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

I am writing to express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit lawsuits, which highlight significant issues with the platform. I am concerned about the tax consequences that may come in the future with the app, which are not disclosed in Zelles policies. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed offenders to take advantage of the system. Therefore, users are vulnerable to scams. I have had an issue in 2023 where my payments were sent, but not received by the user. Therefore, I had to make multiple payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I filed an FTC Report because there were inaccurate/unauthorized accounts on my report and nobody would not help me get fix this.
Product: Debt collection

Dispute Reason : Inaccuracy, do not own Dispute Instructions : Please delete immediately Dispute Reason : lack verification of debt, inaccuracies, do not own Account Name : nationwide capital S Account # : XXXX Please delete all of this immediately Under the Fair Credit Reporting Act, 15 USC 1681G I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report involving my address
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Violation of Consumer Law ( 15 U.S.C 1801 and 1802 ) - Removal of student loans. 

Department of Education/XXXX {$4500.00} XXXX Department of EducationXXXX {$3800.00} XXXX Department of EducationXXXX {$2200.00} XXXX Dear XXXX XXXX I am writing to formally dispute and bring to your attention certain actions that I believe are in violation of the provisions outlined in the Consumer Credit Protection Act ( 15 U.S.C 1801 et seq. ). Specifically, I am concerned about your handling of my student loans, and I request immediate resolution in accordance with relevant consumer protection laws.

As per Consumer Credit Protection Act, Title I - Consumer Credit Cost Disclosure ( 15 U.S.C 1801 and 1802 ), creditors are required to provide accurate and timely information to consumers, ensure transparency, and comply with fair practices. I believe that your actions with regard to my student loans have deviated from these fundamental principles.

I have identified the following issues that warrant attention : Inaccurate Reporting : I have noticed discrepancies in the reporting of my student loans account on my credit report. It is essential that the information you provide to credit reporting agencies is accurate and up-to-date to ensure the fairness and accuracy of my credit profile.

Lack of Transparency : I have encountered challenges in obtaining clear and comprehensive information about my loan terms, repayment options, and any potential changes to my loan conditions. Transparency is crucial in maintaining a healthy consumer-creditor relationship.

Failure to Provide Notices : I have not received essential notices and communication regarding my loan account as required by law. It is your responsibility to ensure that consumers are kept informed about any changes to their loan terms or account status.

I kindly request that you take the following actions : Conduct a thorough review of my loan account to rectify any inaccuracies and discrepancies in reporting to the credit bureaus. Provide me with complete and transparent information about my loan terms, repayment options, and any changes that may have occurred during the life of the loan.

Furnish all required notices and communications pertaining to my loan account as mandated by the Consumer Credit Protection Act.

I understand that resolving these issues may take some time, but I expect your prompt attention to this matter. I am prepared to cooperate fully and provide any necessary documentation to facilitate the resolution process.

Please respond in writing to this dispute within 30 days of receiving this letter. In your response, please outline the steps you intend to take to address the aforementioned issues and provide a timeline for the resolution.

If my concerns are not addressed satisfactorily and in a timely manner, I may be forced to escalate this matter further, including filing a complaint with the appropriate regulatory authorities. 

Sincerely, XXXX XXXX
Product: Credit card

Opened a credit card with Saks Fifth Ave store in XX/XX/2023. Returned some items purchased and received confirmation about the returns through email. Paid in full for items not returned.unknown amount of {$350.00} on XXXX statement. Spoke with Saks Fifth Ave customer service and Capital One bank for an explanation. Nothing has been resolved. I now have a late charged to the {$350.00} it is now over {$380.00}. XXXX from Capital One id # XXXX And a case number from Saks Fifth Ave XXXX. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me
Product: Mortgage

My wife and I applied for a XXXX XXXX XXXX with New Rez on or around XX/XX/2022. We promptly submitted all documents and paid the appraisal and credit score fee. After multiple delays and the need to restructure the loan several times on New Rez 's end we were offered a closing amount of approx {$37000.00} to get the loan approved with our debt to income ratio. This was about {$60000.00} LESS than what we were initially approved for.

We accepted the amount and were cleared to close by New Rez. The morning of closing, the notary did not show up. Neither our processor or anyone involved at New Rez answered our calls. We had made schedule adjustments with work to accommodate the closing.

The loan officer at New Rez ( XXXX XXXX ) called me and explained that the loan was denied at the last minute due to our debt to income being to high, the loan amount, and the fact that our investment property against which the loan was secured was paid off. 


New Rez has fraudulently claimed that our debt to income is too high after we received the clear to close from processor F. D__z on a recorded line and it was reviewed multiple times by underwriting.

This is unacceptable especially given the long history of on-time payments we've maintained with New Rez. I read this as discriminatory against clients who do not offer the most lucrative payoffs New Rez desires.

New Rez has determined that it is not profitable to lend us a mere {$40000.00} for the following reasons : We have paid off the investment property against which the refinance is to be secured in less than a year We are being offered a lower loan amount due to our DTI which will not offer much of a return in interest We have made significant headway in our primary mortgage which is also with New Rez. 
This low loan of XXXX ties up funds in your available capital pipeline Therefore New Rez has determined it is not profitable to lend us a mere XXXX which can be quickly paid off. 

All this while greedily taking appraisal and credit score fees during these difficult economic times and not even having the courtesy to notify us that -- contrary to what we were told -- the closing was not going to happen. 

This is another example of a big company taking advantage of consumers.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2015, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I reached out to a XXXX house rental - the " realtor '' said there was a pre-screening involved and I needed to submit a credit report thru TransUnion which I later found out was a fraudulent website. They now have my credit card number and last 4 digits of my social security number. I have since cancelled my credit card but am unsure as to what to do regarding my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't no what option to select from above in regards to my complaint. My issue is with my Kohl 's charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from Kohl 's last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. Kohl 's did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to Kohl 's explaining again the whole situation and how this happened.
Product: Checking or savings account

Trusit bank closed my account stating fraud but their was no fraud on my account I asked them to provide information and they did not
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. These accounts are with : XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$17000.00} Account number XXXX XXXXXXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$610.00} Account number XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$6300.00} Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$18000.00} Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance {$16000.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$47.00} Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX with a balance of {$6500.00} Account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$16000.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$24000.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$580.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX Illinois evicted me and my family on XX/XX/year>2023 the eviction has been sealed but is still showing up on my public records it was sent to fair collections and outsourcing in the amount of XXXX XXXX XXXXXXXX XXXX 2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was paid after it was sent into collections-Paid/Closed. 
XXXX keeps reporting I owe them I called XXXX to get my settlement letter and last payment to submit to XXXX and they wont provide the payment statements.
Product: Credit reporting or other personal consumer reports

Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had late payments on an account that I have always had up to date. I have never been late on the account ( Bureau ), account number ( XXXX ). Please investigate and prove with bank statements that these payments are late, if you can not provide proof, I demand that these payments be updated on time, thank you very much
Product: Debt collection

I am writing to bring to your attention a concerning matter involving Midland Credit Management ( MCM ), a collection agency, and their persistent disregard for legal boundaries outlined in the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2024 and XX/XX/2024, I sent a total of XXXX cease-and-desist letters, XXXX times to MCM via FedEx ( Tracking Numbers XXXX ; XXXX ; XXXX ). These letters explicitly instructed MCM to cease all communications with me regarding an alleged debt that is past the statute of limitations in the State of Maryland. Despite clear directives in my correspondence, MCM continues to ignore my requests and persists in sending me correspondence. MCM debt validation letters on both XX/XX/2024 and XX/XX/2024 after I have advised to cease all communications with me. 

Rather than acknowledging receipt of my cease-and-desist letters, MCM has repeatedly violated my rights under the FDCPA by sending debt validation letters in response. This pattern of behavior constitutes harassment, as outlined in the FDCPA. I have explicitly warned MCM that their actions are unlawful, and if they persist, I will have no choice but to pursue legal action against them.

The addresses to which my cease-and-desist letters were sent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Corporate Office ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX It is evident that MCM believes they are exempt from compliance with the FDCPA, despite clear evidence to the contrary. 
The account numbers referenced in both my cease-and-desist letters and MCM 's correspondence are as follows : MCM # XXXX MCM # XXXX MCM # XXXX MCM # XXXX This ongoing situation has caused me significant mental distress and has been an egregious waste of time. It is unacceptable that MCM continues to flout the law with impunity. 

I kindly request your assistance in resolving this matter promptly. Specifically, I would appreciate guidance on the next steps I can take to ensure that MCM ceases all unauthorized communication with me. 

I have also attached the XXXX PDF delivery confirmations from all XXXX deliveries which required a signature and the letters that were most recently included as well for your reference. 

This is very concerning that it appears they can do whatever they want and get away with it. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX