022 XXXX XXXX XXXX I recieved 2 letters such as Wells Fargo XXXX XXXX XXXXXXXX also
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XXXX I received a letter from XXXX XXXX XXXX ACCT # XXXX on behalf of Usi Solutions Inc ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1. THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to collect from the wrong person.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by XXXX. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.
Product: Credit card or prepaid card

XXXX XXXX XXXX closed my account without explanation accusing me of fraud. I have reached out to the company directly multiple times requesting verification of the validity of the debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I am exercising my rights under this provision. 

Equifax, being a consumer reporting agency, is subject to these obligations. I, as the consumer, have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which states, 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' I have formally requested to opt out of any and all authority granted under 15 U.S. Code 6802 ( a ) ( b ) ( c ), whether conveyed through written, unwritten, verbal, or nonverbal means. This request is effective immediately and is intended to be in effect indefinitely. " Under Title 15 USC 1681, Section 604 ( a ) ( 2 ) defines a financial institution. In this section, it is explicitly stated that, 'In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' It is crucial to note that both the financial institution and the consumer reporting agencies, namely Equifax, do not have my consent to furnish this information. Moreover, they certainly do not possess my written consent as required by the aforementioned provision. 

Furthermore, according to 15 U.S. Code 1681e, 'Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It is evident that Equifax is not upholding reasonable procedures as required by this provision.
Product: Student loan

I am attempting to refinance my home and the mortgage company requested a pay-off form to be emailed to me. I called because of course this function is n't available online. When I finally spoke with a person after being hung up on by the " automated assistant '' they said it would be emailed out to me right away. I still have not received this form and it has been more then  XXXX . I tried calling back and they put me on an infinite hold after I state my name and they see I have called before. I have since lost my home loan rate and will not be able to refinance because of the inability to obtain a  ONE PA GE FORM stating the remaining balance of the loan if I paid it off to be given to the underwriter. I have worked in customer service and have never received as poor of service as I have in the past  XXXX , and not only that they COST ME MY REFINANCE. I have spent months trying to get approved and hundreds of dollars on an appraisal and thanks to  Navient I  am unable.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX 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

I have recently reached out to XXXX XXXX. Regarding the fraudulent account in my name, I recently asked them to provide me signatures. On XX/XX/2023 I havent received anything back. But a number to call XXXX XXXX in which I did and I was told they would send me documents of my signatures that I signed to open the account. And so far I have yet to receive anything. Its XX/XX/2023
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . INCLUDED IN THIS CFPB COMPLAINT IS : A LETTER OF DELETION FROM XXXX XXXX, 1099 -C FROM XXXX XXXX, FTC REPORT, LETTER OF INTENT TO SUE, DOCUMENTATION OF VIOLATION OF CODE 15 U.S.C. 1681, CONSUMER IDENTIFICATION AND SOCIAL SECURITY CARD. TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE REMOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER 1 YEAR AGO. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.