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 despuites particularly in light of the recent CFPB law suit highlight significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering my lost funds was imposible and that tracking these transactions was infeasible.
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 NUMBER : 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 : XXXX XXXX XXXX Account number:XXXX 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 Equifax 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, so I require you to send me all the documentation to prove that this information is accurate. 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: Debt collection

I have not done business w ith LVNV funding. I do not have a signed contract not any contract with LVNV funding. I have the right to demand to see a signed contract between LVNV funding and  myself.
Product: Mortgage

I am getting messages from Sn Servicing that Im unable to make online payments. When you contact their XXXX number you get no assistance but to leave a message and no one calls you back. I was able to make my payment online to them last month and now Im not able too. For some reason Im being blocked. I am also paying more on my mortgage amount not escrow amount that I originally signed for when my mortgage was done back in 2004. Im also being told I owe payments which were made but prior servicing company isnt reporting those payments at all.
Product: Credit reporting or other personal consumer reports

The Citizen Pay Line Account reported on my credit report does not belong to me. I would like the unverifiable hard inaccurate inquiry removed from all three credit bureaus. I never received closure documentation from XXXX  nor was any payments included.
Product: Credit card

Citibank XXXX credit card claims as XXXX of its XXXX Benefits " XXXX car Rental Insurance ''. It says : " You can be covered against theft or damage up to {$100000.00} for any rental car in any country. Just use your Citi card and decline the rental company 's loss/damage insurance ''. 
In XXXX 2016 I rented car from XXXX in XXXX XXXX. The car got broken into. XXXX passenger side windows were broken. My credit card was charged {$400.00}. I made a claim to Citibank. Sent them all the information as requested by e-mail. Received XXXX e-mail confirmations that they received the documents. 
Today is XXXX XXXX. Two days shy of 1 month. 
I have heard nothing. I have called them three times. They just say that they are working on it. This is a SCAM. I regret NOT getting XXXX insurance. 
Citi should NOT lie about providing a benefit. 
Thank you.
Product: Mortgage

In accordance to the National Ocwen Settlement agreement, Ocwen is to provide borrower a copies of any assignments of mortgage or deed of trust required to demonstrate the right to foreclosure. Ocwen has once again commenced foreclosure on our home without providing us the requested copies of assignments of mortgage or deed of trust. According to the National Ocwen Settlement agreement, Ocwen shall send borrowers a statement setting forth facts supporting Servicer 's or holder 's right to foreclose and containing the information required in paragraphs XXXX ( items available upon borrower request ), XXXX ( account statement XXXX, XXXX and XXXX ( ownership statement ), and XXXX ( loss mitigation statement ) herein. Servicer shall send this statement to the borrower in XXXX or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. Ocwen has posted our home for foreclosure without providing the requested documents before posting our home for foreclosure.
Product: Debt collection

i sold my XXXX XXXX license plate XXXX in XX/XX/XXXX to a XXXX XXXX XXXX. he bought motorcycle and promised to finish release of liability when i insisted i would. he broke down and left vehicle on freeway by XXXX, ca where he left it stranded. this was not my responsibility to pay a tow fine that i didn't incur. i have photo of pink slip before i handed it to him with his information. i trusted him and this is not on me. now this issue from the tow company creditor called XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX. REFERENCE # XXXX BALANCE {$2200.00} -- XXXX. THEY TRIED TO SELL THE CASE TO A COLLECTIONS AGENCY THAT THREATENED ME AND MY LIVELY HOOD BY THREATENING TO DESTROY MY CREDIT. I WANT TO SUE THEM. THE COMPANY IS CALLED CONRAD CREDIT CORPORATION '' XXXX, CA. THIS IS A SCAM AND I KNOW IN MY HEART THIS IS NOT MY FAULT. IM A VICTIM OF A TRUE HUSTLE BY COLLECTION AGENCIES. THIS VERY TOPIC IS BEING DISCUSSED IN THE WHITE HOUSE BECAUSE PEOPLE ARE GETTING TAKEN ADVANTAGE OF BY COLLECTIONS, TOW COMPANIES, ETC. PLEASE HELP ME I GOT PLENTY EVIDENCE OF MY CONVERSATION WITH THE THREATENING COLLECTION COMPANY CALLED CONRAD. I HAVE PROOF
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2019 a call was initiated to LENDING CLUB due you to possible fraud activity. I spoke with several representatives XXXX XXXX, XXXX XXXX @ Ext : XXXX, Who were combative and failed to properly assist my concerns in reference to my account with LENDING CLUB. I was transferred then to another employee with LENDING CLUB by the name of XXXX XXXX who stated he is a supervisor in the payment solutions department. XXXX This complaint is to make notice of deceptive practices and unethical collecting this company has performed today. XXXX XXXX the supervisor admitted they documented wrong details pertaining to my account & admit to a breach of agreement took place on XX/XX/2019 and XXXX XXXX, 2019 ... Where multiple payments in the total of XXXX not even including over draft fees was withdrawn from my bank account without notice and without my consent by an employee by the name XXXX. The abuse of practice is a direct violation of the F.D.C.P.A Regulations Due to the errors made by LENDING CLUB it has adversely affected my credit report and impeding on my ability to obtain necessary credit. Time is of the essence so I expect your compliance of my request by the rules according to the FCRA Thank you for indicating your intention with resolving this matter
Product: Credit reporting or other personal consumer reports

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 Dear Sir/Madam, I am writing to request the removal of a collection account listed by XXXX XXXX XXXXXXXX from my credit reports with XXXX, XXXX, and Equifax. The account in question has been removed from my XXXX credit report, and I am requesting that you take the necessary steps to ensure it is also removed from your records. 

Here are the details of the account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX Date Opened : XX/XX/XXXX Date Reported to [ Experian/TransUnion/Equifax ] XXXX XX/XX/XXXX XXXX per the Fair Credit Reporting Act, I am entitled to request that incorrect or outdated information be removed from my credit report. Since this account has been removed from my XXXX report, I believe it is appropriate for it to be removed from your reports as well. 

I kindly ask that you investigate this matter and delete the account from my credit file. Please notify me in writing once this action has been taken. I have attached a copy of my XXXX credit report that reflects the deletion of this account for your reference. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

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

There are XXXX addresses that are not correct and XXXX accounts with wrong information and dates and amounts that are wrong
Product: Credit card or prepaid card

Applied for a Wells Fargo Business Credit Card. Since the Card processing representative was not able to speak or understand my English, and their behavior over phone was not acceptable, I asked to close the application. 

They have send a letter stating " application is denied due to Amount of credit requested combined with existing debt is too high related to stated household income ) ''. 

Bank and its employees can not punish me for their inability to talk to a customer.
Product: Debt collection

TO WAYPOINT RESOURCE GROUP. YOU HAVE REPORTED A COLLECTION ON MY CREDIT REPORT THAT IS UKNOWN AND UNVERIFIED. IT IS SHOWING A BALANCE {$350.00}. SINCE IT HAS NOT BEEN VALIDATED, VERIFIED AND JUST PLACED ON MY CONSUMER REPORT LIKE THIS, YOU HAVE VIOLATED SEVERLA LAWS. YOU ARE IN VIOLATION OF FCRA AND THE FDCPA LAWS AT THE SAME TIME. YOU HAVE 1 DAY TO REMOVE THIS ACCOUNT WHEN I SEND THIS THROUGH THE CFPB, OR I WILL BE SEEKING XXXX PER VIOLATION. I AM ALSO GOING TO SEND ANOTHER COMPAINT SEEKING FOR DAMAGES THROUTH THIS PORTAL. AND I WILL BE SEEKING COMPENSATION FOR IT BEING REPORTED ON MY CONSUMER REPORT. PLEASE SEND ME A CHECK FOR {$1000.00} TO THE ADDRESS LISTED AND IN MY NAME. IF YOU DO NOT SEND ME MY CHECK AND KEEP REPORTING THE ACCOUNT AFTER XX/XX/year>. I WILL BE SEEKING FOR DAMAGES FOR MORE COMPENSATION THAN THE {$1000.00} THAT WAS REQUESTED. YOUR COMPANY WAYPOITNT WILL PROPTLY SEND MY CHECK WITHIN 2 WEEKS FROM TODAY AND DELETE THE ACCOUNT. IF I DO NOT GET AN ANSWER THE DAY YOU RECIEVE THIS ON THE DELETION AND THE CHECK I WILL PROCEED WITH ACTION FOR MY REMEDY. IF YOU ARE COLLECTING FOR SOMEONE ILL BE TAKING LEGAL ACTION AGAINST WAYPOINT RESOURCE BECAUSE YOU ARE THE ONE THAT IS REPORTING THE ACCOUNT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

Upon review of my consumer reports XX/XX/year>, I noticed that there was an account furnished by XXXX XXXX on my consumer reports. The accounts are being reported to EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to ensure that they receive my notice and respond with a comprehensive reinvestigation. My notices of disputes have been ignored by other companies and that in itself is time consuming having to send an additional letter out. I want the multiple accounts reinvestigated.
Product: Debt collection

I believe the account is invalid. CREDIT COLLECTION SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT COLL XXXX
Product: Credit reporting

Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XX/XX/XXXX XXXX ], [ XX/XX/XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ] are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachments below.
Product: Checking or savings account

On XX/XX/ Me and my father walked into our local Chase Bank, my father, being elderly, had a hard time opening a bank account under his name due to not having a properly updated driver 's licenshow. My father, who just recently came into a settlement check after a lawsuit My father endorsed the check to that I made deposited into my checking account. My father provided all necessary documentation. Proving who he says he is, he brought his social security and his Birth Certificate to the local Chase branch. The check was for $ XXXX The check was deposited. No problem for them to now turn around and say that they need a verified number after my father. Already provided necessary information as required by the user deposit agreement on chases website. And now Chase refuses to help me. 
With this issue. I've already made a complaint to the o CC and I'm still waiting to hear back from them. This is my father 's money. He's elderly. He doesn't have a job. He will needs this money. And I just don't know what to do.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 a fraudulent account reported on all 3 credit reports that I had no knowledge of. Im a victim of identity theft and Im submitting the documents to have all accounts blocked off my credit reports and also stop XXXX XXXX XXXX  for attempting to collect a debt
Product: Credit reporting or other personal consumer reports

I requested that Equifax send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There is currently one ( 1 ) collection account showing on my report : XXXX. XXXX XXXX XXXX XXXX I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN XXXX XXXX XXXX obtained this account from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that this collection company is licensed to collect in my state, with XXXX XXXX XXXX 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.
Product: Credit reporting or other personal consumer reports

I am listing fraudulent inquiry from my Transunion Credit Report. XXXX  XXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from Credit Report.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit card or prepaid card

The card ( Synchrony Bank ( DBA - CareCredit ) ) was charged for a XXXX  procedure ( XXXX XXXX XXXX XXXX ( DBA - XXXX XXXX ) ) about a week in advance of the planned procedure. 3 days before the procedure the appointment was canceled because the XXXX  provider admitted they had over charged me ( {$2400.00} but it should have been {$1100.00} ) on the estimate and said they would fix it but still charged the full, incorrect amount to the charge account. Contacted the charge company by phone and spoke to a woman about getting the charges removed since I had canceled the procedure and the charges were in the wrong amount anyway. She laughed and said I had to wait at least 7 days. After 2 weeks I contacted the charge company again through online chat requesting that the invalid charge for services I never received be removed. Was told it could take up to 45 Days and I would need to pay the interest on the charges even though the charge amount was wrong and the charges themselves at all were for services I never received. The charge company is failing to remove these now fraudulent charges and are trying to put the responsibility on me for recovering their funds.
Product: Credit reporting or other personal consumer reports

I requested the inaccurate information to be deleted of my credit report. XXXX responded that the disputed information has been verified and updated. In addition, the creditor didn't respond to my request for the validation of debt request on at least two occasions.

See attached!