23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXXXXXX XXXX XXXX
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 there transactions was unfeasible, The CFPB 's finding 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

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used zelle and accidentally sent the money to the wrong person in XXXX of 2024, I called the bank to let them know that I sent money to the wrong person and they said that there was nothing they could do. I had to send the payment again ; I was just out of the money.
Product: Mortgage

I am writing to complain about the process to remove PMI from my loan. I contacted  PNC twice regarding cancellation, once when my LTV  was below 80 % and once when it was below the automatic termination amount at 77.4 %. Each time they send a notice in the mail requiring me to pay {$500.00} for an appraisal to a company the OWN.   This is a total violation of  UDAAP in that when reviewing and signing the PMI notification on the original loan documents, it is not clear that even upon the automatic below 78 % LTV  is reached, that the amortized date is also required to be met. It is even extremely deceptive when the sale price of the home versus the actual appraisal amount at the time of sale is used, thus squelching the idea of negotiating a good deal for the consumer. Where is the incentive to pay down the principle and try to get ahead. I am  XXXX   XXXX   XXXX  and will be  XXXX  in 2 months and trying to get this extra {$160.00} amount for PMI removed from my loan is threatening my ability to retire.   I could understand I the  LTV had not been met, or maybe even the requirement for a new appraisal, however when the requirement is mandatory through a company that PNC owns, there is obvious collusion. I believe th is issue was the intent of the CFPB 's existence is the first place versus it 's other nefarious intrusions in the financial community, but I am afraid the big banks will continue to be protected.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, XXXX, and disbelief regarding your handling of the fraudulent account that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the XXXX XXXX XXXX XXXX, these fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and XXXX XXXX XXXX. Despite my compliance and the clear evidence presented, I am deeply XXXX  to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a small business and through my business, I have made money and deposited money since XXXX into COINBASE, a US based company. On XX/XX/XXXX, my account was frozen due to not uploading documents in time for XXXX documents. Me being a long term holder, I do not pay attention to the emails I receive. On XX/XX/XXXX, I uploaded the first type of documents they had requested. Additional documents were then sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as they have been requested. It has been 4 times since I have sent additional documents and till this day, they have not reinstated my account. Along with this, they continue to charge a {$30.00} a month fee from my account due to being a COINBASE ONE subscriber. However, I am unable to use my account and still being charged. At this current moment, XXXX XXXX XXXX XXXXXX/XX/XXXX, I hold {$250000.00} in my Coinbase account which is split among XXXX ( a cryptocurrency ) and USD of {$960.00}. I am unable to get a clear and concise answer from the company.
Product: Checking or savings account

So Im pretty sure this is been going on longer than that because Wells Fargo Im pretty sure they were taking advantage of people and low incomes to thats a perfect scheme because Im one of them so I had an account from XXXX to XXXX And I get these checks it says because it inquiries which means they did something wrong and they definitely did because they forced me to close my account seeing if some fraudulent checks when really I go was getting XXXX money from XXXX so I have no idea what they were talking about I had to go to to the bank and to wait two months to get money that was mine they still try to tell me I owe them when I dont its impact my credit too had to go to XXXX give them my new bank etc
Product: Credit reporting

Transunion has an account named XXXX on my credit report twice and I am in no way affiliated with this account. I have requested proof of debt from this company on several occasions and have received no response. I did not receive this and I did not sign for it. I would like this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card

Citibank Aadvantage Credit Card We had Fraud on out card from XXXX. After fraud was discovered, card was closed and new card issued. All fraud charges were transferred to new card, and are shown as " pending '' on old card. I have called 5 times and put all charges under review, and each time I call, we have to start the process over again. We still have {$2000.00} of fraud charged to our card, and our bill is dues XXXX I have asked to escalate situation, and am getting nowwhere.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX  Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
Product: Credit reporting or other personal consumer reports

This started in XXXX since the XXXX and Ive been disputing this false information on my credit report and this company refuse to remove information that does not belong to me I am a victim of identity theft and also they data breach settlement with XXXX my information was compromised and this is one of the accounts LVNV Funding LLC . Under the 15USC 1681 they are also violating my rights as a consumer and violating the LAW which does not permit a company to report after 4 years this violates the statute of limitations. I have sent letters after letters. Still no results
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX  but am weary of the outcome.
Product: Credit card or prepaid card

On XXXX Tuesday at XXXX XXXX  PST ( XXXX XXXX  EST ), I/COMPLAINTANT talked to a representative via XXXX for about 10 minutes. I/COMPLAINTANT tried to raise issue with a merchant ( rather to mark the transaction for the merchant to identify my/COMPLAINTANT 's login credentials, in this case ). 
However, the representative was rather difficult on processing this dispute. 
( 1 ) I/COMPLAINTANT aware of being able to file dispute via mail or online but representative was overly curious on why I don't file this via online method. 
( 2 ) He filed the dispute for amount more than what I/COMPLAINTANT asked for.

( 3 ) I/COMPLAINTANT tried to NOT make this dispute a " fraud '' case, however, representative tried to insist that the credit card number be replaced with a new card. 
COMPLAINTANT/I insisted back and convinced the representative to simply process the dispute WITHOUT replacing the card with a new number. 
COMPLAINTANT/I would like to remind the representative that he/representative does not have to advocate for the merchant or for me/COMPLAINTANT. However, in this case he/representative tried to, by insisting that changing the credit card number with a new card is a necessary step.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION / XXXX, XXXX XXXX XXXX XXXX, has 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 an 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: Checking or savings account

USAA has a fee problem. They inundate clients with fees and provide no help with getting them waived. I am moving my baking to a company that doesnt charge fees. I have gotten 15 nsf fees since 2022 started. That is XXXX dollars. That is so excessive for someone who is working hard and trying to make ends meet. I know I cant be the only person to be negatively impacted this way. With banks like XXXX no longer charging those kinds of fees USAA is charging fees on a criminal level. I am severely disappointed at this and at the lack of service when trying to get some help. I was instead told I needed to dispute charges with companies I do business with in order to get the fees looked at. I have multiple products and pay quite a bit of money in premiums to this company over 8 years. To get such a lack of accommodation is truly terrible.
Product: Debt collection

My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX and XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from PR and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as Portfolio Recovery. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
Product: Debt collection

The University that I was completing my XXXX XXXX in XXXX I had all of a sudden been accessed with a {$7000.00} bill owed that was 3 /4 years prior. I contested the amount owed directly to the school stating that it would not take 3/4 years to realize I owed a private debt beyond the Student Loans owed. The School has  since had their accreditation revoked due to misappropriation of federal Funds and stealing from the students without returning said funds. Thus, that was a scam attempt to collect more funds from the student.
Product: Debt collection

I made several attempts to CA via returned receipt to validate this debt. I have not received any response from my attempts to CA to verify this debt but they continue to report and collect on this. 
They have violated my rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 XX/XX/year> to 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 21 days before the payment due date. 


XXXX 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 21 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: Debt or credit management

There were 2 purchased that someone made on my XXXX  account that was renting a room Here at my house XXXX sent the stuff to collections I did not authorize these 2 orders and Ive notified them over a year ago still Nothing has been done
Product: Debt collection

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it.
Product: Credit card

US Bank Credit card company is using a http website and is not secure. 
Please see link address below. 

U.S. Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account Resolution Services, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount ofXXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Product: Debt collection

They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.
Product: Student loan

Navient is my loan servicer. My monthly payment is {$110.00} per month on a consolidated federal loan. I routinely pay my loan and have never missed a payment. Sometimes I make overage payments ( {$150.00} instead of {$110.00} ). Instead of applying the difference to the principal, they reduce the amount of the loan due for the next month. If I make a payment that exceeds the next month, they advance the due date of the loan. Per their instructions, I attach a post-it note to the check that says " Do not advance due date. '' Evidently this has not been happening. I just made a payment of {$500.00} ( that has not posted yet and it's been 10 days since I mailed it ) and they told me it would push my payment ahead four months. I told them that's not how I wanted it. I changed my account settings to reflect this on their online system as well. 

Navient consistently demonstrates their efforts to take advantage of students paying off their debts. They capitalize on the interest and hope they don't get caught. I explained to them that if they're going to extend my due dates out for the loans, I should just not pay them for four months, save the {$500.00} per month myself and then pay the entire balance off at once. 

This is utterly ridiculous. How can people get out of debt under this manipulation and misrepresentation.