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 financial institution and Zelle failed to investigate my claims properly. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises numerous concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - XXXX, Transunion and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Transunion and XXXX. 

4. {$8900.00} XXXX XXXX  date XX/XX/2013 ( XXXX XXXX - XXXX, Transunion and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - XXXX, Traansunion and XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the following unauthorized hard inquiries on my credit report, which were added without my permission in violation of the Fair Credit Reporting Act ( FCRA ) : 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 These inquiries were placed on my credit report without my authorization, and I did not apply for credit or give consent for these companies to perform a hard pull on my credit.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Mortgage

We have been in COVID forbearance since XX/XX/2020 and everything was fine. We called United Wholesale Mortgage to find out about extending our forbearance in late XX/XX/2020. They explained options at the time and we were supposed to call back in XX/XX/2020. Then, I received delinquency notice in the mail and called in XX/XX/2020 to find out why. I was told they removed us from forbearance accidentally due to error in coding. Since XX/XX/2020 I made over 20 calls to UWM to have them rectify the issue. On XX/XX/XXXX, a payment automatically drafted from our checking and we need this to be reversed ASAP as it the last few XXXX dollars we have for food and medical supplies. I made multiple requests for a supervisor callback, and to this date XX/XX/2020 I have not received any calls nor voicemail nor missed calls. Each customer service rep gives me different information and all they can do is send a request for a callback. This is unacceptable and we request immediate attention from UWM to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX  XXXX XXXX  via mail and my concerns werent acknowledged. I have tried to dispute this off my credit and they refused to my the information as I have the right to privacy and I dont have an account with them.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

Dispute regarding inaccurate information on my credit report I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law. Recently the consumer Financial Protection Bureau filed a lawsuit
against Experian for it's failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
The investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this manner, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day time frame. 
Sincerely, XXXX XXXX XXXX without prejudice XXXX XXXX XXXX
Product: Debt collection

A representative by the name of XXXX XXXX from FHCANN & Assoc. Called and stated " if you don't want to deal with this account ( debt ), then we will call your relatives and ask them about it ''
Product: Mortgage

Like many people I was struggling before the pandemic, but during the pandemic I was unable to make my mortgage payments. I applied for and was granted 12 months of forbearance of my XXXX XXXX mortgage serviced by Mr.Cooper. At the end of the 12 months I was NOT informed that under XXXX XXXX I was entitled to two additional 3-month extensions. When I did apply for those through Mr.Cooper I was told no. When I applied for a Loan Modification I was told no. I was told I could do a Repayment plan, but I would have to pay the outstanding balance of payments due in a lump sum ( in violation of XXXX XXXX  guidelines ). I requested written clarification of why I was not entitled to the extensions and why I was not entitled to a Loan Modification. I also requested an explanation was to why I had to pay back the payments suspended during forbearance as one lump sum. I have received NO written response to these questions from Mr.Cooper. I have however received two letters from XXXX XXXX XXXX informing me that Mr.Cooper has turned my loan over to them for foreclosure. This is extremely frustrating. Why am I being singled out for treatment that violates all of the XXXX XXXX guidelines currently in place? I do not have the money to hire a lawyer to help me with this. However, I am waiting on an inheritance which would allow me to pay the outstanding balance of payments of approximately {$32000.00} in a lump sum. That should be going to probate and should get through probate in 12 weeks or sooner. So if I was actually granted the 2 forbearance extension periods I am legally entitled to I would be able to pay the outstanding balance and make my mortgage payments on time from here on out. But Mr.Cooper would rather drive a XXXX year old woman out of her house and onto the street. Mr.Cooper is also aware that there are 14 old horses on this property that have nowhere to go. Is Mr.Cooper going to pay for their board at another property? Is Mr.Cooper going to have them all destroyed since I can't take them with me to live on the street? Or better yet, is Mr.Cooper going to follow the regulations mandated by XXXX XXXX and give me my forbearance extensions so I can save my home? Please help me. I would rather die than leave my home knowing my horses will all be killed especially when it can all be avoided. I have provided Mr.Cooper with proof of my inheritance. I have provided them with proof that I am serious about saving my home. And yet they can not bother to respond to any of my requests in writing I will be making a copy of this complain and submitting it to Mr.Cooper and to XXXX XXXX XXXX as well. I hope you can help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX  {$5700.00} XXXX, XXXX XXXX {$14000.00} XXXX, Trans Union is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Trans Union continues to ignore & disobey the law. Trans Union LLC knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Trans Union LLC., why should I pay $ XXXX a month & they don't seem to care about my life. 
Thank You.
Product: Debt collection

Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action. 


15 US CODE 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

Commencing on or about XX/XX/2016, I fell victim to a multilayered scam operation orchestrated by XXXX trader platform with the design, development, manufacture, promoting, marketing, distribution, labeling, 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 the clients losses to their gains. 
Money was transferred from my account via credit in the total amount of XXXXUSD utilizing your services by XXXX XXXX and XXXX, XXXX USD by XXXX XXXX .
Product: Debt collection

I have made a purchase with the 18 months interest free promotion from XXXX XXXX. I have repeatedly asked the sales representative regarding the payments, whether I would need to make interest payments based during the 18 months we didn't pay interest in case we forgot to pay off the debt in 18 months. The sales rep repeatedly assured me that I would only be making interest payment once the 18 months is up based on the balance I would have just like any other credit card. 

Fast forward to today, XX/XX/2018, I decide to check up on my debts and realized I still had the debt for the appliances purchased from XXXX XXXX. I decided to make the payment to clear the debt and decided to see how much interest had accrued and I saw that interest for 18 months I didn't pay were added to the statement when the promotional period ended. 

I have made a phone call to see if I can get this interest amount reduced or removed, but the reps were very stoic and stern about the fact that they weren't going to remove this interest amount of {$1700.00} based on debt balance of {$2200.00}. 

I have made a call to the customer service, spoke with the representative and she couldn't help me, so I asked to speak with upper management and XXXX from the management team answered. XXXX also repeated that she couldn't help me because the information was stated on pages 1 and 3.  However the company didn't make much effort to let the consumer know that once the 18 month promotion period was up, we would need to make interest payment that we've missed out on for the first 18 months. It says in a small line at the bottom of page one about deferred interest, but to a layman, deferred interest seems like interest that will begin to be charged once the promotional period is over.
Product: Mortgage

I have set up mortgage payments so that I pay towards my monthly obligation twice a month. This is for two reasons : 1 ) it evens out my monthly expenses 2 ) early payments *should* help me pay down my mortgage faster. 

After enrolling in this program, I learned that the first payment is held in a " suspense account '' and it IS NOT applied to the mortgage at time of payment. Instead, it is held & applied at the end of the month, once the second payment is received. 

I am paying early, but I am not receiving any benefits related to that early payment ( balance reduction, which then impacts interest over the life of the loan, therefore helping me pay down faster. ). 

Truist does not have ANY other way for me to make partial payments towards my monthly obligation -- I must pay all or nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

I have sent letters to all three XXXX, TransUnion, and XXXX  about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that I have disputed. Also there were two collection accounts removed from my reports and they were promptly re-reported without any notification. Please resolve the manner as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I checked my credit report and there's an unauthorized inquiry. I don't have any knowledge regarding this inquiry so please thoroughly check the documents I've sent.