23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is affidavit of the truth. My XXXX XXXX XXXX truck was illegally reposed XXXX/XXXX/XXXX from XXXX XXXX XXXX out of XXXX Alabama. This was my deceased husband truck who passed away XXXX/XXXX/XXXX. My XXXX year old daughter inherited my deceased husbands truck when he passed away. In XXXX I received the title and XXXX letters from USAA that truck was paid in full. USAA claims they have no documents on the truck and I have no contract it is a done deal. They stated I have to talk to XXXX and XXXX. They also stated I have a contract with these companies. I have asked for proof and sent XXXX certified and also a XXXX page fax. As of today XXXX/XXXX/XXXX no debt has been proven to me. My vehicle has been stolen from me and I do plan to go forward and sue and what I have learned XXXX companies are involved with this criminal matter. XXXX from XXXX stated they are going to auction my XXXX XXXX XXXX my property who I have the certificate of title and XXXX letters from the bank. This has done an emotional number on myself and my XXXX daughters. I do hope you look in to this and demand the auction to be stopped and my stolen property to be returned ASAP! I have also put a lien on this vehicle as I am the true and only owner. I have also been to the Probate office and they also stated I was the true and only owner per XXXX XXXX. It was also brought to my attention the title was transferred in to my name XXXX XXXX. I find this odd as I had this done when my husband passed away XXXX/XXXX/XXXX he was a veteran served his country and this is the thanks his family receives. I want my stolen property returned tomorrow. I also do n't recall giving permission to these copies to trademark my name or copyright. Please take care of My XXXX XXXX XXXX asap. If Securitisation is illegal under US legislation - primarily because it is fraudulent and causes specific violations of R.I.C.O., usury, Antitrust and bankruptcy laws. And it flies in the face of public policy in numerous ways, as is expounded in extensive detail in an analysis to be published in our journal Economic Intelligence Review XXXX ( XXXX ) with several pages of book, article and case references. 

To begin with, securitisation violates US State usury legislation. Secondly, all 'true-sale ', 'disguised loan ' as well as 'assignment ' securitisations are essentially tax evasion schemes, and the penalties for tax evasion in the United States are excessively severe.
Product: Debt collection

I have received repeated phone calls & a letter from Source Receivables Management in relation to a XXXX XXXX XXXX debt which I am wrongfully accused of not paying. While I do have a XXXX account, the account in reference ( under the name " XXXX XXXX XXXX XXXX is not one that belongs to me ( I am XXXX XXXX ) .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?
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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 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 the 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I lived in XXXX XXXX in the XXXX and had electric service with XXXX XXXX XXXX. I moved to XXXX XXXX in XXXX  and canceled my service with XXXX XXXX XXXX. 
Recently a company named Helvey And Associates has placed a collection on my credit report for {$2000.00} owed to XXXX XXXX XXXX. I have not done any business with this company since XXXX  and seriously doubt that if I did owe {$2000.00} on an electric bill, my electricity would have been shut off long before the bill got that high. 
I filed a dispute with XXXX, and it returned as " Verified ''. I called XXXX and was told that they do not investigate the information themselves and only report it. They told me that the companies do their investigations and report their results back to XXXX. I believe that this means that the collection companies can keep reporting it as they want. I do not understand how I could have this on my credit report from XXXX  years ago. 
HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Student loan

I was told by a third party student loan that I qualified for my student loan to be forgiven. they said that {$6000.00} of my student loan had been forgiven and that i would only be responsible for {$3000.00}. They set me up for a payment plan started deducting {$170.00} from my bank for the f irst five months and after that {$10.00} a month. I realized my money was not going towards my loan when I called to ask for the  payment history. I have been trying to reach out to the person who set me up for this student loan forgiveness plan but have not been able to get a hold of him.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX - Account Number:XXXX
Product: Money transfer, virtual currency, or money service

I purchased two Google XXXX XXXX XXXX over the last two weeks, one for {$10.00} and one for {$15.00}. When I attempted to redeem the cards, I got an error message and a prompt for " more info. '' The first time, I got a reply from Google that is meaningless garbage about my account or card not being eligible for appeal. I'm sure that this is going to happen again. 

I want {>= $1,000,000} cash to recompense me for my time, stress and aggravation of dealing with this, {$50.00} to recompense me for the money spent on these cards and an explanation on what their response even means, because being told my account or the cards are not eligible for appeal tells me less than nothing other than that Google is attempting to commit fraud and hide behind flimsy excuses to perpetrate it.
Product: Consumer Loan

I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.
Product: Debt collection

In XXXX 2016 I paid off a medical bill three months early. I paid electronically thru the Healthcare Financial website. I received a confirmation email. In XXXX XXXX with Healthcare Financial called saying I owed money and had not paid since XXXX 2016. I informed her of my payment in XXXX and gave her my confirmation number. She informed me they were in the process of switching their collections system and I may have received an email confirming payment but that did n't mean the payment went thru. With her on the phone I checked by bank account and confirmed the money did come out of my account. She said she would review the account and call me back. The next several days I called to check on my account and spoke with XXXX on XXXX XXXX and XXXX on XXXX XXXX. XXXX requested I fax her a copy of the email and a copy of my bank statement. A manager called me later in the week and informed me they were looking into the account and that they would place a hold on my account until the issue was resolved. XXXX XXXX I received another call from Healthcare Financial asking for payment. I informed " XXXX XXXX '' of the previous conversations I had with HFS and of the faxed documents I had sent on XXXX. She asked that I fax them again. I did fax the documents.. The next day I happen to receive a letter from HFS requesting payment as well. 

I have paid this debt and provided paperwork to prove the payment did come out of my bank account and the company itself sent me a confirmation email.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notified Experian of fraudulent accounts and was told to send again identification and ss which I already provided, so please see attached AGAIN FTC and copy of ss and identification for the second time
Product: Debt collection

These law firm send me a superior court of nj XXXX county special civil letter in the mail.. saying that I owe XXXX XXXX XXXX XXXX {$5000.00} dollars..and that's not true. They said they were going to garnish my check. This is not right.i call them and I spoke to a woman name XXXX. And she said if it wasn't you go get a police report.and that's what I did..I call XXXX XXXX XXXX XXXX they are sending me a fraud in the mail .. and public service told me I don't own no XXXX like I said I don't own no XXXX -XXXX  to XXXX XXXX XXXX XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

After becoming aware of the security breach at Equifax, I checked their website to see if I had been potential affected by the breach. The website stated that it had in fact potentially been affected, but unbeknownst to me, in acquiring this information I had also waived might right to pursue any legal action against them ( this message was not displayed anywhere viewable on the page, but was apparently in the fine print ). Immediately after learning that I had been possibly affected, I attempted to place a freeze on my credit through Equifax online ( this was XX/XX/XXXX ). The website denied the request, stating I would have to send in physical copies of my SSN and other sensitive personal information to complete the request. However, my bank account was immediately charged the {$10.00} fee for a freeze request, despite it not going through. I attempted to reach out to Equifax via phone, email, live chat, and even XXXX with no response. Later on XX/XX/XXXX I called their automated freeze request line and was told that the freeze had been successfully and provided a PIN. My bank account was then charged AGAIN for the freeze request, another {$10.00}. With no way of getting in touch with someone at Equifax, I feel helpless. I was able to speak with one man at the dedicated Equifax Hack information line, but he had no idea what I was even talking about and continued to repeat that " they were working diligently to get the website working. '' I had to hang up after getting nothing else out of him. I 'm terrified that after this massive security breach, even freezing my credit scores wo n't be enough to protect myself, and being charged double by Equifax, who is actually at fault for this, is just adding insult to injury. I do n't know what else to do. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax and XXXX are reporting my Home Equity Line of Credit debt / balance as " Revolving Debt. '' However, they are not reporting my HELOC credit limit as part of " Revolving Credit. '' As a result, my credit report from these agencies shows Revolving Credit Usage exceeding 100 %.
Product: Debt collection

Sometime in XX/XX/2014 there was 2 accounts that was opened in my name. Did not know about this debt until recently. I called the debt collector and explain the situation and asked them to provide where I signed my name and copys of my drivers license proving the account was mine. I have also had someone stole my personal information in XX/XX/2014 at tax time. The company only sends me copys of the bill but nothing with the original contract when the accounts was opened. I want these two accounts removed off my credit reports.
Product: Money transfer, virtual currency, or money service

Hi, PayPal close my account and they don't want me get back. 
I do not made any fraud or chargeback activity in my account. 
I check my account and everything was ok. 
is more than 180 days, no dispute, no chargeback, my account is in good standing. 

my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account ending in XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. On Experian the account is reporting 30 days late XXXX XXXX, 60 days late XXXX XXXX 90 days late XX/XX/2017. For XXXX the payment history for this account reflects 60 days late XXXX XXXX  90 days late XXXX XXXX 120 days late XX/XX/2017. I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments
Product: Checking or savings account

I went to Huntington Bank on XXXX XXXX XXXX XXXX XXXX, XXXX to make deposit I give my checks to XXXX XXXX XXXX, I give her my ID and my Bank Card, she gives me the receipt. When I check the receipt, my balance was incorrect I ask her to check everything and she told me that is correct balance I was scared that someone stole my money, I come home and check my account. The balance was correct not like on receipt when I check the receipt and my account nr. the nr on receipt was totally different. I come back to bank and find out that she the posit my money to totally different account which was not my. she was very rude no explanation or apology. I need wait so manager can fix this problem. Also is not her first mistake. She should not work in the bank she is very irresponsible person. Its happened on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX ( XXXX : {$3100.00}, late payment ) XXXX XXXXXXXX  # XXXX ( XXXX  : {$4000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$20000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$4500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$5500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$5500.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$2000.00}, late payment ) EQ XXXX  # XXXX ( XXXX  : {$12000.00}, late payment ) EQ XXXX # XXXX ( XXXX  : {$340.00}, late payment ) EQ 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Bank of America closed my business checking account. And upon closing they refused to send or release the balance on the account upon closure. They do not have any legal rights to the funds and these are legitimate funds that belong to my business