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

I am writing to formally express my concerns for Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number:XXXX
Product: Student loan

I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.
Product: Mortgage

In its response, Wells Fargo claims there is no problem with what they did and it 's all fine. That is not true. 

Paragraph 4 of the Note ( contract ) states that a prepayment which is to be applied to principal only can only occur when I tell the Noteholder [ Wells Fargo ] in  writing that I am doing so. I did not make such written instructions and Well Fargo admits this. Therefore the XXXX XXXX payment could not be a principal only payment and should have been credited as a regular monthly payment. 

Nothing in the Note ( contract ) prohibits me from making a payment early, as I did by paying for the month of XXXX in late XXXX ( XXXX XXXX payment ). If there was ANY confusion as to what this was for, Wells Fargo should have contacted me, but they did not. Indeed, the simple text of the Note ( a contract ) states that Wells Fargo will apply payments to interest before principal. This is stated in paragraph 3 of the Note, a written contract between the parties. 

Yet, in its XXXX XXXX, XXXX letter Wells Fargo states that it applied [ the XXXX XXXX payment ] to the principle balance ( p. 2 of its letter, middle of page ) and did not credit it to my account as it should have done. Wells Fargo violated our contract, and attempted to collect a late fee. I would like to know how many other consumers have suffered from such illegal actions by Wells Fargo.
Wells Fargo claims at the end of p. 2 of its letter that it handled my account appropriately, yet this is manifestly untrue as Wells Fargo violated the Note contract, and the CFPB should take enforcement action to ensure that Wells Fargo does not repeat such mischief. 

see XXXX which you closed without allowing me to reply!!
Product: Mortgage

On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.
Product: Credit reporting or other personal consumer reports

This account is outdated and should be removed from my credit report. The date of first delinquency was reported as XX/XX/XXXX, and the creditor has not reported on the account since XX/XX/XXXX.
Product: Student loan

Payments are applied incorrectly, going to interest not principle. Additionally, the website is incredibly deceptive with the information it provides to borrowers. It is difficult to find out any information.
Product: Credit reporting or other personal consumer reports

On XX/XX/22, I discovered that RESERGENT CAPITAL SERVICES conducted an unauthorized soft inquiry on my credit report without my consent or a permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

I did not apply for any credit or services from XXXX XXXX XXXX, nor did I authorize them to access my credit report in any manner, including through a soft inquiry. Under the FCRA, a company may only obtain a consumers credit report for specific purposes, such as when the consumer applies for credit or if they have a legitimate business need related to a transaction initiated by the consumer. XXXX XXXX XXXX did not meet any of these criteria, and therefore, this inquiry constitutes a violation of my rights under the FCRA. 

While this was a soft inquiry and did not directly impact my credit score, the unauthorized access to my private credit information is a violation of federal law and an infringement on my privacy. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : This section of the FCRA outlines the permissible purposes for which a company can access a consumers credit report. The law specifies that a credit report, even for soft inquiries, can only be obtained for certain legitimate purposes. 
15 U.S.C. 1681n : This section provides for statutory damages of up to {$1000.00} per violation for willful non-compliance with the FCRA, even if no actual damage occurred.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting

I got an alert today from XXXX about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
Product: Credit reporting or other personal consumer reports

The company sent me a letter stating that the attached account would be removed from my credit report and its still not removed. I want XXXX act # XXXX removed from my report within 72 hours of receiving this complaint. All documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXXXX/XX/XXXXan validation letter so they sent me a copy of my contract. From the contract Experian, XX/XX/XXXX and XX/XX/XXXXhas been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things on my credit report.
Product: Debt collection

I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.
Product: Checking or savings account

XX/XX/XXXX {$3600.00} from my XXXX Checking Account. Chime stated that I violated the Deposit Account Agreement max daily limit of {$1000.00} a day or {$30000.00} max limit in a single month. I made a haste decision to transfer it to chime because I was excited to use the credit check and articles and other features it had on the app. The transfer was done on my external account feature on XXXX. I made a call with them for more than a couple of hours since they are open XXXX for customer support. I sent my drivers license, passport, and even my social security card on the secured web link from their email more than 10 times. The only way to receive the final decision of my case is by emailing XXXX or XXXX. On XX/XX/XXXX I was finally denied of a refund back to my XXXX account. It states the same result consecutively from XX/XX/XXXX to XX/XX/XXXX that my bill statement was also never received. I sent it by email and also the secure link more that 5 times. I believe the bank is playing with my money even if I made an honest mistake on transferring the funds over 3 times and a half limit of the daily limit.
Product: Credit card

My XXXX Credit Card was used unauthorizedly. I disputed the charges, and they were all denied. I contacted the merchant and requested information. I received the information and provided it to XXXX Credit Card support. The information shows that the orders were shipped to a California address and to a person called XXXX XXXX. My name is XXXX XXXX XXXX, and I live in XXXX XXXX, XXXX Despite the information I provided, my numerous claims were still denied, the credit was reversed, and I was deemed responsible for the charges. Also, my credit card account was closed due to the chargebacks. 

I have attached the information with this complaint again along with my Nevada Driver License with the sensitive information white out. I hope XXXX Credit Card can review the information I provided and return the credit to my account and reinstate my credit card.
Product: Debt collection

Thus company, Monarch Recovery, has repeated called me. They are leaving voicemails threatening me, they've started calling my children and friends. I receive between 4 and 6 calls a day from these people. My daughter was called twice today by this company. They left a voice mail with her threatening me. I am being stalked and harassed by these people and it is ridiculous.
Product: Checking or savings account

At XXXX on Thursday XX/XX/21 received a call from a scammer that said they were from my bank, wells Fargo XXXX ( the number was from the actual wells Fargo customer service 800-number ) and wanted to let me know that there was an unusual charge on my account in the state of Ohio for {$440.00} and another for {$1500.00}. I said those were not my charges and were fradulent. This scammer asked me to verify my information like my SSN and even sent me a text with a XXXX digit code to confirm my phone number from the same text wells Fargo uses. They had all my banking information. Scammer continued to put me on hold to " start a claim '' for the fraudulent charges and put a stop on my debit card. As I am hold, i start receiving emails from wells Fargo that there begins to be activity on my accounts, such as a {$1500.00} cash advance from my wells Fargo platinum card account into my checking account. After XXXX minutes of being on hold,, The scammer returns and says they have canceled my debit card and they will be sending me another one and the " new activity '' is accounted for and will be reversed. I hung up thinking my debit card was stopped and the issue was over. The situation seemed weird to me, so I drove to an actual Wells Fargo branch and found out that it was a scam, and that my checking account and credit card account had been compromised. They had to close all my accounts and start an investigation. The scammers do have all of my personal information including birthdate, XXXX, phone number, and home address.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : DEPTEDXXXX # XXXX - Date Opened XXXX/XXXX/2017
Product: Mortgage

Hi, I obtained an FHA loan with NationStar Mortgage XX/XX/XXXX. My house value has increased dramatically and I have contacted the NationStar many times in regards to removal of my mortgage insurance. They have declined. The most recent request was XX/XX/XXXX and they declined again. I am hoping the CFPB can help me to resolve this issue as since I have this loan, I have never once being late for my payment.
Product: Credit reporting or other personal consumer reports

My dispute was improperly processed. The GM financial account is too old to be on my report and needs to be deleted. I provided the credit reporting agencies with proof that it was deleted. Instead of deleting the account they came back with some garbage nonsense. Saying we have determined the account is yours, and it has been updated. I didnt dispute ownership. I am disputing based on age. The account is over 10 years old as it was open in XX/XX/XXXX and the car was voluntarily surrendered and sold auction in XXXX. There is XXXX balance due it states it is paid and it needs to be deleted as we are in the 7 year mark. 
Also, please see the attached documentation, including, but not limited to proof of deletion, the metro two letter, And the most recent dispute results that are just absolute garbage. Additionally, I requested a 1099C from GM financial and they have refused to provide it to date
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Compliance Request Regarding Protection of Nonpublic Personal Information XXXX XXXX XXXX. XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter 94, Subchapter IDisclosure of Nonpublic Personal Information. As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information. In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information. I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly. Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. Thank you for your prompt and diligent attention to this important consumer protection matter. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Debt collection

I attended urgent care on XX/XX/XXXX for which I was charged {$70.00} and again on XX/XX/XXXX for which I was charged {$35.00}. The bills were only sent in the mail and I paid the first {$70.00} one. I moved addresses and was unable to pay the second due to never receiving the physical bill. Then I was sent to collections with ACEI where I received their bill on XX/XX/XXXX. When I called to pay on XXXX/XXXX/XXXX ( delayed due to being overseas ) I was told I owed {$35.00} for the visit on XX/XX/XXXX and {$70.00} for the visit on XX/XX/XXXX. I was confident Id paid the first so agreed to pay the second at {$70.00} on the phone reflected in my XXXX bank statement. I then contacted the urgent care to clarify the other payment which they confirmed I had paid and that I was overcharged as I only owed {$35.00} on the second bill. 

I sent this billing statement to ACEI and received no response so called them multiple times. XXXX XXXX got aggressive with me on the phone and repeatedly hung up when I attempted to explain the situation. When she finally listened long enough on a call on XX/XX/XXXX she confirmed they did owe money back and a check would arrive within 30 days. It has now been over XXXX and the check never arrived. I will be moving out of state soon and when I attempted to call the past few days they have either not returned messages, dropped my calls intentionally, or XXXX XXXX has again hung up on me. It is a small sum and I just want to be paid back for the overcharge without having to bother in court which I will do if this continues.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear CREDIT COLLECTION SERVIC, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : XXXX. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt. 
XXXX. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report. 
XXXX. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated. 
o Copies of all documents bearing my signature that establish a contractual obligation for this debt. 
XXXX. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state. 
Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response.