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

PayPal holding my money for 180 days the amount is {$990.00} I reached out numerous of times they keep giving me the run around they I said I owed them {$100.00} I paid it I give them all information they needed
Product: Debt collection

This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX D2 Management, XXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my XXXX, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is Discoverer 's Day and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from D2 Management - Ive never even heard of D2 Management OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the hospital ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

bill was put on credit report, causing loss, financial hardship and denial of credit
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Checking or savings account

I filed a claim with Wells Fargo, my bank, to report fraudulent charges totaling {$18000.00}. 

My money was stolen on XX/XX/year>2024 when I was XXXX  & robbed in XXXX, XXXX. I am attaching the evidence ( police report, hospital bill, email communications with XXXX 's Attorney General 's office etc. ) to the 'attach documents ' section. 

My parents ( who have access to my personal account ) filed the first claim on XX/XX/XXXX when they were made aware of what happened. I was still in the hospital at this time. 

I then filed the next claim via phone on my XXXX  account ( where most of my funds were stolen from ) on XX/XX/XXXX, after I arrived back in the US. 

Unfortunately I saw that Wells Fargo decided to deny all of my claims, saying they've determined that no fraud occurred. 

Obviously this is very unfair, incorrect and a violation of my trust in them as my bank and of their own 'zero liability protection ' policy.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX . UCC 1-308
Product: Mortgage

XXXX sold off thier mortages to Rushmore Loan Mgt services XX/XX/XXXX. In XXXX i complain by phone after they raise the escrow without notification. I considered the calcs wrong. Sent emails in XXXX same complaint. Called XXXX for two things to complain about no action and also that preseent home insurer XXXX will be replaced by XXXX In dec. Wrote a email XXXX or XXXX to complain about lack of customer service, no return calls and lack of action. On XX/XX/XXXX unknown to me they payed XXXX before due date. Only found out after i look in XXXX after XXXX  submitted thier bill. Wrote another email to inform them they paid the wrong insurance company. XX/XX/XXXX my XXXX was showing 30 days overdue. Again i wrote thier need to correct thier mistake. They finally paid XXXX at the end of XX/XX/XXXX or beginning of XX/XX/XXXX not sure presently. But they refuse to correct thier mistake which is over XXXX dollars to my escrow. Basiclly sent me a form letter on XXXX, XXXX, which is postmarked XX/XX/XXXX and recieved by me XXXX where they state this is my fault completely and obiviously my escrow is now missing money and short which they expect me to pay for. 
They violated std escrow law where they have to notify of changes which i have the right to address at the moment. Second they violated fudiciary respondsibility by using MY money to purchase unauthorized insurance thus having me pay for two different home policies which is also against the law. I look at that unauthorized use of my money as theft which is a felony. Thier refusal to except fudiciary respondsibilty, lack of proper supervision of my account and lack of proper customer service has lead to months of distress on our part. My plan is to also notifify the states of Illinois and California of thier complete lack of fudiciary respondsibility. Plus if needed we plan on turning this over for legal action to the proper authorities and lawyer. You will also find out NEVER, again Never have had any problems with this in over 20 years, only after they took over. Also Im not even required to have a escrow since over 65 % of my loan is paid. This company needs to be held accountable for a complete lack of accountablity. The escrow account is my money not thiers
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 neglected to protect consumers and 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: Student loan

I had two private student loans with Discover Bank. My XXXX XXXX XXXX XXXX, so there was no minimum payment given even though it was in repayment status. I continued paying the amount that I was paying before XXXX XXXX XXXX XXXX XXXX {$450.00}. In late XXXX XXXX ( I believe ) I noticed on my student loan portal that one of my accounts was in charged off status. I called Discover to get information on why it was in charged off status since I have made the payment every month since XXXX XXXX XXXX XXXXXXXX. I was informed that it was a mistake on their end since it had been charged off since XXXX, but I explained that wasnt possible since I was XXXX XXXX XXXX during that time. The representative I spoke to said she would call me back within 30 days after it was fixed. 

Fast forward to now, my loans have been transferred to a new servicer XXXX. The loan that had the issue was not transferred over to the new servicer, so I am unable to make the monthly payments. I have not heard anything from the customer service representative at Discover and it has been well over 30 days.
Product: Vehicle loan or lease

On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.

On XX/XX/2018 I called XXXX  to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.
Product: Debt collection

Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
Product: Money transfer, virtual currency, or money service

Hi sir/Madam, I have deposited XXXX XXXX coin from my XXXX origin XXXX XXXX to coinbase account, but still now it was not received to my coinbase account, iam loosing my amount due to this, I used correct address and memo number to transfer it, so i not made any mistake, i have checked twice before sending it, I have attached my transaction details for your review, Regards, XXXX
Product: Debt collection

Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.
Product: Checking or savings account

I received an email about a card being shipped out to me but I didnt order card. I called chase bank about the email and he basically said that it was system generated and everything is okay. Few days later I check my account and money was missing, I called the bank and filed a claim about the missing money. They credited me the money but took it back because they said the transaction was authorized and it resulted in my account being overdrawn. They wont give me my money back
Product: Credit reporting or other personal consumer reports

Firstly, I want to stress the vital importance of adhering to FCRA Section 602 ( 15 USC 1681 section 602a ), which underscores the duty of consumer reporting agencies to maintain fairness, impartiality, and an unwavering commitment to safeguarding consumer privacy. Additionally, I firmly assert my rights guaranteed under 15 USC 6801, which ensure that my personal information is protected by financial institutions acting as suppliers of data to credit agencies. I have expressed directly to these companies that I would not like my non-public information shared.

My primary concern revolves around the sharing of my information without explicit written consent. FCRA Section 604a ( 2 ) explicitly dictates that consumer reporting agencies are only authorized to provide reports upon receiving written instructions from the consumer. I do not believe I have given any consent to share my personal information and I hereby retract any implicit or verbal consent previously extended to entities like XXXX, XXXX, Transunion or other information furnishers to credit agencies. 

The reporting of adverse items without proper authorization is deeply troubling. According to 15 USC 1681C ( a ) ( 5 ), it's explicitly prohibited to report adverse information without explicit permission. It seems this regulation might have been violated, necessitating immediate attention and corrective action. Evidence of multiple items that are marked derogatory. 

Moreover, the breaches of reporting laws outlined in 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e cast significant doubts on reporting agencies ability to uphold reasonable procedures. These infractions severely undermine the trust and confidence that should be placed in the accuracy and integrity of reported information. 

Lastly, I formally exercise my right to opt out of your reporting services here with CFPB as witness, as provided by 12 CFR 1016.7. It's imperative that my opt-out request is promptly acknowledged and actioned upon with the immediate removal and deletion of all stored data involving XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan that my wife took from NAVIENT while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and NAVIENT tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The XXXX Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
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. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. 
Due to this incident, several fraudulent accounts have been opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Experian about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a funding to start my own business but my credit is making the process a lot harder.
Product: Mortgage

UWM Mortgage did not lawfully obtain my consent in accordance with the GLBA to share my information with third parties including but not limited to any Consumer Reporting Agencies. UWM has reported private financial information about the consumer to third parties including but not limited to Consumer Reporting Agencies without lawful authority resulting in the breaching the herein mentioned contract.

Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA A company may not share any of my personally identifiable financial information aka non-public personal information unless you have provided me with a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.

These actions are depriving me of my right to privacy, and my right to contract. In addition to credit extension deprivation, I have also suffered a substantial loss in wages. I was denied a Direct plus loan to pay for my daughter to attend college.