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

I am writing to express concerns regarding Zelle 's handling disputes, in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below :XX/XX/XXXX
Product: Debt collection

On XX/XX/ I submitted a debt validation letter via mail to AssetCare , LLC, seeking clarification and verification of a debt they claim I owe. Regrettably, AssetCare , LLC has not provided a response within the legally required 30-day timeframe. 

Moreover, despite the absence of validation, AssetCare , LLC has persisted in their collection attempts by reporting this debt to credit bureaus. This ongoing action has negatively impacted my credit score and financial standing. 

I believe AssetCare , LLC 's actions are in clear violation of the Fair Debt Collection Practices Act, specifically failing to validate the debt within the statutory period and continuing collection activities during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account name XXXX XXXX, has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting a negative account on my credit file that the company has agreed to delete XXXX XXXX XXXX XXXX letter is attached from the company saying it will be deleted
Product: Credit reporting or other personal consumer reports

I need my information Updated because the inaccurate address is sending my mail the wrong address. Also, my name is not fully spelled in my middle name. All proofs have been submitted. And I need my job added on my credit and finally I need my phone number updated these this have to be updated by my rights through the fair credit act...
Product: Mortgage

XX/XX/XXXX PHH/ XXXX XXXX trying to un-ethically convince borrowers to agree to terms that people have no idea if theyll be able to actually uphold their end of the agreement. 
PHH/ XXXX XXXX at the end of the forbearance period will continue to play games and do everything possible to hurt the borrower. 
Please address this issue so borrowers are not taken advantage of as will surely happen if this is not addressed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have lost my income as a result of covid-19. I contacted my bank, PHH/XXXX XXXX on approximately XX/XX/XXXX to discuss mortgage payment deferral. I used their web form ( I have a printed copy ) to submit my request. Today I got a response telling me my form was submitted incorrectly. I checked the form for errors, and it was correct. This is a huge red flag. It turns out the new form on their web site requires me to agree that I will pay the 3  months worth of missed payments on the fourth  month. How can I agree to something I dont think I will be able to do? 
I called the bank and they tried to spin the issue. I explained to them I cant in good faith agree to something I dont know if I can uphold my end. They continued to try and convince me to agree to this term despite the fact I just told them I cant in good faith agree to that. 
I proposed to them that if they were comfortable guaranteeing me over the phone I would have no issues if I couldnt make the back payments to please put it in writing for me. They would not. Huge red flag! 
I then explained how I was at the center of the housing market crash and that I saw a lot of people do what banks asked them to do, only to have the home lost to the bank. 
This is a huge concern for myself and all others who are being forced to, out of desperation, enter into a forbearance program with terms most people can not guarantee theyll be able to hold up on their end. 
I am asking that immediate clarity and guidance be given to lenders so they are required to actually help the borrowers who are requesting it. This does nothing but add more uncertainty amidst an environment of the same! 
It does no good to give the bank tools that forces the borrower into a corner where the bank will have all the power to ruin credit scores, and potentially take peoples homes.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to dispute inaccurate information being reported on my credit file regarding the XXXX XXXX XXXX account. The reporting of late payments on this account is negatively affecting my credit report and financial opportunities. 

The reported late payments for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) appear to be in violation of the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant sections of consumer protection laws, including 15 U.S. Code 1666b, 1681i, and 1681s-2. 

I formally request a reinvestigation to ensure the accuracy of the late payment information. Additionally, I request the following specific details for my own records : The exact number of days I was late for each of the months listed as having late payments. 
A total calculation of how many days late I was across all months. 
If the reporting of these late payments can not be verified or confirmed as accurate, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

I have two issues. Inherited my home from my Mom in XXXX when she passed. Soon after the death I became gravely ill and the house was mold infested. XXXX XXXX hit and I was effected.severly by it'.My inherited home currently in foreclosure and Wells Fargo says it no longer can help me.. I want to keep my home. I am XXXX. 

The second issue I had is regarding my father I. Which I am executor of the estate of both my parents. XXXX around XXXX, XXXX Wells Fargo repossessed my father car after theXXXX  dealership swindled him out of his XXXX XXXX XXXX that had only XXXX original miles on it... Then repossessed his car claiming he was too old. All while Wells Fargo knew he had a savings account at Wells Fargo with nearly XXXX XXXX dollars in. It.. wit regular banking habits
Product: Credit reporting or other personal consumer reports

I applied for a HELOC loan with New American Funding. They stated that they perform a soft credit pull to prequalify. After prequalifying my score was not approved due to some thing on my report needing correction. After those things were corrected, I requested for another soft pull ( just as they did with the 1st soft pull ) to see if I would be approved. When asked in the email, the rep XXXX did not respond, but he performed a hard pull in which I did not authorize. A soft pull was performed 1st and I was requesting the same to see if I was approved. The rep XXXX is no longer with the company. I received an unauthorized credit inquiry XX/XX/2023. 

Please remove as I did not authorize this credit pull I have enclosed emails asking about a soft pull as was performed before but received a hard pull and email not answered.
Product: Checking or savings account

XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose my money!
Product: Debt collection

In XXXX I started getting calls from XXXX XXXX XXXX XXXX at least 4 times a day from early morning until late at night. They would not answer when I said hello, and they did not leave messages. I spoke into the phone and told them my number is on the National do not call registry and not to call me any longer. On XX/XX/XXXX, I screamed into the phone asking 4 the caller to identify himself. Apparently he was taken aback and muttered a name which I didn't catch. He told me the company he was calling for was Credit Management in XXXX, Texas. Once more I told him my number was on the National DNC list and I had told him previously not to call me. He said OK and hung up. I got your request via email for this information, but over the last 3 weeks your portal and password resets have not worked. The XXXX phone number has not worked either. Today someone finally answered the phone, but she was ignorant and rude and would not listen to me. This is all the information I currently have. If you need anything else, please make sure your contact parameters are working before you contact me again. I appreciate your help and want to assist you in any way I can, however, there is nothing I can do if your communications do not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Company fails on many levels. The reasons are stated below : Supervisor of Equifax XXXX XXXX states " Equifax often misrepesents information ''. XX/XX/XXXX Supervisor XXXX XXXX VERBALLY confirmed the dispute I filed has been resolved and cleared. 

Extremely poor customer service at many levels by several agents prior to finally speaking with Mr. XXXX who failed as well. 

Refusal by Equifax to send written confirmation of a confirmed dispute clearance by XXXX XXXX on XX/XX/XXXX. An email confirmation had been sent by Equifax with a confirmation number which confirmed I could verify my results. In fact this was false which led me to contact a customer service agent in the first place. 

Refusal of Equifax to send requested credit report by email or mail XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting things on my credit report, showing old account not properly investigating accounts showing multiple discrepancies.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, my husband received an email from Bank of America ( BofA ) notifying us of a pending balance transfer of nearly {$5000.00} that neither my husband nor I had initiated ( from a credit card that neither of us has! ). We immediately called BofA and let them know that this was " not us '' so to speak. The first customer service rep we spoke to said that we needed to talk to someone from the sales department since they initiate balance transfers so we waited patiently while we were transferred. We went through the story again and the person from the sales dept said that they could see that transfer pending ( they even saw the amount that was noted in the initial email ) and that they would need to transfer us to the fraud department. Again, a wait for the transfer, and again, we go through the explanation of why we are calling. The rep from the fraud department, however, could not see that pending transfer and couldn't explain why we got that initial email and said the email was likely fake ( I note that there were no links or other typical phishing related items in the email ). So they said that there was no action they could take. We were therefore surprised that we got another email the next morning, Wednesday, XX/XX/XXXX, that some transactions were flagged as suspicious. My husband then logged into our BofA account and confirmed our actual transactions and flagged the balance transfer as not having been initiated by us. A couple hours later, we received an email stating that our balance request had been processed! We were flabbergasted! 

I sent an email to XXXX XXXX, President of Retail Banking at BofA, on Wednesday, XX/XX/XXXX, with the above information and asking for them to immediately credit our account for the fraudulent amount and asking how this could have happened since we spoke with XXXX people letting them know this was fraud and used there online system to flag it as fraud. I received a call on Thursday from someone who works for XXXX who explained that they would investigate the fraud but it could take up to 2 months and that the fraudulent amount would be put " on hold '' in the meantime, though not credited back to us until the investigation is complete. I was told repeatedly by this person that there was " nothing they could do '' once the transfer was initiated. This despite the fact that we told 3 people and used their online features to let them know this was fraud. I maintained that they could have done something, but they chose not to, or more precisely, their processes would not allow them. And this is the change in their process that I would like to see, that transactions are put on hold while the fraud is investigated versus let them go through and then investigate.
Product: Credit card

I received a XXXX platinum credit card which has a fee of XXXX/year. I was told that if I spent XXXX in the first XXXX months, XXXX would be taken off. If I bought something through their website ( via one of their partners ) or something directly ( plane ticket ), I would get the XXXX back. Therefore not paying for the card. I called to confirm that if I bought through their skymiles website that it would count as a purchase. I went to XXXX and got redirected to XXXX. I purchased a product, which since I have a XXXX close to my home I would n't have done if it was n't for the credit card offer. I did not get the credit back on my card. I emailed and chatted from their website. I was told that this was not the case. I was given misinformation. I would not have purchased through their website and most likely would not have gotten their card knowing that I needed to pay XXXX dollars. 

Your assistance is appreciated. Thank you.
Product: Student loan

I was told by Navient that I was going to be part of the income-based repayment plan. I discovered today that I was not part of that plan. My student loans were never consolidated and I have still been charged interest every month. I was under the impression for the last year I was in this program and would have at least 11 months worth of qualifying payments towards the student loan forgiveness program. I did not know there were separate programs and feel like I have been lied to. I had no idea that my loans were supposed to be consolidated nor did I know the government would pay the interest for the first 3 years. I feel Navient has been misleading because I was under the impression I was in the Income Based Repayment program.
Product: Credit card

I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Requested reasonable accommodation to receive paper statement 's to make payments immediately.. 
Company is refusing to provide statements hoping I don't so the terms will change.
Product: Checking or savings account

In XX/XX/2022 my accounts at the Ally Bank ( CD and high-yield ) were restricted due to a " suspicion of fraudulent activity ''. After that in order to verify my identity the Bank asked me to upload copies of my driver license, social security card and a bank statement confirming my home address. I did it in early XXXX. A representative of the Bank informed me that an investigation would be conducted and completed in 3-5 business days. When that period expired I spoke with a Bank 's assistant to find out what was going on with my accounts. She said that the investigation would in fact take 30 days. In XXXX I called the Ally several times and asked their assistants to pass me on to the investigator dealing with my case but they always told me that the investigator was busy or not in the office right now and that he/she would definitely call me back within 24 hours. I've never received any calls from the investigator. 
I consider it totally inadmissible that for more than 2 months I've not been able to access my accounts and to manage the funds I own. I look forward to your reply and a meaningful resolution to my problem. Please don't hesitate to contact me by email or phone ( XXXX ).
Product: Mortgage

My husband and I have been trying to get on a budget drafting plan. We have paid in full ahead for 2 months. We sent paperwork in originally XXXX/XXXX/22. They said we needed the paperwork and pay XXXX in full in by XX/XX/22 to make this happen. We did everything. It never happened. The told us to try again. So, we have resent everything again. Our next mortgage payment is now not due till XXXX as we are paying early to try to get on the budget plan. This is advantageous to the company to not have us on a budget plan as they make more money off interest. I am currently on hold with them as I write this because they will not let me talk to someone. The company keeps telling us to call back days later and nothing is getting done. We are going to have to pay AGAIN a month in advance if this does not work again.
Product: Debt collection

On XX/XX/XXXX XXXX Apartments ( now represented by Protas, Spivok & Collins filed a Warrant In Debt against me. XXXX This is regarding the same dept. complaint filed XX/XX/XXXX CFPB case number XXXX XXXX XXXX XXXX XXXX I have reached out to attorney XXXX XXXX XXXX of Protas, Spivok & Collins several times requesting documentation to support the balance due. ( The same issue I was having with the previous dept collectors XXXX XXXX XXXX. This balance has yet to be substantiated and the direct communication to the attorney to obtain documentation is being ignored. The original hearing was set for XX/XX/XXXX and it was noticed that there was a billing error as they tried to obtain judgment for {$8400.00} XXXX double the original amount ordered ). Due to this error the case was continued to XX/XX/XXXX. On XX/XX/XXXX the balance although adjusted still was not correct, and the judge ordered a bill of particulars to be mailed to my address within 15 days form XX/XX/XXXX and the case was continued again to XX/XX/XXXX. On XX/XX/XXXX they filed a nonsuit and no new court date has been set. 

As of today I still have no documentation to support the current balance, and no date to anticipate when this matter will be resolved. When I ask the attorney XXXX XXXX for the information she does not respond to my email requests.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt, as outlined in 15 U.S.C. 1692e. The statute provides specific examples of such prohibited practices, along with examples of unfair practices under 15 U.S.C. 1692f. Additionally, the FDCPA stipulates that debt collectors may not harass or annoy consumers, threaten them with arrest, or threaten legal action unless litigation is actually being considered, pursuant to 15 U.S.C. 1692d. 

Under the Fair Credit Reporting Act ( FCRA ), every consumer reporting agency is required to clearly and accurately disclose information to the consumer upon request, subject to the provisions of section 1681h ( a ) ( 1 ).

Please review the attached letters for further details related to this dispute.