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 dispute resolutions, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which has highlighted significant issues with the platform. 

Despite utilizing Zelle for numerous transactions and reporting discrepancies, both my financial institution and Zelle have failed to thoroughly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. 

The findings from the CFPB investigation reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety on the platform. 

I urge Zelle to take immediate steps to address these issues, prioritize consumer protection, and improve its dispute resolution processes.
Product: Credit reporting or other personal consumer reports

I spent a small amount of money And they took way too many points off of my fico score Monday, XX/XX/year>. My XXXX XXXX was a XXXX. I spent {$150.00} and my credit score went down XXXX points which now makes it XXXX. 

And I am only utilizing 26 % of my credit which is below the 30 % mark. This should keep me above a XXXX XXXX score which seems to be a miscalculation on their part and is hurting my ability to utilize new credit opportunities for funding my business. 

I am asking for an investigation XXXX XXXX XXXX and Experian so that my XXXX score reflects what the fair Credit reporting act suggests and should be adhere to in my situation as Per federal law States.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this account is not mine I have not signed a contract with them.. I tried to explain to this company via online and through the credit reporting agencies that these accounts ( ending in XXXX and ending in XXXX ) does n't belong to me. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. No transaction history and no billing history which shows some crazy balance amount for both accounts. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. They do n't answer their phone at all and have not provided the information I have requested as a consumer.I am not able to pay this account as it 's not mine.
Product: Debt collection

XXXX XXXX - this is my 2nd complaint I have filed against them in the last 12 months. Today, XX/XX/2019 they contacted a family member who does not live in my home and is not my child or spouse looking for me. I have advised them after I filed the first complaint to not contact me before XXXX they continued. I than escalated to management and they advised they would only contact me by mail which they have and I have received the correspondence. Contacting people I do not associate with that are not my immediate family such as spouse or children which are minors is unacceptable. The representative was very rude and stated they can contact whoever they want to reach me. I need this company to stop the a harassment. It is a violation of my right as a consumer.
Product: Mortgage

I asked SPS for a loan modification workout because the state of Georgia said they could help me modify my loan with SPS. They refused to respond. They have been reeling XXXX XXXX and other companies to send me threatening letters. SPS has lost all my mortgage paperwork and they continue send me fraudulent statements.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my banking account with them without reason or liable reason. This is my bank account and had been frozen without my permission or acknowledgment.
Product: Credit card

I received a statement from Paypal Credit saying I owe {$840.00}. I never applied nor received nor used a credit card from Paypal Credit. When I called, they wanted " personal information '' which I would not give. I ended up hanging up on them. I am XXXX years old and on Social security. I do n't need this aggravation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX  XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXXXXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
Product: Debt collection

A person by the name of XXXX XXXX working for a company by the name if XXXX XXXX XXXX contacted my family members about an urgent situation and stated to have me call them back. I was not read the fair collection rights statement and the company stated they would not be able to verify the supposed debt and that I would soon be given a summons to appear in court. My current address is public knowledge and I have not received anything from this company ( yet she stated I have " received certified letters '' from them at this address which is entirely false. If they are in deed a debt collection company, they have violated many laws. It is my gut that this company is attempting to scam people out of money and should be put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated CONNS CREDIT CORP Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Hide Details After Before CONNS CREDIT CORP Account Name XXXX Account Number Secured Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$2500.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$3100.00} Original Balance {$0.00} Highest Balance 30 Months Terms {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount I have try disputing this item with conns numerous period of time someone went into they store a location thats no longer open someone working for them let someone used my information after my wallet was stolen and get items in my name which was fraud i fax over the police report to conns coporate got no response but they written the account off but they still reporting it to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.
Product: Mortgage

My mortgage was with XXXX XXXX or XXXX XXXX, now it is not and I lost my job in XXXX and got behind on mortgage payments. The servicer was XXXX XXXX I tried to pay the amount I was behind in XX/XX/XXXX but they added XXXX in fees so the amount I had wouldnt stop foreclosure I was told. Now my mortgage service company is Fay Servicing and they did a loss mitigation and came back with my payment being almost twice of what my payment was and now my property is not showing under XXXX XXXX or XXXX XXXX. I am wanting to stay in my home as I am a single mom but the new payment they gave me of XXXX a month and the interest of 6 percent when my mortgage payment was XXXX a month and 4 percent I feel they are making it hard for me to stay. They also can not send me my original note from XXXX on the house. They only had the modification note from XXXX. I just would like a fair payment to what my mortgage payment was. I did claim bankruptcy in XXXX and I have lived in my house for XXXX  years now.
Product: Student loan

All of my student loans are from the company Aidvantage. Theyve been emailing me regarding student loan payments. However, Im still enrolled in school full-time meaning I shouldnt be making payments. Ive contacted the company and signed the proper documentation. However ; they have not updated it in their system. Customer service has been rude and not responsive. They wont update their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted SYNCB/TJXDC and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX deleted it because the could not verify this account and its time for the others to follow suit .... 

XXXX  is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit XXXX  is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit XXXX  is reporting XX/XX/XXXX as the date of last active XXXX is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please move this off my report thanks.
Product: Credit reporting

I have disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute for Inaccurate Reporting of XXXX  Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my XXXX  loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation. 
The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a 35-day late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late. 
Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly. 
Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information. 
15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within 10 business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

On XXXXXXXX XXXX, Pursuant to the Fair Debt Collection Practices Act. 15 USC 1692g. I sent NEW AMERICAN FUNDING a request for a Validation of Debt and a Cease and Desist. New American Responding by saying that I was past 30 days and they were not required to validate the debt. A couple days later I received a packet that had a copy of the paperwork from closing. They did not answer the affidavit line for line. I was still unclear of the alleged debt. So I sent a FOIA request they sent a generic ledger but not the detailed reported that was requested pursuant the Freedom of Information Act in accordance with XXXX. On XXXX XXXX, I sent another request this time asking to set up a time to view in person my ORIGINAL WET SIGNATURE PROMISSORY NOTE. I have not received a response from NEW AMERICAN FUNDING as of today XX/XX/2022.
Product: Checking or savings account

On XX/XX/2022, there was an unauthorized charge of {$340.00} made via my debit card to this company. I requested a refund but have been denied because they submitted a receipt to my bank claiming the transaction was initiated by me. I did not authorized this transaction nor have I received any service or merchandise from this company. I want my money returned to me.
Product: Credit reporting or other personal consumer reports

I looked at my credit report I noticed some things that are incomplete and not accurate. I had already told/sent letters to all 3 bureaus about this yet they have not done anything the investigation is completed and still the items remain I feel like a victim of the system now that I am learning about the credit bureau 's ways and how they make money off us, so I figured its in the best interest to use my info however they want to. but I learned according to the Fair Credit Reporting Act Whenever a consumer-reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, According to 15 USC 1681s-2 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 or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Experian for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the 30-day investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my credit score and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Checking or savings account

I was on phone with them for hours on call wait to unlock my account they have messed up my payment hella times an even found that they did I go to fix it an get locked out then they just close my account then give me my moneyed own an no text no email nothing saying other closed like the XXXX worst bank ever
Product: Checking or savings account

Subject : Formal Complaint Regarding Overdraft Fees Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Navy Federal Credit Union concerning multiple overdraft fees applied to my account. These fees were assessed despite sufficient funds being available at the time the transactions were authorized. The charges appear to have resulted from delays in the posting of transactions and credits to my account. 

This matter aligns with the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by Navy Federal Credit Union where transactions were settled against insufficient balances, despite initially available funds at the time of authorization. I believe such practices are both unfair and in violation of reasonable banking standards. 

Additionally, I submitted a request for the application of Ohio Servicemembers Civil Relief Act ( SCRA ) benefits to my account, along with all required supporting documentation demonstrating my eligibility. To date, I have not received any response or confirmation regarding this request. 


I respectfully request a thorough investigation into my account transactions, the associated overdraft fees, and the status of my XXXX benefits application. For context, I have been a Navy Federal account holder since XXXX 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I'm unclear what I am being billed for as my XXXX had advised that they would be covering the total paid for my time in the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

In XX/XX/2022, we ordered XXXX mattresses from Macy 's. We opened a Macy 's credit card for this purpose and so we could get the advertised special financing deal of 12 months no interest. The details of the purchase and the financing were confirmed by phone with a Macy 's customer service representative. The total purchase was approximately {$800.00}. The mattresses arrived in XXXX and the first bill arrived in XXXX. The bill required us to pay the entire amount in full otherwise interest would be incurred and made no mention of the special financing deal. I called Macy 's in XXXX and they told me they would fix the issue and in the meantime I " didn't need to worry. '' I was still concerned so I calculated the minimum payment myself and made it ( because a XXXX payment was required ). Now, I have received the XXXX statement, which does display the indicator of special financing, demonstrates the deferred interest to date, but still has me paying a minimum of {$29.00} on {$680.00} owed. It doesn't calculate the actual minimum payment to be paid per month to avoid interest. If I was to pay {$29.00}, I would certainly incur interest. Normally with these programs, the minimum payment that a consumer must pay not to incur interest is calculated and clearly disclosed to the consumer but no such disclosure has been made by Macy 's. Rather, Macy 's is counting on consumers either paying too little and incurring interest or paying the entire amount out of a concern of incurring interest. I called Macy 's on XX/XX/2022 regarding this issue and they advised me that what I was seeing is correct and that they " didn't have the ability to manually adjust customer accounts to show individual minimum monthly payments. '' I was told over the phone to pay {$69.00} per month for the remaining 10 months to avoid interest, which is {$40.00} per month more than their provided minimum payment. This issue must be addressed immediately as Macy 's is constantly running these special promotions and doubtless duping thousands of customers.