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

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 funds was impossible and that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and LCI and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Product: Payday loan, title loan, or personal loan

I have had a loan with Lending Club since XX/XX/2019 and every payment has been made on time with the addition of principal acceleration. Lending Club sends regular emails asking me to apply for a new loan with a lower rate, I tested this offer this evening and received a DENIAL due to lack of Lending Club payment history. Uhm ... .help me out here all payments have been on time and accelerated principal. Deceptive advertising and now a hard pull on my credit, hello UDAAP?
Product: Mortgage

I applied to Better Mortgage to refinance my mortgage back in XX/XX/2020. The appraisal that was conducted was incomplete and way lower than market value. Better has promised multiple times over the last 4 months that they would refund the appraisal amount fee of {$550.00}. I never received this refund. I have attached the very long email thread that shows Better.com promised the refund of {$550.00}. I have also attached a screen shot of the {$550.00} charge to my master card back on XX/XX/2020. I have yet to receive the refund for the appraisal fee. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX account # XXXX Please delete asap
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXXXX/XX/XXXX on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report.
Product: Checking or savings account

Please send me all original transactions and documents stating this debt in balance XXXX XXXX XXXX  Account # XXXX I have filed a police report pertaining to this debt and information that you were not able to provide Report # XXXX Report type : Fraud Officer : XXXX Badge # XXXX
Product: Student loan

In XX/XX/XXXX I was notified that servicing was being transferred from XXXX to FedLoan, but not to worry because everything would be transferred including auto debit. After not hearing anything further, I contacted FedLoan to make arrangements for my XX/XX/XXXX payment, and expressed multiple times that I did not want to be placed into a forbearance while able to pay under the IBR plan that I have had since XX/XX/XXXX. Auto debit was not set up yet and I was given the opportunity to make a XX/XX/XXXX payment, but it was not the full amount ( the other group was still in administrative forbearance ). I was assured that my request to remove the forbearance and set up auto debit would be processed. I also asked to be allowed to make the other XX/XX/XXXX payment, and was told my request would be submitted to Treasury. I received notice for XX/XX/XXXX that only the one group was set up for auto debit, so I manually drafted the other payment. Then I received notice that I was delinquent. I called to clarify, was told not to worry because it was for the XX/XX/XXXX payment that I was requesting permission to pay, and it would show late but nothing would happen, and in the meantime Treasury would contact me. Today I received notice that my request for a " delinquency forbearance '' was approved. At this point I feel like we are going backwards. I would like help to achieve this outcome : Both groups/all loans in Repayment under my IBR plan ; Both groups/all loans set up in Auto Debit ; Process request w/ Treasury to pay the XX/XX/XXXX payment ; and Do not penalize me for delinquency or late payment for XX/XX/XXXX, as I have been extremely clear - by email and by phone - that I was requesting the forbearance to be removed for the purpose of making the payment. Thank you for your assistance with getting the servicing of my loans back on track.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF INACCURATE LATE PAYMENT AND FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX bank account # XXXX, we card service 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: Debt collection

I called Portfolio Recovery Associates the week of XX/XX/17 to pay a XXXX XXXX credit card that had been charged off. The representative I spoke with gave me only three options : 1 ) Make one payment to pay balance 2 ) Split amount over 3 monthly 3 ) Split amount over 6 monthly payments. I asked the representative if I paid the full amount, would the account be removed from my credit. I was told that it could take the credit bureaus up to 30 days, but that the account would be deleted once it was paid. I gave him my payment information, which cleared my bank a couple days later. 

Today I received an alert from XXXX  that this account is being reported as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. This was not what I was told on the phone, nor did I agree to this. I was under the impression that I was paying off the account, and was specifically told by the associate at Portfolio Recovery that " once the credit bureau updated '' it would be removed. 

I tried contacting them again to inquire about this, and spoke with XXXX XXXX, Operations Manager, who again lied to me and said that I was originally informed they would be reporting it as a settlement. I know for a fact that I was not told this information because I would have paid whatever the full amount they claimed I owed rather than have the account report as " repayed only part of the original debt ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692a ), and the Truth in Lending Act ( 15 U.S. Code 1635 ), I am requesting a thorough investigation into the validity of this charge-off.

Pursuant to 1681, any information reported must be accurate, verifiable, and fair. If the furnisher can not provide proper validation of this charge-off, it must be removed immediately. Additionally, under 1692a, any collection activities related to this account must comply with legal definitions and practices, and I demand proof that these were adhered to. Under 1635, I assert my right to dispute and rescind certain credit transactions if applicable.

I request a written response regarding the findings of this investigation and expect a resolution within the legally mandated timeframe. If this charge-off can not be fully validated in compliance with the law, I demand its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score dropped XXXX points and shows 3 accounts as removed or closed that should be currently still open and that Im paying on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX : {$0.00} XXXX/DOFED XXXX : {$0.00} U SDEPT OF XXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX : {$3600.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$3500.00} DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and my information may have been stolen according to there website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX  - Account # XXXX XXXX  I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking XXXX XXXX XXXX  To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Product: Credit card or prepaid card

I have a personal credit card with GM Marcus by Goldman Sachs, therefore they have all of my information on file. I have had no issues. Application process went smooth, no problems. 

I have applied for the GM Business Card by Goldman Sachs a minimum of ten ( 10 ) times. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 The scenario is this ; 1. Fill out a pre-qualification. 
2. I am approved.

3. Accept or do not accept. I accept.

4. They respond that they need identification verification. Please upload government ID. I comply.

5. 1-3 days later, I expect my credit card information but instead I receive this : *Unable to verify identification information. 
I have called customer service, and each time they CAN NOT HELP. They can not help my situation, tell me what to do differently nor send me to someone who can. Ive tried to make sure all information on my application, is exactly the same as on my ID, and on my credit reports.
Product: Mortgage

On the XXXX, the " items you can not shop for '' are outrageous. A credit report fee of {$250.00}. That is obviously marked up. I was my understanding that the required items for closing were a pass thru fee, the exact cost to the borrower. From this lender, they are apparently marking up the required fees. I have the XXXX. This is my son in law. I am supplying a gift letter for closing funds. I would definitely shop for these items as they are way out of line for what the market normal is.
Product: Debt collection

I had paid off this credit card and they claimed I paid late hence a late charge which I ignored and they kept adding more late charges. I think I did contact them and told them this was wrong.
Product: Credit card or prepaid card

CAPITAL ONE BANK has closed both of my credit card accounts without my consent. They did not notify me that they were closing my account and did receive my permission to do so. I had recently disputed my credit card account ending in XXXX, which stated that they never disclosed to me that I had a right to opt-out of having my nonpublic information shared to nonaffiliated third parties. In this case, I was disputing the fact that they furnished my account on my consumer report without giving me the option to opt-out of having this take place. They responded via mail stating that my account was reporting accurately on my consumer report as an open account. Several days later they proceeded to close the account. Not only did they close that account but they also my other credit card account ending in XXXX, which had never been disputed nor brought into the equation of the disputing of the account ending in XXXX. According to the representative over the phone, my account ending in XXXX was closed due to a violation for disputing ( which I have a right to dispute and my dispute was not inaccurate ) and my other account ending in XXXX was closed because it was in relation to my other account. They also said it had been closed due to return payments, which is false and deceptive because I have not had any return payments nor late payments on my account. This company has taken advantage of me and violated my rights as a consumer, a natural person. I am the original creditor and the only way they could reextend my credit back to me is for me to originate the credit to begin with by them using my credit card ( social security card ) to open and pay for the account in full. Moreover, neither of my accounts shall contain a monthly balance for this matter because each account contains a finance charge, which is the sum of ALL charges. Once they required my credit card ( social security card ) to open this account, the account was paid in full and shall not contain a monthly balance. The monthly balance shall be wiped cleared because I have unlimited credit and this company has been paid in full. They did not have a right to close my account without my consent pursuant to federal law ; Truth In Lending Act. Moreover, they did not notify me before doing so. Their claim is that it's within their policy, however their policy does not overrule the Truth In Lending Act, which was set in place to prevent fraudulent activities such as this to occur. Furthermore, I paid my credit card ending in XXXX with cash for the duration of this account being open, which is illegal because they should not be taking cash from me when this account is opened under an open end consumer credit plan and contains a finance charge, which shall only be paid with credit. I have been completely taken advantage of and I want all my cash back including the reopening of my accounts.
Product: Student loan

To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be deleted. 
So, please delete these accounts due to the inaccuracies that are being reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all inconsistent over XXXX, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 
Thanks in advance The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

I requested an email because i was looking for written consent from this company. I never consented to conduct business with this company. Which is a void in agreement. Also it is my right to XXXX XXXX XXXX discharge by cancellation or renunciation. A person entitled to enforce an instrument, with or without consideration may discharge the obligation of a party to pay the instrument. Also 15 usc 1666b no such thing as a late payment 15 usc 1692j deceptive forms. I would appriciate if this can be cleared because they have clearly violated my rights and are in default by us codes. 
.. Thank you
Product: Credit reporting or other personal consumer reports

to whom this may concern but XXXX XXXX is prohibiting me from. full utilization of my credit leverage, also false late payments stated have decreased my credit score, the XXXX  XXXX XXXX  vehicle loan is incorrect. currently stats the loan is for the personal owner is " XXXX XXXX ". upon purchasing the vehicle loan we stated this would be for a commercial vehicle " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please fix this issue asap thank you
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX These account have 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 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
Product: Mortgage

Hello my name is XXXX XXXX we have a loan with caliber home loans we receive a letter about our r home that we were advised that we were 10 months behind we made every payment we have proof of all payments me and every payment was made we are now losing our home it 's been very embarrassing people coming over asking to buy her home I had to quit my job my housben works in New York and ihave stayed home to figure out what exactly is going on because I could not focus on my job please help us figure out what we need to be done we have payments every bank statements of every payment that 's been done my number is XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

At XXXX XXXX, number called me, I did not answer. Then immediately after, the same number called my family member on a cell phone. 
This debt is from over 10 years ago with my ex husband. Company continues to contact me for payment of a couple XXXX dollars that was written off.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX, TX XXXX XXXX XXXXXX/XX/XXXXXXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$240.00}XX/XX/XXXX