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, specifically in relation to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions XXXX XXXX XXXXXXXX, XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only failed to protect customers but has also continually allowed offenders to exploit and take advantage of the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Money transfer, virtual currency, or money service

Have completed a domestic transfer of {$10000.00} and have not received
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of this year, I disputed a collection account on my Transunion credit report from XXXX XXXX. This account had previously been deleted because it did not belong to me. Transunion reinserted this collection account back on my credit report without notification. Which is a violation of the FCRA of ( A ) ( 5 ) ( B ) ( ii ). When I notified Transunion of this violation, they returned the account as verified. That was not my request. It needs to be removed. Also, I'd like to ask, How was this account Verified? What was the method of verification? Where is the proof of this verification? I am requesting a hard copy of this proof with my wet-signature binding me to this debt.
Product: Debt collection

I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an 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 is unfair and deceptive, as 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

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX DEPARTMENT OF EDUCAT Account # : XXXX DEPT OF ED / XXXX Account # : XXXX DEPT OF ED / XXXX Account # : XXXX Inquiries XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Checking or savings account

Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.
Product: Credit reporting or other personal consumer reports

TD Bank did not report my car is completely paid off. Please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company reported me as delinquent even while on COVID workout for a modification right after a COVID forbearance. They told me ( after I noticed a XXXX point credit score drop ) there was no way I could avoid it without paying the entire outstanding balance ( which was getting rolled into the loan via a COVID workout loan modification ). This is unjust, immoral, and greedy inhuman behavior. They ruined my credit score and perfect payment record because of a self-enforced set of rules that I had no control over. Throughout the COVID forbearance, I asked and was told many times that there would be no negative repercussions for being on the forbearance or for the loan modification. They refuse to provide me with phone recordings of the conversations. 

XX/XX/XXXX, spoke to XXXX XXXX, made escrow payment, advise on repayment options/loan mods, etc XX/XX/XXXX, spoke to XXXX, made escrow, made mention of plans to do loan modification. 

XX/XX/XXXX, spoke to XXXX, wanted to make sure was still on COVID forbearance, made escrow, mentioned desire to do loan mod XX/XX/XXXX, spoke XXXX, escrow only payment XX/XX/XXXX, spoke to XXXX, escrow only payment, went over COVID options, wanted to do mod, still on forbearance XX/XX/XXXX, spoke to XXXX XXXX, escrow payment, went over deferment loan modification, wanted to do mod, referred to XXXX XXXX notified ). 

XX/XX/XXXX, spoke to XXXX, wanted to go ahead and do modification, streamlined. Had to order updated value, takes a few days ( $ XXXX ). XXXX said a few days to get value back. 

XX/XX/XXXX, spoke to XXXX, returned results, submit mod for approval. 

XX/XX/XXXX, mod submitted on this date to supervisor, XXXX ( or team ) XXXX XXXX XX/XX/XXXX XXXX XXXX sent out for Mortgage insurance caused delay, sent out and response on XXXX XX/XX/XXXX XXXX resubmitted back to supervisor team 48 hours for approval ( weekend in between ), standard Actually took 4 business days ( not including XXXX ) XX/XX/XXXX, everything was approved for loan modification. Needed MI approval also ( done for XXXX ), XXXX approved it. I was not notified until XXXX A month where nothing happens, XXXX XXXX ( supervisor ) says about XXXX XX/XX/XXXX, letter offer sent for trial XX/XX/XXXX, I called in, spoke to XXXX, confirmed modification was approved to start XXXX told me XXXX is an interim month before the trial, no payment is due, trial payments start in XXXX ( XX/XX/XXXX ) Not asking for payment at that time, In reference to the XXXX interim month President Biden has not actually declared the COVID emergency over as of XX/XX/XXXX. 

I was deceived by Shellpoint/NewRez and penalized for following the rules. 

I have submitted several disputes to Shellpoint with no resolution. Until today ( XX/XX/XXXX ) I have not even been able to view responses because they delete them before I can. I have filed disputes with each of the three major credit bureaus however my understanding is they just go ask Shellpoint for the same information again and don't resolve it either.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 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 CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 
2 ) The app malfunctioned and deposited it twice. 
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 
7 ) A week passes ; the money never reaches my wife 's account. 
8 ) I call Ally every 2 days. Customer support assures me they are on their way. 
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX  on the XX/XX/XXXX. We have had no updates since then. 

Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.
Product: Mortgage

We received the ATP from HUD in the begining of XXXX. We got the offer and everything over to Mr Cooper through equator after the 2 week marketing period. There were a few additional requests for documents and corrections and they were all completed. We have been waiting for responses and requesting updates since XX/XX/XXXX and I was told that NOTHING Has been done to the file since the XXXX. We have an offer that is compeltely meeting the ATP guidelines and our buyer is going to loose their ability to get a mortgage at the end of this month. I have been emailed and requesting updates with absolutely NO RESPONSES. Yesterday the XXXX XXXX emailed me to let me know that she is waiting for a variance ( that should not been needed being we have the ATP ) and that the client needs to be 31 days past due. This is untrue because we have a ATP. She is not properly working this file and her co worker at MR Cooper specifically told me she has not TOUCHED THE FILE since XX/XX/XXXX. We received the contract approval on the XXXX, there is no reason it should be taking this long.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates. 
This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent Cease & Desist letter to company in XXXX including a dispute. I have also disputed this via XXXX  early XX/XX/2020. This was covered by XXXX XXXX and I was never billed for this amount by XXXX XXXX. Now I have a derogatory mark on my credit.
Product: Student loan

My Balance is XXXX Dollars, I have tried to get the Public Employee loan forgiveness and they stated I did not qualify, I am a state employee who brings home XXXX dollars a month, with Medical Bills and other bills it is hard to make ends meet, Plus they send Letters to My Elderly Parent 's Home which I do not reside at this gets them upset this is Harrassment on a new level and making calls to my parent 's home but Mailing them letters is un called for when they were not on my loan I am trying but it has been hard on me, I think a loan forgiveness would be appropriate since I was pressured in to this loan and was not given the opportunity to get a Federal Student Loan I had to file Bankruptsy 1.  Mailing Letters to Family Members is Violation 2. Calls all the Time Day and Night 3. not giving me a chance to get a Forgiveness 4.This seems to never end with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated y rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized charges were made to my credit card. They were reversed but charges remained that should have been reversed ie late charges and interest. The company has called me 4times and I have explained this to them and told them I would file suit if they turned this inacurate information into the credit bureau. The card has not been used by me in over 2 years. There is apparently still a balance due but it is not owed by me yet they turned it in to the credit bureaus.
Product: Credit reporting or other personal consumer reports

'FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim. Someone used my info at the XXXX. I need this info / collection removed please
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NOWXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a XXXX mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes XXXX, XXXX XXXX XXXX  ( Account # XXXX ) has violated my rights, XXXX XXXX XXXX  reported 3 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX XXXX XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX ) XXXX XXXX ) XXXX XXXX. XXXX ) XXXX XXXX XXXX. THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : XXXX ) DEFAMATION XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.