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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
I looked at my TRANSUNION credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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

Hello, This is a response to Citizens banks letter regarding XXXX bonus for opening a business XXXX  account. 

The letter from XXXX XXXX of Citizens bank mentioned Bank records confirm you opened XXXX  account number ending in XXXX on XX/XX/XXXX. I have confirmed with our XXXX department a promotional offer code at the time of account opening was not applied to the account. Additionally, we were unable to find any valid offers for the time of account opening. 

The truth is in Citizens bank promotion page, it doesnt show any XXXX code. If you mean Citizens bank XXXXXXXX XXXX  and customers cant see, then I dont know. But I made an appointment to open a Citizens bank business XXXX XXXXXXXX  account on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened the account for me. When I opened the account, I showed XXXX the promotion and XXXX was Ok with the promotion and made a note with that. I emailed XXXX about the bonus, and XXXX responded me on XX/XX/XXXX and XXXX, XXXX, and said that XXXX has sent inquiry about the XXXX for me. Please see the attached files. 

All this evidence indicate that XXXX of Citizens bank was aware this XXXX  and he tried to help me find out why I didnt receive it. It is not my fault that a promotional offer code at the time of account opening was not applied to the account if you have XXXX. If there is a XXXX code, but XXXX didnt apply, he would say so. 

Further, XXXX mentioned that we were unable to find any valid offers for the time of account opening. This is not true. Please see attached file, it shows that the business XXXX  promotion in Citizens bank website and promotion period is XXXX XXXX XXXX. My account was opened on XX/XX/XXXX. 

I have met all Citizens bank promotion conditions. XXXX mentioned XXXX things, 1 ) no promotion code. 2 ) no bank promotion at that time, were incorrect. Please review these facts and deposit XXXX XXXX  into my account. 


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

I am writing to formally express my concerns that involve Zelles handling of disputes, Particularly in light of the recent CFPBlawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reposting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items  removed.
Product: Mortgage

I am attempting to refinance my Ditech mortgage. During the title search process it was found that Ditech reported a second mortgage dated XX/XX/19 for {$0.00} XXXX XXXX # XXXX. I do not have a second mortgage with Ditech just my primary. I have been contacting Ditech since XX/XX/19 and have not heard back on the status of my inquiry. I ask that they remove this second lien on my title and that they provide me a written letter stating the details of my one and only mortgage with them and that this second XXXX lien was reported in error. 
I reached out to HUD to review this information and they stated that they have no record of any loan on my property or in my name as my loan with Ditech is a conventional loan and not an FHA backed loan. 
I am trying to get a leaky roof repaired ASAP with my cash out refi that I am seeking and now have gone months with no request and the water leakage is causing more unnecessary damage and there is no one that Ditech allows me to speak to regarding my inquiry. They just ask me to fax in a letter and I will get a response within 30 days .... well it has been 3 months and I have not gotten any resolution nor has a manager reached out to me about this ongoing issue. They are in effect, holding me XXXX and causing more unnecessary damage to my property due to their nonresponsiveness.
Product: Mortgage

In XX/XX/2023, I contacted Selene Finance about a loan modification. I send in all the paperwork that was requested, I called about 2-3 times per week for updates and was told it was in review. On the day after 30 days I was informed that there was missing paperwork and that I'd have to re apply, when I asked why I was never informed earlier about the missing paperwork, I was told that it was an oversight and I should just re apply. I re applied and was offered a modification payment {$900.00} more than my existing payment, I was told it was because of higher interest rates. If the modification had been done correctly the first time, I would've been given a much lower interest rate and payment. Selene Finance refuses to acknowledge their mistake, I have requested phone records proving that I called frequently and was never told about missing paperwork. I have yet to receive the phone records
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

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

XXXX XXXXC 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the report # XXXX Experian claims that the identity theft report that I included did not meet the guidelines for the Federal Fair Reporting Act.

Under 15 U.S.C. 1681, the blocking of information gives these instructions on what is needed to file a report. It does NOT require me to file a report with a law enforcement agency. 

See section below. 

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 40 605B - 15 U.S.C. 1681c-2 ( 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. 

I have provided all information to Experian, FTC and CFPB as it relates to this account and no additional information needs to be provided. This account by XXXX XXXX XXXX XXXX needs to be deleted from my consumer report immediately. 

Please keep in mind, you are willing noncompliance after several attempts of deleting this unauthorized account. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; As it stands, you have misrepresented the Fair Credit Reporting Act and have continued to ruin my reputation with this account reporting, as I have not been able to extend my credit due to this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

NEVER REC ANY DUNNING NOTICE, ONLY NOTICE WAS MAILED TO WRONG ADDRESS, FOUND OUT ABOUT ACT FROM CHECKING CREDIT, CALLED BONNEVILLE TO NOTIFY NEVER HAD CHANCE TO PAY OR DISP BILL AND THEY DIDNT CARE. UPDATED MY ADDRESS WITH THEM, THEY SAID THERES NOTHIN THEY COULD DO AND STILL DIDNT MAIL ME NOTICE WHEN GAVE THEM UPDATED ADDRESS. LEFT NO OPTIONS, FELT FORCED TO PAY BIF W/O CHANCE TO DISP OR EVER SEEING ANY DUNNING NOTICE. I DEMAND DELETION. HORRIBLE ACT MANAGEMENT, ILLEGAL TO REP TO SOMEONES CRED W.O GIVING THEM A FAIR CHANCE TO PAY A DEBT.
Product: Credit card

On XX/XX/XXXX I went to Best Buy to buy a new laptop. I chose the laptop I wanted and during the checkout the representative told me that if I got the Best Buy store credit card I would get a year interest free. I had the cash to buy the laptop but I figure that I could just make monthly payments on the card and if I didnt finish paying the whole amount in the year then I would just continue making payments even if I was being charged interest after the year was over. XX/XX/XXXX the billing cycle closed I was being charged {$660.00} of accumulated interest for not paying the whole amount that I owed of the laptop. What Im complaining about is that the representative of the store never told me this in person, it was never brought up to me about this deferred interest so I didnt know of this fee otherwise I would have payed the whole thing cash or a month before the year ended I would have payed the whole amount. As of XX/XX/XXXX I owed around {$1000.00} and the next month I owed {$1600.00} so I just payed the whole amount off but I still think this whole thing is unfair.
Product: Credit card or prepaid card

I loaded {$64.00} on my Netspend prepaid Visa Card ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. I checked the same day that the funds were on the card. I called Netspend today ( XX/XX/2021 ) the prompt told me that my card didn't exist even though I just loaded it. I was put on hold for 45 minutes, when someone picked up I told the Netspend representative what happened and she hung up on me. Please help
Product: Debt collection

On XX/XX/23 I purchased two clothing items totaling {$260.00} from the business XXXX apparel by XXXX through a payment plan with Affirm. After two months of waiting for this order, I reached out to Affirm while completing the 4 payments of {$65.00} to inform them of the situation that I can not get in contact with the business and my order has not been fulfilled. Affirm informed me that they will not be able to cancel the payment plan until the merchant cancels with them or forwards the payment for the order. I made several attempts to reach out to the business via XXXX direct message and email to inquire about delivery status of the order and to communicate with Affirm regarding cancellation but could not make contact with the business until XXXXThe business informed me that their old clothing website was compromised and they are not able to resolve any disputes and that I should chargeback the order with the bank to receive my money back. I charged back all 4 payments of {$65.00} due to the inability to retrieve the mercandise or cancel the order with the company. On XX/XX/23 the merchant scheduled a phone call with the merchant owner, Affirm, and I to discuss how to resolve this dispute which resulted in no solution and Affirm requesting payment from the business or the debt will mine to resolve. Affirm originally informed me that they just needed to contact the merchant to contact them to continue cancellation of the order dispute and then resulted to saying that no solution can be made because I waited to long to create a dispute with Affirm.The merchant refused to relinquish payment for unfulfilling the order which led to Affirm charging off the order and transferring the collection to XXXX.
Product: Debt collection

National Credit Systems INC. with an address of XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$4600.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Money transfers

My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.
Product: Credit reporting or other personal consumer reports

I asked how a debt was verified from a company called XXXX and have not received any information of the debt. Experian claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any documentation.
Product: Credit card or prepaid card

I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XXXX popped up on my credit and has been stuck for a while. They have called me multiple times and have failed to provide documents. They call From a unknown number and in hopes to make a settlement they told me if I dont pay that it will not help my credit but will lower my score and if I want a high score I must pay. I also never received anything or signed anything with them tried disputing and nothings works they are reporting False and its damaging my life and credibility.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes. Despite using zelle numerus times and reporting discrepancies, my financial institution and zelle fail to investigate my claims adequately.
Product: Mortgage

I sent my mortgage company, Wells Fargo, a letter on XX/XX/XXXX, requesting that they cancel my PMI. 

I received the first communication from Wells Fargo regarding my letter on XX/XX/XXXX. I received 5 letters from Wells Fargo with the options I had to cancel my PMI. 

Of the options that they provided, I chose to have a Broker 's Price Opinion ( BPO ). On XX/XX/XXXX, I sent the completed form and {$200.00} check required to schedule the BPO by Wells Fargo 's vendor, XXXX XXXX. 

The BPO was scheduled for XX/XX/XXXX by XXXX XXXX, a representative of XXXX XXXX. Mr. XXXX completed his evaluation as scheduled. During his inspection of our property, we let Mr. XXXX know that we had two independent appraisals of our property that had been completed within the last 6 months. Mr. XXXX requested that we send him one of the appraisals. He indicated that the company he works for ( XXXX XXXX ) would independently verify the report before it could be used as part of the BPO. I sent the report to Mr. XXXX on XX/XX/XXXX. He responded to my e-mail communication on XX/XX/XXXX at XXXX and said " Talked to XXXX XXXX, no problem using the appraisal report. '' We had not received any communication from Wells Fargo following the BPO. I contacted them on XX/XX/XXXX at XXXX. I spoke with XXXX in the Executive Office. He stated that a man named XXXX was assigned to our case and he was not available. He said that the notes indicate that the BPO was not acceptable and we needed to have another one completed. He said that the due date for the case was XX/XX/XXXX. He was going to e-mail XXXX and let him know that he needed to call me back by the end of the day. He gave me XXXX 's direct contact information. I had not hear from XXXX, so on XX/XX/XXXX at XXXX I left a voicemail for him. Still nothing from XXXX, so I left him another message on XX/XX/XXXX at XXXX. I also called back in an effort to get in touch with someone that could help me. I spoke with XXXX at XXXX on XX/XX/XXXX. XXXX said that she was going to send a message to XXXX and his supervisor. She further indicated that if I did not hear back from XXXX, or his supervisor, to call her back and she would help. I received a call from XXXX at XXXX on XX/XX/XXXX. I returned his call at XXXX on XX/XX/XXXX. He said that their vendor had not provided them information that they require, and therefore, we need a new XXXX. I let XXXX know that we were not doing another XXXX. I told him that it was clear that they were stalling. I asked for his supervisors information so that I could talk with someone that could help me. He insisted that everyone in his office would tell me the same thing, and that if I opted to get an attorney, that I would still be required to get a new XXXX. 

We have done everything that Wells Fargo asked us to, and did so in a timely manner in an effort to cancel our PMI. The law requires them to cancel PMI following our meeting the requirements, and we feel that they need to do that timely. Please help! 

XXXX & XXXX XXXX