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

I am writing to file a formal complaint regarding the recent Zelle lawsuit, which I was personally affected by. The situation has caused significant distress and financial harm, and I believe my experience warrants attention. 

Details of the Issue : I was a victim of unauthorized transactions made through Zelle, which were not approved by me. These transactions have led to significant financial losses, and despite my efforts to resolve the issue directly with my bank and Zelle, I have not received adequate support or compensation for the damages incurred. 
I request that the CFPB investigate this matter and take the necessary actions to ensure that consumers are protected from fraudulent activity involving Zelle. I also seek reimbursement for the unauthorized transactions and compensation for the distress caused by this situation.
Product: Mortgage

Background : My partner and I tried to refinance our home mortgage through Rocket Mortgage starting XX/XX/XXXX. During the initial refinancing process, we were upfront with our loan officer and let him know that 1 ) I am a XXXX student and so my income is very minimal, and that 2 ) my partner owns a LLC and he is a consultant with 1099 forms. This means that his income is not as consistent as a W2 workers ' and that he will have periodic weeks of unemployment with no income while he is looking for new contracts. However, once he is able to successfully lock down a contract, his income is around $ XXXX. He also has enough saved in his savings accounts to keep himself stable while he is unemployed and then some. Our loan officer took down this information and told us that this is fine and that this won't negatively impact our ability to close our refinanced mortgage. We paid {$500.00} as a deposit and began the refinancing process.

Problem : Two months later ( XX/XX/XXXX ), Rocket Mortgage told us that they can not process our refinanced mortgage and they have to close our loan because there was a lapse in income. They said this because during the two months ( XX/XX/XXXX to XX/XX/XXXX ), my partner completed a contract and is in the process of negotiating a new contract ; he is unemployed and does not have any income at the moment. However, as indicated in the previous section, we had already let Rocket Mortgage know about our income structure and they indicated it would not preclude us from closing our new mortgage. As it stands, it feels predatory that they seemed to understand how our income operates but then penalize us when what we told them about our income plays out in real life. 

Current situation : Rocket Mortgage has closed our loan and we are trying to get our {$500.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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


Account Name : XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

I dont own a PNC account. I have a prepaid card only with no account that I applied for last year. I went to upload funds to the card and never shared my SSN number. The bank customer service rep only saw my drivers license. I was notified by the credit bureau that they opened a fraudulent account in my name when I walked out. I attached what the credit bureau has shown me.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding ongoing issues with Zelle, particularly its handling of customer disputes and the protections afforded to users. Reports of financial institutions mishandling fraudulent transaction disputes involving Zelle are alarming and highlight serious gaps in consumer protection for electronic payment services. 

Zelle operates as a key player in the peer-to-peer payment industry, yet users frequently face significant challenges when seeking recourse for unauthorized or fraudulent transactions. Many of these cases reveal inconsistencies in how financial institutions handle disputes, often leaving consumers vulnerable and without proper resolution.

I urge the CFPB to take decisive action by holding Zelle and its participating financial institutions accountable for their role in protecting consumers. Specifically, I ask that the Bureau : Enforce stronger compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E to ensure consumers are reimbursed for unauthorized transactions.

Investigate Zelles policies and practices to identify systemic failures in dispute resolution processes. 
Advocate for increased transparency and communication from Zelle and its partner banks to help consumers understand their rights and protections. 

These steps are critical to restoring consumer trust in electronic payment systems and ensuring that companies like Zelle prioritize the safety and security of their users. 

Thank you for your attention to this pressing matter. I look forward to the CFPBs actions to address these concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, File Number: XXXX Re: EquifaxI have sent them numerous letters from my self and print outs and copies of pay history from XXXX XXXX showing there was not a late payment made. An extension had been given and therefore the account stayed current with 0 thirty day late payments. However they refuse to correct this error claiming they contacted the bank, yet I have also spoken with them and confirmed I have never been late, filed with their own internal review, and been sent the documentation I sent to Equifax showing there were no late payments made. This may be their revenge for the fact my personal date was one of those hacked thru their system and I am in line to receive compensation.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while XXXX.
Product: Debt collection

i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, XX/XX/2023 at XXXX, Central Portfolio Control , Inc . Sent a text message to my mother, address to me. 
In the text, it contained an Agency ID to get into the account to view payment and discount options.

The only other info that was needed to get into and view all of my account details, including the amount owed, was the last 4 of my SSN.

Sharing my personal info is not only illegal but its unprofessional and very concerning. 
I have contacted a law firm and I also sent an email to CPC, INC. to tell them how inappropriate it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

They are mixng my name with my dad. His name is XXXX and my name is XXXX. They are also mixing my address with my dad. My XXXX lived before XXXX, XXXX, NJ XXXX. I have never live there before. My XXXX now lives XXXX, XXXX, fl XXXX. 
I live now at XXXX XXXX, fl XXXX Before that Live at XXXX, XXXX, fl XXXX before that XXXX NJ XXXX. 
Please Help me fix this problem. 
XXXX XXXX
Product: Credit reporting

The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX. XXXX / XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account # XXXX XXXXXXXX XXXX XXXX  # Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon requesting and viewing my credit file with Equifax ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Equifax ). Here are the errors that I need Equifax to correct. 1. XXXX XXXX XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX- This account is paid in full. 3. XXXX XXXX XXXX This is not my account. I have never done business with the company listed. 4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.
Product: Credit card or prepaid card

I called to cancel my credit card on 5 different times over a period of 14 days. I did not record the acutal day 's I contacted them except today - XX/XX/2020. I expressly asked to cancel the credit card. The 1st two times I talked to a " representitive ''. On the second phone call they said they had no information that the card was cancelled and they said they had no explaination but would cancel the card. The 3rd phone call was to a " supervisor '' who said they would " look into it ''. No result from this phone call, the card was still active. The 4th phone call was to an " account specialist '' who said they would get the card cancelled. Again no result. This last phone call on XX/XX/2020 was again to a representative who said " we are short handed and would cancel the card ''.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX XXXX XXXX Dear CFPB, I am filing this formal complaint against XXXX and TransUnion for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite submitting XXXX prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from XXXX and TransUnion. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision. 
15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on XXXX and TransUnion : Still inaccurately reported as 30 days late. 
Evidence Supporting the XXXX XXXX reports from all three bureaus ( XXXX, XXXX, and TransUnion ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired XXXX I formally request the following : XXXX removal of the inaccurate late payment notations from my credit reports with XXXX and TransUnion. 
Written confirmation of the corrections made. 
XXXX that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status XX/XX/XXXX Submitted follow-up letter with Affadavit of Residence XX/XX/XXXX Received letter from PayPal Credit requesing copy of driver 's license XX/XX/XXXX Submitted a copy of my drivers license as requested XX/XX/XXXX Received letter from PayPal Credit again requesting copy of driver 's license XX/XX/XXXX Submitted another copy of my drivers license as requested XX/XX/XXXX Received detailed documentation from PayPal Credit about the disputed charges XX/XX/XXXX Contacted customer security operations to inquire about status of complaint XX/XX/XXXX Contacted XXXX County Police to file report XX/XX/XXXX XXXX County police contact PalPal Credit to let them know report had been filed XX/XX/XXXX Contacted customer security operations to inquire about status of complaint. 
Was told that I would have to send them a copy of police report. 
Was originally told by XXXX County Poolice that PayPal Credit would have to request it. 
Sent an e-mail to XXXX County Police requesting report under FOIA.
Product: Checking or savings account

3 unauthorized debit charges on XX/XX/XXXX totaling {$77.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / INTERNATIONAL SERVICE FEE CARD NBR : XXXX {$2.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX CARD NBR : XXXX {$75.00} DBT PURCHASE ON XX/XX/XXXX @ XXXX / XXXX XXXX XXXX WA CARD NBR : XXXX {$0.00} Submitted an affidavit through XXXX XXXX branch but didn't receive any feedback or credit back. Tried calling customer service and they are not helpful.
Product: Student loan

My son took out a student loan from XXXX XXXX Bank XX/XX/XXXX. He was attending XXXX University in Ohio. XXXX then sold it to American Education Services. I am the co-signer of that loan. XX/XX/XXXX I received a letter from AES stating that the loan was delinquent and to bring the loan current I would need to submit {$120.00}. I sent the payment in on XXXX. The check was cashed on XXXX XXXX. XXXX was only working 1 to 2 days a week XXXX in XXXX, Ohio. He tried to get a deferment. We never heard from them. I never got a delinquent notice since XXXX. In XXXX I get a collection agency calling me. So I called AES XX/XX/XXXX, spoke with XXXX # XXXX. He told me that he could not get a deferment because the loan was in default as of XXXX XXXX or XXXX. I asked him how that could be because sent in the payment in XXXX to bring the loan current. He said it was in default because XXXX and XXXX payments were not made. I asked him why I was only billed for XXXX. He stated that they only bill for current month. So they took my payment and defaulted the loan anyways. The loan was sold to XXXX XXXX in XXXX ( XXXX ). They would not accept a payment plan. They would only accept full payment of XXXX. A lawyer advised us to make a payment to bring the loan current. On XXXX XXXX, I sent AES a {$700.00} check. This was the only address that I had. The check was cashed on XXXX XXXX. I called AES and they told me that they would forward it to XXXX XXXX in 45 days. Never heard another word from them. Now we get a letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. My complaint is with AES that as a co-signer there was no notifications. If I would of known that the XXXX and XXXX payment was dueI would of payed it. Now we are in this mess. I would like to file a complaint against AES.
Product: Bank account or service

I received a XXXX tax document ( showing a gross distribution of {$120.00} ) from 'HSA Bank , a division of Webster Bank , N.A. '. I do not remember having an HSA account there. When I try to access 'the account ' on their website, it says " user not found ''. I called up and the client representative also could not locate my account. Can someone responsible from the bank clarify if I have an HSA account with the bank or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report recently and noticed there was inaccurate/erroneous information being reported on my XXXX, XXXX and experian account. On XX/XX/2023, I traded on my lease from XXXX XXXX for my XXXX XXXX vehicle. My old vehicle was then purchased in full for approximately XXXX XXXXXXXX. The payment was sent to XXXX XXXX from XXXX XXXX ( attached is the evidence showing the proof of payment ) Additionally, XXXX XXXX has confirmed within the attached letter that dated XX/XX/2023, I currently have a zero balance loan and have never had any outstanding payments. As such, I request that the late payment identified on my XXXX, XXXX, and Experian credit reports be removed as they are inaccurate. I also want my payment history back to 100 % as I should have ZERO late fee 's. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent a letter to XXXX/XXXX   including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX/XXXX  ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX/XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.