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 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect numerous consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of acountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a phone call from CPC ( Cental Portfolio Control ) in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. Today XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
Product: Mortgage

Dear Sir or Madam, Since the declaration of a global pandemic in early XX/XX/2020 followed by stay-at-home orders it quickly became clear that it was going to be quite some time before customers were going to hire interior home improvement contractors such as ourselves, anyone unless imperative. Immediately we contacted our mortgage servicer Fay Servicing LLC XXXX, IL. to request requirements of a partial release on our property to be able to downsize which would have enabled us to avoid the past due situation we are in with our mortgage. Multiple calls were made to a point of contact we were given as we left specific detailed requests for above mentioned information. Two different points of contact have not responded. On XXXX XXXX yet another inquiry was made where were told that Fay Servicing services loans for the owner of the loan, not the mortgagee. With being an obvious candidate for loan assistance at no time whatsoever were we solicited, offered, or contacted regarding loan assistance. We had to call and demand helpful information that may never come. There is a multitude of problems with our loan servicing such as undocumented charges, a gross miscalculation in the most recent 1098 tax form in excess of {$10000.00}, and overbearing late fees. Through many calls trying to resolve problems we are met with resistance while there are only attempts to expedite payment from Fay Servicing. It would seem that Fay Servicing would rather people lose their home than help keep it. We are asking for intervention from CFPB as we believe Fay Servicing to be very worthy of aggressive auditing and oversight during this pandemic. A copy of this complaint will be sent to the Commerce Secretary of Maryland where they will be asked to provide oversight in the matter. We are not opposed to escalating our complaint if deemed necessary. Please consider this correspondence as authorization for CFPB and the Commerce Secretary of Maryland to access our loan. Thank you for your consideration. 
XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I received a notice that I needed to pay extra money {$570.00} to cover the escrow shortage. I called XXXX and spoke with customer service and paid the shortage. Confirmation XXXX. Fifth Third Bank online payment service does not have an option to support this transaction, the only choice is " Other ''. They should have an option to apply the payment to escrow shortage. I was informed that " they '' would see the " other '' payment made and apply it to the escrow shortage AND my payment would stay the same. I paid {$570.00} for the escrow shortage. 
Today, XXXX, I have received a XXXX statement for {$620.00}, the new mortgage amount and I was not given credit for the payment towards the escrow shortage. 
When calling Fifth Third Bank, at XXXX, they do not disclose that their office is closed on the weekends. I called, and was told to enter my " pin '', which i do not have since this is a mortgage. After being on hold over XXXX mins, I was then informed the mortgage office is closed on the weekends. 
The statement fails to disclose their business hours. 
They failed to apply my payment towards escrow. 
They misrepresented what would occur and are now over-charging me on my monthly payments. 
This is unfair, dishonest and unethical. I feel that they are not correctly honoring my payments and they are unfairly overcharging me. In addition, their statement on how to reach us is unethical in that they do not represent their working hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit with XXXX. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a single Mother with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Product: Credit reporting

I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX
Product: Checking or savings account

I was using my cashapp perfectly fine and it got close automatically for no reason.
Product: Credit card or prepaid card

cashier entered {$970.00} as total for money orders and {$110.00} " buy money order '' as transaction ( that no other teller had recognized ). Cashier gave me money order for {$660.00}, {$410.00}, and ( in old bills ) gave me {$110.00} ) So I though everything was fine until I looked at receipt. It did not add up. Receipt showed {$970.00} total. I did not see the charges for money orders XXXX each nor the correct total which should have been XXXX for two moneys orders XXXX and {$410.00}. Moneys were made out correctly. I went back to see teller and lo and behold she was gone. The next teller offered to help but was confused by the entry " Buy {$110.00} money orders '' as she and she asked teller next to her had she heard of this transaction and she said " no ''. I later met with XXXX. who stated she was manageer at the XXXX XXXX XXXX. She explained that the teller was new. I was not satisfied the way we had " settled '' this " error ''. She refused to give me a letter stating that teller made an error. ( more on that as I am running out of time ) Any way, I felt this action was done on purpose and do not feel confident. I asked for XXXX XXXX XXXX 's boss and she said he was out. She went back to office stating her " other '' boss said I could get a brief statement, no letter head, one line sentence. There is much to feel in, but now with this card issue I am very concerned. I have had incidences of loss credit cards and I always reported them right away. Twice I found two ( one not Wells ) but they had already set up for new ones. I also think it odd now that the card I have now is similiar to the card I held for several years ( the number ) I experienced several ( declined ) transaction while in the storesbut when I call wells they knew nothing of them.
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 XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report.It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
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.

XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX accounts XXXX XXXX  has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX 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 r

eporting 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 re
asonable cause to believe that the information is inaccurate.
Product: Debt collection

Ive been charged by XXXX  XXXX when I have never opened a XXXX account. The dates say between XX/XX/2019 til XX/XX/2019. I dont have a XXXX  account nor have I ever
Product: Checking or savings account

Wells Fargo is refusing to investigate a fraud complaint I filed against several bars for over {$500.00} in charges for one night, as well as {$140.00} in unauthorized activity two days later. They are refusing to process my complaint, refund my account and are repeatedly making me speak with females discriminating against me because I am a male. They transferred me to over 10 females and I was told all managers were also female as well on XX/XX/2019. 

I am also being discriminated against because of XXXX ancestry and an expressed desire to visit a XXXX companys luxury hotel. 


Claims department sent detailed letter call them XXXX - XXXX XXXX   XXXX XXXX, call tomorrow XXXX XXXX, XXXX, xfer to Dual claims XXXX  XXXX XXXX XXXX, combined 2 claims into 1 claim. Claim # XXXX {$490.00} closed new claim # XXXX {$460.00} > 24 total amount {$530.00} x-fe r to supervisor XXXX ( supervisor ) XXXX, XXXX processed with several transactions 1-10 business days takes time to add transactions and dispute Claim # XXXX, 20 transactions {$460.00} ; provisional credit 24 - 48 hours XXXX XXXX, XXXX, XXXX, 24 transactions, total : {$530.00} XXXX XXXX XXXX XXXX, partially completed refund {$20.00} atm readded to claim XXXX, XXXX , XXXX, Dual fraud claim, transfer to XXXX, denied transactions , will go through transactions 2-10 business days XXXX, XXXX, XXXX, will remove {$1200.00}, {$450.00}, {$200.00} from new claim with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Product: Mortgage

Late processing of mortgage payments mailed in and charging late payments. I have just sent a letter of complaint to PHH Mortgage, but have had this same problem occur in years past which got so bad I had to start sending in payments certified mail. While the company may resolve this, I feel there are many others that go ahead and pay the late payments as I have in the past. This company should be watched for regular use of this late processing. This is the first time this has happened in over a year, however it did happen a number of times in the past on two loans of mine they were servicing. 

Email to PHH Mortgage below. 

I mailed a payment to you on the above account on or about XX/XX/XXXX and you did not enter it until XX/XX/XXXX. When I returned from vacation after XXXX, I found a late payment notice in my mail on XX/XX/XXXX. I immediately called up your call center on XX/XX/XXXX and made a payment by phone. As your agent could not mail me a confirmation, I went online and made another payment. You charged me a late fee for both payments. Then to my surprise, on my bank statement the original payment I made on about XX/XX/XXXX appeared on my statement on XX/XX/XXXX. 

My credit score ranges between XXXX and XXXX as I have not had a late payment in over 20 years on my credit report. YOUR COMPANY PHH MORTGAGE is the only one that for some reason can not enter payments when they are received. Im sure you want to blame it on the post office, however, I have five mortgages and your company is the only one to enter payment late apparently in an effort to gain extra income from late payment fees. 

Previously I had another mortgage with your company which fortunately you sold to XXXX XXXX. ( That company has never failed to enter a mailed payment in the four years or so they have had the loan ) On a number of occasions it took PHH MORTGATE well past the late fee period to enter my payments. It was so bad I started sending in payments certified mail and will now have to in the future once again. Perhaps you can explain why my three credit cards and four other mortgages as well as many other bills I have do not have trouble receiving payments I mail. 

Besides failing to enter my payments on time, you charge a significant fee for anyone to make a payment online or by phone, further padding your profits if this is done on a regular basis to other customers.
Product: Debt collection

I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX XXXX, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX representative ( XXXX XXXX, on XX/XX/XXXX ) stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, Access Group. 

Sincerely,
Product: Debt collection

XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX