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

I am writing to formally express my concerns regarding Zelle 's 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 adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns About consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested several accounts to be removed due to them being charged off. 
Nothing was done.
Product: Mortgage

I was getting quotes for a refi 30 yr fixed. Rocket Mortgage, gave me rates after collecting almost everything they can dig out from me, including the XXXX. Then they asked for a credit card to pay for a good faith deposit, which included a credit check and apprailsal fees. They have not sent me a Loan Estimate yet. I asked for it via email and they only would respond via a phone call. 

Is this the correct process?
Product: Checking or savings account

On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I walked into a Right Way Auto dealership looking around for a car not wanting to run my credit score at all and i explained that to them before I stepped inside the dealership the sales man there XXXX XXXX told me they had a big inventory and would have what Im looking for in explained i was looking for a vehicle first and wasnt trying to run any hard pulls on my credit score at all at which he took me into his office and then proceeded to run a hard pull XXXX times destroying my score at the moment making me look desperate when I was just looking around for a vehicle that would interest me then talked down on me and said there was nothing I would be able to do about it.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

In accordance with the Fair Credit Reporting act XXXXXXXX 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 a account without my written instructions
Product: Debt collection

XXXX JPMCB - CARD SERVICES ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$6000.00} Account Status CHARGE_OFF Available Credit Charge off is considered a certificate of indebtness and must be removed Violation 15 USC 1691, 15 USC 6802, 15 USC 6802, and Privacy Right of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX is reporting without my consent wrong information XXXX XXXX XXXX XXXX XXXX was open fraudulently I sent several disputes
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Experian sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF 1974 LAW. Instead of Experian removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX. The addresses that follow do not belong to me, XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Washington, DC XXXX
Product: Student loan

Mohela was my loan servicer for several years until XX/XX/XXXX/XX/XX/XXXX when I transferred to XXXX in anticipation of XXXX day filing for the XXXX XXXX ( PSLFP ). Upon reviewing my payment history with XXXX, I learned that Mohela had failed to put me on a standard ( " level '' ) PSLFP eligible XXXX repayment program in the summer of XXXX. This was despite the fact that I specified clearly in telephone calls with them that this was what I wanted and despite the fact that I had been only on other PSLFP eligible payment plans prior. Instead, Mohela, without my knowledge and understanding, apparently put me on a standard XXXX plan, which I did not realize until recently. ( This also begs the question - why would I want a XXXX month plan? ) As a result, XXXX informed me that none of the payments I had made since XX/XX/XXXX would likely count as qualifying payments for purposes of the PSLFP, since only XXXX term standard level payments plans qualify, in addition to XXXX, XXXX, and Pay As You Earn plans. 

In addition, at the same time ( summer XXXX ), Mohela failed to inform me that I was eligible for a payment plan with lower monthly payments ( either the Income Contingent Repayment plan or the amended Pay as You Earn plan ). This was despite the fact that I clearly specified in telephone calls with them that I wanted the PSLFP-eligible payment plan with the lowest monthly payments. Again, I only learned that a payment plan costing less per month should have been available to me once I was switched to XXXX. I estimate that this error on Mohela 's part cost me over {$3500.00} over the course of XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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: Debt collection

I request the removal of this account from my credit report, as the original creditorXXXX XXXX, transferred my account to CREDIT COLL, a collection agency, without providing proper notification. This action clearly violates my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these accounts on my credit report once again. As I previously mentioned, I am a victim of identity theft, and these fraudulent accounts were opened without my knowledge. I have already sent the necessary FTC report to the companies, and they have confirmed the fraud and removed the account. However, I have noticed that your bureau continues to report these accounts, despite its removal by the other credit bureaus. As a credit bureau, you are legally required to ensure that your records are accurate and up-to-date. By not removing these fraudulent accounts, you are not complying with the law and are putting me at further risk. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made many attempts to make payments to my mortgage company. However, there is such a long hold time during business hours that I can not stay on hold while at work. I risk losing my job. When I am finally able to get ahold of the company to take my payment, they REFUSE to take it. They tell me I have to pay with certified funds the full amount to be current. I have the full amount, but can not pay them in certified funds via XXXX XXXX as they demand because Guild Mortgage only allows for payments up to XXXX via XXXX XXXX. I'm also unable to access cash. I offered to do an ACH, wire transfer, or even electronic check. They refused all funds except cash, which is impossible. Since when can a mortgage company refuse payment? I've never had a payment returned. They won't allow you to make payments online after hours if you're even one day late. They remove your ability to do so. This lender knows that the value of my house surpasses the mortgage by 200 % so I believe they're trying to force me into foreclosure. These predatory practices after covid are far more prevalent than people think they are. Guild Mortgage refuses to take payments in full from borrowers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
The details of the disputed account are as follows : Creditor Name XXXX XXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter.

2. Remove this fraudulent collection account from my credit report immediately.

3. Cease all collection activities related to this account.

4. Provide written confirmation that the account has been removed from my credit report.

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly.

Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed.

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts UndeXXXX 15 U.S.C. 1681c-2 (  a ). 
Dear Equifax, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block and delete all accounts, inquiries, and any other fraudulent information resulting from this identity theft from my credit file.
Product: Debt collection

They contacted my landlord asking for personal information such as my address, phone number, and employer information
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF EDXXXX. Posted XXXX on Experian Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to completely remove the XXXX collections which were incorrectly placed on my credit file. I've had to initiate several disputes against the collections and while no single dispute exceeded thirty days, in aggregate it's been more than thirty days for what is essentially the same issue by the same collection agency which Experian has failed to properly handle.
Product: Money transfer, virtual currency, or money service

I sent XXXX 's friend to XXXX {$500.00} a month ago, but he can't get it. I need a number to return them. My friend can't get money. He gets the message : transaction rejected. It used to be easier when I called and they gave me a number for a return receipt, since I paid in cash. I have not been able to get my money back from Western Union for a month.
Product: Credit reporting or other personal consumer reports

I have previously submitted a letter urging you to reevaluate the contested accounts on my credit report and to ensure that these accounts are appropriately updated during the investigation process. Regrettably, to date, I have not received a response to my request. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.