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. I am filing this 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

XXXX lowered my credit limit for no reason. When I called to make a payment, I realized my credit card account was closed without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Mortgage

I was in a forbearance period due to COVID-19. As soon as I was able, I contacted the mortgage company which at the time was XXXX XXXX XXXX to request a loan modification. I received the paperwork, it was acceptable and I signed and had notarized all of the documents. In the meantime, I received some correspondence from Community Loan Servicing that they had purchased my loan. I didn't care as I was told they would honor the agreement I had signed with XXXX. I spoke with tons of representatives over the course of time trying to find out who I was supposed to pay, how much, when due, etc. but got the same response every time that they were working on it. At least six months have passed. Last week I received a loan modification packet from Community Loan Servicing which has been completely redone. The interest rate is higher as is the monthly payment. I had already signed the documents for the forbearance loan prior to my loan being sold. I didn't believe that selling a loan changed the terms. I would like to move forward with the original loan modification that was signed and delivered according to instructions. I don't believe I should be penalized because another vendor took possession of my loan. I didn't have a say in that. Please respond as soon as possible. I'm so worried that if something doesn't happen soon my home may be repossessed. Thank you for your time.
Product: Vehicle loan or lease

ON XX/XX/XXXX I ENTERED INTO A CONTRACT ACCORDING TO THEY PAPERWORK MY ISSUE IS ONCE I GAVE THE CARE BACK IN XXXX THE CAR WAS SOLD, I RECIEVED NO INFORMATION ON THE SALE! ONE I LOOKED AT MY CREDIT REPORT I SEEN XXXX DOLLARS THAT INACCURATE! BEEN CALL THEM FOR SIX WEEKS TWO AND THREE TIMES A DAY WITH NO REPLY THIS NEED TO BE FIXED OR DELETED FROM MY REPORTS
Product: Debt collection

I had a private student loan from XX/XX/XXXX for 3-4K and have had no contact nor received anything from this company Citibank Student loans since XX/XX/XXXX-XX/XX/XXXX.  This collection agency claims that now my balance it XXXX and because it was charged off in XX/XX/XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XX/XX/XXXX since Citybank charged it off.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX  XXXX Bankruptcy Federal XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back on XX/XX/year> I requested debt validation for the collection companies on my credit report in writing to the credit reports and collection companies. I received nothing back yet these companies are still listed on my report. 

More specifically I called XXXX XXXX on XX/XX/year> ad requested to know why I had not received the information and they said I would receive it but instead they transferred it to True Accord to collect on the debt. 

I called again today XX/XX/year> and requested the info and the rep said only the rep XXXX XXXX can get it to be and he sent it by email which he did not. 

I told her i dispute this amount and debt in all and would like it removed from my report i also advised I would be filing a CFPB report
Product: Payday loan, title loan, or personal loan

I ordered an XXXX XXXX XXXX XXXX XXXX  through XXXX, which took me to XXXX to complete the transaction. After a a credit approval from Citizens One, I got confirmation of the order and access to credit account. 

But by the promised XX/XX/XXXX, I hadn't received any information about shipping or anything else. XXXX XXXX ( the company offering the XXXX XXXX stopped responding to any questions via email on XX/XX/XXXX, and the numbers listed for support were for Citizens One, not XXXX XXXX. 

Finally on XX/XX/XXXX, I was notified via text from Citizens One that the product was not in stock, and my order could not be placed. Citizens One opened a line of credit for a product that was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX searching XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have not given any of these companies written permission to run my credit i have asked experian to remove these inquiries several times and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan from 2011 was reported as last payment received on XX/XX/2011 for XXXX and XXXX. Equifax is saying its XX/XX/2011 and will not be removed until after XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XXXX. This XXXX account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
Product: Credit reporting

I signed up with XXXX for my cable service and authorized them to do XXXX hard inquiry. Equifax is showing XXXX hard inquiries from XXXX on my report all XX/XX/2015. I have contacted both companies to have them removed to no avail.
Product: Checking or savings account

I opened a savings account and deposited a check into it. The check cleared on XX/XX/XXXX XXXX XXXX Then on XXXXXXXX XXXX I received an email saying my account had been closed with out any further information as to why. I called them after waiting 2 months for my funds to come by check in the mail and all they could tell me was that my account was closed and if recorded a check 7-10 business days from the date it was closed. I called another time to request account information and status of check that I hadn't received and they tell me they can't find any information on my account ever existing. I find this ridiculous and it's put me in a bind financially.
Product: Credit reporting or other personal consumer reports

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

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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transaction worth {$20000.00} from my Axos Bank 's managed portfolio ( build wealth ) to my bank account. This bank account has always been linked to my Axos bank account & has been used to fund it in the past. 
The transaction showed as successful & indicated 5-7 business days to complete. Even after XX/XX/XXXX, the amount wasn't transferred & the transaction disappeared from the list. I also started a support ticket to which there was no reply.
Product: Credit reporting

An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.
Product: Debt collection

ConvergentXXXX has attempted to collect a debt owed by another individual with the name that I have ( an incredibly common name in the United States ) because that individual lived in the same apartment complex that I lived in more than 15 years after I did ( note, it was a different UNIT in that complex and again, the debt is from a period more than 15 years after I moved out of the apartment complex ). I have tried to explain this to them, but they are basing this solely upon a name. You can not call their number listed on their website or in their communications because it will tell you they are not currently available and hang up on you even during normal business hours ( I have tried numerous times ). 

In response to trying to explain their mistake they simply continue to say they have verified the debt. Again, this is definitely not my debt as I was not living even in the same state at the time, never had an account with the company they are referencing and simply share an incredibly common name with somebody who lived in the same apartment complex ( again different unit though ) 15 years after I did.
Product: Credit card or prepaid card

Please be advised I am disputing this amount as I never received the item and requesting the transaction to be cancelled. The business failed to cancel my transaction and continues to bill me.
Product: Money transfer, virtual currency, or money service

So Venmo locked me out of my account almost XXXX years ago. They said I had a negative balance. But could never tell me what transaction caused it. Fast forward to Monday XX/XX/year>. Someone sent me a Venmo for {$1300.00} and I have no access to it my account is locked they are still unable to come up with a explanation on why I can not access the fund or find the apparent transaction which apparently cause the account to go negative and lock my account. When I call they place me on hold and hang up. In the last week I have spent over XXXX hours on the phone with them and no solution has been offered, better yet there is no explanation as to why I cant access my money.
Product: Credit reporting or other personal consumer reports

XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my Experian, XXXX and XXXX XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned XXXX  from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my XXXX XXXX. I have disputed this numerous times to deaf ears. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History XXXX  Borrower payment records Experian XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Debt collection

I paid XXXX XXXX on XXXX and XXXX XXXX in XXXX  XXXX {$250.00} approximately for a year membership up front, No contract. Not only no contract but no payments except the initial one was made. XXXX does not have any record of me owing them anything and has never reached out to me. I had to reach out to them. When I attempted to contact via email with this Aldous & Associates company I can not. I have no idea what verbiage is going to be used if I call into that company and Im afraid the recording at the begining could be shady or something. I dont want to agree somehow or get locked into a debt I do not owe. I have read reviews and it appeared something of that nature is happening. I do not owe this money, they are incessantly emailing me and I am really very positive this company is incredibly aggressive, shady, and dishonest. I almost feel as if they possibly are doing this behind XXXX XXXX  back. I dont owe this money, I am waiting to try to get my credit pulled on monday to see if these scam artist actually were able to effect my credit.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Equifax Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a direct result of identity theft stemming from the Equifax data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove fraudulent information from my credit file upon notification and supporting documentation. 
The fraudulent items I am disputing include : 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 To XXXX XXXX your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address utility bill or bank statement A copy of a FTC Identity Theft Report Due to Equifaxs failure to protect my personal information, I have suffered financial harm and reputational damage. I demand that Equifax immediately remove all fraudulent accounts and inquiries from my credit report and provide me with written confirmation of the deletions. Additionally, if any disputed item is reinserted into my credit file, I expect Equifax to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Mortgage

BOUGHT HOME ON XX/XX/XXXX WITH XXXX XXXX. RETAILER OF HOME ISSUED WARRANTY OF ONE YEAR TO " FIX '' AND " FINISH '' THINIGS WITH THE HOME THAT COME UP OVER THE FIRST YEAR. 

CLOSING DOCUMENTS HAD THE HOME LISTED AS A XXXX MODEL HOME- THIS WAS SOMETHING THAT WAS VERY IMPORTANT WHEN CHOOSING A HOME THAT XXXX WOULD FINANCE. 

WHEN MOVING IN ON XX/XX/XXXX, AND RECEIVING OUR " WELCOME HOME '' PAPERWORK, WE WERE TROUBLED TO SEE THAT OUR HOME WAS NOT INFACT A XXXX MODEL BUT WAS A XXXX LOT MODEL. 

THIS DISCREPENCY MADE US WORRY THAT THERE WERE OTHER WAYS WE HAVE BEEN DUPED BY THIS RETAILER AND HAVE HAD MANY OTHER PROBLEMS WITH THEM SINCE THEN, NOT HONORING THE WARRANTY AND OTHER THINGS EFFECTING THE SAFETY AND STRUCTURE OF OUR HOME.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time ( XX/XX/XXXX and XX/XX/XXXX ). The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX I'm not requesting you investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.