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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX XXXX.
Product: Mortgage

I am having difficulty receiving my escrow analysis refund check. The first check was issued on XXXX. It was made out to the estate of my dead wife. I called Customer service, said no problem and issued another check in my name. I never received that check. it was issued on XXXX. Since then 2 other checks were sent out to me both still in the name of the estate of my dead wife. 

Customer service seems to be feckless regarding this matter. They do not have any direct access to contact their escrow department. No one is willing to take ownership and they refuse to escalate this matter beyond the level of a floor supervisor.
Product: Debt collection

repeated phone calls from XXXX, XXXX, XXXX XXXX? calling regards to a debt that was paid in XX/XX/2017. I verified that the debt is indeed gone. They know my full social security number. When I questioned them stated will file a federal warrant for my arrest and that I have to go to court in XXXX County where I live ... ....
Product: Credit reporting or other personal consumer reports

I notice a rental history from XXXX at XXXX on a credit report from Rent Bureau. I disputed the mark at XXXX  when I first notice the account XXXX of XXXX. The collections account was removed from all 3 credit bureaus. However Experian Rent Bureau is still reporting this inaccuracy. I have no knowledge of this account. I dont have a contract with XXXX at XXXX XXXX I never gave written consent to report to XXXX at XXXX or Experian Rent Buerea. When ask to do a full investigation Experian rent Bureau stated the company does not have to provide proof of ownership. They only have to say verified or unverified. Also I have reached out to XXXX at XXXX for full rental ledger, original contract. Contract where sold to 3 party. IDs and any docs on this account as I have no knowledge of this account. They have yet to respond. I also have already file identity theft 2x on this account.
Product: Checking or savings account

On XX/XX/2023 I filed debit card disputes with cash app due to purchases not being made by me. On XX/XX/2023 cash app denied my claims and stated that my disputes were false because I have interacted and purchased items from XXXX before. I used the chat function for cash app and stated that yes I use XXXX because I am an XXXX phone user. So naturally I would have charges from XXXX. But my XXXX ID was compromised. Also theres no way Cash App could have investigated all of the transactions that I am disputing in less than XXXX and when I asked for documentation of what they used to come to the decision of denying the charge they simple sent me a receipt of the purchase and said that the decision was final. This is not adequate as consumers are really being taken advantage of and companies like this are just sweeping widespread fraud under the rug and then to add insult to injury they state to the customer that they are committing fraud by simply exercising their right to dispute fraudulent transactions. I have also noticed that on a lot of consumer websites that Cash App is engaging in this behavior with dispute handling a lot. Customers who are victims of wide spread fraud are actually being victimized by this company and its dispute investigating process and deny claims and it has to stop. 
Transactions : XXXX Bill for {$28.00} XXXX XXXX for {$18.00} XXXX Bill for {$49.00} XXXX XXXX XXXX XXXX XXXX for {$100.00} XXXX XXXX XXXXXXXX XXXX for {$90.00} XXXX Bill for {$44.00} XXXX Bill for {$37.00} XXXX Bill for {$55.00} XXXX Bill for {$54.00} XXXX XXXX for {$89.00}
Product: Credit reporting or other personal consumer reports

MY NAME IS ( XXXX XXXX ) I DO NOT HAVE A MIDDLE NAM ADDRESS IS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX PHONE NUMBER IS XXXX EMAIL ADDRESS IS XXXX I DO NOT WORK AT ( XXXX XXXX XXXX ) THIS IS THE ONLY PERSONAL INFORMATION THAT SHOULD BE ON MY CREDIT REPORT.. ANYTHING ELSE NEEDS TO BE REMOVED IMMEDIATELY BECAUSE IT VIOLATES MY CONSUMER RIGHTS
Product: Mortgage

Received notice of annual escrow review for my mortgage from Wells Fargo projected shortage of {$330.00} with option of paying up front or increasing mortgage payment. 
However, whether pay up front or adding to monthly payment, the increase is actually {$710.00} over 12 months. 
It appears that Wells Fargo is charging additional funds that are not projected in the shortage. 
This is money that I should have access to and not pad Wells Fargos accounts. 
This is misleading at best and I assume not acceptable practice. 
I called on XX/XX/22 and was told that the additional ( more than double the projected shortage ) is in case more is needed next year. Again, this escrow projection shortage should cover this year and instead of having Wells Fargo keep additional funds for next year that would be reconciled in the next cycle, those funds should not be collected in advance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : FEDERAL ADJUSTMENT BUREAU INC # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Debt collection

RE : CFPB XXXX XXXX : XXXX. 
Account name : XXXX XXXX, XXXX. 
Loan Number : XXXX QUESTION # 1 : Was the loan secured by real property? 
QUESTION # 2 : Who was the named insured on the title insurance policy at the time XXXX XXXX, XXXX. were the Servicer? Name of the Lender and the Trustee? 
QUESTION # 3 : Did you send the Notice of Servicing Transfer letter via FIRST CLASS MAIL? 
QUESTION # 4 : Was XXXX XXXX, XXXX. a debt collector or debt collection agency at the time it represented itself as a Servicer? 

Kindly provide an explanation as to why XXXX XXXX, XXXX. reported the account delinquent and state whether it was a principal party of the consumer credit transaction of a line of credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 






4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted XXXX XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXXXXXX REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY PROFILEXXXX, XX/XX/24, XX/XX/24. I HAVE NEVER BEEN LATE. 
I CONTACTED XXXX XXXXXXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. XXXX XXXX AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF XXXX XXXXXXXX FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Experian has inaccurately reported a fraudulent collection account from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) on my credit report. I have never opened or authorized this account, and it was added without my knowledge. 

I have already submitted an FTC Identity Theft Report, which legally requires Experian to block and remove this account within 4 business days under FCRA 605B ( 15 U.S.C. 1681c-2 ). Despite my formal dispute, Experian has failed to remove this account, violating my consumer rights.

Additionally, under FCRA 1681i, Experian is required to conduct a proper investigation. Given the CFPBs lawsuit against Experian ( XX/XX/2025 ) for failing to investigate disputes properly, I demand that Experian take immediate corrective action. 

Requested Resolution : Immediately remove the fraudulent XXXX XXXX XXXX account from my credit report Provide written confirmation of its deletion within the legally required time frame Ensure Experian is compliant with FCRA 605B and 1681i Failure to resolve this matter will result in further escalation with CFPB, FTC, and legal authorities.
Product: Checking or savings account

Chime has frozen my account due to a return of {$2200.00} from XXXX  .. they claimed there were no transactions in relation to the returns yet the original payments all came off this account and were returned in the same increments. 
Original payments - XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$1200.00} Upon return of these transactions ( in the same order that they were taken out ) my account was frozen! I have to prove, without access to my account, that these charges are valid even though they VALIDLY sit right in my account transactions history! This is NOT OK. I am without a dime and my XXXX young children will be missing out on their holiday due to the incompetence of Chime/XXXX  review of transactions on accounts. I have sent every email that is necessary, had a supervisor verify the original charges, yet am still sitting here having to wait for a 2 to 3 day process of review. I should not have to go through a legal process of review when the initiation of said process was never legally valid to begin with.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYMENT INFO DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX