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

I was called about a XXXX money that I wanted to transfer esto my account. The number I called for XXXX was in XXXX so I dial it, they said that for me to get that money back I had to open a wireless transaction to them and see if they receive so they can send me money. So I went to XXXX on my bank they gave me the instruction and I did it, they always said transaction did not go through so they ask me to keep on trying. I did until I notice something was not right and called the bank.
Product: Debt collection

Complaint against NewRez dba Shellpoint as successor to Specialized Loan Services, LLC ( " SLS '' ), Qualified Written Request under RESPA ; Debt Validation request under FDCPA and demand for disclosures under TILA to verify ownership of alleged " mortgage debt '' and provide me with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation who on XX/XX/XXXX hired Specialized Loan Servicing, LLC to collect from me ; who authorized transfer of servicing and from whom this servicing was transferred. [ who was the prior servicer ] On XX/XX/XXXX I received AI-generated runaround telling me that Specialized Loan Servicing ( SLS ), was my prior mortgage servicer to whom SOMEONE - unknown to me- allegedly transferred " servicing '' to collect from me money for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

The letter " from Shellpoint/NewRez [ faux companies owned by XXXX XXXX XXXX  via its hedge fund XXXX XXXX ] failed to disclose who hired Specialized Loan Services , LLC and who authorized SLS to collect from me. 

Pursuant to 15 USC 1641 ( f ) ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. On XX/XX/XXXX SLS sent me XXXX unsigned letter ( attached ) informing me that " the servicing for your loan was transferred '' and SLS will start to collect my payments starting XX/XX/XXXX. This is my QWR, DVR and demand under TILA disclosure to provide me with the name, address, and telephone number of the owner of the obligation who paid money for the debt as required under UCC Art 9-203 ; or the master servicer of the obligation who authorized SLS to collect my payments and who was entitled to receive my money, with a wet-ink signed authorization from the owner of the obligation to verify that SLS was authorized to collect my payments I demand a respond from the real human authorized employee of NewRez who has personal knowledge about this transfer and whom I can contact directly in person. No runarouds from artificial intelligence.
Product: Credit card

My name is XXXX XXXX, Citi bank closed all my CITI credit without a notification, just before CITI close my CITI XXXX credit card on late XXXX, Citi charges {$95.00} annual fee for my CITI XXXX card for the XX/XX/XXXX to XX/XX/XXXX. And Citi bank has policy to refund all annual fee if the card is closed within one month after the annual fee is being charged. I have called CITI customer service several times and get confirmed by different agent about this annual fee refund policy and get this recorded. Citi charged the annual fee of {$95.00} from my linked XXXX bank account for automatic payment on XX/XX/XXXX, but refuse to refund the annual fee, even I am no longer your customer anymore. This is illegal and fraudulent to charge the upcoming annual fee from XXXX for my CITI premier card but I am no longer your customer anymore after XXXX this year. There is no reason I should pay the annual fee for CITI credit card when I don't have account with you. Please refund the {$95.00} annual fee charged for my Citi premier card on XX/XX/XXXX immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a complete pack of information to Equifax. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the information contained within my credit profile, which I believe violates my rights under the Fair Credit Reporting Act.

It has come to my attention that certain details within my credit report are inaccurate and have been reported in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. Specifically, I am dismayed by the inclusion of the following information, which fails to adhere to the necessary standards of accuracy and notification as mandated by federal law. You must understand that you can and will be civilly liable for violating my rights as a consumer of the United States Corporation.

Under the provisions of the Fair Credit Reporting Act, it is abundantly clear that the handling of certain aspects of my credit account has not met the required standards. Specifically, according to 15 U.S. Code 1666 ( a ), creditors are obliged to inform consumers at least 21 days prior to considering a payment late. It is evident that such notification was not provided in my case. 
Furthermore, it is imperative to recognize that the definition of a " credit card '' extends beyond traditional cards and encompasses various forms of credit instruments, including those essential to personal identification such as Social Security Cards and Driver 's licenses. You have failed to realize these mistakes on your behalf and IGNORED MY INITIAL STATEMENT, UNDERSTAND THAT YOU should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. I BELIEVE THAT YOU MUST LOVE WHEN PEOPLE SPEND THEIR PRECIOUS TIME LEARNING ABOUT THE NUMEROUS WAYS THEY ARE BEING VIOLATED BY A FINANCIAL INSTITUTION LIKE YOURSELF. You are also in violation of Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.. You are required by law to exclude transactions [ any form of payments that are late ] from my credit report. This law is under the exclusion section and means that no transaction or information solely based on experiences between the consumer [ myself ] and the person making the report [ you, the COLLECTOR/CREDIT REPORTING AGENCY ] should be on my credit report. I must emphasize that this letter is not issued on behalf of any third-party entity but represents my personal grievance against your organization 's practices. The knowledge I possess regarding these matters has been acquired through painstaking research necessitated by the shortcomings of your operations.BE AWARE that you are civilly liable and this letter is not from a third-party source. This knowledge that I have acquired has been obtained through the long, suffering hours that you have caused AND WILL BECOME YOUR DEMISE IF YOU DO NOT COMPLY.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint regarding multiple occasions where I accidentally sent large sums of money via Zelle to the wrong recipients. These transactions, ranging from {$3000.00} to {$5000.00}, occurred 45 times due to confusion between phone numbers and email addresses when entering recipient details.

When I contacted my bank immediately after realizing the mistakes, I was informed that there was nothing they could do to reverse or recover the funds, as the money had already been sent. This lack of support and resolution caused significant financial strain and left me feeling unprotected as a customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain my social security number. As of today it's been over XXXX days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), These accounts have not been validated, updated, or deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scam. 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

My credit is to low due to some unpaid accounts when I have not opened any credit cards at all and I noticed this because I've been trying to apply for credit cards for first time and all have not approved me at all due to those accounts opened with my credit and personal information.
Product: Credit reporting or other personal consumer reports

i received notice through a credit card that new derogatory information had been reported on my credit report from a company, XXXX XXXX. XXXX XXXX is trying to collect a debt I contested from my previous landlord. The landlord and I went to court over the matter on XXXX in XXXX XXXX, XXXX  Document # XXXX. The landlord agreed to drop the debt, and I dismissed my complaint against the landlord. 

I subsequently received the notification about my credit report. I immediately reached out to XXXX XXXX. The representatives on the phone were adamant in their refusal to hear about nor doing anything to correct the issue, and I've had little correspondence from them since I've called.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment reported on my credit file in relation to my car loan account with Exeter Finance. I recently noticed that this account has been marked as having a late payment, which has negatively impacted my credit score. 
I would like to bring to your attention that I made an agreement with the car loan company to automatically withdraw my payment on a specific date, which was XX/XX/year>. However, despite this agreement, the company failed to process the payment as expected, and the payment was not withdrawn from my account on the agreed-upon date. I have verified this with my bank and the loan provider. As a result, the reported late payment is incorrect and should not appear on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate information corrected or removed from my credit file. I respectfully request that you investigate this matter and remove the erroneous late payment from my credit report. Please conduct a thorough review and inform me of the results of your investigation. I request that the late payment be removed from my credit report as soon as possible to reflect the accurate status of my account. 
Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit reporting or other personal consumer reports

Hard inquires that I don't recall. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am dissatisfied with Citibank 's handling of a routine transaction on my card. They blocked my card for potential FRAUD and, upon contacting them to resolve the issue, informed me that a code would be sent via mail, with a waiting period of 7-10 business days. This antiquated verification process seems overly cumbersome for a major institution like Citibank. Despite my request for alternative verification methods, such as a one-time passcode ( OTP ) sent to my registered phone number, providing my social security number, verifying my address, recalling a secret word, or detailing the last 3 transactions on my card, they declined to assist. I find myself stuck with a {$100.00} annual fee card that I can not use due to the unavailability of a code that will only arrive after 10 days, hindering my immediate card usage. I implore you to expedite the removal of the fraud alert from my account using an alternative and more efficient method.
Product: Checking or savings account

On XX/XX/2023 me and my wife, XXXX XXXX, opened a joint checkings and savings account with Chase at the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. 

After opening our accounts, we deposited a majority of our cash and checks ( our wedding gifts ) in the ATM inside the branch with the banker, XXXX XXXX, as per his instructions. The ATM had an error and temporarily displayed a deposit of {$13000.00}. It spit out the checks we had deposited in the ATM, but none of the cash. We deposited the checks with the bank teller, so we were only missing the cash at this point. 

Our banker, then opened a claim for us right away for {$13000.00}. At home, we determined that missing cash amount was {$9700.00}. 

Chase gave us a temporary credit of {$13000.00}. 
Weve now received a letter from Chase that they were unable to locate the missing funds and will be removing {$11000.00} from our account. 

Via telephone call our banker, XXXX, confirmed that only $ XXXX {$4000.00} should be removed from our account, however the Chase claims department has continued to inform me that the full {$11000.00} will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX ( XXXX XXXX  ) XXXX XXXX veterans. That went are under a medical hardship. In XXXX Chase Mortage to over my From XXXX balance of {$240000.00}. In XXXX Chase Mortrage reported a balance of ( {$230000.00} ) to the credit bureaus. Which is the last time they reported my mortgage to the credit bureaus. This actions has adversely affected me rebuilding my credit. Chase Mortgage, turned me down for a Home Equity Line of Credit. Although, I have equity in my home. 
In XX/XX/XXXX, Chase Mortgage did a home modification with me on my home at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida : XXXX. The principal amount of modification is ( {$230000.00} ) XXXX XXXX XXXX XXXX XXXX dollars and all penalties dismissed.

But, Chase Mortgage used the original purchased price and some fancy accounting, unpaid balance work. To apply extra money to a Modification which is illegal. You cant borrow money, or come out with extra money in a modification. 
Review all three ( 3 ) credit reports to see the inaccuracies.starting dated XX/XX/XXXX account : XXXX Last Hurricane season, F. E.M.A., denied me assistance because I did have enough credit. Couldnt prove I had a home loan in credit bureaus files. 
This company XXXX XXXX XXXX XXXX- Never did business with then. 
XXXX XXXX XXXX : every month is reporting to credit bureaus that I owe them money. How do I owe them money, I never did business with them?
Product: Credit card or prepaid card

On XX/XX/2020, I purchased 3 items from XXXX totaling {$2700.00}. On XX/XX/XXXX, 8 days after the initial purchase, I was notified that 2 of the 3 items were not in stock and that I could cancel my order. I then canceled the order with XXXX, but they stated that 1 of the items already shipped and that since I was outside the 24 hours cancellation period, I would have to pay a 30 % restocking fee. I notified XXXX that I did not agree with that since I was not notified until 8 days after that my full order could not be fulfilled. XXXX issued a credit for 2 of the 3 items on XX/XX/2020. This left a balance of {$1100.00} for the XXXX item that had been shipped. XXXX refused to issue the credit for {$1100.00}, so I disputed the charge with CitiBank Double Cash Card. 

In XX/XX/2020, I started the dispute process with Citi Bank. They requested information from myself which I returned to Citi on XX/XX/2020 and again on XX/XX/2020 after no hearing back. I then received a message from Citi that they sided with the merchant, even though I do not have the item in my possession. The item is still in the companies warehouse. I then reopened the case in XX/XX/2020. I received a letter from Citi in XX/XX/2020 stating that the dispute timeframe was over and that they could no longer help me. During this time, they are requiring me to pay interest and received no credit for the amount in dispute.
Product: Money transfer, virtual currency, or money service

I believe due to my cash app account getting hidden fees and getting unauthorized transactions and me disputing them caused them to close my account. When i wanted a definite answer on why my account was closed with money in it they could not provide me an answer. Although their message in the text says i can withdraw my funds thats in the account, due to it being closed i can not add any cards to it and i didnt have any cards on the account at that moment.
Product: Credit reporting or other personal consumer reports

I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that XXXX failed to send a balance transfer to my correct XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I believe that XXXX stated that the funds were sent to anotheXXXX XXXX account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with XXXX to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that XXXX needs to file a billing dispute with discover. 

As the records I sent XXXX say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, Equifax, XXXX, and XXXX refuse to correct the XXXX tradeline. 

All of these entities are causing me harm including adverse credit events.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed XXXX ; no payment was ever made to XXXX. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, XXXX continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). XXXX 's per se unlawful explanation for XXXX 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because XXXX XXXX XXXX XXXX XXXX, XXXX, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, XXXX is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : TransUnion has received numerous requests from me to permanently remove XXXX 's per se unlawful duplicate student loan report from my TransUnion credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If TransUnion does not promptly ( within 10 business days ) permanently remove XXXX 's per se unlawful XXXX duplicate student loan report report, I will have no further option but to bring both XXXX and TransUnion to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. XXXX and TransUnion have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report