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 customers 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

My account with 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 60 days 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.

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 XXXX
Product: Mortgage

RECOVCO Aside from the entire loan process with RECOVCO being disorganized and last minute with, their unrealistic last minute requirements ( Audited and signed business accounts and statements ), or the failure to complete a product 1 weeks from the close date. Underwriting would not approve the load which was easily pre-qualified for. They changed the loan to another type of loan ( using my personal Business bank Statements ) which hikes up my interest rate 1.4 points to 6.37 % - costing me over $ 1000/mo in payments. I feel that was predatory lending and I had to just take it or risk losing the house altogether I received my XXXX for for tax purposes yesterday XX/XX/XXXX. Luckily With my personal and businesses taxes ( due XX/XX/XXXX ) I filed an extension with the IRS. The cost savings with this late XXXX with mortgage deductions and deductible points, my tax liability was reduced by nearly {$5000.00}. I understand that it is law that all tax forms must be mailed out by XX/XX/XXXX. I can not help but feel that RECOVCO, out of some sort of malice or total incompetence, sent the XXXX out late. I also feel they purposely mislead me if the original loan was not going to to go through and expected all along to put my in a higher rate more costly loan. I would like to re-finance but I can not for one year. RECOVCO sold the loan the day of my close of escro. Essentially paying $ XXXX, primarily in interest for the first year to a company i feel cheated me out of that lower interest rate. 

I can attache photo of bar code on the mail, to prove the date scanned by the post office if that is required upon request, i left the envelope at home
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was XXXX. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.
Product: Checking or savings account

i have power of attorney over a lady who is XXXX yrs old and she has 2 accounts at BB & T bank with over XXXX the account is in her name and a ladies name that was supposed to help her. but neither account requires 2 signatures to take her money out. so we went to get a cashiers check so we could switch banks for her. first time we went was on XX/XX/XXXX and we were told we could not do this unless the other woman was with her. with this being told we are almost sure that this is the other womans friend. so on XX/XX/XXXX we went to the main branch in XXXX ga and they told us that we could not have her money until she came inside the bank and they could determine if she was of sound mind and body, so we ask for a appointment since the bank lobby was closed due to covid. we were told no we could not we just needed to wait until they decided to open back up.we ask for a cashiers check, which they refused to give us, I ask them at this time to please call the police and they refused to do that also. They would not tell us no reason why we could not get the money but was extremely rude and made several sarcastic faces at us which can be seen on their camera 's .. They contacted the other woman and put a freeze on the account where she can not have no access to her life savings. I called their corporate office in North Carolina and they have set up a investigation on XX/XX/XXXX which i have not heard from since. Meantime I ask corporate to put a freeze on the accounts also so noone can steal her money. but they are with holding money from her that belongs to her and that she has a legal right to have when she wants it and this is highly disturbing to her esp since she is elderly and is in fear of her money getting ripped off and she can not understand why she can not have her money in a cashiers check.
Product: Checking or savings account

On XX/XX/year> I received an email from Optum Bank with a fraud alert asking if I had spent {$84.00} on XXXX Eats. I immediately recognized this as a fraudulent charge and I responded by logging into my checking account to lock my debit card ( which I am still in possession of ) and check my account. I locked the card and located fraudulent charges on my account. I notified Optum of the first statement I am challenging as fraud on XX/XX/XXXX. The first statement which I am challenging is the XXXX XXXX which I received on XX/XX/XXXX. Under the 60 day guidelines, XX/XX/XXXX is within 60 days of XX/XX/XXXX. All of the XXXX, XXXX and XXXX fraudulent activity should be covered. I believe the actual fraudulent amount is {$4400.00}. I believe Optum is engaging in unfair and deceptive practices in this matter and needs to correct it. They are deceptively using their own vague interpretation of their policy in order to not cover the fraud when their policy does in fact show I should be refunded. I also want to note that I asked XXXX about the data breach that occurred at XXXX XXXX Optum unit in XXXX of XXXX. I want to know if my information was leaked in this breach and if it led to these fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report indicates that there are 3 delinquents as of XX/XX/XXXX from Ocwen Loan Servicing. Accounts ( XXXX ) and ( XXXX ) My records indicate I no longer owned the property as of XXXX.
Product: Debt collection

AARGON AGENCY INC put a record on my credit history with for previously disputed medical bill which was paid by my insurance. I also never received a intemized statement. This company is acting in bad faith and against consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including it again. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

my XXXX XXXX is paid and full and i would like to have it removed from my credit report. 
There are also addresses and phone numbers and misspelled names that are incorrect and should be taken off my report. 
XXXX XXXX is also paid and full and would like to have that balanced updated to show that it is paid and full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR 7 years Discover has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. Discover is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of discovers first investigation and subsequent reinvestigation, discover stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? Discover has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, DISCOVER has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).  Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO DISCOVER OR ANY OF THESE NEGATIVE ACCOUNTS! DISCOVER HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM DISCOVER BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

On XX/XX/20, I used my Chase Sapphire Preferred credit card to book 3 days of lodging over XXXX XXXX Weekend through a company called XXXX XXXX XXXX ( similar to XXXX  for families ). The card was charged {$910.00} for the initial deposit. My wife subsequently became pregnant with XXXX and her XXXX   forbid her to travel due to the XXXX being high risk. When we tried to cancel the trip at the end of XXXX, XXXX & XXXX said we needed to use our travel insurance through our credit card due to their emergency COVID-19 cancellation policy. I assumed I had travel insurance through my Chase card based on their advertising. When I contacted Chase Card Benefit Services they told me I needed submit a claim through eclaimsline.com. I submitted all the requested paperwork and eclaimsline told me I needed more documentation. When I submitted that they told me I needed even more. Before I could finish submitting the extra documentation I received an email that the claim was denied. It seems that others have had similar experiences with Chase and eclaimsline based on online posts. Chase does not make it clear that they outsource their travel insurance benefits and that eclaimsline is not a reputable company. These links below depict other examples of this fraudulent behavior on the part of Chase and eclaimsline. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I performed my obligation to settled the account. I instructed the company to send to legal department or indentured trustee who handles registered securities and process them. It was also in the instructions if I missed a step or made an error to write me back through mail to fix the issue in order for them to process and settled the account as accord and satisfaction. I am willing to correct the error if they can inform me on it. This has become a billing error and my account is not reflecting the correct amount that the interest be applied to the principal 's account to set it off and bring it to zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. section 602 A. 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 a account without my written instruction.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any puropose
Product: Credit reporting or other personal consumer reports

I filled a disputes on DEPT OF ED that starts with XXXX, XXXX, XXXX, XXXX due to my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentially of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information.

In addition : According to Federal Law 15 U.S Code 6802, no financial institution can share my non public information with a third party entity.

Moreover : According to the Fair credit Reporting Act ( FCRA ) section 605B. It is Illegal to report information on my credit report with out my permission.

My rights are in CLEAR violation. 
I requested they immediately cancel and discharge this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information and this is affecting me being able to get a house.
Product: Debt collection

I have been trying to get this company to validate the debt since XX/XX/2019 and they still have not validated or removed this from my credit report they have sent a bill and a letter stating that the debt is validated and I have asked for the investigation results and nothing they want validate the debt and want remove it from my credit report so I am asking either you validate the debt or remove it from my credit report but this company is not validating the debt but just letting it sit on my credit report as a derogatory mark.
Product: Mortgage

Subject : Complaint Regarding Mortgage Closing Documents and Foreclosure Action I am writing to address concerns regarding the mortgage closing that took place on XX/XX/XXXX, and the ongoing foreclosure action against us. 

At the closing, my common law wife and I requested copies of the signed documents and were promised, by the title company representatives and bank representatives, that they would be provided. Despite the promises and repeated requests, we never received the closing documents when initally requested. Only after my wife filed complaints with the CFPB and additional correspondence from us, did we get the closing documents from XXXX XXXX. On XX/XX/XXXX, we received a denial of the rescission request, from the current serviceing company, as well as the mortgage application and other items. 

Under 12 CFR 1026.23 ( h ) ( 1 ) ( ii ), which addresses the right of rescission at foreclosure, it is clear that if the required disclosures are not provided, the borrower may rescind the transaction. 
I respectfully request acknowledgement of our rights under 12 CFR 1026.23 ( h ) ( 1 ) ( ii ) and an investigation into the matter. I look forward to a response and a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries 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 inquiries removed from my file. 
XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that a collection account from XXXX XXXX ( Account # XXXX ) is being reported inaccurately. The reported amount was {$160.00}, and the account status is marked as Collection/Charge-Off, despite showing a {$0.00} balance and being closed. 

I do not recognize this account as valid, and I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to request a reasonable investigation into the accuracy and legitimacy of this entry on my credit report. I have disputed this information with the credit bureaus, but the account remains without proper verification. 

I am requesting that the furnisher provide documented proof supporting the accuracy of this account, including original agreements, payment history, and proof that they have the legal right to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped 179 points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of 17 years. NO late payments. Ever. My personal assets are significant. I dropped from 797 to 618 In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??