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

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion may be in violation of the FDCPA 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1692j. I did not give Transunion any written consent to furnish anything on my individual report. According to 15 U.S. code 1681, no consent is identity theft. In addition, there is no debt as the consumer credit transactions arise from my credit card, therefore, the info on my individual report is furnishing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau about reporting the late payment. The bureau told me to contact the creditor and they are both saying they didnt place a notice of late payment on the report
Product: Payday loan, title loan, personal loan, or advance loan

I requested my original loan contract and statements for a loan that i took out with Marcus GoldmanSachs from date of dispersal up to XX/XX/XXXX by phone early XXXX, where I was told they don't have that documentation, and by priority mail post dated XX/XX/XXXX. I was never contacted back an have not received any documents as of XX/XX/XXXX. I also called the loan servicing forwarded number and spoke with several XXXX customer service reps who also denied me the very same documents. I sent them the same request for documents by priority mail the same day i sent the letter to the bank and for some reason that letter is sitting in MO for more than XXXX weeks. The reps over the phone for both the bank and servicing company said they don't have my records from the original contract up until XX/XX/XXXX. I can not assume the servicing company won't respond but as of XX/XX/XXXX the letter sits in a post office awaiting pickup. It's over XXXX weeks now.
Product: Debt collection

I have paid this account in full, the credit bureau states this is not " sufficient information ''? 
I am in active XXXX XXXX bankruptcy, I can not correspond with the creditor, I'm not sure what to get or what to do to get this to reflect PIF on my XXXX credit bureau ( or completely removed? ). I have a receipt showing this has been paid, I can provide it if needed. 
XXXX referred me to CFPB to assist. Help!
Product: Debt collection

Ive sent my FTC report by email as well and disputing with all credit bureaus including the FTC report with dispute. The only one they took off was on my XXXX. How is an FTC report not valid proof that it was not mine. My state does not even have XXXX XXXX.
Product: Mortgage

This is a NEW/ADDITIONAL complaint regarding Movement Mortgage 's unethical ( potentially illegal ) business practices. I recently submitted CFPB complaint # XXXX regarding Movement 's patterns of harassment, disrespect, and blatantly false accusations & threats which have thus far ( and continue to be ) totally unfounded, unsubstantiated, and unresolved. 
I did predict direct retaliation from Movement Mortgage due to my complaint, so I meticulously downloaded & cataloged ALL data, files, and captured detailed screenshots of EVERYTHING I can see via their customer-facing portal. It seems my prediction came true. 
Specifics : the prior complaint was due to Movement 's harassment and threats regarding my home insurance policy. They constantly sent me letters in the mail stating falsehoods such as my policy has expired, proof of insurance is invalid, etc, while threatening to buy additional policies on my behalf and at my expense. At the time of last week 's complaint, my payment portal profile clearly showed an ACTIVE homeowners insurance policy ( detailing coverage dates, policy number, underwriter, and upcoming escrow disbursement which was scheduled for yesterday XXXX ). Today I discovered that Movement didn't disburse payment as was planned/recorded just last week. In fact, Movement manually DELETED ALL REFERENCES to my home insurance policy and the scheduled disbursements to pay for the policy through escrow. It seems to me Movement can't articulate any wrongdoing on my part, so they tried to manufacture a technical default by not disbursing funds as obligated, and potentially hoping for a resulting lapse of coverage to then give them something real to threaten me with. Luckily I anticipated this type of unethical retaliation and paid the insurance policy directly. No lapse, still actively covered. Nice try. These people need to be investigated by an objective third party. Perhaps Fannie Mae might take interest in Movement 's improper servicing of Fannie Mae loans? Just a thought.
Product: Debt collection

Today I Got a message on my phone From XXXX XXXX stating I have a pending complaint scheduled for processing if they dont hear from me they will go to my work or come to my home she left the phone number XXXX extension XXXX. I called back XXXX XXXX ( the name of the company is XXXX debt collector ). She asked me to verify my information I told her since the phone came up as a scam I dont give out my information over the phone she then called me rude and said she will then send my file to the county for processing. She never told me any information about the debt or her company. She just hung up on me. A few minutes later I got a call from a man who said she sent the file to his office for processing. I asked if he was with allegiance he said he was in a different department. So I said then yes you are with Allegiance. I told him I called her to get info and she hung up and you dont get to call me back and harass me. He said it was a payday loan from mobley. I told him I dont owe and never heard of it he then blurted out the last 6 of my social sec number which I deniedand said I took it out and spent the money so I need to pay or they will garnish my wages. I told him to send the proof of the debt to my mailing address he said by Florida law he doesnt have to send anything I disputed that then he hung up on me. I called back the receptionist XXXX to get the mailing address so I can send a cease and desist letter she refused to give me the address but said the company name is Allegiance in XXXX XXXX phone number is XXXX.
Product: Student loan

The private school loan was did on a computer. There was no paper work to sign. Is this legal in the state of North Carolina. I am claimed to be the co-signer.
Product: Debt collection

I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXXXXXX XXXX XXXX USA Subject : Formal Dispute of Inaccurate Account Information Request for Immediate Removal Dear DEPTEDNELNET I am writing to formally dispute inaccurate information on my credit report. The following account contains incorrect details and must be corrected or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : DEPTEDNELNET Account Opened : XX/XX/XXXX Term : 120 months ( 10 years ) Payment History Issue : The payment history inaccurately reflects late or missed payments in XXXX despite my records indicating otherwise. 
Discrepancy : The account term is reported as 120 months ( 10 years ), meaning it should have been completed by XX/XX/XXXX. However, the report continues to reflect recent activity beyond this term, including payments and missed payments that should no longer be reported. 

Upon review, I noticed that my payment history for XXXX shows multiple late payments ( marked with red X ), which is incorrect. Additionally, since this loan term should have ended in XXXX, any further reporting of payments or delinquencies beyond that date is erroneous and negatively impacting my credit score. 

Under the FCRA, I am requesting immediate verification of this accounts accuracy. If the reporting can not be substantiated with proper documentation from the original creditor, this inaccurate information must be removed from my credit report immediately. 

Please investigate this matter and update my report accordingly. I expect a response within the legally required 30-day period. If this issue is not resolved promptly, I will escalate my dispute and explore further action. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently paid off my Mortgage Account with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My Account Number XXXX. 

I received a refund back from Specialized Loan Servicing for the amount of {$2300.00} regarding Escrow Account. The check was made to XXXX XXXX XXXX and XXXX XXXX. 

My husband and I recently divorced on XX/XX/2018. XXXX XXXX XXXX moved out of state to Washington and I mailed him the check to sign over to me since I made all payments on the loan and the house is legally in my name only. I took the endorsed check to my bank XXXX XXXX and they had told me that they could not accept the check without XXXX XXXX XXXX being present. I explained to the bank the reason he signed it was that he was out of state. They stated because the check was made out to XXXX XXXX XXXX " and '' XXXX XXXX that both parties needed to be present and to ask the issuing bank to make the check out to XXXX XXXX XXXX, XXXX XXXX and they would be able to cash the check. 

I contacted SLS on XX/XX/2018 via email per their request it needed to be done in writing ( see attachment ). I called and spoke to Floor Supervisor XXXX on XX/XX/2018 who stated he would place the request to the Refund/Credit department and to call back on XX/XX/2018. I called back XX/XX/2018 and was told XXXX was out of the office. I called back on XX/XX/2018 and was told XXXX was busy on the floor and would call me back. I called back on XX/XX/2018 XXXX said that XXXX was on a phone call and I stated that I would hold after 10 mins XXXX came back on the phone and said XXXX was training and would call me back at the end of business day. I never received a call. I'm holding onto a check {$2300.00} that will no longer be valid. 

I'm requesting a new check to be issued by SLS for the amount of {$2300.00} made payable to XXXX XXXX XXXX, XXXX XXXX ( without the " and '' ) so I can present it to my bank to be deposited into my account. 

Please assist me with my request. 

Thank you in advance for your prompt attention to this matter. 

XXXX XXXX, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( COI ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XXXX XXXX, 2015 and completed their investigation on XXXX XXXX, 2015. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo  suspended my account and held my funds on their platform until further notice. 

On XX/XX/XXXX, Venmo  emailed me informing my funds can get withdrawn from the platform. However, Venmo  did not allow me to add my banking information in, so I could not get my money out that day. I would contact their customer service and get a proper response back on XX/XX/XXXX, and XXXX. Where I was redirected from customer service to a specialist  named XXXX XXXX. who said they made adjustments to my account which would allow me to add my banking information back in. In fact it did, however, it showed my bank account as unverified, Venmo  even said they don't guarantee the return of funds if someone withdraws to what they claim to be an unverified bank account. To verify my account, I would have to allow Venmo to make two micro-transactions into my bank, which then I would have to input the amount of money that was sent to my account to show my bank could be verified. 

On XX/XX/XXXX, Venmo emailed me saying my deposit micro-transactions failed, and additionally, my account was no longer valid to transfer to my bank. This means even if I did withdraw my money to my " unverified '' bank account Venmo would reject my transaction as my account is no longer authorized to make withdraws. Despite their specialist saying I could make withdraws at that point. 

On XX/XX/XXXX, I would contact venmo about this issue and they would respond on XX/XX/XXXX. When they responded, they asked me to re-validate my bank account, which I've used in the past with Venmo. And for me to verify my account, they would need an additional copy or a photo of a statement from my bank. Furthermore, the statement must include at least one successful transaction after the date of the failed payment. The issue is my bank has yet to issue the bank statement for the month of XXXX and they are asking me to submit this bank statement in order to verify. Which is nearly impossible as I don't have access to that information yet.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern regarding the presence of fraudulent items on my account and to demand their immediate removal. As a victim of fraudulent activity, I expect your company to take swift and decisive action to rectify this situation and protect my financial well-being. 

Upon reviewing my account statement, I discovered several unauthorized transactions and charges that I did not initiate. These fraudulent items not only compromise my financial security but also erode my trust in your company 's ability to safeguard its customers ' accounts. 

I demand that these fraudulent items be promptly removed from my account without further delay. It is imperative that your company takes proactive measures to investigate these unauthorized transactions and prevent any further unauthorized activity from occurring. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

I also expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to uphold its responsibilities to its customers. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

On XXXX XXXX 2016, we visited the Schomp Honda dealership at XXXX XXXX XXXX XXXX in XXXX XXXX CO. The purpose of this visit was to fulfill an obligation for a vehicle inspection on a lease that was terminating XXXX/XXXX/2016. Honda been contacting my wife and I several times a day to schedule a time for this and to advise us on what our options were since the lease was ending. 

Once at the dealership, we met with Client Advisor XXXX XXXX ( XXXXXXXXXXXX ; XXXX ). While our current CRV was being inspected, XXXX had us test drive a new CRV. After the test drive, we decided to enter into a new lease with Honda. However, since we still had 30 days left on our lease, we did not want to end up with 2 payments, XXXX advised that either Schomp or XXXX would take care of our final lease payment. He also advised that even though we exceeded the mileage allowance on our lease, there would be no extra charge since we are entering into a new Honda lease. 

However, after leaving Schomp with a new lease and CRV, we received a letter from Honda dated XXXX XXXX, 2016, stating we owed {$700.00}. Of this amount {$400.00} was for excess mileage and {$260.00} was for the final payment on the old lease. This letter was in direct contradiction with what XXXX had informed us. Naturally we called XXXX and explained the situation, XXXX advised he was mistaken and asked my wife to meet him to change the terms of the lease. She advised that was not an option and indicated we would return the vehicle if they could not honor what we were told. XXXX advised he would speak with his manager. 

On XXXX XXXX, 2016 we spoke again and this time he stated the department that handles payments to XXXX XXXX was closed and that he would take care of it. 

On XXXX XXXX, we left a message for General Manager XXXX XXXX ( XXXXXXXXXXXX ; XXXX ) but did not receive a return call. 

On XXXX XXXX 2016, XXXX left us a voicemail stating they would take care of the final payment and excess mileage amount. 

On XXXX XXXX 2016, we contacted XXXX XXXX XXXX to verify the balance has been cleared. XXXX XXXX XXXX confirmed the outstanding balance of {$260.00} was still owed and is now 4 days past due. This is extremely disappointing as well as alarming as our credit history is now at stake. Schomp Honda 's failure to act quickly has directly led to borrower harm. We are now forced to rely on regulatory agencys to help move Schomp to action. We are requesting the final payment be cleared as was agreed by both parties on XXXX XXXX and confirmed XXXX XXXX. In addition, we are requesting written correspondonce from Schomp Honda that this has been resovled.
Product: Student loan

I XXXX took out a Parent PLus Loan for {$25000.00} in XX/XX/2005. I my uncle XXXX XXXX was co-signer. The student was XXXX XXXX. The servicer is Navient. MY son was never a a co -borrower he was the student. HOwever NAvient has attached the loan to him.. IN XXXX we called Navient as their action is negatively affecting his credit as I have become XXXX and will be seeking relief. I advised that he was never a co-signer and asekd that original documents be sent to me, They were and clearly showed he was not a signatory. However a second set of document were sent to him and this was differed ans showed a signiature not made by him and dated XX/XX/2005 whic corresponds to the dae of dsibursement and validates that no such signiature could have been made since the loan app was in the hands of the lender at that eime. I need the attadhemt of this loan to my son removed so as not to harm his credit any further
Product: Debt collection

XXXX XXXX " continues '' to collect a fraud debt and after much effort and communications as outlined in my previous CFPB complanit XXXX. XXXX not continues to insist XXXX of the XXXX formentioned fraud debts are due and has posted them on XXXX XXXX, XXXX, and XXXX. I spoke with thier collection agency who still insist on my lack of a police report to as reason to continue the collection for a fraud event taking place XX/XX/2018. XXXX XXXX still wants me to pay the Identity theft debt. The amounts in question are : XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX and XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}. 

I have been harmed by XXXX in that I have applied for and been denied credit for an auto loan.