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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform.

Despite using Zelle numerous times and reporting 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 CFPBs 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 scam.This Lacks of accountability and transparency is unacceptable and raises serious concerns about my safety and others.
Product: Checking or savings account

I was charged numerous overdraft fees unknowingly between XXXX by navy federal credit union XXXX
Product: Vehicle loan or lease

I live in Florida and I'm being affected by COVID 19. My husband and I are XXXX XXXX XXXX and have not been able to work full time since XX/XX/XXXX 2020. In XXXX I asked for a deferred payment and was given only 1 month. They don't offer more than 1 month. I made payments in XXXX, XXXX, XXXX, and XXXX and a partial payment for XXXX. Today XX/XX/XXXX, I called and asked for a payment extension for 1 month and was told that even though I'm being affected by COVID19 they can not help me because of company policies even though they claim your account need to be 20 days past due for an extension to be offered. 

It seems West Lake Financial has made up regulations to block customers from receiving help due to financial hardship. They claim you need to be 20 days past due to receive help but when you call them, they say you don't qualify because of another rule/policy. So there are company policies that override other policies in an effort not to offer assistance to customers. The aim is for customers to become so far past due that they could repossess their vehicles. 

I think this policy is wrong and they should be investigated for not treating customers fairly. 

Westlake Services , LLC ( dba Westlake Financial Services ) : ( XXXX ) XXXX
Product: Debt collection

Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the XXXX system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been not only apart of data breaches but also the one from Equifax!! I have multiple items and addresses and inquiries that are on my XXXX  reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under 605b to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead Equifax said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had XXXX  days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the Consumer They are Violating the 605b and other codes with intent to harm me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never received information on how to resolve paying off these debts, from GE capital retail bank. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.
Product: Debt collection

After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report. 
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
Product: Credit card

I have been dealing with XXXX over 20 years, and have a full trust. 
I do not use any other charge card other than XXXX XXXX ever since. 
XXXXXXXX XXXX, which I had never heard, deceptively mislead me as XXXX. 
I never signed any user agreements with the bank.The following letter was sent and following emails have been ignored while they keep sending bills ( now {$370.00} ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. 
I am permanently XXXX due to XXXX XXXX ( XXXX  ) and XXXX. 
My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ). 
My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). 

Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. 

I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. 

I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. 

Please help me! I have proof my the last payment dates for all five accounts.
Product: Credit card

I opened early this month XX/XX/2023 an Inquire against CITIBANK VISA. XXXX Today I got its response Still stating they can't assist/ help me with this dispute against the merchant for {$1000.00} The reason as they stated is because " The merchant has denied additional request for credit, stating that services were rendered, and support evidence was provided ''. 
So What's about the information I provided you after That I had to go a XXXX merchant to correct the errors done by the First Agent? I had to spend money and Time for the same repair. 

Because it doesn't make Sense having XXXX disputes against the same merchant and you were able to resolve the XXXX Dispute and not this main one. 

In another part of the letter it says. I NEED TO CONTACT THE MERCHANT DIRECTLY OR BY OTHER MEANS TO OBTAIN CREDIT. 

Basically " you are throwing me under the bus '' I stated this because I didn't pay with Cash or Check to the merchant so I can deal directly with them, I paid with a CREDIT CARD you provided me and because of it You supposed to deal directly with them in order to get your money back, By all means even consider legal action against them. 

Under the FAIR CREDIT PROTECTION ACT that's my consumer right I'm invoking at this time I would like to have the CFPB Ombudsman to make CITIBANK VISA To pursue this Dispute even to take legal action against the Merchant bank. Because other ways it would an Indirect way for CITIBANK VISA saying to the consumers as myself " We can't resolve your problem you deal with them, and you need to pay us regardless, Thats your problem not us ''.
Product: Credit reporting or other personal consumer reports

This identity theft report with the FTC was not made in error and is not a material misrepresentation this account is fraudulent the federal law states that identity theft is a punishable offense and one could be held liable for 2 years in jail or {$5000.00} or both. A bank statement or any statement from third party is not evidence I owe a debt.
Product: Checking or savings account

Herein is my Response to Wells Fargo 's answer in aforementioned Case ID XXXX Respondent to the aforementioned complaint, XXXX XXXX of Wells Fargo Executive Office , continues to ignore any and all calls and voicemails to her direct number XXXX, I called on Monday XX/XX/2021 and left voicemail to return my call, no response, I called again on XX/XX/2021 and left voicemail to return call, *zero* response to date, all calls are unanswered and go straight to voicemail. Wells Fargo refuses to provide the required 12 character code " XXXX '' as XXXX supervisor informs me : without 12 character code beginning with " XXXX  '' Im unable to report the scam on XXXX reporting service Wells Fargo keeps providing me an invalid 10 character code to use with XXXX Reporting Mechanism. ( Please see enclosed attached evidence captured from XXXX XXXX XXXX as indicated in the evidence under Payment ID : XXXX Mandates all financial institutions to provide a Payment ID that is 12 characters long. 
I remain outraged that Wells Fargo closed all ( 3 ) three previous claims *before* providing the outcome of the receiving institutions action or inaction on the case, Wells Fargo is not informing me of the action or inaction of the receiving institution, Wells Fargo is not informing me what time frame to expect receiving institution action or inaction.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems is reporting different balances for the same accounts to different credit bureaus. XXXX is stating there isn't a balance owed and XXXX and XXXX are stating there is a balance owed for same XXXX accounts National Credit Systems keep reporting. They are damaging my credit worthiness and causing me financial and emotional harm. These accounts are in violation of the FCRA and I am DEMANDING the accounts being reported by National Credit Systems is REMOVED from my credit report.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I reached out with a few questions about my credit card. I asked about my APR. XXXX asked me to provide the three digits on the back of the card. I explained how would I do that when I haven't received the card? She said she couldn't help me without providing that information. I asked for a supervisor and was transferred to XXXX ( unsure of spelling as she refused to spell her name ). XXXX was very condescending and rude, making explain things over and over again. I could never get an answer of how I would provide the three digits on the back of the card when I was calling to say I hadn't received the call. Instead of resolving the issue, she disconnected the call after over 45 minutes. I called back and the hold is still over 20 minutes.
Product: Vehicle loan or lease

On XX/XX/19 I received a phone call from my daughter XXXX XXXX who has an auto loan with XXXX XXXX XXXX, she informed me that she just got off of the phone with XXXX credit manager who basically threatened her to send in a payment of XXXX by XXXX XXXX that date. Daughter who has been late with her payments due to the recent camp fire that not only destroyed our home, but lost her source of income due to business burned up, has looked to me to assist in making her payments. Granted payments were late, but non the less they were sent. Therefore I called XXXX XXXX XXXX   which I have permission to do so by my daughter and was transferred to XXXX the Credit Manager who was not only rude and had extremely poor customer service but had the same arrogant behavior that my daughter stated she encountered. I asked for his supervisor and he said that he was his own supervisor, I asked for his last name ; and he said that I only need to know his first name and hung up on me. The entire conversation with XXXX, he was rude and condescending and kept stating " you have 10 minutes '' meaning we had till XXXX to send the XXXX payment through XXXX XXXX. I attempted to make the payment through XXXX XXXX as requested but ran into problems with logging in. Therefore I called XXXX XXXX XXXX again and asked to speak to XXXX supervisor ; explained what happened and was informed that XXXX was his supervisor and was given her email and phone number ; I attempted to call XXXX ; which went to voicemail, left a detailed voice message and requested a return call. I also sent her an email explaining what has happened and as of this date ; still have heard no response. I called XXXX XXXX XXXX  at least 5-6 times within a 3 hour period and maybe 2 of the calls were handled appropriately and information was told to me that my information would be passed unto the appropriate parties. Almost 24 hours I still have not heard from anyone. I am extremely upset at the matter XXXX " the credit manager '' feels the need to bull dog or threaten consumers that if they don't make a payment by XXXX XXXX  today, that they are coming to repo the car. Maybe you should look into how a company is so willing to finance an XXXX year old who was working less then part time at a restaurant be financed on a $ XXXX automobile. Very disappointed in the professionalism and tact this agency has showed me or my daughter. I don't care what you say, NO ONE ever deserves to be treated in a matter of disrespect that XXXX the credit manager and his superiors have shown.
Product: Mortgage

NewRez/Shellpoint continues to collect PMI insurance on a mortgage that has clearly crossed the 70 % threshold ( as an investment property ) required for it to be removed. Based on the documents attached, you can see that the math they are using to support their findings is fraudulent. THEIR appraisal of the property is {$330000.00}. The balance is {$230000.00}. Mathematically, that is a 69 % LTV. The most recent call of XX/XX/XXXX @ approximately XXXXXXXX XXXX  ( which the recording should be reviewed ) was immediately after receiving a denial letter ( attached ) quoting a 70.11 % LTV, which was the actual ratio from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
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: Credit reporting or other personal consumer reports

Hard- Inquiries XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Checking or savings account

This bank said I owe money for something I have no idea what for
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My info was leaked during the Equifax hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were transferred or sold. As I do my research I learned that I am not liable for the alleged debt ; additionally, there is no written correspondence, contract, or signature. I feel that this accounts are adversely affecting my credit score I want this problem to get fixed asap. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report as soon as possible