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

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in the 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX, 2017, I attempted to download a " Proof of Loan '' PDF document, which I do monthly to obtain student loan repayment assistance from my employer ( see attachment for example ) ; however I could not locate the Proof of Loan documents online. I contacted Navient for assistance, and the phone representative told me the feature that generates Proof of Loan documents is no longer available and the only way to obtain day-of loan information is to take a screenshot or print the online loan details. This is unacceptable as I am sure many borrowers need formal day-of Proof of Loan documents for mortgages, student loan repayment assistance, etc. The removal of this feature will cause future harm to many Navient customers, including myself.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$940.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXX Balance {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I began talking to XXXX, an AAG Rep about a XXXX XXXX in XX/XX/2021. I was consistently mislead by him about whether or not my house would qualify for the XXXX XXXX. XXXX would dismiss my concerns, talk over me or make misleading statements. Do you have big holes in your walls? Was one of his most used questions when minimizing my concerns about the condition of my house. I never should have spent the {$590.00} for the appraisal and more than {$200.00} for the Counseling fee. I read about the requirements on line, attempted to discuss them with him, and my concerns were dismissed. I was consistently confused and worried. He was the expert. I feel I was intentionally mislead throughout the relationship which lasted until XXXX. In addition, XXXX knew I had been declined and did not tell me even though I asked him to email me as soon as he knew something. I received a letter in the mail. I can not understand why he was keeping me hanging on unless it was to get me to spend more money on a new appraisal. Retirees who are looking for financial assistance should have someone honest and trustworthy to help them. This was definitely not my experience with AAG. I could not afford to lose all that money.
Product: Checking or savings account

On XX/XX/2022 I was at work that unauthorized person withdrew {$260.00} from my bank account by using XXXX ATM on XXXX XXXX. 
I reported to bank but unfortunately the result was not in my favor even I filled polis report But it was not helpful.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

Attention : XXXX XXXX SVP  Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 XXXX deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to XXXX ( Letter attached ). 
XXXX  have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my 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. 
Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to XXXX, conducted by a thorough investigation. If you have no proof, but state that the results of the investigation show the negative information is accurate, then I will have XXXX  on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires XXXX   to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm. I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consum
er attorney, that XXXX  IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires XXXX  to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ), requiring XXXX, by federal law to verify-  through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.
Product: Mortgage

I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION EMPLOYER : XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX-KS XXXXXXXX XXXX  NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXX AD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax under ( CARES ACT ) During the period that the payments on federal student loans are suspended by the Department of Education any payment has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, Equifax, and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There is to much to list. Wells fargo. has totally used deceptive business practices. This has been going on for years. Wells fargo will hang up on me or change the subject and wont answer why they have charged me over {$20000.00} in just the last few years with fraudulent inefficient funds charges when the money was posted to my account and they have I have spent fortune with wells fargo and they have told me they would file disputes and never receive calls back from them. Wells fargo. I have gone into several branches after branch to be told they didn ; t know what to do because it was so overwhelming and I 'm told they saw I have a major law suits and didnt want to help me. Now I have all these new fraudulent charges on on XXXX of my accounts and wells fargo has totally cheated me out of thousands more and many of them they didnt even file as fraud or they hung up on me several times. I am not going to let this go and will go to media and I had aXX/XX/XXXXwith wells fargo playing with the kind of money Ive trusted them with. I want Justice and for someone to call me. I was told not to close my accounts because of all the money that has been taken from me and not returned from fraud. I am trying to handle this the right way but Ive been so XXXX XXXX and this has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You wont belive this and wells fargo can pull all this up with my account. I will sent all my ACCOUNT INFORMATION BUT WELLS FARGO HAS PULLED MUCH OFF LINE AND CHANGED ALL THEIR WEBSITE SO PEOPLE WONT REALIZE THEY ARE BEING STOLEN FROM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuit to 1B USC I Owe no debt This company is violating my consumer right to privacy pursuant 15 usc 168 1 B 2 company also has no permission to report anything using my personal information pursuant to 15 usc 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.
Product: Debt collection

On XXXX XXXX, XXXX, at approximately XXXX hours, I received a phone call from telephone number XXXX which is a contact number tied to Portfolio Recovery XXXX. When I answered the call, the collector failed to identify herself, failed to identify where she was calling from, and failed to provide the XXXX Miranda Warning or a XXXX Miranda warning which is a violation XXXX.. The collector was attempting to find my deceased mother who passed away in XXXX. She then demanded a death certificate and when I refused, she proceeded to hang up on me. The same company has been contacting my grandmother and my father ( divorced two years prior to death ) for the past three years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAUS ADDRESS To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a XXXX  punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my XXXX consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XX/XX/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  XX/XX/XXXX. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, ATTACHMENT
Product: Bank account or service

Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by FST PROGRESS. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations.

The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX