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

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, which has brought significant issues with the platform to public attention. Despite using Zelle extensively and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users increasingly vulnerable to scams.
Product: Credit card

I have a XXXX  credit card through synchrony bank. It hey notified me of the XXXX statement fee for not signing up for paperless statements. They offered to have me reject the change in terms however that would involve the account being closed. When asked how it would report either closed by consumer or closed by creditor, they replied with Im not in credit I dont know that answer. I asked for an escalation and was transferred back into the hold queue.
Product: Debt collection

I was only informed of this debt that I did not owe because I received a letter at my mothers house. Someone allegedly used my information to obtain furniture, they never made a payment, and I was sued because of this. I never signed a contract, made a purchase, went into any type of agreement with this company or any of its representatives. I found out this furniture was delivered to an address that I have never been associated with, and I have no knowledge of this debt.
Product: Student loan

Hello. I just read that Naviet has been hit with a law suit filed by you, the Consumer Protection Bureau for many, many objectionable practices. I currently have a loan with Naviet, which originated with XXXX. The loan was originated in XX/XX/XXXX and it was a consolidation of my student loans and my then husband 's student loans. 2 years later we divorced. XXXX/Navient have refused to release us from the consolidated loan and to create individual loans based on what the courts approved in our decree. I have made this request repeatedly to XXXX and Navient to no avail. I have worked for the XXXX for almost 29 years. I applied for the service worker loan forgiveness program but was told that our particular loan " does not qualify ''. No reason was given. I have taken my ex-husband to court to enforce the decree because he continually refuses to make payments. This has not helped either. The original loan amount was {$48000.00} and we currently owe {$30000.00}!!! How can that be after 21 years of payments?! During the course of my education I was issued other student loans and all of those loans have been paid in full -- YEARS ago! I am seeking help in getting released from the portion of the loan that I am not responsible for -- 65 % plus late fees and additional incurred interest from the lack of payment from my ex-husband. I believe that Navient/XXXX have refused to reissue the loan to us independently because they are making so much money off of the loan as is because of my ex-husband 's lack of ability and/or willingness to pay. If the loans were separated I would pay my portion off completely which would reduce their income because they would be unable to continue to charge me interest and related fees. I 'm willing to pay what I owe but I would like what is stated in my divorce decree to be what is reflected in a new loan agreement. I have been asking for this since my divorce was final in XX/XX/XXXX. Is there anything you can do to help as I try to navigate and correct this issue? Thank you in advance for any help that you can provide!
Product: Credit reporting or other personal consumer reports

I do not have dates. 

This matter has all transpired in the last several months. I had nine student loans with the XXXXXXXX XXXX XXXXXXXX. I consolidated those loans, and they were paid off by the XXXXXXXX XXXX XXXX. The loans with XXXX totaled a little over {$15000.00}. The loans with XXXX have been paid off. All my credit reports : XXXX, XXXX and TransUnion still show my XXXX XXXX accounts with balances. I just recently refiled a dispute with all three credit bureaus and none of them have reduced the balances to zero. So now, in addition to the $ XXXX from XXXX XXXX I now have the additional {$15000.00} on XXXX. That is over {$30000.00} in student loans. 

I have contacted XXXX who said it was XXXX that is supposed to remove this. I contacted XXXX who essentially said it's not their job. I have contacted the credit bureaus at least twice. Today, XXXX, XX/XX/XXXX, TransUnion suggested I file another dispute. I am trying to get business funding and can not go forward until this matter is resolved. Each of these bureaus had detailed information and the phone number for XXXX. There is absolutely no reason why they should not have resolved this matter by now.
Product: Mortgage

In early XXXX we started the process of getting quotes for a cash out refinance on our house. We never really got started because that loan officer stopped responding. I believe I was told that she wasnt working there anymore. I called and sent multiple emails to Truist employees until I finally reached someone that was able to reassign to our application. On XX/XX/XXXX XXXX XXXX became our Loan Officer, and we started the refinance process of ( Mortgage # XXXX ) ( Loan Application Number : XXXX ). XXXX requested we fill multiple documents and provide multiple types of information. We provided everything XXXX requested. 

On XX/XX/XXXX we received the Loan Disclosures documents. On XX/XX/XXXX we signed the Loan Disclosures documents and accepted a locked in rate that expires on XX/XX/XXXX. The same day we signed we emailed XXXX to update him. We told him to please move forward with application and to let us know what the next steps were and if he needed anything else from us. XXXX didnt reply so we sent him another email on XX/XX/XXXX. XXXX never responded. I spent multiple hours on the phone and emailed pertinent email from truist that I saw online to have someone give us some answers. An employee provided me the email of XXXX supervisor, XXXX XXXX. On XX/XX/XXXX we emailed XXXX XXXX but he also never responded. 

On XX/XX/XXXX we found the email of XXXX XXXX, Vice President, Correspondent Lending. Non-Delegated Inside Sales Manager / Truist. XXXX provided us the contact of XXXX. On XX/XX/XXXXXXXX XXXX  send us and XXXX XXXX and XXXX stating he left us a VM. The VM said to call him, which we did, and left him a VM. On XX/XX/XXXX we replied XXXX email to us and said that its better to communicate via email since we were playing phone tag. XXXX replied to our email stating that he never received our tax returns so he had to withdraw application for being incomplete and we would need to start a new application with a new interest rate. But he never requested our tax returns. We provided all information he had requested. Including other tax documents and a signed document consenting them to use our tax returns. 
We emailed XXXX and XXXX stating that they should honor the signed Loan Disclosures documents and locked in rate since the oversight was not on our end. They never responded. We emailed them multiple times after that. We told them that we would inform the Consumer Financial Protection Bureau and Consumer Protection division GA. Also told them that we are willing to go to arbitration because there's too much money involved for us if we get a new rate. They never responded. 

We need help to have Truist honor the signed Loan Disclosures documents and locked in rate. 

( We have all documents and emails but they have sensitive information so please let us know directly which documents you would like )
Product: Credit card or prepaid card

In XX/XX/2018 I signed with Care Credit to help cover the cost of dental work. The cost came to a little over {$7000.00}. Supposedly, I was put into a promotional program that waved the interest for 12 months. However, I do not recall signing up for this program. 
On XX/XX/2018 it was stated that if I paid the balance of {$1200.00} for the deferred interest per the Promotional Balance my account would not be charged that amount. However, this promotional program is a scam and should be investigated. Out of the {$7000.00} owed I have paid {$3600.00} toward that balance and as of today the balance owed is at {$7000.00}. ( This past XX/XX/XXXX I canceled my card. ) I can understand having to pay interest on this account but nonetheless a portion of these payments should go toward the principal to pay down the balance. As it stands today, this account may never be paid off during my lifetime. After seeing Care Credit advertise on XXXX I became upset and called them to voice my concern. They responded and sent me the contract I signed, However, I did not see the promotion program attached to this contract. I believe they are misleading consumers with false advertising. What has me upset is that I check my credit report every week to stay on top of my accounts. I saw where I was charged interest on this account which caused me to be over the limit thus affecting my credit scores. I called Care Credit again this morning and was told the promotional program is automatically renewed and even though I canceled my Care Credit Card with them, I'm still charged monthly interest on this account! This is absurd! What other company does this? I have paid my payments on time every month and have never been late! I had no inkling that I signed with a company who believe in scamming its consumers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. there is an inaccurate late payment from XXXX which is an auto loan. They are stating I have XXXX missed payments from the company which is completely false. They also have accounts that Ive since paid off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Because of these inaccuracies my credit score dropped over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX-Fla. XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXFore XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXe 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

Someone has being going to the ER using my name since XX/XX/2014. 

The police here in Alabama has just arrested the person, i contacted AmeroFinancial Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX This information is incorrect, I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

1. When the federal loan platforms changed, they automatically updated my income despite the previous rules that it would be on hold until XX/XX/2025 ( I was someone that was asked to recertify before the deadline was extended ). My payment never went up before the transfer but now it went from {$300.00} to {$2400.00}. Ive called several times asking for a correction and am in an administrative forbearance with no correction in site. My forbearance ends in XXXX  days with no correction. 
I have called several times and most of the people I talk to have no idea what they are talking about and just say they cant help me, and dont understand their own policies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and they need to be deleted they are affecting my life
Product: Debt collection

I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX cable in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them XXXX reports, police reports and the item was deleted from my credit report. Recently the debt was sold to Berlin Wheeler Inc, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all XXXX credit bureaus. I previously contacted Berlin Wheeler in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. Today I notice they have placed the collection back onto all XXXX credit bureaus and have sent me another collection notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX And XXXX XXXX XXXX I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and Equifax in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX she uses multiple different last names ) of XXXX used my SSN to open multiple loans and credit cards. She is in XXXX  while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and Transunion. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX are still on my credit report. On Transunion, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Product: Checking or savings account

I am writing against Navy Federal credit union regarding multiple overdraft fees I have occurred. Despite having insufficient funds when the transactions were authorized.. I was charged fees due to leg posting of charges and credits. This issue aligns with the recent CFPB findings for Navy Federal where are transaction settled with insufficient balances despite initially available funds. I believe this is unfair and request an investigation into my account.
Product: Student loan

LAST YEAR BACK IN XXXX I HAD JUST RECENTLY ASK FOR A PAYMENT PLAN BECAUSE THE SCHOOL NEVERED FOUND ME JOB SINCE I GRADUATED BACK IN XXXX. BUT I HAVE BEEN IN FINACIAL HARDSHIP & WITH XXXX KIDS IS HARD. THEY PUT ME ON A PAYMENT PLAN WHICH I WAS PAYING {$50.00} DOLLARS A MONTH THAT THEY SAID THEY NEVER RECIEVED FOR 3 YEARS STRAIGHT AND THEY STOP CALLING. SO WHEN I FILLED MY TAXES THIS YEAR THEY TOOK XXXX DOLLARS FROM ME. I DONT KNOW WHAT GOING ON I NEED HELP PLEASE.
Product: Money transfer, virtual currency, or money service

I rent rooms through a XXXX housing service to nurse that needed places to stay during COVID when most places did not want to rent to them. In XXXX, I accepted a nurse to stay at my home in XXXX XXXX. The nurse paid me {$5200.00} upfront for a month of rent, a deposit, and for her travel arrangements. 

She sent me a check, which cleared at my bank on XXXX  XX/XX/XXXX -- meaning the money was in my account at XXXX XXXX XXXX. On Wednesday the nurse at first informed me that her contract was cut short and that she needed that part refunded. Then she said she had COVID and her contract was canceled at that I could keep the deposit, but she needed the money back. 

None of this was out of the ordinary. And with consideration to the hard times health workers have been facing, I did not want to add to her complications. She requested I send money through XXXX. I did not have this set up with XXXX XXXX, so I used my citibank account to make the transfers. 

Then on XXXX  XX/XX/XXXX, the money was pulled from my XXXX XXXX Account and they reported it as a fraudulent check. I then went through the process at Citibank of recovering my funds. Over the course of 3 months, I was promised various things from Citibank, most of all that my claim would be treated fairly. I was the victim of a crime and the XXXX XXXX Police department said that Citibank had an obligation to refund my money as they would be acting as a party to this crime. 

I tried everything, even corresponding with XXXX XXXX, the President of retail for citibank. At the end of it - they claimed they would not refund the money because of a fairness concern. The acknowledged that I had been scammed, but because they did not want to recover funds for others who had been scammed, they did not want to do it in my case. It was essentially my fault for using their service, which states there is some recourse for recovering fraudulent funds. 

This is completely unacceptable. They are a too big to fail bank that should certainly refund ALL MONEY that has been scammed by their customers. I would like your help in making sure they do not continue to aid scammers who are taking prey on people who are trying to help our vulnerable communities during Covid. 

I am owed {$1500.00} from Citibank - and I'm happy to provide further documentation. I have attached the XXXX Report. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted Experian to take it down immediately because I filed an FTC report. For one month Experian has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated.

My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how Experian got one and if they did how they validated something that isn't mine I am attaching an FTC report. Experian has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
Product: Student loan

My student loans are showing up on my credit report twice, which is significantly affecting my debt to income ratio.
Product: Credit reporting or other personal consumer reports

I submitted my request for the annual free credit report and Equifax gave me a couple of pages and XXXX requested money for my free credit annual report???. I wrote back explaining that this was for my annual free credit report of which I still haven't received anything from them and nothing at all from XXXX reporting company?? What have I done wrong, I wrote to these 3 agencies asking for my free credit annual report. You are suppose to get for free, what's up, what's the problem, what don't they understand, and i ask for my full credit report, not just 2 pages. Thank you