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

I am missing a commission payment from my employer of {$4000.00}. The money was reported to have been sent on XX/XX/XXXX via the Zelle money transfer app. I got no notification of the payment via email which I normally receive, so I had no idea I was missing the money. Once I realized I was missing the payment ( which was several months later ) I began trying to locate the funds. My employer reports that she sent the money and her bank, XXXX, shows it was successfully sent via Zelle. According to my employer, Zelle also shows the funds were delivered correctly, however I do not have them. I have been working with my bank, XXXX XXXX, for months now in an attempt to locate the money. It was never deposited into my checking account ( we even checked savings account and any other place it could have mistakenly gone to ). I have provided my employer with all of my bank statements to show the funds were not received, which she has supposedly reported to Zelle. 

My bank has advised me that funds do get lost occasionally when using Zelle and that a dispute needs to be filed. My employer claims that her bank, XXXX filed such a dispute on XX/XX/XXXX and Zelle reported nothing other than the money was sent successfully. So essentially, her records show it was sent via Zelle, my records show it was never received. My employer is no longer helping me with the issue, and my bank tells me because I am the recipient and not the sender, I can not research the loss any further. 

I have received all other payments via Zelle successfully so my employer maintains the money was sent to the right place as she does not retype the email address when she sends commission payments. I have no other recourse to find the missing payment. I have placed many calls to Zelle and they are unable to give me much information because I am not the sender. One supervisor did tell me, if we did not receive an email notification of payment, then the payment did not successfully transfer. My employer did provide me with a transaction number which my bank used to try and locate the payment, and XXXX XXXX could find no information with the number provided. As it pertains to XXXX XXXX, the payment does not exist. My employer later provided me with a tracking number which again proved futile, as I was told by Zelle that was only a number that could be used by XXXX. 

Can you please help me locate the missing payment of {$4000.00}? I have a screenshot of a record my employer sent to show payment was made, and I have all of my bank statements showing it was not received, which I can provide when needed. 

Thank you so much for your help in resolving this matter. It is greatly appreciated! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been on XXXX since XXXX. Every year the date by which I must renew my application for this payment program changes. It 's been moved from XXXX XXXX, XXXX, to XXXX XXXX, XXXX, to XXXX XXXX, XXXX. This last date is particularly alarming because in order to complete the reapplication requires information from a completed tax return. However, the application renewal date is PRIOR to the IRS tax return filing date! Further, the notice I received this year did not provide a " reapply by date, '' but rather stated, " You must complete your application within 10 days of XXXX XXXX. '' Well, is this business days, calendar days, what? Why would n't they simply provide a specific date? And, why is it not the SAME RENEWAL date each year? It seems that the constantly changing renewal date -- which by the way, bears no relation to the date of my original grant of XXXX in XXXX, thereby often requiring that I renew in LESS than 12 months -- is a blatant attempt to catch borrowers by surprise such that they miss the renewal date. By missing their renewal date, Navient may force these borrowers to enter expensive rehabilitation programs before being allowed back onto the XXXX program, plus they will miss they credit for payments made outside the XXXX program! Renewal should be required not more than 30 days before the end of any 12-month payment program, and should NEVER be permitted to be required PRIOR to the standard XXXX XXXX deadline for filing tax returns! ( I attended XXXX, graduating in XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries.
Product: Bank account or service

Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019I viewed an update copy of my credit reports and noticed that XXXX XXXX Is reporting incorrect information on my credit bureaus file. XXXX   XXXX is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XX/XX/2019 disputed this closed credit card account directly with XXXX XXXX. XXXX XXXX responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from XXXX XXXX ). 
I have never documented in any of my disputes to XXXX XXXX " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. XXXX XXXX last reported this incorrect information on XX/XX/2019. As of XX/XX/2019I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

UN-AUTHORIZED INQUIRIES CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX a lawsuit was filed in XXXX XXXX small claims court for a XXXX XXXX XXXX account. Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, XXXX. Instead of going to court I elected to take the matter to arbitration with XXXX  as allowed in the credit card agreement. On XX/XX/XXXX the XXXX stayed the case pending the outcome of arbitration. There were no objections so the XXXX adopted the decision as the final order on XX/XX/XXXX. 

I filed for arbitration with XXXX in XX/XX/XXXX. XXXX XXXX never responded to the demand for arbitration and XXXX closed the case on XX/XX/XXXX. 

I have not heard anything about this since the XXXX case was closed until this week. I applied for a loan on my house. The property report came back showing a judgment owed to XXXX XXXX. There was never a judgment in the case and should not be one showing as owed! 

I confirmed with the XXXX XXXX XXXX of Courts that there is no active judgment for that case and the case is indeed closed. 

I could not find any information on the company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX led me to an address which came back to a phone number XXXX. That number was for a company named XXXX XXXX. I spoke to someone there who acknowledged they did work with XXXX XXXX in the past. He did not have any information on the account except that it was transferred to Resurgent Capital Services. I called Resurgent and the lady was able to locate the account. The account is showing in their system as a closed account as of XX/XX/XXXX. They do have a department that works with judgements/liens but they wouldn't talk directly to me so the lady had to 'escalate ' the issue to that department and said I should call back every few days to check on the status. 

There should be no judgement  or XXXX in place for this and I can not find answers to get it removed. At this point I will not be able to secure the refinancing because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person
Product: Mortgage

Nationstar Mortgage is sending foreclosure notices - we had to borrow against our house because of medical necessities and were charge 19 % interest on a $ 58K house. We got behind on our taxes but made a deal to pay them off with the City and met our payment schedule. Nationstar decided to go ahead and add that to our mortgage and pay the taxes off and add to the note. Then apparently we did not realize the full extent of a balloon note - seems like they went ahead and paid taxes off so we would owe them more in the end AND 19 % interest that the City would not have charged us. Plus insurance the same way. We are now being sent foreclosure papers and they offer no ability to repay or save our house in any way. We in no way understood the problems what we were signing up for. My husband became XXXX to work and I am working XXXX jobs trying to make any money. There was a loan modification after they paid the taxes off ( I was paying those to the City ) and my payments soared and now there is a balloon payment of the whole note. 
Our original loan was sold to this mortgage company. We did n't understand how they sold our loan. I have documents but have no way of emailing information but can get someone to help. We are trying to dig ourselves out of the hole and are willing to do it but they will give no options. We were desparate to get our grandchild surgery and took the loan out. Now we have been paying 19 % and they have added on at the last minute and are telling us we have a balloon note and have no other way unless we come up with the complete balance. This is our home and we have no where else to go
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mines and I have submitted many disputes on this account. i will not pay it or work with creditor. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
Product: Debt collection

There is an account with SYNCB/Jc Penny 's that is showing up on my credit report as close/charged off..the debt never belonged to me and has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account was settled a couple of months ago. XXXX, XXXX and Equifax are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.
Product: Credit card or prepaid card

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late.
Product: Checking or savings account

In XX/XX/2016 took out a CD for four years at fixed rate and term. The bank offered a free safe deposit box to induce us to take out the CD at the low rate. The bank without notice now sends us a bill for the safe deposit box. We are stuck. We can not get out of the CD and they won't bump up the rate. Took the box rent bill to the local bank branch. They were to look into it!!! Now get another bill with late fee added on. Never heard from the bank as to why they double crossed us. They are now tacking on fees to confiscate all of our money. Greed and FRAUD. This bank is committing a crime with all of their customers.
Product: Credit card

I was approved for a credit card. I activated it and it was closed in 2 days. This is wrongful and my credit score is damaged. 


Pretend you are a lawyer, defend a client who got approved for a credit card. After they activated it, their card was immediately closed within 2 days Answer To defend a client whose credit card was closed within two days of activation, the argument centers on consumer protection laws and the issuer 's obligations. Here is a potential defense : Violation of Notification Requirements : Under the Truth in Lending Act ( TILA ), issuers must notify consumers of significant account changes, including closures, unless specific exceptions apply ( e.g., fraud or default ). If the closure was not due to such exceptions, the issuer may have violated TILA13. 

Fair Credit Reporting Act ( FCRA ) Protections : If the closure impacted the clients credit report, the issuer must ensure accurate reporting. Any inaccuracies, such as implying default when none occurred, could constitute a breach of FCRA1. 

Unjustified Closure : The client had just activated the card and presumably had no chance to misuse it or violate terms. The issuer should provide a detailed explanation for the closure. Without valid reasoning ( e.g., fraud suspicion or credit risk ), this action may be deemed arbitrary and unfairXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNATHORIZED INQUIRES THAT ARE NOT RELATED TO ANY OPEN ACCOUTS I HAVE AN ACCOUNT THAT DOESN'T BELONG TO ME AND ANOTHER ACCOUNT WITH AMOUNT REPORTING NOT CORRECT AND ANOTHER ONE WITH IN CORRECT STATUS SEE WORD DOC ATTACHMENT FOR DETAILED EXPLANATION
Product: Credit reporting or other personal consumer reports

I would like to follow in despite of my previous efforts to resolve this matter and the erroneous information remains on my report, negatively impacting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you re-investigate these accounts and correct the inaccuracies promptly. I expect a thorough review of my case and a written response detailing the results of your investigation. Enclosed are copies of my previous correspondence and supporting documents for your reference. Please help me correct the following accounts : XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX* Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against OneMain Financial for violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Dodd-Frank Acts Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions. OneMain Financial is in violation of FCRA 1681s-2 ( a ) by furnishing inconsistent and inaccurate information to credit bureaus. XXXX reports the account as " PAYS_AS_AGREED '' and " Closed, '' while XXXX and XXXX report the account as active with a {$5300.00} balance. As the data furnisher, OneMainnot the credit bureausis legally responsible for ensuring the accuracy and consistency of the information provided. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not delegate this responsibility to the credit bureaus. Any claim that XXXX is solely at fault would constitute a violation of OneMains duties under the FCRA.

FCRA 1681i ( a ) requires that furnishers conduct a reasonable investigation into disputed information. OneMain has failed to conduct a proper investigation despite multiple disputes, violating its reinvestigation obligations. The continued contradictory reporting across credit bureaus demonstrates willful non-compliance with FCRA standards, as OneMain has not corrected or reconciled the discrepancies.

I have paid over {$7000.00} on a {$6500.00} loan, yet the balance remains at {$5300.00}. This violates TILA 1639f, which mandates transparent disclosure of how payments are applied toward principal and interest. OneMains failure to provide a clear accounting breakdown violates both the spirit and letter of TILA. Additionally, this repayment structure traps borrowers in perpetual debt cycles, constituting an abusive practice under UDAAP, as defined in 12 U.S.C. 5531. 

The contradictory reporting across credit bureaus creates legal ambiguity regarding the status of the debt. Reporting the account as Closed and PAYS_AS_AGREED with a {$0.00} balance to XXXX while simultaneously reporting an active balance to XXXX and XXXX violates uniform data furnishing requirements under the Metro 2 Credit Reporting Guidelines, which are industry standards endorsed by the Consumer Data Industry Association ( CDIA ). Under FCRA 1681s-2 ( b ), OneMain is required to correct or delete inaccurate information following a dispute. Their failure to do so is a clear violation.