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

I am writing to formally express my concerns regarding Zelles handing 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 fundings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to formally request the removal of account # XXXX from my credit report. This account has been resolved, as indicated by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I currently have 2 private loans with navient. One is cosigned by my mother who is currently retired and another larger loan is cosigned by my sister. I have requested that navient lower the amount that I pay monthly due to decreased pay rate and increased cost of living. navient lowered the loan under my mother 's name because she has no income, but due to my sister 's income they refused to lower that loan, instead asking me to have her help me make payments.My sister has XXXX children of her own and her own student loans, she can not assist me with these payments. I am willing to make reasonable payments however my private student loans toke up a 1/4 of my income and soon will take up 2/5. I am pay check to paycheck sometimes having to borrow with high interest loans to make ends meet. Because of this I have not been able to improve my credit sufficiently to have my sister removed from my loan, if I could do that, I could have a more reasonable payment plan. I recently had a child and this has further impacted my funds.l, navient does not offer any plans to accommodate this change. All I want is that my payment plan be based on my income and not my sister 's so that I can make somehead way on this student loan, it has been almost 10 years of payments and my loan has increases. This seems like a unbreakable circle at this point with navient.
Product: Debt collection

This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 fumish a account without my written instruction.

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: Debt collection

My identity was stolen -- CREDIT COLLECTION SVCS is reported that I did not pay {$530.00} and that it is past due, on behalf of XXXX  XXXX XXXX. It says the account number is XXXX ( I do not have the last two digits ). I have never lived in Florida and this is definitely fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$25000.00}
Product: Payday loan

Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, TransUnion, XXXX  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.
Product: Credit reporting or other personal consumer reports

I am writing this letter as an immediate and urgent follow-up to my previous dispute, regarding the inaccurate and unverified information that continues to persist on my credit report. Despite my initial dispute, which was submitted in compliance with the Fair Credit Reporting Act ( FCRA ), these erroneous items remain unresolved and continue to harm my credit profile. This negligence is unacceptable.
Product: Mortgage

The whole process took about four months total. A couple of days prior to closing, we were advised that they could not fund the mortgage. We were given conflicting reasons. The final documentation that we received months later showed a completely different reason than given initially. I have recorded calls, trxts and emails proving everything.
Product: Credit reporting or other personal consumer reports

I froze my credit over the automated phone line for Experian. I have attempted to unfreeze my credit but am unable to do so because Experian requires a pin to unfreeze my credit that I was never sent. I was then directed to create an account online to have a new pin sent. I created my account through Experian.com but am unable to log in. Every time I try to log in I receive this notice : " Oops, we're sorry! Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX. '' This issue has been ongoing for months with no resolution from Experian. I have attempted to call the customer service line provided and numerous other customer service numbers but have been refused contact with a representative or technical support. 

Because there is no way for me to access my online account or receive support from a representative, I can not unfreeze my credit online or receive a new pin to unfreeze my credit over the phone. Due to this, I am now no longer able to apply for credit cards, loans, etc. This has significant negative effects and is detrimental to my financial well-being.
Product: Student loan

My loans are " serviced '' ( if you can call whatever they do service ) by Aidvantage. I applied for the SAVE plan in early XX/XX/2023 about when it went live. It was the plan I selected and I'm well aware both I and my loans qualify for it. I was maintained in the PAYE plan. I applied again shortly after and was again kept in the PAYE plan. I tried emailing them a few times about the issue, got one response that was as helpful as a screen door on a submarine, and have never gotten any further communication. I have also called their customer service multiple times, often waiting for over an hour with no answer and a couple of times the phone would be picked up and hung up almost immediately. My payment would be the same whether in PAYE or SAVE... I'm a social worker, so I make peanuts or whatever nut is worse than peanuts ( which aren't really nuts ). The issue is that the SAVE plan has a feature that forgives interest accrual beyond whatever your payment is so that your balance can stay the same but never increases due to unpaid interest like it does in the PAYE plan. Since I applied for enrollment in the SAVE plan, I have been hit with over {$1000.00} in interest that should not have increased my balance if I was assigned to the correct plan. My previous complaint was closed because I had a pending bankruptcy, which my student loans were not up for discharge regardless. Upon discharge of bankruptcy, Aidvantage updated the account and are charging me a payment amount much higher than the FSA IDR process quoted. They continue to be near impossible to deal with.
Product: Debt collection

I contacted the company several times to make right on what they said they would do as far as deleting this account after it was paid however, they refuse to update the account as paid and wont assist with me talking to a manager. I have proof through information they sent me the debt was satisfied and would be sent for deletion however I've been hung up on a yelled at.
Product: Checking or savings account

I have a chime account open & on XXXX XXXX @ XXXX I had {$90.00} in my savings & {$5.00} in my spending account. My transactions were disabled & I did not make any transactions until the next morning when I was about to transfer some of the {$90.00} to my spending to purchase food. I noticed all my money is gone {$95.00}. Under transactions it says it was Transferred to a friend by the name of XXXX XXXX who banks with Chime as well. I reached out to Chime to file a dispute and let them know the transaction was unauthorized. They requested me to fill out and email an Affidavit form I did so & I havent heard back from Chime since. I googled to see if anyone else faced this problem & there is a whole review page https : //www.depositaccounts.com/banks/reviews/chime.html of people currently and previously facing this exact same problem & are loosing a lot of money. My transactions were off which means the money shouldnt have been able to transfer to anyone. In addition I didnt receive an email or phone notification as I normally do when I make a transaction. Lastly I have not even set up the feature to allow transferring money to others who bank w chime.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of trans union. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX  that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX  XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted XXXX, sending them a copy of my driver license and police report along with all requested info to prove my real identity. XXXX  have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.
Product: Money transfer, virtual currency, or money service

The problem started XX/XX/XXXX when a friend ( and roommate ) mistakenly sent me money for rent via Venmo using its Goods & Services option ( this is an option for sending money to businesses so that the transaction is insured ). The money that was sent to me was simply rent that was due so I could pay the landlord ( i.e. I am not a business ). This is relevant because of the new tax laws pertaining to payment apps like Venmo where users get taxed on the annual sum of business transactions if they exceed {$600.00}. Since the rent payment that my roommate was sending me was more than {$600.00}, I now am subject to paying taxes on it. When the payment was made, I worked with my roommate to have it refunded- this was the only action that Venmo could do. However, despite the refund, Venmo said there was no way to omit that transaction from the tax statement - apparently any transaction listed as Goods and Services ( even if refunded so that it basically doesn't exist anymore ) gets tagged and put on the tax statement. At that point, I simply had to wait until I received the tax documents so that I could then provide them all when reporting to the IRS ( by showing documentation that the transaction I am being taxed on was actually done in error, illustrated by the refund, I can support my case for not paying taxes on that amount. Fast forward to XX/XX/XXXX when I received my 1099-K from Venmo listing the transaction as something I needed to pay taxes on. I then searched for the monthly statement that would show that the transaction was refunded. However, I found that the monthly statement could not be used in this manner to prove that the transaction was refunded- the ID number and the timestamp for the transaction was not the same on the tax document and the monthly statement ( in fact, the monthly statement has it occurring in a completely different month due to the timestamp inconsistency ). This is problematic, because I can no longer use Venmo 's documents to show that the transaction was refunded.
Product: Credit reporting or other personal consumer reports

I called TransUnion at ( XXXX ) XXXX on Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to call XXXX ( XXXX ) times consecutively because each time I called I heard a long moment of silence and the dispute agent stopped talking. I kept saying hello are you there? Agent Im unable to hear you. Hello TransUnion? And there was no response. All three ( XXXX ) calls were routed to the XXXX call center. I only have this problem when I get the XXXX. I believe this is done on purpose and is known as call avoidance. I dont have this problem with XXXX XXXX XXXX XXXX XXXX It gets worse, I called TransUnion again on Wednesday, XX/XX/2024, at XXXX XXXX XXXXXXXX and the same thing happened again. It was also the XXXX again. XXXX phone calls disconnected all occurring out of XXXX is no longer a coincidence, it is now a pattern and practice. This is inappropriate and unacceptable. I have the phone calls recorded as evidence, including screenshots of the timestamps.
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 12 USC 1681. 


ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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: Debt collection

COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've dispute multiple reports and I've heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a XXXX XXXX Credit Card that was opened XX/XX/2015 as paid but also showing that XXXX was written off. This old credit card was paid off in full and I have since obtained 2 other credit cards with XXXX XXXX. This amount was not written off and should only reflect as paid. Experian is the only credit bureau reporting this incorrect information.
Product: Vehicle loan or lease

Complaint Update - Additional Evidence of Deceptive Practices New Evidence of Undisclosed Fees & Deceptive Lending Since filing my initial complaint, I have reviewed my records and wanted to add critical new information that further supports my case : The vehicle was involved in three separate accidents, 2 of them within the first year of ownership : Two rear-end collisions One head-on collision with another XXXX XXXX  Despite these significant accidents, we never used the Ally Premier Protection ( {$2900.00} ) because we were never informed it existed or what it was for. 
Had we been aware of this coverage, we would have used it instead of our personal insurance to cover the repairs. 
This confirms that the Ally XXXX XXXX plan was added to the loan without our knowledge or consent, otherwise, we would have used it during these incidents. 

Lack of Proper Disclosure & Potential Loan Packing The contract itemization shows the {$2900.00} charge, yet there are no signatures approving this fee. 
The only signed section pertains to XXXX insurance, meaning we were unaware that this additional coverage was included in the financing. 
The failure to disclose this service, coupled with its inclusion in the loan without explicit approval, raises serious concerns of predatory lending and deceptive business practices. 

How This Violates Consumer Protection Laws 1. Truth in Lending Act ( TILA ) Violation Failure to properly disclose an optional add-on service and its financial impact on the total loan amount.

2. Unfair and Deceptive Acts and Practices ( UDAP ) Adding an undisclosed service without consumer knowledge or consent constitutes loan packing, which has been the subject of regulatory actions against auto lenders.

3. Unjust Enrichment Ally Financial collected payments for a service that was never disclosed, never used, and never consented to.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged positioning of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in to my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to request my credit report in different credit monitors such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.