23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of True Accord for an old XXXX account. I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX 's instructions I returned all the equipment. To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
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 finding 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. The lack of transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Als
o 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

This is a second time I am filing a complaint please refer to the previous file # - XXXX as I am asking to reopen and review with more proof. 
I never got XXXX $ loan from rise and from what now Spring Oaks Capital is accusing me of sending made up amount. 
Please see more attached screen shots for proof. Even a proof of my XXXX XXXX from the original creditor that also shows a different amount. I will dispute this with XXXX and my state attorney general as well They claim and have false papers on the amount that was lended to me from XXXX  who is the original creditor. 
Please see a screen shot from my statement from MY bank with the amount that was loaned to me it is not XXXX. That is the biggest proof as it was a direct deposit. Also whe is the previous documents with payments starting in 2017 as that is when this {$2000.00} was deposit to me. Not once I had received XXXX. So that is all a LIE. See attached sheets with deposit dates amounts and payments dates from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT DEBT OF {$250.00} WAS ADDED TO MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX AND THAT HAS BEEN SUBMITTED. THEY RECOMMENED I FILE WITH THE FTC BECAUSE IT WAS NOT ME THAT OPENED THIS DEBT. I NEVER RECIEVED ANY PAPERWORK OR PHONECALLS FROM THIS DEBT COLLECTOR. WHEN I CALLED THEM. THEY HAD MY SSN AND DOB ONLY. HOWEVER, THE EMAIL ON FILE THEY HAD WAS MY EX 'S WIFE. LEADING ME TO BELEIVE SHE OPENED THIS WITHOUT MY CONSENT UNDER MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX**SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, CC : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CC XXXX XXXX XXXX, CC XXXX XXXX XXXX, CC XXXX XXXX XXXX, CC XXXX XXXX XXXX  XXXX XXXX, CC XXXX XXXX XXXX, CC XXXX XXXX XXXX. Transunion, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX digits of my social : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report. pursuant to to my rights under the fair credit reporting Act ( FCRA ), specifically XXXX U.S.C XXXX ( a ), I am requesting an investigation of the following item : Creditor : XXXX XXXX XXXX XXXX Account XXXX Description of Inaccuracy : account is reporting charged off/open Charge Off Accounts Are Considered Income By The IRS! XXXX is forbidden to be on a consumer credit report. 
I should have gotten a XXXX & from any creditor who reported a charge off/Written off on my consumer ( credit ) report. 
This means that the creditor wrote it off on their taxes and received a profit. 

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I XXXX provide to support my claim of inaccuracy. 
I understand that, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to complete the investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. I have attached a copy of my driver license and social for proof of my identity. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX ( last Saturday ) I received a message from Goldman Sachs Maucus Bank stated that an external bank, XXXX XXXX, was linked to my saving ( 3 ) accounts at Maucus and also attempting to transfer XXXX from my saving accounts. I went into my accounts and found that XXXX XXXX  was linked to my Maucus bank saving accounts, I have no any relationship with XXXX XXXX  and never authorized such linkage. I canceled the transfer and removed XXXX XXXX  from my " external linked accounts '' at Maucus online banking website. I called the Maucus right away ( three times ), all I was told that I have to call back during the regular business hours. I called again on Monday ( XX/XX/XXXX ) and reported the incident to Maucus 's tech support and being transferred to another " Specialist '' who opened three new saving accounts and I transferred all funds from the existing accounts to the new accounts. However, the next day, Maucus blocked all my access to my accounts, I called a number of times, I was told someone " will call me back in two hours '' to help me unlock the accounts, no one called me back and I got the same answer whenever I called. On Wednesday I asked the bank to closed all my accounts and send back the funds to my accounts with XXXX XXXX XXXXXXXX where all the deposits were made from. However I spent over 6 hours and spoke with over a dozen of " specialist, '' the calls were constantly being interrupt and the bank also block my cell number and email, hence I could not get any identity verification code the bank required to close my accounts. Until XXXX, the last " specialist '' told me all my accounts have been closed. On Thursday, the bank left a message in the morning and asked me call the bank again. When I called, the same story, they told me they won't close my accounts and all funds were subjected a further review which will take 5 to 7 business days. I tried to speak to different specialists, after 3 hours, one of the specialist ( supervisor level ) helped me went through the whole process again and she was able to identified my identity on phone ( called me three times, one call to close each account ) and told me there won't be any issue and I should receive all fund back to my deposit account with XXXX XXXXXXXX in 1 to 3 business days. Again on Thursday night two person from Maucus called me and said he/she wanted to identify my identity again This is horrified and so frustrating, Maucus does not protect its customers, when incident occurred with their security system, they just blocked my account instead of finding what was the root cause. Goldman Sachs Maucus Bank is poorly managed by a group less trained and irresponsible " specialists, '' only a few were reasonable, most of them didn't know how to respect customers and do their job. This security system of the bank is totally broken, how can the bank allow a third party bank linked to my account without my knowledge and authorization? As yesterday ( XX/XX/XXXX ), they still kept XXXX XXXX  on my accounts and called again on XX/XX/XXXX, the fund is still held subjected their " review ''.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, while shopping for ways to build credit, I came across the personal loan from OneMain Financial. Upon applying, I was approved but with the stipulation that I would need to provide my car title as collateral. 

Once I visited the office, I was helped by an associate by the name of XXXX. XXXX talked me through questions that I had about the loan interest and terms. After noticing my hesitancy at their 35.99 % interest rate and giving my title as collateral, XXXX decided to use misleading business practices to ensure I went forward. 

Since she knew my original intention was to build credit, XXXX informed me that the credit builder program with OneMain is one of the best, as they report to credit bureaus. She went on to say that OneMain as a whole is one of the best to have in my corner in times of need. XXXX insinuated that within 6 months of on-time payments she was positive that I would be able to refinance into an unsecured loan, possibly with less interest, and receive my title back. XXXX went above and beyond the typical duties to make sure she got that loan issued, such as by hinting to me things that I should include on the application ( whether true or not ) to make sure it was approved. 

In XXXX of XXXX, after 7 months of on-time payments I reached out to the branch but did not receive help after being asked to leave a message. This proceeded for around two weeks before finally I called back and demanded help then and stated I would not be leaving another message. XXXX proceeded to become pretty rude with me, and within seconds of starting the application stated it was denied. 

In XXXX of XXXX, after 12 months of on-time payments, I spoke with a new associate at a new branch ( my account was moved per my request ). The associate at the new branch ( XXXX ) used the same rude, matter of fact tone before letting me know I was once again denied. She was unable to provide me guidance on filling out the application like XXXX did when I first got the loan. She was more like the second time XXXX attempted to help me as far as her attitude and willingness to help. 

While considering the facts of the relationship with this business so far, it is very clear that they will go out of their way to be nice and mislead customers into their products, and once the customer is hooked their entire persona changes. 

Each time I am denied the associate is unable to tell me any reasons whatsoever other than they get the decision from some central processing technique and have no idea why it was not approved. FCRA requirements are ignored. 

I have reached out to corporate, spoken with a district manager, and left a review on XXXXXXXX XXXX trying to get help. The district manager was very nice and respectful but let me know that he is unable to assist me other than collecting my payments on my loan. Corporate no help, and whoever responded to my review was just as rude and misleading as the associates in office.
Product: Vehicle loan or lease

XX/XX/year> it says I open a car loan for XXXX $ which I havent had an car loan since my first XXXX, I contacted the bank which I was told to file a report and contact my credit bureaus
Product: Checking or savings account

A client reached out to me expressing interest in my rent-to-own property, which required a 20 % down payment to secure the home. After a brief bidding process, we selected the client who submitted the highest bid, which included a down payment and several months ' worth of rent paid upfront. To ensure the safety of the transaction, I requested a certified check for the funds, as it provides a guarantee of available funds. 

Upon receiving the client 's certified check, I deposited it into my bank account. However, to my surprise, Truist bank placed an unexpected hold on the funds. Although the amount was significant, I had encountered larger transactions in the past without facing such delays. Consequently, I did not anticipate that my account would remain on hold for over a year, causing significant disruption to my financial plans. 

Initially, I was informed by the bank that the funds would be released within a week, which prompted me to proceed with signing the contract. Rent payments were made on time during this period, but eventually, I encountered difficulties in communicating with the client 's representative, XXXX. It was then revealed that the client 's husband, who had issued the check, had tragically passed away in the property. 

The check, which is still on hold, poses a challenge as the bank insists on issuing a new check. However, this is not possible since the owner of the original check is deceased. To substantiate my claim as the owner of the property in question, I will attach a news article regarding the incident. Additionally, verifying the ownership of the property can be done by searching the Secretary of State records, which will confirm that the property is owned by the brand name XXXX. 

While this unexpected situation has created difficulties and financial strain, I am hopeful that with proper documentation and evidence, the bank will release the funds, allowing the rent-to-own process to proceed as planned. Due to my understanding from a truist banker the check was put on hold because the check was issues to XXXX XXXX and not XXXX XXXX which both companies I am the owner and might have been some confusion when discussed to but entertainment and not my real estate company XXXX XXXX XXXX how ever I have no way of getting this check reissued and the hold for verification of funds have been well over a year or almost a year to and funds are clear in my account. I am looking for real help on getting this issue resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I was informed that I was late on a payment for my credit builder account for the first time due to my payment not being processed. I was only told today that I had been delinquent from XXXX 2022 for payments of {$35.00} for a credit building service. The account was not helping my credit so in XXXX I cancelled the account on the phone, which the company said they had no record of today. I was also altered by email in XXXX that the account would be closed by Self for nonpayment when I made no changes other than cancelling. I cancelled the account and they kept charging me {$35.00} per month in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told I needed to pay {$130.00} in late charges to get my account current today- XXXX months after I cancelled it. When I told them I refused to pay and cancelled my account again- they only then informed me that I did NOT in fact owe {$130.00} and that my account would no longer be reported on. The deception is criminal!! The real issue is that Self reported my payment on a XXXX XXXX account that was cancelled as not just XXXX but XXXX days late, this despite the fact there was money in the account to cover any payments " missed ''. Instead my credit building account is now severely damaging my ability to get a mortgage. I need this XXXX and XXXX late payment removed from my credit report immediately and a letter stating the debt is resolved without prejudice. I can not believe a service dedicated to helping credit would ever do so much to damage mine AFTER I CANCELLED the service!!
Product: Mortgage

On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. 
I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. 
On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I XXXX XXXX XXXX XXXX on XX/XX/XXXX that my tax check had not yet been received. In addition, on XX/XX/XXXX, a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with the NYS Department of Finance. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement.
Product: Debt collection

I get calls, which I do n't answer, from this Collection Co on my cell phone and I do not have any debts. We are a home with old folks with XXXX and do not like to be disturbed. We do not owe them anything. Please stop the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against ChexSystems. They are currently reporting derogatory banking information from XXXX XXXX that is more than XXXX XXXX XXXX. This is in direct violation of their own policy posted on their website that states " Our current practice is to retain record of reported information for a period of XXXX years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. '' I am requesting that they honor their policy and remove this negative information from my report, as it is negatively impacting my chances of getting approval as I was denied from opening an account with Truliant today XX/XX/23 and their reason for doing so is because of my inaccurate Chexsystems report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX XXXX : {$220.00}