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

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of 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 funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of transparency and accountability is unacceptable and unbearable, it raises serious concerns about consumer safety.
Product: Mortgage

Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

My Dad purchased a refrigerator at the XXXX Store in XXXX, Texas, through XXXX ( aka Tempoe ) on Saturday, XX/XX/2019. I paid for half of the price from my debit card while he paid for the other half cash. This was the beginning of our problems. The refrigerator was supposed to have been delivered on XX/XX/2019, The delivery team was rude to my XXXX, XXXX  father, and never delivered the merchandise. On XX/XX/2019, I rushed my father to the emergency room where he was subsequently admitted into XXXX. On XX/XX/2019, prior to being XXXX, he gave verbal notification to XXXX that he would be cancelling the refrigerator. Sadly, he died on Saturday, XX/XX/2019. On Monday, XX/XX/2019, I went to XXXX and spoke to the manager to submit paperwork to XXXX  to inform them of his death and to have them process the refund in my name. The documentation was faxed while I was at the store office. I had been following up with XXXX, but, to no avail. From what " XXXX '', the district operations manager for Tempoe told me, documents received between Monday and Wednesday would yield a check release on the Friday of the same week. By his statement, the check should have been mailed to me on Friday, XX/XX/2019. For reasons unknown to me, XXXX did NOT process anything in the timely manner alleged and the check was allegedly mailed on Friday, XX/XX/2019. I have attempted to get the corporate telephone number to Tempoe to formally complain about the rude and insensitive manner in which I had been treated by " XXXX '' and XXXX/Tempoe. When I asked for the corporate number, XXXX would not provide it to me. Instead, he talked down at me and was quite rude. He kept giving me toll free numbers that wound up being answered by people who were not even in the United States. When I demanded the corporate telephone number, I was given what turned out to be a mobile phone contact. As of this writing, I have not received a refund.
Product: Debt collection

I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. 

I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.
Product: Debt collection

I had a XXXX account show up on my credit report from XXXX XXXX XXXX. I have no knowledge of this account, never opened an account with them, never authorize them to have any of my personal information, and never signed or gave them my social Security number. I have no clue what this account is and feel it could be identity theft or the company has my confused with someone similar
Product: Credit card or prepaid card

I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. 

This is horrible customer service.
Product: Mortgage

PART XXXX -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR XXXX ( b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). 
Specifically, I 'm requesting to know the identity of a true secured lender/creditor, and the existence of debt. Because of extensive criminal activity and fraud in this arena, I require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. CFR XXXX XXXX b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I 've been asking for a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit. 
In fact, XXXX XXXX Bank, XXXX, has been publicly out of business since XXXX. Please see attached document for verification and confirmation from the Federal Deposit Insurance Corporation. According to the FDIC, XXXX XXXX Bank, XXXX did [ n ] ot exist on XXXX XXXX, XXXX. The attached assignments of mortgage make it appears XXXX XXXX Bank, XXXX was an active company on XXXX XXXX.
Product: Debt collection

declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I cantity that I am permined by FEDERAL and STATE LAW to fie this dispute also understand that knowing and witful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621 This collection found within my credit report are not related to any transaction that made I am alleging that a person or company without my authorization-used my personal dentifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting

The account information being reported to credit bureaus is inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, several accounts reported on my credit report per XXXX XXXX. Upon research, Im no longer responsible for the accounts. I challenged the validity of the Chapter XXXX Bankruptcy, Reference Number XXXX reported XX/XX/2016 that was being reported on my credit report. Upon challenging this, Transunion and XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed upon challenging the Bankruptcy account with Transunion that they are legally responsible in removing all information associated with inaccurate information being reported. I noticed as a result of challenging these accounts with Transunion that they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Transunion used to verify these accounts in writing. If such documents can not be produced please delete these accounts immediately. 

Accounts are referenced below. The accounts are reporting inaccurately and needs to be removed. The accounts has comments stating that the accounts were included in chapter XXXX bankruptcy yet there is not a valid bankruptcy on my Transunion report, therefore my my consumer rights has been violated and Im requesting legal actions now. 

XXXX XXXX XXXX XXXX XX/XX/2016 - account number XXXX *XXXX/XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account XXXX XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX
Product: Mortgage

SHERIFF SALE TODAY AT XXXX -Hi. I have been trying to work on a loan modification from Wells, Fargo. 
XXXX XXXX turned me down yesterday afternoon. He said he is investigating my complaints to you. He has not finished with the investigation and is still holding the sheriff sale on my home today. This is not right. XXXX people at Wells, Fargo gave me totally different answers as to why I was turned down ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
In addition, I have received letters from XXXX XXXX acknowledging my inquiry. Every time I call her, I am told that she does not take calls - " she just writes letters ''. How can a XXXX representing Wells, Fargo Home Mortgage not take calls when she writes you a letter? 
Wells, Fargo put XXXX people on my account and each one does not know what the other XXXX said to me. This is not in compliance with the bank regulators. 
Please investigate. Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I opened a Bank of America credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of Bank of America. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional 800+ score and now it has dropped signficantlly all due to one Bank of America payment of {$89.00} which I was never bill for!
Product: Checking or savings account

I have been banking with Chime for the past year, and have never had any problems .... UNTIL NOW!!!!!! 
On XX/XX/21 I received an email from chime 's support team stating that my account will be closing on XX/XX/21. YES YOU READ THAT RIGHT!!!! my account was closed the same day i received the email ... NO heads up to transfer money and/or change my direct deposit info to my other bank account. The closure of my account happened THE DAY BEFORE my direct deposit was supposed to hit ... Well here it is payday and i have absolutely no clue where my check is.. I have no clue as to if my check was returned to my employer or not. I have called, emailed, DM 'd on XXXX  AND XXXX  and no one can give me a direct answer. I don't even care as to why it was closed anymore I just want to know where the XXXX my check is ... .... I would NEVER suggest someone to use chime especially all the scam claims that are coming out about them now.. I wish i would've known before I ever used them
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis you are officially ordered to to cease desist any and all consumer information about my self to any one or company that includes XXXX, XXXX, XXXX any consumer reporting agencies I never gave any approval to make my consumer report public. my right to privacy is being violated by you I ask that the CFPB step in on this matter enclosed are USC codes that you are violating
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX U.S.C. XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 
Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited money into an ATM and it failed! The ATM Kept my money and gave me an error code. I called to file a claim ( Claim # XXXX ). They gave me a provisional credit until they investigated and looked into it. I then received a letter saying they were going to take the money back because they couldnt located the funds. This is ridiculous. Theyre a bunch of thieves and crooks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : Experians, XXXX and XXXX. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXX bankXXXX XXXX XXXX  XXXX XXXX bank, XXXX XXXX XXXX, XXXX financial, XXXX Auto, XXXX dealer, XXXX XXXXXXXX bank, XXXX auto, XXXX XXXX  bank, XXXX  financial, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was Transunion questioning my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX XXXXXXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. 

This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit card

On XX/XX/year>, XXXX charged my Barclays credit card over XXXX times with small charges ( $ XXXX ) around XXXX XXXX. I woke up to the array of charges that morning and an alert from Barclays that my card was suspected of fraudulent behavior. I called and confirmed that none of these small charges were made by me. I closed that credit card to have a new one mailed to me, and I placed a hold on my account and contacted XXXX to tell them it was fraudulent. I asked for a call back from XXXX and received nothing. Two months later, Barclays says they investigated and side with XXXX, but I was provided no further information. Then Barclays proceeded to let the merchant charge over {$860.00} worth of charges to my account from the same day that the fraudulent activity occurred. No one is calling me back or providing information, and XXXX won't even allow me to create an account using my email to fight the charges via the merchant. 

I have an XXXX XXXX XXXX, have always paid my bills on time and in full, and consider myself one an extremely financially responsible human. It is clear that this was not me.