23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear TransUnion Customer Service, I am writing to formally express my dissatisfaction with the issues Ive encountered while trying to manage my credit lock on your platform. Despite my efforts to resolve these problems through customer support, I have faced unresponsive and unhelpful service, and I continue to experience the following issues : Unjustified Charges for Unlocking Credit : I am being forced to pay to unlock and lock my credit, which I believe should be available without charge, especially when I have not authorized any recurring payments. 
Non-functional Website : The website does not allow me to manage my account or unlock my credit as intended. This technical issue has persisted without resolution. 
Poor Customer Support : When I contact your customer service team, I am frequently directed to agents who do not speak XXXX fluently, and my concerns are not addressed. This has caused significant delays in resolving my issues. 
These problems have negatively impacted my ability to manage my credit, and I am requesting an immediate investigation and resolution. Specifically, I request that : You review and waive any fees that were unjustly applied to my account for locking or unlocking my credit. 
You ensure that the website functions properly so that I can manage my account independently. 
You improve the quality of your customer service to provide better support. 
Please respond within XXXX business days to confirm that these issues are being addressed. 

If no satisfactory resolution is provided, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). all charge though tranunion are considerd fraud during breach they wont fix or address it like it wasnt breach there selling personal data. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX.
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 unfeasible. The CFPBs 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: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit card that is with XXXX XXXX. The only credit reporting agency reflecting this account is Experian. The other two agencies show that the account is closed and no longer should be affecting my credit score. I've reached out the XXXX XXXX and the account is so old that they no longer have any record in their computer systems. There are a number of debt collection agencies that continue to purchase the information which is annoying to say the least. This account should no longer be in my report because it's hurting my Experian Credit score. My XXXX score is XXXX and my XXXX score is XXXX. My Experian Score is XXXX. This should not be in my report any longer.
Product: Debt collection

On XX/XX/2021, Midland Credit Management served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by Midland to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages.

A couple of days after the conference, Midland asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021. 

I have not heard from the Court yet, and I would like to know if indeed Midland 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.
Product: Checking or savings account

I have been noticing large amounts of money missing and when it becomes missing there is a pattern pending transactions. The pending payment will last for about XXXX weeks and after a chunk of money come up missing. Also I have been with wells Fargo for just about XXXX years never paid any kind of fees and I have been charged a service fee from each of my accounts the checking I'm charged {$14.00} per month on XXXX different checking accounts and the savings I charged {$7.00} on each account. I feel like wells Fargo is stealing money and I. Really don't know what to do. I. Was told they can. Put it back. But in order for them to do this I need to change my account. I really want to take them to court and hold them. Responsibile for my stress torment, frustration and times of hardship due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Letter was sent to Convergent Outsourcing, asking for proof of validation on an account that allegedly claimed to be mine. No proper validation was provided compliant with the laws in place by the FCRA. 

XX/XX/XXXX. Another attempt was made to try to resolve this issue. No response was given. 

XX/XX/XXXX. Another attempt was made. No response. 

The fraudulent account remained. 

Convergent Outsourcing has violated my rights as a consumer by reporting false fraudulent information to credit reporting agencies
Product: Debt collection

Received a letter from FBCS , INC that I owe them XXXX for a dental debt. Called the dentist office was told they never use this company and my debt was paid in full in XX/XX/2018. Called the collection company spoke with XXXX   XXXX, she informed me that my dental office hired them to collect this debt. Wanted a receipt showing I paid this in full. Called back to dental office I was advised to send them nothing as my dental office did not hire them, and does not know how they got this information and the account number on this letter is not even mine.
Product: Debt collection

I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is violation and against the law
Product: Credit reporting or other personal consumer reports

I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

XXXX TypeBalance XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX TypeBalance XXXX XXXX OpenedXXXX XXXX  XXXX XXXX XXXX Type ClosedXXXX XXXX  XXXX XXXX XXXXXXXX XXXX TypeBalance XXXX XXXXXXXX XXXX XXXX XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX openedXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX
Product: Credit card

Paid for services using the promotion of no interest if I pay promotional balance within six months. Paid way over the minimum balance for two months in a row ( {$420.00} extra the first month and {$340.00} extra the second month ) hoping the excess would be applied to either promotional balance and it never was. Company now claims there is nothing they can do until the billing period closes, and the after that they can't reallocate the payments because the billing cycle closed ( what they told me about my XXXX payment ). 

On the website they have an area where you can tell them how to allocate the payments but no matter how I filled it out ( and received confirmation ) the information did not stay and payments were allocated to the regular balance instead of the promotional balance ( s ). And now they are about to charge me the deferred interest because they claim I didn't pay the deferred balance before the expiration date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

This complaint is for Loan depot XX/XX/XXXX I received a call from a XXXX XXXX, a lending XXXX, asking me if I wanted to refinance. I informed XXXX that apparently my dept to income ratio is too high, as I was told by another refinance company, so I cant do it. He told me to send the documents about XXXX different income documents. He said that my debt to income was high, but If I could prove that I wasn't paying the mortgage for over a year he may can do it. Which I don't pay the mortgage my finance does, so I sent all his statements showing he payed it. XXXX was not the problem he was operating in good faith. I spoke with him several times from then to XX/XX/XXXX. 
I then got a call from XXXX XXXX around XX/XX/XXXX, stating he works at Loan Depot, I asked him why he was calling because I had just spoke with XXXX and he said he works with XXXX and was furthering the loan ahead, he made it seem as if he was the next step. He sounded shady and predatory. I questioned him why he couldn't just get the information from XXXX that he was requesting and he said that he would and called me back, stating he would be able to do this at an even better rate and financial option. He stated that he got everything needed to proceed from XXXX. I informed his as well as XXXX, not to order an appraisal unless he knew that I could do this loan, he stated that he would not order it unless everything was okay. I asked him how much the house needed to appraise at in order to be okay, he said around XXXX. He asked for {$18.00} to lock in a rate and to ensure that I would be forwarding the process with him. I got a message from a women named XXXX XXXX, asking for some additional signatures. XXXX proceeded to act like the debt to income and financial documents was enough to secure the loan. He orders an appraisal and then goes silent. I called him to ask about the rates again and he says we are having trouble getting the debt to income approved, and I again stated why you didn't have that approved before you ordered the appraisal. That was the first thing I told you to make sure of. The house appraised at $ XXXX so the amount shouldn't have had anything to do with it, He simply didn't do the math, of how much I make and how much I pay out. There were no new documents submitted to have changed that, he simply did whatever he could to push it through knowing darn well, he didn't do the math first. I don't event think he looked at the documents I previously sent XXXX. He just proceeded in bad faith. I would like my {$500.00} back for this appraisal they ordered for no reason.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account I marked inaccurate XXXX XXXX XXXX
Product: Checking or savings account

Hi today ( XX/XX/XXXX ) I called TD bank because I had an overdraft Balance of {$680.00} out of which 82 % was overdraft fees ( {$560.00} ) when I called to try to get some of the overdraft fees removed, they declined it. I asked to speak to a manager and she also declined my request. 

When I asked why I was charged my first overdraft fee of {$70.00}, I figured I was victim of balance misrepresentation. 

On XX/XX/XXXX I was charged a overdraft fee of {$70.00} for over-drafting my account to - {$6.00}. However, my balance was showing {$240.00} positive and it didnt show un posted transaction which still totaled up under {$240.00} because some of them were charged after XX/XX/XXXX when the first overdraft has already occurred. XXXX the manager had told me it was due to pending transactions not shown on my account which led me to believe I had a positive balance.
Product: Credit reporting or other personal consumer reports

My information with Equifax was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this data breach.
Product: Debt collection

CCS COLLECTIONS Address- XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone - XXXX ) XXXX My complaint is CCS has wrongly reported to the credit bureau that I have a collection with them in which I never received any letter or call or VM stating I had a debt I never had a chance to dispute the debt to see if it was validated. In XXXX I was forced to relocate due to significant damage to home due to hurricane IAN I was forced to be in a hotel up until XX/XX/XXXXXXXX  I have told them and sent them documents showing I was in temporary housing and that I never received anything in regards to this debt they refuse to remove it off my credit report they have not sent me any validity that this is my debt I wish for this to be removed and for them to ACTUALLY contact consumers instead of just reporting to the credit Bureau also the date that it was opened according to my credit report states on XXXX Date of First Delinquency XX/XX/XXXXXXXX  but states on XXXX  Date opened XX/XX/XXXXXXXX  so if this is mine which date is it and how do I even know its mine CCS is reporting inaccurate information and I would like for this to be removed off my credit report and for CFPB punish them for this I was just notified of this on my credit report XX/XX/XXXXXXXX  and thats the only way I found out about this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX 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 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX experian XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have been trying to close on our first home since XX/XX/XXXX. We have applied for a USDA loan. While going through the process we have given financial information, employment verification, letter of explanation for payments, and tax information to the mortgage company. We have had to get XXXX extensions on escrow. We are dealing with Paramount Residential Mortgage Group, Incorporated. Over this time, they have had us to re-send much of the information that we 've submitted during the beginning stages of the loan process. We remind them that we have sent the information, but they keep saying that it is for the underwriters. The claim is that the underwriters are trying to " dot every I and cross every T '' for the USDA loan. The problem is that the government has already approved the loan weeks ago, but we have yet to close on our home. We are also having issues with our mortgage agent, XXXX XXXX ; he does not return our calls when we inquire about what is holding up the loan process. This has been going on for several weeks. We are concerned that either they are losing our personal and financial information or that they are just holding up the process because they are getting some type of financial gain by holding up the sale of the house. As this process has gone on and on, I have seen the level of unprofessionalism increase to levels bordering on negligence.