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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer
Product: Bank account or service

Hello, Please accept this as a formal complaint against TD Bank , NA. Reason being, I have made several deposits leaving my account in a positive status. I even check my bank account before I use my debit card. As of today, I have been charged XXXX in overdraft charges in XXXX and an additional XXXX in overdraft charges in XXXX. 
I believe that this is a bank error based on the following : 1 ) my check deposits are now taking 2 business days to clear when they use to take 1 business day. Also, I have not received any notification regarding changes to their clearing house. 
2 ) the first {$100.00} available per deposit is NOT being honored by the bank. I would like the XXXX refunded to my business account XXXX as soon as possible.
Product: Vehicle loan or lease

I requested information and sent a certified # XXXX mailed on XX/XX/XXXX and delivered on XX/XX/XXXX to the XXXX XXXX. 

1. Original Contract 2. Full Payment history 3. Notice of Default 4. Notice of Sale 5. Explanation of Calculation of Surplus and Deficiency 6. Notice of Retrieval of Personal Property
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX  ) with account # XXXX ( Date Opened : XX/XX/2021 and Balance : {$640.00} ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a customer with XXXX XXXX for ( 15 ) years, each year, I apply for the loan and was approved. This year, I applied and was sent a letter, stating : 1 ) excessive balances/ derogatory loans 2 ) insufficient refund amount But upon pulling my credit report, this information is incorrect. I ve made several attempts to call the number on the correspondence, but they dont work.

Therefore, I m needing assistance with obtaining, the documents used to make the decision.
Product: Credit reporting or other personal consumer reports

I have multiplied businesses reporting wrong and inaccurate information to my credit profile. XXXX has failed to investigate and update any inaccurate information and correct it. XXXX bank is reporting a paid in full account closed/paid in full with a balance of {$XXXX} which is inaccurate and false. I have XXXX businesses reporting falsely collections with no proof of business and or service from them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} 1994 XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT XXXX ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
Product: Mortgage

around XX/XX/year>, XXXX XXXX XXXX  ( XXXX ) sold the mortgage on my rental property to Western Alliance Bank. I had Automatic draft setup with XXXX XXXX XXXX  company and that Automatic Draft did not transfer over to the new Western Alliance company and I did not realize that was the case. Due to the change of Mortgage company , the payment was delay for over 30 days and they have reported it to the credit bureaus. I have several mortgages and I have never been late on any off them before. Western Alliance Bank refuses to fix the reporting since it was a delay in payment, not refusal to pay. The Automatic draft should have taken place and it did not, therefore causing delay in payment for the XX/XX/year> payment. One single delayed payment is impacting my ability to obtain mortgage on a new property. This is not fair considering the delayed payment was an oversight and due to them not automatically drafted. thank you.
Product: Payday loan, title loan, or personal loan

I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.
Product: Mortgage

I had initially secured a mortgage modification from SPS ( Select Portfolio Services ) XX/XX/XXXX. Apparently there was a problem with the final modification being processed and my home is now scheduled for foreclosure sale. I disputed the foreclosure, and was not notified of my denial in writing, or given an appeal period. SPS is dual tracking my foreclosure which is scheduled for XX/XX/XXXX. I am a single parent of XXXX children, plus I provide a place to live for my XXXX older sister. I am in desperate need of help to stop this foreclosure.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Debt collection

This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX  residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally  performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX  Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and  XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 we came to an agreement with XXXX that the Solar Systems would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. The Solar Panels were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the XXXX filing.
Product: Credit card or prepaid card

On XXXX XX/XX/2023, I received notification from Synchrony that the credit limit on my Verizon credit card was arbitrarily reduced. Consequently, there is now the perception by anyone who views my credit report that my usage has skyrocketed because of poor spending habits on my behalf. That is blatantly wrong, and the credit card company has decided my limit needed to be significantly reduced without any conversation with me regarding it. I am requesting the original credit limit be restored.
Product: Mortgage

My partner and I have lived in our home in XXXX XXXX, MD for over 22 years. Because we are both in XXXX XXXX  and work on commission, our incomes always fluctuate. So many times during those years we have gotten behind, but we would send what we could until we could fully catch up. And always the mortgage servicing company accepted those payments, whatever they were ( see attached ). And that has been true of Select Portfolio Servicing, Inc. ( SPS ), our current servicer. 

However, on or about XXXX XX/XX/2018, I sent SPS a check for {$4000.00}, which SPS returned on XXXX XX/XX/2018 ( see attached ). SPS rejected the payment and in its unsigned letter said it would only accept over {$17000.00}. More recently, SPS returned a payment of {$18000.00}. 

As I noted above, our incomes fluctuate regularly and the markets have been slow for us the past year or more. We are doing the best we can, and SPS is just trying to force us out of our home, even though it has in the past taken payments less than the full amount owed. How can a mortgage servicer, which is supposed to work to get money to pay down a debt, reject significant payments? I feel that something has changed to propel SPS to treat me in a different manner than previously and that the company 's motivation is suspect and possibly discriminatory and thus not legal.
Product: Mortgage

In response to my complaint, case # XXXX, Bank of America responded with the statement " In regards to your monthly statements, the section labeled " current payment due '' demonstrates the currently monthly charges without late fees ''. This is false. Please have Bank of America explain to me how they came up with the amount {$1200.00} under " current payment due '' in the statement period XXXX/XXXX/2016 - XXXX/XXXX/2016 without including any late fee.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/year> I used the XXXX XXXX XXXX XXXX service to send a {$60.00} check to First Progress Remittance. I have always paid my credit card this way because they only just recently started accepting digital payments. I used the same address that was used for every payment in the past. It is now XX/XX/year> and my payment has not been applied to the account. 
I called the credit card company and at first was told that the address I used was incorrect. I asked how that was possible since this address has worked for years of previous payments? The representative could not clearly answer my question and told me to wait another day to see if the payment would be applied. I waited and still the payment was not applied. 
I called my bank, XXXX XXXX, and they confirmed that the check was mailed and that it was cashed. My previous payment of {$50.00} was sent on XX/XX/year>. It was mailed the same way and the payment was applied in two days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act