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

I am writing to formally express my concern 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 covering loss funds was Impossible and the tracking the transaction was unfeasible. The CFPBs finding to indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system leaving users is 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Bureau, I am writing to formally complain against TransUnion, XXXX and XXXX regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and i believe they have fail to comply with legal procedures. On XX/XX/2024 I submitted a Procedural Request letter to TransUnion, XXXX and XXXX and then again on XX/XX/2024, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA section 61, paragraph ( 6 ) ( b ) ( iii ), TransUnion, XXXX and XXXX is obligated to provide this information within 15 days of receiving the request. As of today, i have not received the requested information.
Product: Money transfer, virtual currency, or money service

Wells fargos denied my XXXX  claim of XXXXXXXX XXXX  the claim number is XXXX They never asked for my evedince XXXX  admited to not delevering my order they did not properly investagate this i can prove they never delevered my food l. 
attached proof of XXXX  admiting to not delevering my food
Product: Student loan

Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.
Product: Mortgage

" Borrower '' emailed " Shellpoint '' the attached " QWR '' on XX/XX/2016, at XXXX XXXX  EDT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1781 section 602 A. States I have a 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 or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XXXX Company Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX Information XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following inquiry is more than XXXX years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have XXXX days to complete this investigation. 
XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXs XXXX XXXX XXXX XXXX, FL, XXXX
Product: Mortgage

This started at the end of XXXX XXXX when I went online to pay my XXXX XXXX payment and Mr. Cooper website would not accept payment ( stating I owed more than my normal payment of {$490.00} ) and continued through the month of XXXX XXXX. I spoke to a XXXX in XXXX XXXX who proceeded to yell at me and threaten to foreclose on me if I did n't pay the full amount due. I requested to speak to a supervisor and was given XXXX who started the process of straightening out the systems handling of insurance as it applies to my account. I pay insurance and taxes separately. I was then transferred to loan specialist XXXX who took the whole month of XXXX XXXX, but was finally able to get all payments posted correctly and acknowledged I was up to date until XXXX XXXX. I got online in XXXX XXXX and it said I owed {$490.00} and that 's what I paid. 

When I got online in XXXX to make my payment it said {$78000.00}. Two days later XXXX called me and I told her I tried to make my payment and it would n't accept my normal payment of {$490.00}. She stated, are they doing this to you again? She said she 's in a new department ; however she will talk to her supervisor, get this fixed and call me back. I never heard from her and in the meantime every time I got online the amount went up. It now says I owe {$1000.00}. When I called today ( XXXX ) I was told that the payment I made in XXXX was applied to XXXX 's payment. I went online to their website and back dated my payment history for the last two years and I never missed a payment. I 'm not sure how they 're applying my payments. There have been mistakes made in the past with my account regarding my insurance and escrow payments. I 'm confused as to how I can be caught up in XXXX and then told in XXXX I owe for three months. The employees at this organization refuse to listen to anything I have to say. It 's like they have a script in front of them that they read from and are not allowed to say anything else. 

I recently received a letter in the mail from Mr. Cooper dated XXXX/XXXX/XXXX stating I owed {$1200.00} by XXXX/XXXX/XXXX. I 'm confused to even this amount since online it states as of XXXX/XXXX/XXXX I owe {$1000.00}. Now I am concerned about foreclosure, which does n't seem appropriate as I have n't missed a payment for many years and when I was going to be late it was due to having XXXX XXXX years ago and I called in advance to make payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US Veteran XXXX XXXX in XXXX. I was assigned after my deployment to XXXX during the war against terrorism in XXXX. During my task I was injured in the Island during my work as a XXXX subcontractor. I had to go to the XXXX XXXX to the work incident. 
Never received a letter or any notification as I remembered that the XXXX was a ware that I was under the XXXX medical. 
My credit score was always above XXXX. Last week my credit score went down to XXXX. I am small business owner and just this week my bank credit line got cancelled. 

I am not at falt and I was never aware of this problem tell my credit score went dow to XXXX last week. I did sent a request to Transunion on XX/XX/XXXX and did contacted the other agency.
Product: Vehicle loan or lease

Credit acceptance is reporting on credit report as an open account, Also show a balance of the amount originally owed and not showing that the car was ever paid or had payments. Credit acceptance is stating the car never had one payment but the car loan had several payments on the car loan from XXXX to XXXX. The vehicle was involved in an accident and was reported to credit acceptance. Credit acceptance is reporting incorrect amount owed.
Product: Credit card

On XXXX I made reservation on Frontier Airlines using my Barclays Mastercard. Frontier website says that they offer free checked bags on all Frontier flights ( not codeshare flights ) when booked online using this credit card. I noticed my reservation did not note free bags so I opened a chat with Frontier. They checked my information and told me that Barclays did not have my frequent flyer number connected ( expired ) and I should contact Barclays directly with the number they provided. I specifically asked if my cc was expired- they said no that cc was fine but frequent flyer number was expired n not connected so Frontier was unable to provide the free checked bags. While on my chat I called Barclays and spoke with customer service rep who checked on my number and said they had it but that the checked bags was only for domestic flights.I told them I was actively chatting with Frontier who told me I was eligible as long as I used my Frontier MC. I also told Barclays rep that upon checking both Frontier website and Barclays there was NO mention of excluding international flights. He kept putting me on hold and checking and returning saying the same thing. I asked for a printout of their policy that excludes international flights but he kept saying the same thing-only applies to domestic flights. I asked to speak with his supervisor- he told me that they would say the same thing. Nevertheless I finally got to speak with his supervisor. She checked and said my Frequent flyer number was active but that the free checked bags was only on domestic frontier flights. I said again that website does not say that. Then she said the MC I had was not elegible. But after checking she said my card was eligible BUT not on this flight because perk was only on domestic flights. I asked to speak with her supervisor- she took my information and said I would be contacted within XXXX hours. Today is XXXX  days later and they have not made contact
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. There arw XXXX inquiries on my Experian report that are inaccurate. I also have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are inaccurate on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXXXXXXXXXXXXXX**** ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

{ dispute_item_and_explanation } XXXX XXXX  ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} Collection account XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about an improper reporting of a 30-day late mortgage payment that was not my fault. I submitted my payment on the loan servicer 's website and received an email confirmation that my payment was received. The next day, I received a second email confirmation that my payment had been processed. 

However, due to an auto-fill function on the website, apparently, my routing number became corrupted which caused a data processing error, and the bank never received or processed my payment. I did not receive any notice of this fact until after the payment was 30 days late, at which time I immediately re-submitted the payment. 

I do not feel that I am responsible for the data processing error which is resulting in a 30-day late report to the credit agencies. I have never made a late payment on this mortgage and otherwise enjoy a perfect credit report.
Product: Credit card or prepaid card

On XX/XX/2017 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2017 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card or prepaid card

Applied for a XXXX  credit card in person at a XXXX location in XXXX XXXX on or about XX/XX/2018.Card is managed and issued by Bank of America . I was told by the agent at XXXX that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with Bank of America and was told that the card application had to be completed on line. I was NEVER told that by the agent at XXXX as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either XXXX and/or Bank of America. I want what I was promised regardless of who made the offer.
Product: Payday loan, title loan, or personal loan

I did request a short term advance through Global Payments System at XXXX XXXX XXXX, however they never disclosed that they can report to the credit bureaus nor provided a timeline to pay before their company will submit as a collection to the credit bureau. I have never received any paperwork in writing USPS postal mail or via email nor text. I offered to pay in full the total amount of {$770.00}, mailed the cashiers check last year I believe on XX/XX/2019 with the request to delete from my credit file, but they contacted me by phone and refused my payment then sent it back to me via USPS postal mail. I need help in resolving this issue, because when I was at the casino none of their collection process was indicated at all and how can they report to the credit bureau without disclosing their collection practices? Global Payments telephone number is XXXX. Also, they have listed 2 different account numbers on my credit file for the same account when I requested two different amounts. 2 separate cash advances one for {$300.00} & {$400.00} ; but totals {$750.00} because they may be charging {$35.00} for each transaction as well. They do not disclose any information whatsoever regarding their collection practices.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CF PB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1 02.142 ( b ) ( 7 ) I kindly request that you bic ok this information from my credit report within four days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted from Tansunion. Please delete the following accounts. XXXX bal. {$5700.00}, XXXX bal. {$0.00}, XXXX  bal. {$8400.00}, XXXX XXXX bal. {$420.00}, XXXX XXXX  bal. {$0.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX XXXX : {$XXXX}
Product: Credit card

Elan Financial Services refuses to pay out reward points when I have a statement clearly showing that they are earned and payable. My account was purchased/transferred from XXXX and Elan says they did not get the points. XXXX has no information about the account and will not talk to me. 

The account is registered in my deceased husband 's name and I am his personal representative.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this