23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

I am not liabe for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX, MO XXXX. In the amount of {$260.00}. 

I am not liabe for this debt with XXXX XXXX and I do not have a contract with XXXX. XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX MI XXXX. In the amount of {$160.00}. 

I am not liabe for this debts with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. In the amounts of {$110.00} and {$200.00}. 

I am not liabe for this debt with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. In the amounts of {$200.00}.
Product: Mortgage

Ditech mortgage company failed to get in contacted and in writing with XXXX and XXXX XXXX regarding mortgage payment changing. XXXX and I learned on XXXX XXXX,2017, that we were in a debt collection due to tax impound changes these changes happened on XXXX XXXX  2017. On XXXX XXXX2017 XXXX stated from ditech that they assumed that they were in contact with XXXX XXXX on XXXX XXXX, 2017, but apparently they were speaking to our bankruptcy attorney regarding our changes. I XXXX and XXXX XXXX have paid our mortgage thru our checking account bill pay this entire time because I could not pay them thru there web site due to to our Chapter XXXX again Ditech never send us correspondence nor did Ditech leave any messages regarding these changes to our mortgage account. I sent a certified letter to Ditech on XXXX XXXX,2017 which they received the letter on XXXX XXXX,2017 with our concerns on how we wanted our credit to be back on good standing with all three credit bureaus and that all late charges be reverse due to poor communication. Best Regards
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost finds was impossible and 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: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from EXPERIAN Credit Report Monitoring system of XXXX points decrease, BECAUSE XXXX is reporting inaccurate, unverified, not validated and frivolous account ( XXXX ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) XXXXXXXX is VIOLATING my federally and state protected consumer rights to privacy and confidentiality undXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt XXXXollectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, XXXX IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education XXXX XXXX ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct Experian and XXXX, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! ThANK You!!
Product: Credit card

The Gramm-Leach-Bliley Act ( GLBA ) is being violated by this company ( Please see attached )
Product: Credit card or prepaid card

Money is being held with out my permission. Causing me to have pain and suffering for me and my daughter. Horrible customer service and rude employees lie about the policy and does not follow it. I am having a horrible experience with chime and it needs to be resolved.
Product: Vehicle loan or lease

RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment
Product: Credit card or prepaid card

On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. 
In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. 

I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. 

I proceeded to correct my error and made a full payment. 

Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. 

I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. 

I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. 

I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress.
Product: Checking or savings account

On XX/XX/2023, submitted an online application for checking account and received instant approval and notification that my account funding ( transfer from another bank ) had been processed. Upon attempting to login to online banking on XX/XX/2023, I receive a notification that the account no longer exists. If this is said to be accurate, there was no notification from this company, nor any explanation for same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fully expect Experian to accept this dispute as it is my right to investigate and verify my account information. First thing is my name is wrong 2 times I am not a Senior. I am not XXXX XXXX either. There are current addresses and previous address and employers that are not correct. Also other accounts I have outlined in the letter attached and inquiries I did not authorize
Product: Debt collection

the complaint is against receivable performance mgt .. Upon review talking with XXXX XXXX .. who paid all bills concerning internet and XXXX XXXX ..According to XXXX XXXX ... XXXX XXXX been paid in full and that Receivable performance is not authorized to collect any debt relating to my account..That in fact the account is paid in full ... tracking # is XXXX conf # XXXX ... ... Further XXXX   failure to protect the consumer and allow a unathorized collection from a shady company like receivable performance mgt to harm my excellent credit ... what is clear this company Receivable performance violate federal and state laws from unathorized use of my Social security #., providing false information to a credit reporting agency, I hope your agency investigate this and refer it to criminal review thank you
Product: Debt collection

In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.
Product: Debt collection

On XX/XX/XXXX, a little after XXXX, I got a phone call from a number I did not know, so I ignored it. They immediately called back, and left a message identifying themselves as XXXX XXXX, which sounds like a fake name. I had not received any mail from the company prior to this, and didnt get any written correspondence until about a week later. There had already been a dispute with the creditor ( XXXX  ) about the debt owed, as it was paid by gap insurance after the car was totaled in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

On XX/XX/2022, I deposited a cashiers check into a personal checking account at Bank of America, in person, with a deposit slip. As of XX/XX/2022, the funds are not available and will be held until XX/XX/2022. I advised the manager XXXX XXXX of CFR 229.10 ( c ) ( 1 ) ( v ) and that the bank was in violation of the Next Day Availability and she said she doesn't follow federal law, she follows bank policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX  CA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including a letter which best describes all of the mistakes on my credit file
Product: Debt collection

To whomever this may concern, Wakefield and Associates is the collector agency that XXXX XXXX XXXX XXXX  used to collect this debt I owe. However, I do not recall using XXXX XXXX XXXX Services on XX/XX/XXXX. I do remember using XXXX XXXX XXXX Services sometime in the fall of XXXX ; at the time I did not have medical insurance and was struggling financially. Regarding the collection agency, I have never received a letter from them nor have received a bill from them. I have called over and over and have left voicemails ; no one has gotten back to me. I have sent emails to them, and no one has responded back to me ( I even checked my spam folder ). 

Thank you.
Product: Mortgage

In XX/XX/2024, our mortgage holder XXXX XXXX at that time, sold our loan to Selene Financial. In XX/XX/2024 the portal to pay our payment could not be made do to loan sold. A month later we found out that Selene Financial owns our loan. 
Therefore, the XXXX XXXX XXXXXXXX we applied for a refinance and cash out from XXXX XXXX XXXXXXXX XXXX 

The problem is that you can only call a call center were the employee can not communicate with the internal offices such as the Loss Mitigation or any customers service. They email the internal offices and when they get time will call you back. 

On XX/XX/2024 we had our loan officer and title company finally got ahold of someone about our loan and they just hung up the phone. We try to get to the right person who could be given permission to talk to Selene Fincincial but they just kept hanging up. 3 times. The call center refuse to give us a number to talk directly to the person we needed to talk to but to no avail. It has been very ver 30 days with no communication. Can you help us
Product: Debt collection

On XX/XX/2021 I sent a certified debt validation letter to Midland Credit. To date, there's been no response from them. They are still reporting to the credit bureaus and shouldn't be since they can't/did n't validate my request.
Product: Money transfer, virtual currency, or money service

I paid my fee for XXXX XXXX XXXX Subscription and the software would not download. I already had a legalcopy of the softwarte on my machine and the XXXX would not download. I contacted support and they had canceled the subscription, but there is no redund back to the account and I did contact the merchant. So now I do not have XXXX Software on mu machine because it has to be removed during trouble shooting and now if I want to use iot I have to access through an old alumni account at XXXX Online. Which is completely ok and legit.
Please refund XXXX to my Bank of America Account.
Subscription : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX
Product: Mortgage

In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX. 

In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation. 

We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence. 

I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received. 

We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, XXXX protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second and final complaint on the issue before I seek remedy in district court. 
see complaint # XXXX for reference
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$910.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  reported late payments when loans were either in forbearance or deferral status. Three loans have been affected.
Product: Credit reporting or other personal consumer reports

I submitted disputes to Transunion which they refuse to resolve. They require the consumer to do the work of obtaining a letter from creditors who pulled credit without authorization and do not attempt to resolve those issues on behalf of the consumer. This is my XXXX attempt to get the same inquiries off of my credit report.
Product: Checking or savings account

I had fraud on my navy federal checking account. The fraud wasb carried out thru XXXX. which is what i thought a safe and widely used way to send receive money which exposes. Your account numbers. The fraudsters used these numbers given by me thru plaid to steal like XXXX from my account. As soon as i noticed i contacred navy federal and was able to stop some of the transfers. I did everything possible to prevent and stop any further damage to account. Navy federal refunded me my money then a month later on payday nfcu took all of my pay check without any warning to me. Nfcu some how denied my fdic insuramce on my money. Which was not my fault. Very dirty customer service. I closed my account. I believe navy federal owes me my fdic insured money back to me.. further actions will be taken if i dont reveive my money they stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my rights to privacy and confidentiality under 15 U.S.C 1681. 

1. XXXX XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX XXXX XXXX : # XXXX 4. XXXX XXXX XXXX  : # XXXX 5. XXXX XXXX XXXX : # XXXX 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 reparation 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 containin any of the following items of information. Any other adversed 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 the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I received a denied letter for approval of refinancing my auto loan with XXXX XXXX XXXX XXXX, I applied for on or about XX/XX/XXXX, at which time XXXX  XXXX approved me. The XXXX XXXX representative told me over the phone verification of my payoff and issuance of check to my credit union, the auto lienholder, is the last step. I decided to keep the loan with my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), and : XXXX. I do have proof of auto refinance loan approval from XXXX XXXX XXXX XXXX. 
XXXX. The denied approval, contrary to the approval, and hard inquiry negatively impacted my credit score lowering it. 
XXXX. I believe the time period is unacceptable to receive a denied approval letter on XX/XX/XXXX, from XX/XX/XXXX, the date ( over 30 days ) I applied for the auto refinancing loan. 
XXXX. I submitted my claim first with CFPB, because XXXX XXXX XXXX XXXX does not have online complaint reporting, only mailing or faxing that I find unacceptable as well as shown below : Dispute with XXXX  XXXX Please include the following information in the dispute letter you send to us : Please send your dispute and supporting materials directly to us : Auto loan-related issues : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX recommend downloading and completing our Auto Loan Credit Bureau XXXX XXXX and XXXX XXXX XXXX relevant information that explains your situation. Return the completed form to the XXXX XXXX XXXX for XXXX loan-related issues. 

If you believe you XXXX be a victim of fraud, including identity the, please call us at XXXX. 

Return the completed enclosed form and supporting documents by fax to XXXX, ATTN : Credit Bureau XXXX, or by mail to : ATTN : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If you have questions or need more information, call us at XXXX. Were available Monday to FridaXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX I appreciate your help with looking into this situation. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit card

I opened a Macy 's American Express Card XX/XX/XXXX. This automatically opened a Macy 's store credit card, as well. I put several purchases on these credit lines. Although I am never late in paying any of my bills, whenever I received the monthly statements from Macy 's the charges were always overdue. In other words, the due date of the payments was before the monthly statement was issued to me. Thus, the charges were always overdue by the time I received the statements. Because of this, I tried closing my Macy 's accounts. I spoke with numerous customer service representatives and closed my accounts multiple times over a 6 month period. Each time I did so, I would still get another monthly statement saying that my accounts were still open. Finally, I spoke with a manager who " confirmed '' that my accounts were closed. I did not receive another monthly statement, so I assumed that my accounts were finally closed. This was in XX/XX/XXXX-XX/XX/XXXX. Now, here in XX/XX/XXXX I got an alert from my bank that my credit score had changed. Upon examining my credit report, both the Macy 's American Express Card and Macy 's store credit card were still open! I have tried many, many times to get Macy 's to close my accounts but they still have not done so. This is after fleecing me on late fees for charges that were never truly overdue. I am asking the Consumer Financial Protection Bureau to help me.