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 and closing accounts. This is regarding the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle plenty of times and reporting the problem, my financial institution and zelle failed to investigate my claims adequately. They informed me that reporting lost funds was impossible or helping me get my account back was impossible and tracking these transactions. This company not only neglected to protect costumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This raises concerns about or customers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 

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

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for Phoenix Financial reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : ( transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX. XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Mortgage

My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Debt collection

XXXX XXXX is billing me for an appointment I did not make but that a nurse scheduled for me.A no show appointment. I never was a patient of this XXXX but I called and spoke to a nurse about pain I was having and she suggested an XXXX but I was unaware that she scheduled one for me then I got a bill for no show. I have tried disputing this with XXXX XXXX and also XXXX.I was a patient of a different XXXX XXXX XXXX XXXX once you see any XXXX all your personal information is in their system. So she had access to my information and scheduled me an appointment without my consent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud, my social and id have been stolen and fraudulent accounts have been opened and cards used in my name. I have an FBI agent working on this case, along with XXXX XXXX. I have filed an FTC report because of all this. I will file a complaint with the Consumer finance protection bureau if these fraudulent accounts are not removed immediately and blocked. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, 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, 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 an 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: Vehicle loan or lease

I applied for a car loan through Hyundai with XXXX XXXX and signed all paperwork and paid my deposit for one month car note lease payment and then the next day was told I was denied and to put it in my own name not my business which it was for my business and I was approved and then they never gave me the car and my credit is good and I already have a lease with them That was ending.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I would like to submit a complaint against XXXX XXXX XXXX due to selling my Personal Information to a third-party agency without my consent. This clearly violates the FCRA Section 623 ( e ), which violates my consumer law rights. I recently pulled my credit report and noticed that several inaccuracies raise major concerns. I was recently served and threatened to be sued by the original creditor. Could you please look into this and provide a cease and desist, to stop the unlawful suit filed against me and remove the negative/erroneous remark from my credit report? 

I greatly appreciate you investigating this matter. I have attached a copy of my XXXX XXXX Report and Scores which reflect the inaccuracies being reported by the Original Creditor to the Credit Bureaus. 

Thank you.
Product: Mortgage

Mr. Cooper contacted us multiple times to offer to refinance our mortgage. The home advisor reviewed our credit history and guaranteed that we would have no problem refinancing our loan. After paying to have our house appraised, we were already on underwriting when the company contacted us saying that the refinancing would not be possible. We have contacted Mr. Cooper and the home advisor multiple times and they have refused to refund the amount we paid for the house appraisal and have not offered any solution to this issue. The house appraised for more than expected. We paid {$620.00} on XX/XX/2021 and we have been back and forth with them since the summer. We have been Mr. Cooper 's clients for years and did not expect to be treated so poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XXXX of XXXX  and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Product: Credit reporting or other personal consumer reports

Dear [ Credit Bureau Representative ], I am writing to formally request the removal of fraudulent accounts, credit inquiries, and incorrect personal information from my credit report, as I am a victim of identity theft. My Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ) has been submitted, and under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information immediately blocked and permanently removed from my credit file. 

Fraudulent Accounts to Be Deleted 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 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 Fraudulent or Incorrect Personal Information to Be Removed : Fraudulent Names : Incorrect Name Listed : XXXX XXXX XXXX XXXX This is not my correct legal name ) Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Fraudulent Address I have never lived here ) Fraudulent Employers : Business Income, Self-Employed ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXXXXXX XXXX  ( Fraudulent XXXX have never been employed here ) Fraudulent Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX XXXX Copy of my government-issued ID Proof of address ( Utility bill or bank statement ) According to FCRA Section 605B, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving a valid identity theft request. If these items are not removed, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Please confirm in writing once the requested deletions have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is being reported on my credit file in which never took place, when I contacted the courts they have no record of this. After filing a dispute with the credit reporting agency the almost immediately reply with stating the investigation was complete and found no error.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the removal of incorrect accounts from my credit report, in my understanding. Could you look over the documents? There are discrepancies in the reporting, amounts, and dates for some accounts.
Product: Student loan

I made a payment to Aidvantage for roughly {$5000.00} to pay off my loan balance. Upon reviewing my account, I noticed that they charged my bank account twice and have almost {$10000.00} taken out of my account. 

I have called several times to get my money back and each time I get a different response from a different call center represenative and different manager. Managers : XXXX XXXX and XXXX XXXX have been extremely disrespectful and unwilling to help in the manner. 

I was told the money would be back in the account in a week. Then a different manager said it could take 30 days. Now, I am being told it can take 8-12 weeks by XXXX XXXX . I feel hopeless and taken advantage of. 

If you look at reviews of their company, they have done this to several other people.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against XXXX, Equifax and XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.

On [ 1-2 2024 ], I notified [ Light stream ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX, Equifax and XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax and XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed XXXX, Equifax and XXXX
Product: Credit card

On or around XX/XX/XXXX I closed my Chase Preferred credit card ending XXXX. At this time, I asked for my annual fee to be refunded that I had previously paid, which was {$95.00}. When I spoke with the rep on this date, the rep stated I would need to call back in 1 month to receive my money. I stated this seems odd, given I could see the credit adjustment on my Chase app account and that I should receive the check within a week or so. 

On or around XX/XX/XXXX, I spoke to another Chase rep from the XXXX asking to have my credit balance of {$95.00} refunded to me in the form of a check. That rep stated that they would have to research my previous call to verify if that was stated by the prior rep. And that Chase would call me back within 2-3 business days alerting me the outcome of my escalation ( I also asked that they log this as a Complaint in their system of record ). Additionally, they sent me a letter on XX/XX/XXXX stating my account has been credited, however no further check was sent to refund me my money. 

On XX/XX/XXXX, I called back to Chase, asked for a XXXX XXXX XXXX and ended up being transferred to a rep overseas in the XXXX. At this time, the rep confirmed I am owed {$95.00} and that she would begin to process the check. I was confused because I was promised this previously. The rep stated it would take 7-10 business days for the check to arrive, but I then stated I'd like it overnighted due to the delays. 
At this point I believe Chase is withholding my money and I would like my funds immediately plus Time Value of Money and additional compensation for the inconvenience so that they may learn from their servicing errors.
Product: Student loan

I applied to AES ( American Education Service ) for Covid-19 relief and was told that my two federal loans were not eligible for interest free forbearance as stated by the CARES act as signed into law by President Trump. 
I noticed primarily that in order top even apply, I had to spend over a half hour just to find the application page ; furthermore, the forbearance was only applicable for 3 months instead of 6 as the relief act states. 
I called and asked about the issues and was told that : 1 ) my loans were not eligible for the 6 month forbearance ( I have 2 federal loans listed ) 2 ) also, my interest during forbearance would continue to accrue during this period and just that the interest would not be capitalized at the end of the forbearance. 

I don't believe that is intent of the Covid-19 relief act and honestly is not really relief. I know others whos servicers are doing completely opposite with the same type loan which is no payment until XXXX and no interest during this time. 

Please look into auditing and addressing this with AES as they are not obeying Presidential mandate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month. 
They never told me that I have to pay it at the end of the 6 month in full. 
For my surprise they do call me at the mid XXXX XXXX telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently found out my personal information was exposed in a breach. That exposure led to my information being used to open fraudulent accounts under my name. These are the accounts opened. XXXX credit cards. " XXXX '' opened on XX/XX/XXXX with a credit balance of {$XXXX}. " XXXX '' opened on XX/XX/XXXX with a credit balance of {$XXXX} but a credit limit of {$XXXX}. XXXX inquiries. " XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  XXXX  '' inquired on XX/XX/XXXX. " XXXX XXXX '' inquired on XX/XX/XXXX. " XXXX '' inquired on XX/XX/XXXX. " XXXX XXXX NA '' inquired on XX/XX/XXXX. " XXXX XXXX XXXX  '' inquired on XX/XX/XXXX.