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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. There is a clear lack of responsibility being taken from the company, that raise serious concerns about customers safety
Product: Payday loan, title loan, or personal loan

your company has repeatedly contacted me/ us, claiming that I owe a debt under Lend Nation. I was never told I had the right to rescind according to 15 US Code 1635 I was entitled to this. This is a violation of TILA. 15 US Code 1605 The finance charge is the sum of ALL charges. I do not believe that I owe this alleged debt that you say I owe. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting. Do not report anything negative to any reporting agency, do not sell or give my information away to corporation. Please provide me with the contract with my WET INK signature. Note XXXX vs the XXXX XXXX were there is no contract there is no case
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

I've contacted Key Bank several times asking them to apply additional payments to my principal. The first time I was told I couldn't do that. The second time I was told I had to pay the principal reduction before the XXXX of each month. The third time I was told I had to make the regular and principal payments together. The last time I was told that they would try to apply this additional payment ( paid in XXXX ) to principal but that it would not show up until next statement and that I had to call each month to have any additional payments applied to principal reduction. I told the representative that I'm trying to pay down the loan but he said that if I did not send the additional payments via mail, I will have to call each month. They are also changing my regular monthly payment so that I continue to pay the high interest rate. The interest rate is 11.29 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been having problems with all XXXX  credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.
Product: Credit card

In XXXX, 2024, there was an issue with a purchase made with my Fidelity Rewards credit card issued by Elan Financial. I immediately notified Elan of the issue and started the dispute process for the transaction. Throughout the process, Elan asked me multiple times for various pieces of information and I provided thorough documentation showing that the merchandise was returned and that the merchant failed to provide credit for the transaction. Despite the clear evidence, Elan did not help resolving the dispute and returned the disputed amount to my credit card balance on XX/XX/2024. Now I am unable to reopen the dispute on their website for some reason, but a credit of {$730.00} is still due to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  # XXXX Experian, XXXX XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I paid the balance of XXXX to national credit systems and the depute off my credit report continues to get denied I have full documents on it
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
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. Bank XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife Ocwen loan servicing acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.
Product: Debt collection

I reached out to asset care LLC in regards to a medical debt they are reporting on my credit report. I don't recall ever having outstanding debt for a medical bill and never received any notices from any hospital or third-party collector. When I reviewed my credit report last month I was surprised to see this account reporting. I acted promptly and mailed out a debt validation letter on XX/XX/2021 as I am not aware of this debt at all. It has been over 45 days since the letter was sent out and I have not received a response. The letter was sent out certified and I saw that it was received. That said this account continues to hurt my score when it should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the Bankruptcy account listed below is still reporting on my credit report which is a violation of FCRA. The XXXX XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as their verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the bankruptcy account below in my file XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; US DEPT ED XXXX Balance : {$8800.00} ; US DEPT ED XXXX Balance : {$1900.00} ; US DEPT ED XXXX Balance XXXX {$1000.00} ; US DEPT ED XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6900.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.
Product: Checking or savings account

I opened a Wells Fargo checking account that promised a {$300.00} bonus by meeting certain conditions : {$25.00} opening deposit and {$1000.00} in direct deposits within 90 days. There was no code needed if you clicked directly on a link online ; only a code was needed if you did it in person. I absolutely clicked on the link and exceeded the required terms. I have no proof I clicked on the link. I have made numerous calls to Wells Fargo regarding this issue. I received a letter dated XX/XX/23 that account was not opened using required link. This is absolutely false. Again, I have no proof - no code was required. I was on the phone for XXXX minutes and the only resolution was to file a complaint through Wells Fargo. With the customer service I have received so far, I knew this would be a waste of even more of my time. 
Due to the wait times to talk to representatives regarding checking account bonuses, I think they are denying many people their rightful bonus.
Product: Mortgage

I have been trying to contact Change Home Mortgage XXXX XXXX XXXX Mortgage, requesting that they audit my mortgage because there is a error of one 1/2 payment that was applied to the account wrong. Thus, my payments are not reflecting they way I have been paying my mortgage. I have requested an audit be done to find where the mistake happened. 
On XX/XX/2024 my mortgage was sold from Change Home Mortgage to Planet Home Mortgage. I believe the error happened with the servicer Change Home Mortgage. 

I first contacted them ( XXXX ) in XXXX, and let them know that there was a problem. 
I spoke with XXXX XXXX and I thought she understood the problem and corrected it. Now I have received my first statement with XXXX XXXX mortgage and realize that it has not been corrected. 

I have a printed schedule of payments and all the statements we have received so I am needing someone to do an audit to figure this out. Neither company wants to do an audit to find the error. 

Please help.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/XXXX and noticed some things that are incomplete and not accurately reported. 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 general, 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 ( ii ) 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy TransUnion states they verified it but I sent TransUnion a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I went to XXXX XXXX XXXX XXXX  to have an X-ray on my lower spine. I initially told the staff member that I'm a XXXX XXXX member and provided the document from the State of New Jersey that clarifies I do not have to pay a co-pay afforded to me by the state. Unfortunately, I started to receive a co-pay bill for the amount of {$81.00}.
Product: Mortgage

I applied for mortgage refinance XX/XX/2021 with Arvest Bank. They required {$500.00} fee. All the information they requested I provided by person and email. My credit score is above XXXX, income six figures. Every month they requested bank statements and credit reports/scores. My mortgage was then appraised for less than original home purchase. This process went on until XX/XX/2021. Two days prior to the closing, Arvest informed me that I needed to provide another bank statement and credit report which required unlocking it several times. Needless to say closing never occurred. I contacted Arvest about the issue on several occasions. I was told that my account was transferred to different people so it was just miscommunication. I refinanced and closed with another lender 45 days later. I requested refund of the {$500.00} and was told it was used for the appraisal.
Product: Mortgage

I have tried to reach out to Carrington mortgage several times to resolve this matter and I got a note back theyre going to wait 60 days, as I stated earlier, they are trying to play a game to try and say I default it. Im also going to the New Jersey division of banking which also governs companies like theirs. I already told them that theyre going to try to go wait till the XXXX of this month and then say Im two months behind, which is not true because the online payment is on the way, and I only owe them to Payments till the end of the year. the evidence has been presented to you also to the FHA to my attorney, the New Jersey XXXX XXXXXXXX, and now Im going to turn over this information over to the local television programs to expose their fraudulent action. Somebody must stop there on ethical behavior, I want this information published everywhere because Im quite sure they have done this or theyre trying to do it to other people. It does not take 60 days to take some papers from one office to another, as I said, I dont know what goes on in that back room, but about time it gets exposed on the television said they should resolve this matter for me before 60 days. Please publish this information so other people can see how Carrington LLC operates. Perhaps it will be expose on the television first because this is ludicrous no reputable bank or no reputable organization takes that long to do a math problem. they should stop trying to act like loan sharks and start behaving like reputable business people if they go to my attorney by the XXXX I know that they are lying and I have already alerted him and Im also going to the press about this matter.!!!
Product: Credit reporting or other personal consumer reports

I do not agree with the account that is listed on my report. This company stated that they investigated the account, but I would like for it to be re-investigated immediately. The accurate information is highly affecting my credit and livelihood. In accordance with the fair credit reporting act, public law, 91506 title IV section 611.I did not receive validation. I am requesting the names and business addresses of each individual who verified the information so that I can follow up with them about this. Please send an updated copy of my credit report after your investigation has been completed. 

Account XXXX XXXX XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company offered to remove a late payment from XX/XX/2020. XX/XX/2020 is not showing 30 days late, XX/XX/2020 is showing 30 days late and it is the month that I am requesting to be corrected. I appreciate the CFPB 's efforts in attempting to resolve my dispute and this company 's ignoring the CARES Act. My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. The letter that the company provided is nice but it does not allow me to recoup my points. I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debt but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that did follow the CARES Act and just recently mailed my title to me. I am asking for this company to cease this unscrupulous behavior and correct my credit report today. Otherwise, it looks like a FCRA case is in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts 1. XXXX XXXX/XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/XXXX