23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Wells Fargo checking, and savings accounts were diminished suddenly and without warning, while I and my attorney representatives were in negotiations with Wells Fargo 's attorneys, XXXX and XXXX. They drained all monies {$3700.00} at the time from my checking account with no notice and {$1300.00} from my savings account at the same time with no notice. 


Please also see this : The Federal Reserve Board 's Regulation Z, Section 1026.12 ( d ) ( 1 ) : " General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. '' I never signed anything, electronically or otherwise, regarding a Deposit Account Agreement. I do not recall signing/initialing any portion of a Deposit Account Agreement. 

Since this has happened my account has gone negative, payments scheduled, have been declined and now late, mortgage payment has been declined, due to all of my funds removed without notice on XX/XX/2023.
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  Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account XXXX : XXXX  XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

Hard inquiries issues On XX/XX/2023 I got a car loan from XXXX XXXX XXXX to purchase a car. On that same day I had 7 other hard inquiries. 

Consumer protection bureau stated that, within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other lenders realize that you are only going to buy one home/car. 

I have seven hard inquiries from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please look into this as I wish to have these go one one hard inquiry that was approved by XXXX XXXX XXXX XXXX XXXX 

Any help will be greatly appreciated. 

Thank you.
Product: Debt collection

According to the collection agency that this account was turned over to XXXX XXXX ) I received a letter that stated that this account would be removed from my credit report but it is still showing on my report.
Product: Money transfer, virtual currency, or money service

I filed a dispute about a transaction and asked for a return of my funds and a full inquiry they did not provide either and closed my dispute. 

dispute claim in case number : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally, expressed my concern in regarding Zelle handling of dispute particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Using Zelle numerous times and reporting. discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPB s find these indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Merchant Adjustment Services sent a letter XX/XX/2018 for validation of alleged debt but the company did not send requested items instead sent a bill with documentation of XXXX being perform and XXXX XXXX  of the XXXX. I sent multiple letters thereafter requesting for validation of debt to no response. On XX/XX/2018 was my last letter requesting validation but as usual no response or reply.
Product: Student loan

I am currently in a furlough due to Covid-19, and while Federally owned loans are furloughed interest free by the Cares Act, Navient refuses to do the same because the Cares Act didn't say they had to. What this means is someone like me who has loans both federally owned and Navient owned, I have to recertify my Income repayment plan for half my loans now and still pay accrue interest on a XXXX payment as I am unemployed due to the coronavirus and do not know when I will be going back. It seems backwards if not outright hurtful to borrowers to make them go through channels to get payments put off when they insist on collecting during this national disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the evidence I have provided concerning the violations of both  Federal Law an d Florida Statutes that have been committed in the handling of the debt assigned to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -- which extend to committing mail fraud in an effort to cover up said violations -- th e 3 pri mary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute  83.39 (  a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than  two month s afterward and then feloniously intercepted it with the h elp of the Carrier for the route -- who was obligated to forward my mail on a p ermanent basis as of  XXXX / XXXX  /2016  -- in an effort to prevent me from finding out about it ).
Product: Debt collection

My husband and I attempted to save the account as soon as we realized what was going on. We used the app which used language of fixing the account and signed up for a plan. We then called into the call center which we then spoke to someone over the phone. The person there confirmed that by doing this we would fix the account and could use our cards again and we asked numerous times over and over. We were extremely concerned about the account and in frantic mode. We had another company Ive the same issues and they fixed it all over the phone in minutes. This company told us one thing and confirmed it over the phone and we wanted to throw money at it to fix it then they lie and say its one way to get money faster. If we knew it was just to slow pay it off we would have chosen the slow pay. They lied and deceived us!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress Equifax, XXXX nor XXXX has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that XXXX, Equifax, XXXX has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX I am writing to file a complaint against XXXX and Equifax and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was charged {$330.00} on XX/XX/2023 for a FORM on an unofficial USCIS website called XXXX XXXX. This is a scammer. It is scamming people. The website made me to think that I was dealing with the USCIS Government to apply for visa. But turned out I paid for a FORM on their website. I started my visa application again on the USCIS official all over again and paid again. 

Detailed explanation below : I searched USCIS on XXXX  on XX/XX/2023. The XXXX guided me to XXXX XXXX which I thought it was USCIS official website. After I got the form filled and submitted payment, then I realized what I paid was not the application fee. It just paid a FORM fee filled out online on an unofficial USCIS website. 

I filed the credit card dispute and requested a new credit card right after I found out this the same date XX/XX/2023. The credit card company ( Sychrony ) returned me {$330.00} on XXXX. Now I realized today that the credit card company charged me back the dispute {$330.00} on XX/XX/2023 without any notification. 

I went back to the XXXX XXXX website today XX/XX/2023, Now they updated the website with a warning ( telling consumer they are not related to USCIS ) before click on any immigration application forms. They fixed the problem now. But it was unfair, they scammed me to do so on XXXX XXXX. And my credit card refunded me after I reported this and charged me back after TWO months.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

I am contacted by Mitchell D. Bluhm & Associates law firm. For the third time. The first time was approximately 2018 when I made 2 payments of {$33.00} each. My bank refunded that to me. I did not owe them and the bill was medical and they confirmed they only work with one collection agency not the law firm. Now they're contacting me again for an amount that has been paid to XXXX XXXX billing in the amount of {$380.00}.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. This item must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2020 I contact Mrs.XXXX  XXXX to assist me a purchasing my first home. Okay missed while collecting all my information got everything she asked me to get. XXXX XXXX induced me to XXXX XXXX the realtor, He show me homes from XXXX to the second week of XXXX and that's when I pick out the home that I wanted. Gave them {$2000.00} earnest money pay {$600.00} for the appraiser and XXXX for the inspection. Everything was going good but I had to get like three extensions because all parties could not get in touch with Mr. XXXX week later waiting on the XXXX to approve and to look over the papers making sure everything was in order. XXXX was approve XXXX XXXX. XXXX XXXX didn't contact me until XXXX XXXX after XXXX XXXX. XXXX XXXX Weekend.  Asking for more documentation that which I had already turned into Miss XXXX XXXX XXXX XXXX had left the company.I got a phone call on XX/XX/XXXX from XXXX XXXX stated that he would be taking over the long process of me going to the closing of my first home as time went by XXXX nothing no call ) 2 weeks I haven't heard anything from Mr. XXXX so I decided to get him a call myself he always send me to the voicemail or text me stating he's in a meeting, or he will call me after XXXX. So I decided to call Realtor XXXX he stated that he been trying to call and get in touch with him also also the the seller couldn't even get in touch with him we all have text messages going back and forth with XXXX XXXX so the founder was he has been holding my loan for 90 days and the seller decide to pull out of course I lost my {$2000.00} I wasting my time with XXXX with the appraiser and XXXX for the inspection I called and let him know what was going on he was trying to call Miss XXXX back the seller I asked for another 30-day extension. All the time he never sent me the CD for closing so when I asked him since I lost my money What he going to do to accommodate me my {$2000.00} earnest money {$600.00} appraisal fee. XXXX XXXX told me there's nothing he could do because it wasn't his fault all I'm asking him to do is give me my {$2000.00} back for the earnest money my {$600.00} appraisal and my inspection and call it a day he told me he would never give me anything because it wasn't his fault. I have proof of everything. And I really feel he was very unprofessional always texting won't pick up the phone to call always give you different lies, or he always in a meeting, or or he's taking care of his dad going out of town.So my point is how can XXXX work on my loan a try to get me closing and you doing all these extra activities there for you never looked at my folder or try to get me close and never sent me the CD before the closing. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

According to my TransUnion consumer report ( see attached ), XXXX XXXX has reported that account XXXX was first charged off on XX/XX/XXXX, but has recently reported the same account charged off in XX/XX/XXXX. The information provided by XXXX XXXX  is inaccurate, incomplete and unverified. I am requesting a XXXX from XXXX XXXX to verify when the account XXXX was charged off to ensure that my consumer report is accurate and so I can notify the IRS and report the canceled debt as gross income on my tax return.
Product: Credit card

The Apple Card, aka Goldman Sachs, repeatedly claims that I have insufficient funds in my bank account to make automatic payments in XXXX and XX/XX/year>, of {$760.00} and XXXX, respectively. I do not, nor did I ever, have insufficient funds. My own banking institution, XXXX XXXX XXXX XXXX has verified that I had sufficient funds and that Goldman Sachs never attempted to pull the funds for the credit card payments. 

A detailed record of the problem, including phone and email communication with Apple, Goldman Sachs and XXXX XXXX XXXX XXXX is attached along with other supporting documents.
Product: Debt collection

I dispute your position that my identity theft claim is unfounded. WHOM DO YOU THINK YOU ARE TO JUDGE ME ABOUT WHETHER OR NOT I'VE BEEN A VICTIM? It is completely baseless to claim that you have the authority or the legal standing to make such a decision. You can be confident that I will promptly contact an attorney to begin legal action if you continue with this wrongful denial. I demand that you follow the stringent legal procedures that regulate claims of identity theft. I am providing you with an official law enforcement agency report, duly filed with a federal agency, to underscore the gravity of my case. Let 's get this resolved as quickly as possible in the allotted five days. 

Unfortunately, it appears that my attempts to make this right have not been received well. It seems that your bureau has not taken the seriousness of my identity theft case into consideration, despite the significant proof I have presented. I feel abandoned, irritated, and powerless as a result of this lack of acknowledgment.

I implore your bureau to acknowledge the seriousness of my identity theft claim and take immediate and decisive action. I request that you conduct a thorough investigation into the matter, validate the authenticity of my evidence, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek assurance that you will take steps to prevent the recurrence of such unauthorized activity in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that if my concerns are not addressed promptly and satisfactorily, I am prepared to seek legal counsel and escalate this matter to relevant regulatory authorities to ensure that justice prevails.
Product: Credit reporting or other personal consumer reports

I cosigned loans for my granddaughter, and she has been in forbearance with Discover student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When she reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new XXXX forbearance program, which she is currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of Discover and it caused her to experience XXXX XXXX XXXX XXXX during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised her to reach out to a manager at Discover, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as I am going through XXXX treatments. This has gravely impacted my credit score, aad going through treatment my cards are now being declined. I am in need of assistance in trying to remove the default notices on both of our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on me receiving my XXXX treatment.