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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Consumer Loan

I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. 
" XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.
Product: Credit card

I received a text from Comenity Bank RE : XXXX XXXX credit card company to call them to make a payment. I called to see why they were calling and I thought it was probably a late payment, but I had not received a statement. To my surprise, they told me I owed XXXX plus dollars in late fees and interest. The person that I spoke too said that it showed my statements had been returned and my email statements had not gone through, so I had no idea that I was accruing interest. She also confirmed that my address was up to date, so thought maybe my statements were getting lost in the mail. She would not take off the interest payments but did take off {$25.00} for the last late payment. I asked for a number that I could call to talk to them about interest and she kept saying to check the back of the statement. I told her, that obviously I couldn't do that, if I wasn't getting the statements. I asked for a supervisor and she would not allow me to talk to anyone else, however, she did give me the number on the back of the statement. I paid the interest and closed the card because I didn't want the bill to continue to increase. It was a horrible experience and shocking to say the least. I have had a credit card with the company for several years. I am a teacher and a {$900.00} bill on nothing is very difficult to swallow. I would really appreciate my money credited back.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX from transunion credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence 1.XXXX  XXXX  XXXX XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX XX/XX/XXXX 3.XXXX  XXXX  bank XX/XX/XXXX also again XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XXXX Bank XX/XX/XXXX 7.XXXX XXXX These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation 15 USC 1681b
Product: Checking or savings account

Possible mishandling of funds possibly resulting in inappropriate issuing of fees.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have disputed a collections on my account by XXXX XXXX XXXX. I was affected my XXXX XXXX and military during this time frame. While other credit bureaus have honored my request to remove this item. Experian has not l. It has cause me to remain homeless with a full time job as a veteran. I dont know even believe Experian is seriously looking into my concerns.
Product: Student loan

Hello. 
In XXXX I started at XXXX XXXX. I was in the military, and had to apply for multiple student loans. I paid them as much as possible, and it was over & beyond the GI Bill. I got out of the military, and graduated with an XXXX in XXXX. 
I had a hard time getting a job due to the degree. Employers didn't view my degree as a legit degree. XXXX never told me I would have such an issue. 
I eventually moved out of state due to cost of living, and had to start putting my loans on forbearance & deferment. I had taken out Federal & private loans. XXXX encouraged that. 
In XXXX XXXX went under due to fraud. I was told to apply for Borrower Defense. I did. 
I waited, and waited, and waited. I'm still waiting 6 years later. 
Every time I call, they say it's processing. In the meantime it's on my credit- and it's affecting my debt to income. 
I've complained, but I'm never heard. 
Typical time for Borrower Defense is 36 months. I know people who have applied and it was resolved in 6 -12 months time. 
Now the government has announced that anyone who went to XXXX will have their loans 100 % forgiven. There are lawsuits going on involving Borrower Defense & XXXX. 
But there's no communication with me about it. The government has said that loans will be 100 % taken care of, and even repayment for monies spent. But letters went out back in XXXX, I never got one. 
I don't know if there is anything you can do, but, I need help. 
I am hoping you're able to. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding Inaccurate and Incomplete Credit Reporting for Account # [ XXXX ] listed as XXXX XXXX XXXX XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have the right to dispute inaccurate, incomplete, or untimely information and to expect maximum accuracy in the reporting of my credit information. Upon reviewing my credit file, I have identified the following issues that need immediate investigation and resolution : Issues Identified XXXX. Failure to Report to [ XXXX/Equifax ] XXXX This account is being reported only to XXXX and is not present on my [ XXXX/Equifax ] report. This selective or inconsistent reporting leads to an incomplete representation of my credit history, potentially impacting my creditworthiness unfairly. FCRA Violation : FCRA XXXX ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer reports. Omitting this account from [ XXXXEquifax ] may result in an incomplete and inaccurate portrayal of my credit file. XXXX. Delayed or Untimely Reporting : The account shows a Last Reported date of XX/XX/year>, which is nearly a month after the Date of Last Payment ( XX/XX/year> ). This raises concerns about whether the account information is being updated promptly and accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 2 ) requires furnishers to provide accurate and timely updates to all credit bureaus. 3. Incomplete Account Comments or Notes : The Comments section is blank, with no notation of whether this account was previously disputed or resolved. If there were any prior disputes, the lack of notation violates FCRA requirements to reflect disputes accurately. FCRA Violation : FCRA 1681s-2 ( a ) ( 3 ) requires that disputes and resolutions be reported to the credit bureaus clearly and promptly. 4. Impact of Selective Reporting : This account is only reported to XXXX, and its absence from [ XXXXEquifax ] could cause creditors to view an incomplete credit profile. This unfairly penalizes me and diminishes the integrity of my credit report.
Product: Credit reporting

I received a letter from Experian stating that " we are required to notify you that within the last 30 days changes to your name, address, or Social Security Number have been reported to us by a creditor. '' I have not changed any of these items about myself. I contacted Experian to find out who the creditor is that did this. They will not tell me or provide any details. They asked me to order a copy of my credit report to check that all is correct. I did that and everything is ok. But I still want to know what creditor is trying to change my personal information and I believe Experian is required to provide this information to me.
Product: Mortgage

XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment Inquiries on Credit Report for Account : XXXX XXXXXXXX Dear Credit Reporting agencies, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with my account : XXXX XXXXXXXX. These inaccuracies do not accurately reflect my credit history and have unjustly impacted my credit score. I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries for this account that are erroneously reported. These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ). 

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the above-referenced account from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX Enclosures : [ Copy of credit report highlighting the disputed inquiries, if applicable ] Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Credit card or prepaid card

I opened a secured credit card with Citibank in, I believe XX/XX/XXXX. It was easy, it took only a few minutes to transfer the money to the company. The agreement was that after 18 months, the money would be refunded to me without interest. In XX/XX/XXXX, after having numerous problems with being able to download statements, make payments online, I inquired about cancelling the card. The customer service was terrible - I was always being given differing information. Around XX/XX/XXXX I received a letter stating that because I dad a late payment on my account, they would not refund my money for another 18months minimum. When I asked to again cancel the account, I was told that I would be charged a fee. I called in to discuss the two late payments one 2 days and one 5 ; as with all off y other account I believed that a late account was reported at 30 says and I explained that I had asked questions online about the statements not being able to be viewed in their entirely, the inline count, not accepting payments and for a refund of late fees. I have never had such a negative response with my other unsecured accounts. If on occasion, I am a day or two late, the fees are reversed. In around XX/XX/XXXX, I filed a claim with the BBB regarding this company 's practices. I was called by someone from he company, higher up and was told that they could refund my deposit without a fee.
I closed my account XX/XX/XXXXof this year and was told that it would take 21 days one time and then 30 days the next to refund my deposit. I was also told that I was being charged late fees because a payment on the account was not made and interest fees will continue to progress.
I once again tried to go online and was unable to view or manage my account. I have been receiving collection calls daily and after the first call took 45 minutes, I have refused to speak with them again.
If they are doing this to me, they are doing it to other people.
1 - They are holding deposit accounts for credit cards gaining interest on the deposits and on the excessive fees and interest they charge on these accounts.
2 - They are customer service oriented, I have never been treated well on any call. In fact, on the last call, I asked the manager to give me the start date of my account with them and she refused - she said it was against policy to give me that information!
3 - Their online presence/technical issues are so bad it prevents someone from making payments or getting responses answered via technology - if you have a problem/complaint they will return your call but if you miss it you go into a rotation system. There is no way to return that persons call.
4 - I should be able to close my account and immediately have that deposit applied to my account : they are continuing to charge me high interest rates which is making my account increase over the balance amount. This is really stealing, quadruple dipping and again, there are many other people who have a need to re-buld their credit without as many resources as I do : there should be. class action suit.
Product: Mortgage

Wells Fargo purchased our existing mortgage prior to our decision to refinance. We owed approximately XXXX. We refinanced with another company, XXXX XXXX XXXX, and we closed on XX/XX/2020. On, XX/XX/2020, I received an email from Wells Fargo indicating that we needed to pay our XXXX mortgage and they had assessed a late fee. We spoke with customer service on XX/XX/2020 and they indicated that they had no record of our payoff and we needed to pay our XXXX payment. We then called XXXX XXXX XXXX  and they informed us that they had paid off our mortgage and they supplied us with a copy of the check. They indicated that Wells Fargo had it since XX/XX/XXXX and just had not cashed it. We called Wells Fargo right back and the 2nd customer service representative said that they did have the payout, but that it was short by {$230.00}. Wells Fargo informed the XXXX XXXX XXXX  title company at closing on XX/XX/XXXX that the payout was {$150000.00}. Wells Fargo failed to include the escrow amount in the payout amount when they spoke with the title company. This left our account with a deficit which began to " conveniently '' incur fees without our knowledge. If I had not been proactive and checked on this, Wells Fargo would have continued to charge fees for an account that should have been closed. The account continued to accrue interest for the benefit of Wells Fargo. The XXXX XXXX XXXX  company had their title company wire them the additional money on XX/XX/XXXX and presumably close out the account. Our main concern here is that with Wells Fargo 's questionable behavior in the past, that they are up to this same type of behavior : shorting people 's mortgage accounts and not providing the title company with the correct amount for payout in order for them to leave the account open and collect interest and fees on accounts that should have been closed. We will check on Monday that everything has been paid and that our account has been closed, but we hope that someone will look into Wells Fargo 's new practices.
Product: Mortgage

I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.
Product: Student loan

Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity theft Please block and remove this account in accordance with section 605 B of the FCRA.

the account is : XXXX XXXX XXXX  {$47000.00} XX/XX/year> I have filed a Police report and a FTC report. The names on the fraudulent account is wrong as well as the address.
Product: Credit card

XX/XX/year> purchased a medical device for a patient on XXXX. Returned it one week later insured for a refund from Seller XXXX XXXX who did not issue refund. He also filed claim to get insurance off USPS that I paid for. Total charges {$900.00} including late tees unilaterally charged by Chase on disputed amount now have gone up to {$920.00}. XXXX XXXX sent secure XXXX message that he received product back and it works fine. He then lied to XXXX saying it was returned broken. XXXX and Chase reviewed the case without due diligence and possibly with malicious predatory intent to block my due refund. So there is still an open dispute for the remaining balance which reflects the {$820.00} i was scammed out of by XXXX and XXXX XXXX in XXXX XXXX XXXX XXXX, of whom I have filed federal complaint against as well as the {$62.00} return shipping plus usps insurance that XXXX XXXX also filed a claim upon ergo his commission of mail fraud. US Postal Inspectors complaints filed twice. Chase bank rebilled the disputed amount one month after the chargeback since XXXX  was involved and ignored my multiple complaint submissions through their channels now charging exorbitant late fees and predatory interest on the disputed amount in violation of Dodd Frank. XXXX has also ignored requests for investigations and has a sordid history of fraud and criminal activity I have since discovered researching fellow scam victims. Chase is still charging $ XXXX  monthly late fees and not advising on mail insurance fraud resolution
Product: Credit reporting or other personal consumer reports

EXPERIAN recently verified an account that I disputed as inaccurate with proof. I am now requesting the method of verification because I believe this account was not actually verified and a sham investigation was done. This account is still reporting inaccurate after the verification.