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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my facial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had 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, credit repair services, or other personal consumer reports

I am in the process of purchasing a new home and applied for a pre-authorization letter through my local credit union. The next day beginning at XXXX I began being bombarded with calls from lenders offering their products. When I asked how they got my number they said they had received it from XXXX and Transunion. I have received 10 calls and 1 text in the last 3 hours!!!! 

In order for me to have a loan I have to have a credit report run and XXXX, XXXX and Transunion are the bureaus who can run this. It is INCREDIBLY unethical that institutions who have access to my personal information and who I have no choice but to use for credit reporting can turn around and sell my information for their own financial gain to other brokers. 

As the CFPB I would suspect that you would see this as a gross violation of CONSUMERS and you should therefore be PROTECTING us from these types of issues occurring. I hope you will take this matter seriously and put process in place to fulfil your civil role.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during iXXXX. Despite my best efforts to keep up with my payments, I fell behind, and a couple late payments were reported. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score. 


If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support. 
Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 dispute letter to Transunion, XXXX and XXXX on XX/XX/21. It has been over 30 days and they have yet to provide me with the results of the investigation. They have been reporting inaccurate Information. I have also sent a demand to comply letter on XX/XX/21 to the Bureaus.
Product: Credit card

I was about to use a virtual credit card issued by the company above when I noticed that the balance was {$0.00} when it used to be {$75.00}. 

I have no other word but theft to qualify what happened. 

Upon calling the company, they were not helpful and rude ( they hung up on me twice ). They did not want to resolve the problem. At some point, they directed me to the cardholder agreement, which I never agreed to. 

And furthermore and anyway, in this agreement, I can read " This Card will expire on the " Valid Thru '' date identified on the front of the Card.

The funds on the Card will not be available to you after expiration, so you should use the funds prior to the expiration date on the Card. ", and fee gouging by XXXX XXXX. 

I want my money back and ready to dispute this.
Product: Debt collection

Collection is not from original creditor. I do not owe Americollect- account # ( XXXX ) in an amount of {$250.00}. I never heard of Americollect. Americollect does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I let the company know that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Product: Checking or savings account

On XX/XX/2023 I was sent ah check for XXXX from my company XXXX XXXX  but I dont have any contact with them anymore and Im trying to get my money released from the bank or just find another salutation cause I been waiting for to long to receive my money and they want talk to people from the business I brought in documents that proved of me being apart of the business I been waiting patiently the check was clear when it first landed into chase and nothing was wrong it froze wants I went to retrieve it from the inside
Product: Bank account or service

I received an email from Capital One stating that my new chip card will shortly arrive ( see attached email ). However, the email listed the incorrect ending card number than what my actual debit card that should be replaced. Upon receiving my new chip card replacing my current debit card, I contacted Capital One by phone and spoke to a representative to activate my chip card. As stated in the attached email that I received, my old debit card should have been deactivated once the chip card was activated. I was notified that my old debit card was used when I placed a recurring order with a vendor, the charges went through and were deducted from my bank account. I contacted Capital One ( XXXX ) on XXXX/XXXX/15, she was unable to verify the card number associated with the attached email. Additionally, she stated that the representative that activated my chip card probably did not deactivate my old debit card. In summary, it concerns me that Capital One sends me correspondence ( see attached ) that does not reflect my correct debit card information and they do not follow their own policy to deactivate debit cards that have been replaced. There is no validation to their card issuance/deactivation process, thereby enabling cards that should be deactivated to remain open and putting consumers at risk.
Product: Debt collection

Keep on calling. Initial i was polite to say the i am not the same person they are looking for keep calling atleast 2x a week. In some occasion calls and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Transunion in early XX/XX/2021 and to cfpb on XX/XX/2021, about Transunion 's arbitrary lowering of my credit rating on XX/XX/XXXX, by more than 100 points, with no explanation and no no information change on their credit report of me as posted on XXXX XXXX, and as reviewed on the Transunion site, by me. I was assured by cfpb that Transunion was reviewing my complaint. After a full month of damaged credit which was eliminated the possibility of my applying for car credit, at all, I still see ny explanation for the 100+ drop and no communication other than robo stuff from either Transunion or cfpb. 
I can only conclude that neither Transunion nor cfpb are the slightest bit involved in fixing what has become a crisis for me. So much for our tax dollars.
Product: Credit card or prepaid card

I was with XXXX XXXX XXXX for more then a year I received numerous deposits From XXXX XXXX  every week as well as funds released from bank of XXXX after there relationship ended we were instructed to take all funds out accounts by transfer which I did whatever issue or violation occurred I was not aware of nor was I given an opportunity to fix said issue my account was immediately " close '' with any form of notice from the company which left me stranded and broke due to them not returning my money in the amount of {$1800.00} I was then asked to verify funds which I did as well as verify my identity My XXXX  claim and the account in which funds were transferred from still no change and no response for months so then it was escalated and I was told to submit an letter of indemnity and hold harmless which was close to impossible to get get from bank XXXX XXXX XXXX due to the relationship ending and the contravercy of the matter so now where headed into 18 months I've been requesting and submitting the thing s they asked to no avail they have never gave me a written or verbal explanation as to why they were holding the funds and now because of the Time it has taken the originating account has been closed so this my final attempt to get wat belongs to me!
Product: Student loan

**Subject : Urgent Demand for Validation of Reporting Authority and Account Accuracy** To Whom It May Concern, I am formally disputing your continued reporting of late payments on my student loan account, which, according to my records, was **paid in full and closed**. Despite this, your company persists in reporting inaccurate negative information, which is a clear violation of my rights under federal law. I am demanding immediate proof that Edfinancial Services has the **legal right** to report this account and to substantiate your claims in full compliance with federal regulations.

Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and recent updates to consumer protection laws, I am requesting the following documentation : 1. **Proof of ownership and servicing rights : ** Provide certified documentation that establishes Edfinancial Services as the legal owner or authorized servicer of this student loan, including all transfer and assignment agreements from the original creditor.

2. **Regulatory compliance approval : ** Show evidence that your company is in compliance with the latest federal regulations governing student loan reporting, including any approvals or licensing required under applicable consumer protection laws.

3. **Complete account validation : ** Supply a full and detailed payment history, including confirmation that the account was **paid in full and closed**, along with proof of notifications sent to me in compliance with **12 C.F.R. 1022**, which mandates accurate reporting and consumer disclosure.

4. **Legal right to report : ** Cite the specific legal authority under which you claim the right to report this account as delinquent, including references to federal regulations that authorize such reporting.

If you are unable to provide the requested documentation within **30 days** of this notice, I demand that you **immediately cease reporting this account** to credit bureaus and remove all negative entries related to this matter. Any failure to comply with this request will result in my pursuit of legal action to enforce my rights under the law, including potential complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
This letter serves as a formal demand for validation and dispute of inaccurate reporting. 
XXXX XXXX
Product: Credit card or prepaid card

I told them what happened they just deemed my account as fraud but never took care of the credit card itself. 
this was a few months ago in XXXX of 2021 then I went back to Chase bank to see if they can help me at a different branch. They just closed the account but never fixed the issue with the credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my wife sent a same day wire from XXXX XXXX XXXX to Coinbase inc. in the sum of {$15000.00}. XXXX XXXX XXXX emailed a confirmation of successful send of wire. 

Attempted to contact ~20times XXXX and Coinbase customer service via email, support email, twitter, and phone. Coinbase responded ONE time on XX/XX/XXXX with an automated response not pertaining to my issue. 

Name of Coinbase account is seperate from Wife 's bank account name. This may be causing the issue. If that is the case, we need a resolution to the funds.
Product: Credit reporting or other personal consumer reports

I Recently Review a copy of my credit and notice I had fraudulent account on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

Recently I did an investigation to my XXXX credit report which cause severe stress and XXXX on me and found inaccurate, unverifiable, invalidated and questionable items reported by a collection action named as CCS, Credit Collection Services. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I went to the original place we got 2 cars from to purchase another vehicle in XX/XX/XXXX. We specifically asked to go through the original creditor for the loan on a XXXX to XXXX vehicle. So far, my husband has 12 hard pulls on his credit and it's dropped his score 100 points. I have a total of 9 and it has dropped my credit score as well. These are all hard pulls and they are for XXXX vehicles and worth over XXXX. We both tried talking to the company but they said " they were just trying to get the best deal '' and when we reminded them that it was not agreed on they stated it was allowed to find the best deals.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX. Acct XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX 15 U.S.C. 1681 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 with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.
Product: Debt collection

I received a collection notice from Synergetic Communications , Inc. stating that I owed {$7000.00} on an old credit card debt. They claim the current owner of the debt is XXXX XXXX XXXX XXXX The original debt was for much less than they are asking for and was paid off in 2008. I called the original lender and was told that it was a fraudulent collection attempt. They don't even do business with this collection agency. This debt is not owed and was never for this amount.
Product: Credit card or prepaid card

I received a letter on XX/XX/2021 from synchrony Bank stating that I had applied for a TJ Maxx rewards card credit card. I never applied for that card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. 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 XXXX 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have a loan that is currently being serviced by Mr. Cooper, formerly Nation Start Mortgage. I took out the loan in XXXX 2006 as a Purchase Money loan for 100 % financing. The 80 % first mortgage is with Mr. Cooper and the 20 second is with XXXX XXXX. I have not refinanced or done anything with the loan since except making all my payments on time without ever being late. 
The type of loan I have with Mr. Cooper is a 5-year ARM Interest Only loan. The Note to the mortgage states that the interest rate is fixed for five years, then adjust every six months thereafter based on the index described in the Note until year 10.

The Note also states that I will pay interest only for ten years regardless of the adjustments to the interest rate. However, the Note states that, after the Interest-Only Period, defined 120 payments ( 10 years ), the Note Holder will : " will pay principal and interest by making payments every month thereafter for the next 240 payments in the an amount sufficient to fully amortize the outstanding principal balance of the Note at the end of the Interest-Only Period over the remaining term of the Note in equal monthly payments. '' Unfortunately, Mr. Cooper refuses to adhere to the terms of the contract and continue to force rate adjustment to me. 

Their only argument is that I am in an adjustable rate loan and therefore the rate is going to adjust and that if there allow me to make " equal monthly payments '' as stated in the contract then I would have a fixed loan. They insist that what is written in the contract does not matter because I do not have a fixed rate loan. 

Please help me! I am going up against the full legal apparatus of Mr. Cooper who refuse to read and adhere to the terms of the contract that I signed.
Product: Credit card or prepaid card

Chase Bank fees and stop XXXX payment I have a problem with XXXX.I cancelled my XXXX agremment two month ago and they accepted it.But they charged me a couple time ( Date:XX/XX/2019 {$12.00} / Date:XX/XX/2019 {$15.00} ) .I ve talked XXXX more than ten times but they are not helpful, I tried to get my conversation more than last one as a proof but i am scaring to charged me again, They are charging me again again and again their customer servis very bad.They have wasted my time asking questiones.End of the talk, they are saying at this time you use account but next mounth we wont charge it but charged it again.So i need to stop this XXXX  payments on my Chase Bank Acount . But Chase Bank doesn want to stop it cause of insufficent fee XXXX dollars.And they dont want to block XXXX payment .The solution is replacement of cart but i am going to waste time and money again.XXXX  frauding me and Chase cant stop it and supporting them. 
My case Bank Acounnt number:XXXX My XXXX Acount Name : XXXX My email : XXXX XXXX
Product: Vehicle loan or lease

I tried to work out a payment plan with Credit Acceptance but they wouldn't help me and they repossed my vehicle. Now I have a higher balance to pay if I want my vehicle back and I have to drive over 3 hours one way just to get it. I tried to work something out with them before it was repossed but they wouldn't help me and they came to my house and took my vehicle without me knowing it. I don't know if they wrecked my vehicle when it was loaded or not. But they wouldn't help me so I could keep my vehicle and get back on track with payments. They are sometimes rude on the phone when talking to them. I wanted to keep my vehicle but Credit Acceptance wouldn't work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires on my report that are not mine. I disputed these directly with the company and with the credit bureau and they still remain XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts may be a result of identity theft as I have never contracted with these companies. I have already send letter to the credit bureaus multiple times letting them know what has gone on. These items shall be removed no later than 4 business days after initial contact. Most of these accounts have been removed from one or the other credit bureaus which means the others need to update their systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX