23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$8200.00}. 
XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802 : 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. 

In accordance with the Fair Credit Reporting Act, your consumer reporting agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Your consumer reporting agency has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate and incomplete fraudulent information or information can not be verified, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and privacy.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

From my FNB online banking account, I sent {$250.00} dollars to my daughter 's account at XXXX through XXXX. Transaction overview in my FNB bank account states that {$250.00} is withdrawn from my account and my daughter received a confirmation email from XXXX that I sent {$250.00} and that this money will be available in her account within 3 business days. However, she was never able to get the payment because it has been months since she closed her XXXX account. I was not aware of this. XXXX 's policy is that they return the payment to the original account if the recipient 's account does not exist. 

However, the money never came back to my account and my daughter has not received it in any of her accounts either. 

We contacted XXXX, XXXX, and FNB. My daughter called XXXX and talked to three different representatives. XXXX said they can not track this down because she doesn't have an account with them anymore. When I called FNB, they said they would file a claim with XXXX since the money should have come back into the FNB account but it has been two months and there has been no update. When I called again regarding this issue, it did not look like they were aware of this issue and they again told me they would file a claim. Calling XXXX did not resolve the issue either because they said they are a mobile banking platform so they don't have the capacity to track this. And now I basically do not know where the money went.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 8 late payments. On my XXXX report there are 5 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 14 15 U.S. Code 16.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX 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. 

XXXX 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: Credit reporting or other personal consumer reports

ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Soft inquiries ACCORDING TO THE FCRA SECTION 605B II IS ILEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION .THANK YOU PLEASE REMOVE THIS Inquiries FROM MY CREDIT REPORT NOW.

DELET ALL THE INQUIRES IN MY CREDIT REPORT 15 USC 1681b ( 2 ) 15 USC 1681 ( q ) 15 USC 1681 c -2
Product: Credit reporting or other personal consumer reports

Equifax is still reporting this account which the CFPB states is not reporting. Attached is the proof of it still reporting
Product: Credit card

on XXXX I bought a airline ticket through XXXX by using credit card and when I realized that those tickets fake by confirming by original airline sites, then I tried cancel and called the credit card company to dispute but they says I selected no refunded cancel which I never did and now they wont refund me anything. I keep contacting the credit card and the other company which I bought the ticket from but no help. I really dont want to loss this money please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was reported to be delinquent due to communication errors and lapses from Westlake as the address they had on file from XXXX XXXX was INCORRECT.
Product: Mortgage

I am writing to bring to your attention a pressing matter concerning the mortgage agreement entered into with United Wholesale Mortgage , LLC ( UWM ) on XX/XX/XXXX. This agreement, spanning a 15-year term and amounting to {$150000.00}, has encountered significant discrepancies that require your immediate attention. 
The mortgage agreement comprises a comprehensive 4-page Note delineating the rights and obligations of both parties involved. Notably, Item 1 of the Note, pertaining to the BORROWERS PROMISE TO PAY, explicitly outlines the obligation to remit all payments in U.S. currency through various acceptable means, including cash, check, money order, or any other method sanctioned by the lender. 
On XX/XX/XXXX, at my request, XXXX  XXXX XXXX issued a prepayment check for {$21000.00} to UWM. This check was received by UWM on the same day. Regrettably, UWM refused to accept the prepayment, citing an internal procedure to pay off the mortgage. This refusal contravenes Item 4 of the Note, specifically detailing the BORROWERS RIGHT TO PREPAY to make a full Prepayment or partial Prepayment without paying Prepayment charge. 
The rejection of the prepayment check is not only a violation of my contractual right but also an imposition of UWMs internal payoff procedure, which is not part of our mortgage loan agreement. Compliance with this internal procedure should not be obligatory for the borrower, and reference to it should not serve as grounds for refusing a valid prepayment. 
Furthermore, on XX/XX/XXXX, UWM mailed a PAYOFF STATEMENT, demanding $ XXXXexceeding my intended paymentby no later than XX/XX/XXXX. The statement indicates an intention to impose additional charges of {$3.00} per day and an additional {$62.00} if payment is not received within 16 days of the due date. This statement, received on XX/XX/XXXX, at XXXX PM, mandates payment via a certified check or wire transfer, the latter being the most expensive means of money transfer. 
Despite the 160-month term of our agreement and the fact that I never initiated discussions regarding loan payoff, UWM has persistently pursued a unilateral payoff procedure, invoking their " INTERNAL payoff procedure '' without providing any reference within our agreement. Their refusal to cease this procedure escalated to threats of charges if I did not comply. 
In summary, UWM has breached the terms of our mortgage loan agreement by : Violating my right to make payments by check. 
Infringing upon my right to make a prepayment and charging additional interest for the first week of XXXX. 
Mandating adherence to their internal procedure not stipulated in our agreement. 
Initiating loan payoff without my request. 
Requesting payoff via the most expensive means contrary to the agreement that ALL payments can be done in the form of a check. 
I earnestly request your intervention to enforce UWM 's strict adherence to the terms of our loan agreement and to prevent the imposition of internal procedures on customers that are not part of the agreement. 
Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution.
Product: Credit card or prepaid card

I applied the CITI double cash credit card in XX/XX/2019, have not heard any decisions on my application by XX/XX/2019.
Product: Mortgage

Loan was paid off on XX/XX/XXXX. 
The payoff amount does not agree with my figures. Requested amortization schedule and complete breakdown of payoff figures on XX/XX/XXXX. And XX/XX/XXXX. First attempt, they said they would do so. Second attempt, it was reported that first request was deleted and they could not supply information because the loan was paid off. Phone " disconnected ''
Product: Debt collection

They contacted me at XXXX and I am located in XXXX, AZ. I informed them it is against the law to contact me at that time of the morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account number : XXXX have 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to Experian and on the same month XXXX and XXXX are current. This needs to be fixed
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

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 1692. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is afteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time at the consumers location ;
Product: Mortgage

we have been going back and forth with chase for correct answers and they have tried to help but they have sent us conflicting dates and other information. They have completely confused us in this whole situation. We just want the right answers.
Product: Credit reporting or other personal consumer reports

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my XXXX ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX. Myself is victim of Identity theft. I am attaching my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Mortgage

This complaint pertains to Nationstar Mortgage dba Mr. Cooper, the servicer for my mortgage. Mr. Cooper missed a town tax payment in XX/XX/XXXX. I notified Mr. Cooper by phone of the late payment when I received a past due notice from the town in XX/XX/XXXX. After multiple phone and email attempts, I sent a formal written notice of error in XX/XX/XXXX. Mr. Cooper acknowledged the error and paid the town on XX/XX/XXXX but deducted most of the interest ( {$10.00} ) from my escrow account claiming incorrectly it was base taxes. I have attempted several times in writing to ask Mr. Cooper to refund the amount or justify its belief that this amount was base taxes, and I have also sent documents proving this was interest due to the late payment. Mr. Cooper continues not to correct or answer this last error. Additionally, Mr. Cooper has missed the 30 business day limit to respond to my XX/XX/XXXX error notice and the 5 business day limit to acknowledge my XX/XX/XXXX request for information. Correspondence is attached to this complaint.
Product: Debt collection

I received a demand letter from MRS XXXX collection company. The demand letter is for the amount of {$19000.00}. This collection debt is not mine and does not belong to me. I will not pay this debt.
Product: Debt collection

XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.
Product: Debt collection

I am XXXX XXXX a federally protected consumer. Synchrony Bank/Gap is in violation of 15 usc 1692 FDCPA, 15 usc 1602, Truth in lending, 15 usc 6802, privacy and obligation, 15 usc 1681 FCRA. With these violations they have harassed and used unfair practices to coerce me to pay them when the debt isn't mine and was already paid. Please see attached violations.