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

I am writing to formally mine concerns regarding Zelle handling or dispute, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of time and reporting discrepancies my financial Institute fail to investigate my claim in adequately. They informed me that recovering lost funds was impossible and tracking those transactions was infeasible. The CFPBs finding indicated 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Product: Mortgage

Bank of America is charging me an astronomical fee for insurance that has lapsed for 11 months in 2018. I can not get insurance with a company due to the fact that the time has already passed. This should be against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I was on a call with a company marketed as Accredited, which provides debt settlement services. I was on inquiring, never gave them my social security number and did not give any approval for a hard credit inquiry. They asked for my name, birthdate and home address and said they would only do a soft inquiry to see what products they could offer. They requested my bank account number and routing number over the phone, which I would not give them telling them I could not provide that sensitive information without first having a better understanding of what company I was dealing with ( no privacy disclosures were provided to me on the call ). I ask that the companies debt settlement agreement be provided to me so that I could understand it before making a decision. I decided not to move forward with their debt settlement services. I then received a notice that I was denied credit. But I never provided an approval for a hard inquiry into my credit report and I was not at all intending to apply for a loan, nor was I advised that I was, in fact applying for the loan. 

The following was in the denial email ( the first time I heard that was engaging with XXXX XXXXXXXX XXXX ) Creditor 's name : XXXX XXXX XXXX XXXX XXXX address : c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, at telephone number : XXXX My phone conversation was with a XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Accredited Debt Relief Direct : XXXXPersonal Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX I received XXXX documents and to be able to review them I needed to check that I agreed to signature, but I never signed the documents and there were no disclosures to me that I was in fact applying for a loan.
Product: Mortgage

On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX Inquiries : XXXXXXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

As I was getting ready to apply for a car loan with my bank, I glanced over my credit report to observe my consumer report ; I noticed a lot of unauthorized, inaccurate accounts that were reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX and my kids lives XXXX. I am unable to get a good rate on my car loan due to the misinformation reporting to my name. I am terrified that an anonymous individual has been misusing my personal information for mischievous actions. Please help I am completely stressing out due to the fact all this information hindering me from obtaining a reasonable car loan and future home loan that I have been working hard and saving towards.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a dispute letter to LVNV as well as XXXX, XXXX and XXXX. I was requesting either a signed contract with LVNV or a purchase agreement showing that they had purchased the rights to collect debts that they claimed belonged to me. They were reporting XXXX collection accounts on my credit reports. On XX/XX/year> I received a notice from XXXX that an investigation had been done and that XXXX of the collections had been removed from my credit report. The second one remained on my XXXX report despite the fact I never received a copy of a signed business contract or a debt purchase agreement as I had requested. 

As of this date, XX/XX/year> the LVNV account that was deleted from XXXX is still being reported to XXXX and XXXX - and I have still not received either documentation from LVNV that I requested. Additionally the second account is still being reported to all XXXX credit bureaus despite the fact I have not received any contract of debt purchase agreement.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent a letter to XXXX, Experian and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Debt collection

Love Beal & Nixon PC out of XXXX XXXX, OK has been attempting to collect on a very old credit card debt from more than 10 years ago. I have moved addresses, moved states, changed phone numbers and jobs over the years so I guess they could not reach me. On XX/XX/2019 they seized my bank funds, totaling {$280.00} and reduced my balance to XXXX. I had no savings to pay a lump sum. Seizing my bank funds created undue hardship on my family. I couldn't pay my bills, get gas in my car to get to work, or buy groceries for my XXXX children. That is when I learned they had taken legal action against me for this very old debt. 
I don't know what to do. I am living pay check to pay check, I still have no savings. It takes every penny I earn to pay my monthly expenses. I just can't afford to pay another person. I called them in XX/XX/2019. They said they would settle for a ridiculously high amount. They already took every dollar I had, and that only amounted to {$280.00}. Why would they think I could suddenly pay {$4000.00}? I live in fear that they will garnish my wages or take more money out of my bank account. I will not be able to survive. My children and I will become homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime on XXXX, 2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. There was also a BANKRUPTCY chapter XXXX that I never filed. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine ( including the Bankruptcy ). After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and TRANSUNION finally removed the accounts from my report. 
Unfortunately, I am still dealing with an alleged BANKRUPTCY CHAPTER XXXX on my report. So I am now contacting the CFPB because I need this public record out of my credit report, because it is affecting me a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Experian to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked Experian to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681a Definitions ; rules of construction XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of my rights. 15 U.S.C 1681a states that for an account to be furnished on my consumer report the furnisher must disclose to me that an account may be furnished on my consumer report and I must be given the opportunity to direct whether such information can be furnished. XXXX XXXX XXXX and XXXX XXXX XXXX has NOT given me the opportunity to direct such information, furthermore XXXX XXXX XXXX has not followed the correct eviction procedure on several occasions. XXXX XXXX Apts failed to provide me with an eviction notice or quit and leave notice, they also failed to completely evict me as only half of my belongings were moved to the curb from the third floor, the sheriff officer and movers stole small items as they allowed me to get a moving unit as a result my family and myself were evicted after being told that coporate and the front office would be of assistance with adjusting rent payments due to going the entire winter with no heating unit and also large holes in the cabinets. As a landlord they are required to provide suitable living environments for their tenants to be in compliance with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to Freedom Mortgage. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, freedom mortgage reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise freedom mortgage that no fees should have been assessed on the missed payments, I need freedom mortgage to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 604 A 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 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: Checking or savings account

On XXXX XXXX my checking account was unlawfully and unauthorized hacked and {$3900.00} was taken without my consent i have contacted the navy Federal credit union immediately i filed fraudulently paperwork after 20 days of hearing nothing i filed an appeal i was told it was my fault that some one stole my money they would not insure my stolen funds i even filed a aa co police dept report on the theft and the terrible customer service i was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX I was sent a link to go online to complete a credit application. I was told during the online chat that it was a zero interest application. When you get to the end of the form you have to choose YES to activate the additional credit card billing or the form will not go forward. The rep from the local store, XXXX told me to call XXXX when I informed her the form would not submit without choosing additional charges to my credit card. She insisted I was wrong. I spoke with a rep from XXXX XXXX at XXXX and was told I was not using a compatible web browser. That I needed to use Internet Explorer, Firefox, etc. I explained I could not do that as I was using Google Chrome. The rep stated I should contact the local store as they had the ability to take care of this over the phone. I again completed the online credit form and it would not accept the form without checking the Yes option to activate the additional billing. XXXX told me during the online chat that Google Chrome would work but not the other browsers. I answered that I had been told the opposite from XXXX. I asked to contact the local store and they would not provide the contact number. I looked the number up online and called the local store in XXXX, AR. 

When I called the store a man claiming to be the manager answered and was very abrupt. He wanted to know what mattress I wanted and they would sell it to me right then. I tried to explain what happened and he did n't want to hear about it. Then I knew I was speaking to the same store employees that I had been chatting with online. Being forced to sign that additional credit card billing was clearly fraudulent. It meant there was no zero interest as was claimed. Please see the Chat Transcript dated Friday, XX/XX/2016 ended at XXXX. 

I have an attachment of the chat transcript and copy of the credit application. I identified myself as a XXXX veteran XXXX. It made no difference to this company and I asked multiple times for additional help which they did not supply. 

Credit Application Form XXXX Optional Card Security Enrollment Selection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX and transunion numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor transunion has yet to remove the inquiries. XXXX has violated my rights as a consumer. Transunion stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXXXXXX XXXX AND XXXX report the bankruptcies on my credit which is false information that was applied to my credit report. XXXX sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law I dont have to give you my personal information because I dont want you with it but still XXXX are reporting things to transunion with no accurate information. XXXX stated in the letter they need proof of my id social security card and bill! If XXXX dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against XXXX and Transunion. I want both companies to provide me accurate information. I froze XXXX from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX XXXX sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from my credit report!
Product: Mortgage

Dear Consumer finance, I am writing to you about my principle residence on XXXX XXXX XXXX XXXX XXXX. I have been trying to get a loan modification from Nation star for over two years and before that with XXXX XXXX XXXX who was the previous servicer. Even though the HUD councilor and my accountant and loan officer said that I am qualified to get a loan Modification, Nation star continues to deny my LOAN modification. 
In the spring and summer my husband and I travel to state and county fairs with our business and do very well but in the fall and winter the business is slower. When I submitted my loan package XX/XX/XXXX, they gave me a trial in the beginning of the fall that was double my original payment. My accountant said that it was unacceptable ; it was just setup to make me fall behind my payments again. So I resubmitted my loan package but the income was a bit lower because of the season. 
I have asked them many times, to communicate with me through email because of my business travels, but only after I have complained to the Customer Relations, did they assign someone. XXXX XXXX was communicate with me which was very productive, but shortly after, they took her off the case. No email communication after that. I have had about XXXX+ point of contacts ( the current one is XXXX XXXX ) and none of them has ever contact me. I have left many messages but no return calls. Very often I get an automated call on my cell after their offices have closed for the day. And when I call the next day, I get to speak to someone abroad ( their outsource servicer ) who generally asked me for items I have already submitted. I complied with everything they asked for but so far no communicate through email which makes it very difficult with my business travel. On XXXX/XXXX/2016, I spooked miss XXXX, and asked if i can have an email to communicate with my point of contact and she said that it is not possible. I told her that I will be traveling and phone communication may not be possible and I would like my husband to be the contact person in my absence. I did this a year ago and shortly after that, they sent a letter of denied loan modification, they figured that I was away and there will be no recourse from me and they can foreclose on my home in my absence. But fortunately, my trip was postponed this time and I was here to get the bad news of denied loan modification due to negative disposable income. This is very incorrect according to my loan assistant. They have previously done this using the wrong income or very old info to disqualify me. I strongly feel that because of my ethnic origins or religion, they are refusing to give me a doable or practical loan modification. Please, please help me in this matter. I beg you. 
Sincerely XXXX XXXX