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

I am 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 the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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 card or prepaid card

I am victim of identity theft. Someone tried applying for a credit card in my name. I have reported these actions to the police department and also to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company called Portfolio Recovery claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX XXXX I have no idea what they are talking about as this was fraud and never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from the bureau stating that you complied with the CONSUMER NOTICE OF IDENTITY THEFT received by you on XX/XX/. Since XX/XX/, you have reinserted the accounts listed in this METHOD OF VERIFICATION REQUEST letter ; therefore, I demand a description of the procedure you used to determine the accuracy and completeness of these accounts.
Product: Debt collection

Received a phone call from XXXX XXXX XXXX they said that I owed Wachovia Bank {$2900.00}. I asked how is that possible when I had an account with XXXX XXXX XXXX  the young lady said Well if you dont pay this we will garnish your bank account take your car and your property if we have too I asked if she could send me something in writing she informed me after being rude and burped in my ear Well that will be after the judgement has been set against you I want to know if this is a legitimate company of lawyers or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding the inaccurate information reported on my credit report by TransUnion. On XX/XX/XXXX, I contacted TransUnion to address the following issue, but I have not received a response to date. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). The details of the inaccuracy and the required correction are as follows : Account : XXXX   ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ) The information presented for the account XXXX   is inaccurate. I am aware that the original creditor for this account is a distinct company, not the one indicated by TransUnion. Furthermore, the reported balance of {$90.00} is higher than the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency associated with it.
Product: Mortgage

I live in XXXX XXXX, NC and recently suffered significant damage to our home from Hurricane Florence. We are working on a claim with our insurance company and just received our first check for restoration. In that we have a mortgage, the insurance company check is made payable to my wife and I along with the mortgage company. I have contacted the mortgage servicing company 's " loss draft department '', and have tried all week to talk with a person about my situation and circumstances. Despite repeated requests, I can not get a return phone call from a supervisor. I want sent instructions and forms, but they do not apply to my situation. The procedure described in the forms are for individuals who are trying to get the insurance check cashed to pay for the restoration. I'm different, in that I've already had work done and paid for the work out of pocket, and I'm presently out of pocket approximately $ 50K. I need to be repaid personally. I can not establish contact with the mortgage servicing company and I have not been provided any forms which address my situation and circumstances whereby I have already paid for the restoration work.
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. Account name : XXXX XXXX Account # XXXX Account name : XXXX account number XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number 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. furthermore XXXX XXXX  Account number XXXX is violating15.u.s.c 1692g. and account name : XXXX  account number XXXX is reporting as charged off has a balance and has conflicting dates of last activity. which is XXXX more violations of the FCRA. If Experian continues to violate my rights i will be forced to take them to court and ask for a judgement of {$1000.00} for each violation
Product: Credit card or prepaid card

To Whom It May Concern, I always pay my credit cards in full so I'm not that familiar with how interest on them works but I can't imagine the below can be correct/legal otherwise how would anyone not being able to make full payment ever get out from under the debt? On my XX/XX/2018 Bank of America ( BoA ) credit card statement the full amount due was {$860.00} and I accidentally paid {$860.00} which is exactly {$6.00} shy of the full payment ( payment was made on time ). This was a typo error on my part, no question. This {$6.00} under payment somehow turned into {$12.00} in interest charges on XX/XX/2018 statement. When I called the company Customer Support line ( on/around XX/XX/XXXX ) to ask how accidentally not paying {$6.00} of the full amount due could turn into {$12.00} in interest the person could not explain this to me ( this is over 200 % of my accidental non-payment ). Frustrated with the person 's lack of ability to explain this made me cancel the card effective that day ( on/ard XX/XX/XXXX ). I made immediate payment of the full balance ( {$2900.00} ) which BoA recorded on XX/XX/18. Somehow even though the card closed and paid in full, I received a XXXX bill with an additional amount due for interest charges of {$5.00}. So accidentally not paying exactly {$6.00} in XXXX creates a total of {$18.00} of interest charges. The XXXX and XXXX statements are attached so balances and payment as well as interest charged can be seen. Any questions please reach out. If this is in fact legal ( please let me know ) and I will then share this insanity with my congressman and senators as this just does not seem fair to consumers. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Transunion credit report from XXXX. This account was discharged due to XXXX and XXXX XXXX years ago after being diagnosed with a XXXX XXXX. Transunion is the only credit bureau that can not seem to get it straight. I have submitted paperwork to show the account was discharged. In fact, I have been denied mortgages and other loans due to this account being reported incorrectly. It is time that Transunion be held liable for their incorrect reporting of this account. The account is due to fall off in a few months according to the credit report. I have been dealing with this for years. It is clear that the accounts were discharged because all of the other ones have been updated and removed. It should be a simple task to research this and remove the item.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Dispute of Inaccurate and Unauthorized Addresses on XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report the inclusion of inaccurate and unauthorized addresses on my credit reports maintained by XXXX, XXXX, and Equifax. Many of these addresses are linked to identity theft incidents, while others are simply inaccurate and have no legitimate connection to me. 

Disputed Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Identity Theft The inclusion of these addresses violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of information reported ( XXXXXXXX XXXX  XXXX ( b ) ). Furthermore, under XXXX XXXX. XXXX, upon notification of identity theft, credit reporting agencies must block the reporting of any information resulting from such theft, including fraudulent addresses. 

Violations of XXXX and XXXX Laws : FCRA XXXX XXXX. XXXX ( b ) : Failure to ensure accurate and verifiable information. 
FCRA XXXX XXXX. XXXX : Failure to block identity theft-related addresses despite notification. 
XXXX XXXXXXXX XXXX XXXX ( XXXX et seq. ) : Allowing misleading and unauthorized data constitutes an unfair and deceptive practice. 
These violations have caused undue distress and a risk of further identity theft by enabling fraudulent activities tied to incorrect addresses. 

Requested Actions : Immediate removal of all disputed addresses listed above from my credit reports. 
A written confirmation from each credit bureau confirming the removal of these addresses.
Product: Debt collection

Though I didn't receive right to dispute notice they have also just recently started " flagging '' my account for charged off as bad debt! 

This has been a right off for nearly 2 yrs. And as soon as my scores started to climb they " flag '' it, when it's already been disclosed as a charge/write off now it's affecting my score
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt or credit management

this Wells Fargo account did a charge off and its on my credit which is wrong not my account my daughter had account there too I paid mine in full off they try to make her account mine she is in bankruptcy XXXX not me and they tied my and my husband name to that account which is wrong I sent them I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent you a letter via certified mail regarding some unfavorable information on my credit record,. However, your organization neglected to remove accounts that are unverifiable and not associated with any of my addresses, so how are these accounts verified? You failed to remove and delete the disputed items.
Product: Checking or savings account

My job at the XXXX just dropped my payroll check into my account and my bank did not think I knew so they keep trying to slide it out before I can verify that it is there. Some of the employees are biased against XXXX and as a result they keep trying to steal their deposits at Goldman Sachs USA. They are also doing a mass layoff so those fearing this are stuffing their pockets with anyones money they believe an oversight wont notice
Product: Mortgage

I received the following response from the company regarding my complaint of waiver for escrow of taxes : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Your Complaint to the CFPB Complaint # XXXX Dear XXXX XXXX : We have reviewed your complaint and researched the issue regarding your escrow account. Your prior loan was set up to escrow only for insurance and there was an escrow waiver for taxes. Your new loan did not close with an escrow waiver, so we are required to escrow for both taxes ( if not totally exempt ) and insurance. You will be eligible to apply for a full escrow waiver after your loan has been seasoned for 12 months assuming a good payment history. Regarding your tax exemption, our notes indicate that you stated several times that you are 100 % tax exempt, but we could never confirm this. The tax authority website does not reflect a full exemption. The bill you provided in your complaint was for XXXX taxes payable in XXXX. The amount billed in XXXX was {$4700.00} with the exemption applied ( see attached page 2 ). However, if you can provide documentation from your tax authority showing that you are 100 % exempt, we will review and make any necessary adjustments to your account. Please submit this documentation to XXXX '' I contacted the company on 5 separate occasions to ask for the escrow waiver to be completed prior to the closing for the VA refinance. My requests prior to the closing were blatantly ignored. Each conversation with Freedom Mortgage was on a recorded line, so they must have a record of my requests. No one asked for documentation or any other type of verification during my initial calls. I offered documents to the customer care representatives but it was declined as they conducted more research. I took the initiative to send documents through the online messaging system but received no response. I was contacted by Freedom Mortgage again, on a recorded line, to which their representative assured me that the taxes and escrow waiver were addressed before the closing and that is was no longer an issue. I recorded that conversation on my XXXX so I also have a copy of the statement from their representative. To date, none of the representatives I have spoken to, have ever asked for documentation. I asked to speak to a manager and was transferred to the department lead and had to ask again for a manager who could not address my concern. She stated she would research the issue and return my call and to date, no one has returned a phone call to me to explain how to address the escrow waiver. No one can tell me what documentation they need, but they are quick to point out that what I do send them is insufficient. Freedom Mortgage is obviously more concerned with closing loans than it is about customer service. Once again they failed to include the escrow waiver and continued to ignore my requests for assistance. Waiting 12 months for a escrow waiver will cause me a financial hardship because without the escrow waiver the mortgage is beyond my capacity to pay. The lack of customer service and attention to detail is an example of Freedom Mortgage taking advantage of XXXX veterans.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following XXXX formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX XXXX, XX/XX/year> It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of my credit report.
Product: Credit reporting

Please remove all my information history which I owed them in TransUnion. I XXXX for college, car loan, XXXX, XXXX and XXXX. I do not understand they still keeping my history. It already passed 7 years. I tried to apply credit card but they not approve because of my bad history. I not agree with them hold my history OVER XXXX years. Please clean up my credit now and thank you. The policy said hold up to 7 years only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I notify PAYPAL of fraud/unauthorized transactions of my PayPal credit card business account. At that time there 7 unauthorized transactions totaling XXXX dollars. Due to the incident, I closed the card for future fraud. After notifying Paypal,  they allowed the transactions to go through making me a nightmare and a headache in my Bussiness Bank account. 

Their slow response and bad customer service is a negligency of their part that shouldn't be allowed. I don't understand such a big company allows for fraud to go that easily. I tried to call them and haven't been able to speak with anyone since XX/XX/XXXX and we are XX/XX/XXXX. I seek resolution and fast response for this incident to be resolved as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing an very low credit score and refuses to explain why my score for XXXX is showing XXXX XXXX  XXXX and their score is XXXX. I would appear they a have bad information on my report that should be removed, and refuse to explain to me why it's so low.