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

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues w the platform. Despite using Zelle numerous times for many years and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle 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: Money transfer, virtual currency, or money service

Since XX/XX/24, I contacted XXXX twice by email once by phone as they directed. On XX/XX/24 I sent US {$4100.00} to an account thru XXXX initiated FROM MY CHASE ACCOUNT, where I have sent money to this XXXX account several times. I was since not advised that this XXXX account had been closed- the XXXX XXXX XXXX XXXX XXXX bank account receiving this amount was since closed. 

I have been given the run around by both Chase and XXXX saying to contact the other. CHASE JUST CONFIRMED BY LETTER YESTERDAY THAT THERE IS NOTHING THEY CAN DO. MY {$4100.00} HAS DISAPPEARED. ONE OF THESE INSTITUTIONS HAS THIS MONEY. It is not acceptable for Chase to partner with XXXX, Chase offer this partner product - and then say they have no liability after they have brought this partner in to facilitate this money sending service. They need to be sanctioned. Money especially this large amount can't just disappear into thin air. And providing zero help to the consumer after repeated requests for assistance in recovering this not small dollar amount is unacceptable. 

CFPB - Please have CHASE respond and credit {$4100.00} to my account. Chase needs to resolve this with XXXX. I know they can get the money back. I've already tried to resolve this with both parties with no success. And please make sure institutions are not able to get away with swindling consumers from money & simply ignoring the consumer & claiming no liability. THESE INSTITUTIONS ARE STEALING HARD EARNED MONEY FROM CONSUMERS. THIS IS FRAUD. HAD I KNOWN THIS COULD HAPPEN, I WOULD HAVE NEVER USED THE XXXX SERVICE. AND I WILL LIKELY CLOSE MY CHASE ACCOUNT AFTER THIS AND GO BACK TO CHECKS - NOT THESE FRADULENT XXXXTYPE SERVICES.
Product: Vehicle loan or lease

I contacted BMW Financial Services Attn : Credit Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX via phone and mail. I explained to Bmw that I was in an auto accident on XX/XX/XXXX I explained that my insurance company is stating if they can't get the vehicle computer in alignment intact they may total my car. Because I had to pay out of pocket for a rental car, I explained to BMW that I couldn't afford to make my monthly payment. Custom Services representative XXXX informed me he would note my account and pause any negative credit reporting of my credit report on XX/XX/XXXX. Well despite the promises made BMW reported me late on XX/XX/XXXX. I am currently in the process of buying a home and stand to lose my XXXX deposit if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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: Mortgage

Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX  XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and there is fraudulent account on my report. I do not not owe this company any type of debt please remove this account from my credit report. 

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681
Product: Credit reporting or other personal consumer reports

Dearest CFPB, I badly needed your help! 

I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning inaccurate accounts. Despite XXXX deleting these accounts from my credit report last year, both XXXX and Experian have yet to take similar actions. 

It is upsetting and baffling that different credit bureaus are making varied decisions on what accounts to remove or retain. I believed that if they source information from a single furnisher, their actions should be unified. I request urgent attention to rectify these discrepancies and ensure a consistent and accurate representation of my credit history across all bureaus.
Product: Debt collection

I am writing to you regarding the late payment ( s ) that appear on my credit report for the account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.
Product: Credit reporting

Freeze placed on credit report with Equifax ; written letter with handwritten signature, copy of driver 's license, PIN to unlock freeze, listed handwritten date of birth, social security number and credit card number/expiration date with consumer name and billing address for associated temporary lift fee submitted via USPS certified mail XXXX/XXXX/XXXX with instructions to temporarily remove freeze from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, mortgage company given permission by consumer to access credit report states security freeze remains. Attempt to remove credit freeze via telephone system by consumer also denied and recording indicates can not be completed via this method. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX to XXXX. XXXX XXXX, XXXX, Georgia XXXX, indicates Equifax received written request XXXX/XXXX/XXXX. Upon looking at Equifax website for a former dispute, freeze remains with statement of 'legislative security freeze in place ' ( see photo ). Not only was written request submitted and received, but Equifax CONTINUES to not follow written request and deny consumer the right of allowing lift to be placed and removed upon her discretion. Consumer feels Equifax is purposely withholding credit report as a form of retaliation to consumer for filing complaints with CFPB due to their reporting practices and has placed consumer 's file in " Special Handling '' services.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my Experian, XXXX and XXXX and I noticed some late payments on my credit report : Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the late payments from my consumer report, this agency violates 15 USC 1681. 

I XXXX XXXX XXXX XXXX is giving your company 15 days to respond. If your company does not respond in 15 days, you are legally required under the FCRA to delete these late payments from my credit report. If not, I will take legal procedures against your company. 

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 4. 1692g violations 5. Fair Credit Reporting Act 15 USC 1 6. 681 violations for willful noncompliance-6 7. 16. Civil liability for willful noncompliance ( 15 U.S.C 8. 1681n ) Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to express my intent to pursue legal action against XXXX XXXX XXXX for willful non-compliance with the provisions outlined in 15 USC 1681n. This intent is a result of the ongoing inaccuracies that XXXX XXXX continues to report on my consumer report, despite my numerous attempts to rectify the situation and bring it to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX  and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened an account on XX/XX/XXXX with suntrust bank and i deposites XXXX with a check that i recieved from the sale of my house from the title company after a seven to ten day hold of my funds i was able to make two transactions before my account was locked i have called repeatedly and even went to my local branch and they dont seem to have any answers for me i dont have access to my money or anything its been over a month and still no answer as to why this is happening to me now as of XX/XX/XXXX under my transaction details it says Legal Order Debit for XXXX and once again no answers to why this is happening or reason all i know is my money has been taken from me.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The information and Accounts listed below have violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party 1. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX XXXX XXXX  - Address ID # XXXX XXXX - Address ID # XXXX XXXX - Address ID # XXXX XXXX XXXX - Address ID # XXXX XXXX - Address ID # XXXX XXXX XXXX - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Request immediate deletion - Account XXXX : XXXX XXXX XXXX XXXXXXXX request immediate deletion - Account : XXXX XXXX XXXX. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX :. Resolved account request immediate deletion - Account XXXX XXXXXXX XXXX XXXX  : request immediate deletion - Account XXXX : XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account : XXXX : XXXX XXXX XXXX request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXXXXXX XXXX : request immediate deletion - Account XXXXXXXX XXXX XXXX : request immediate deletion
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Subject : Dispute of Incorrect Personal Information and Complaint Against Experian Representative Dear CFPB Representative, I am writing to formally dispute inaccurate personal information reported on my credit report and to file a complaint against a representative from Experian who has not resolved the issue. 

Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX Phone Number : XXXX Issue Description : I have identified incorrect personal information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This section mandates that credit reporting agencies must maintain accurate and complete information. Despite my efforts to resolve this issue with Experian, it remains unresolved. 

Details of the Dispute : Incorrect Information : The personal information reported on my credit report does not accurately reflect my actual data. 
Previous Communication : I contacted Experian, the only reporting agency with this issue, and spoke with a representative named XXXX XXXX XXXX XXXX. Despite my request for correction, the issue has not been resolved, which is a violation of the FCRA. 
Requested Actions : Correction and Deletion : I request that all incorrect personal information reported on my credit report be corrected to reflect my accurate details and that any erroneous information be deleted. 
Complaint Against Representative : I also wish to file a complaint against the Experian representative XXXX from XXXX XXXX for failing to address my issue adequately. 
Legal Reference : Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The credit reporting agency is required to investigate and correct any inaccuracies. The failure to resolve this issue by Experian and their representative constitutes a breach of this legal requirement. 

I would appreciate your prompt attention to this matter and request confirmation of the actions taken to rectify the incorrect information on my credit report. Additionally, I seek your assistance in addressing the conduct of the Experian representative involved. 

Please contact me at the phone number provided above if you require any additional information or documentation to facilitate the resolution of this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I would like to get them uplifted or deleted, as I am unable to view it online. Please do it as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer of {$2000.00} dollars on XXXX XXXX XXXX but the recipient said she never received the funds. I then lodged a complaint with Wells Fargo after which they wrote me a letter that the money was delivered to the bearer. A claim number XXXX was allocated to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ACEPTANCENOW XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit card or prepaid card

I TERMINATED TWO USAA SECURED CREDIT CARDS NEARLY 60 DAYS AGO I'VE BEEN GIVEN THE 'RUN-AROUND '' BY USAA REGARDING THE RETURN OF TWO SECURED XXXX 'S THAT SHOULD HAVE BEEN RETURNED TO ME WEEKS AGO I HAVE SAVED ONLINE CHAT ON THREE DIFFERENT OCCASIONS PROMISING THE RETURN OF SAID FUNDS FOR THE LAST SEVERAL WEEKS NOT RIGHT!
Product: Mortgage

My client is trying to sell his home and is unable to do so because there was an equity loan on his home which was sold to several lender and none of them filed appropriate documents such as assignment of mortgage, power of attorney or servicing agreements. We are unable to close due to this and my client is going to lose his home in foreclosure. PNC took over National City.