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 that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only negleted 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

I made a purchase at the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY on XX/XX/XXXX in the amount of {$110.00}. Wells Fargo was offering a Cash Back deal of 15 % for purchases made at the XXXX XXXX  between XX/XX/XXXX and XX/XX/XXXX. I never received the 15 % cash back equaling {$17.00}. I have made numerous calls to Wells Fargo. Cases have been open and escalated to the Executive Office and still I have not received the cash back. The customer representative in the Executive Office Handling my case is XXXX XXXX. She claims she can't do anything to process the request except for waiting for the cash back department and they have not responded to any of her requests, The case number with the executive office is XXXX. I began calling Wells Fargo XX/XX/XXXX and my last call was today, XX/XX/XXXX. I even faxed all of the documentation to the executive office verifying that I made the purchase and fulfilled the requirements. I would appreciate any assistance you can provide. Thank you.
Product: Debt collection

On XX/XX/XXXX, I notified XXXXXXXX XXXX of XXXX, CA, of my intention to vacate my apartment, with the lease ending on XX/XX/XXXX. However, I was incorrectly charged for days beyond my tenancy. I returned the keys on XX/XX/XXXX, as their office was closed on my move-out date. Despite this, XXXX altered my move-out date to XX/XX/XXXX, leading to unjustified prorated rent, insufficient notice fee and other move-out charges. 

Subsequently, XXXX sent my account to Fair Collections & Outsourcing Inc ( FCO ) for collections without providing me an itemized breakdown of these charges or notifying me of the debt. On XX/XX/XXXX, upon learning about the collection action from FCO ( letter sent dated XX/XX/XXXX ), I immediately disputed the debt, requesting a detailed validation, including specific charges and their justification. Despite my dispute, FCO reported the alleged debt to credit bureaus without any response. 

The actions taken by XXXX and FCO have adversely impacted my credit and have been conducted without transparency or due process. No effort was made by XXXX to clarify or validate the charges before escalating to collections. FCO, in turn, failed to adequately address my dispute before reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically XXXX XXXX XXXX. 

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXXUpon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences. 

Additionally, under XXXX XXXX. XXXX ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by XXXX XXXX. XXXX ( b ) regarding the contents of such statements. 

Reference to XXXX ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " XXXX XXXX Agreed Never XXXX '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations. 

Request for XXXX : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication. 
In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " XXXX XXXX Agreed Never XXXX. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ). 

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I XXXX escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX  and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Product: Vehicle loan or lease

Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX  XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal. 

Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.
Product: Debt collection

I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX And lists of XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX ( XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated.

I have proof of the certified mail receipt that I will upload to support my claim.
Product: Credit card or prepaid card

I HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.
Product: Student loan

Loans serviced by Navient ( XXXX XXXX ) while enrolled at University XXXX XXXX and XXXX XXXX from XXXX thru XXXX. Awarded amount of loan/grants was not accurate at distribution times and the inaccurate reporting prevented my approval for home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written this company transunion about a negative remark that appears in my credit file, about one negative mark in my files. they are the only credit company reporting this. i have written for over a year asking for validation, they write me back, saying they have verified it, which is entirely not the same. I have written the governor here in California as well. Validation is by a real human being with a process and signature, not by a XXXX  robot, making harmful decisions, that affect real human beings. I'm not sure how or how the american people allow this, a world where we never interact with a human, robots telling us what to do. I would please like you to send this to the company and where is the validation, documents process, human being i asked for, thanks
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against IC Systems XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against IC Systems regarding their unauthorized and inaccurate credit reporting. They have reported an alleged debt on my credit report without my knowledge or consent, and I have never received any communication from them regarding this debt. acct # XXXX I want to state clearly that I do not recognize this account and have no record of owing any debt to IC Systems. Their failure to notify me before reporting this alleged debt is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). As a result, I am formally requesting that IC Systems immediately remove this account from my credit report. I also request that the CFPB investigate this matter, as IC Systems improper reporting has negatively impacted my credit standing.
Product: Credit card

I keep getting calls XXXX. There have been 7 calls made to my cell phone since XXXX/XXXX/17. I finally called them back today to find out who they are. The company is call XXXX and they are trying to collect and threaten me with saying the account is litigation from a debt from Providian Bank. That debt is over 10 years old and is out of the statute of limitations in Florida. When I told them that they proceeded to threaten me with taking me to court. When I ended the call they called me right back and the gentlemen on the phone was calling me a " XXXX ''.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, SS XXXX XXXXXXXX, XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the EQUIFAX credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account at XXXX XXXX ( XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Auto loan account opened at XXXX XXXXXXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX under the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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: Debt collection

Paypal gave via the attached email a Notice of Levy on XX/XX/2018 from XXXX XXXX with the Internal Revenue Service. On the notice was the phone number XXXX. After calling the number I found that it was a promotional line and a scam I have requested by registered mail that PayPal 's legal department to send me a copy of the Notice of Levy, ( which is not a levy ) and they have failed to do the same. Besides a Notice of Levy not being a lawful levy,. this is a scam in which Paypal has refused to communicate about it nor will they send the paper work that justified the said levy.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX, Account Number XXXX in a letter to Equifax dated XX/XX/year>. I received a response from them dated XX/XX/year> ( attached copy ) in which they stated that the disputed item is not currently reporting on the Equifax credit file. 
In my most recent and latest credit report, the disputed item is again reporting on the Equifax credit file. 
I understand that Equifax is in violation of the Fair Reporting Act numerous times because they can not reinsert this item according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( i ) Certification of accuracy of information. 
If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

They are also in violation of not informing me that they reinserted this item back into my credit report according to 15 U.S.C. Sec. 1681i ( 5 ) ( B ) ( ii ) and violated each of the three paragraphs under ( iii ). 
Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

They did not prevent the reappearance of this formerly deleted item from my credit file, therefore, they are in violation of paragraph C as well. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( I ) ).

Six times Equifax transgressed the Fair Credit Reporting Act and my rights as evidenced above.

According to USC 1681n ( a ) 1 in actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account beforeI seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Someone use my bank account and sent out {$5000.00} by zelle XXXX through about XXXX transactions. But i was in sleep at that time. XXXX declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What XXXX said is true.