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

Hi, Im writing CFPB formally expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;
Product: Credit card

This is my fifth or sixth attempt with this company. For the past 6 to 9 months, I have been reaching out to this company in hopes that they would immediately erase any information of mine from their database. I am writing to dispute fraudulent account and fraudulent charges. I am a victim of identity theft, and I did not make any charges or even apply for this account. I request that you remove any fraudulent accounts or charges or any related finance charges in any other charges from my account or this database with your company, please I deserve to have an updated and accurate statement that the account is closed. I also request that you cease reporting any inaccurate information to all nationwide credit reporting agencies which I have provided. 

I have filed a Federal Trade Commission identity theft report on this company I was incarcerated. I never applied to this company and they have not provided me with any information no signatures no proof of address or account statements only a letter stating that I am responsible for the debt, which is unacceptable because that means their investigation is a fail and it never was done. I have been on this for the past six months and I will no longer keep letting this go Capital One. You are keeping an account in my name that is fraudulent and derogatory and was open fraudulently by somebody else that stole my identity and you know it. I have provided your company with reports federal trade, identity, theft, police reports, etc. and your company still will not Completely erase my information from your database so that I may one day apply for credit with your company and actually have a good report and relationship relationship. 

And a copy of my identity, theft, reporting my position and a copy of other things showing that this is a fraudulent account related to your company, and as a result of identity theft also encloses a copy of the notice to furnisher issued by the federal trade commission which details your responsibilities under the fair credit reporting act as the information furniture to CRA and to the consumer. The notice specifies your responsibility when you receive a notice from the consumer under section 605B of the fair credit reporting act, the information you provide to any consumer or CRA may, be the result of identity theft, which makes you illegal and irresponsible. These responsibilities include ceasing to provide any inaccurate information to any consumers or CRA and insure. You do not attempt sell or trans fraudulent debts to another party for collection. This debt is fraud. This account was open fraudulently. Ive had the same address sinceXX/XX/XXXX. I am also enclosing with the company a copy of my ID and proof of address. This must immediately be resolved or I will further take action against Capital One.
Product: Credit reporting or other personal consumer reports

I am formally requesting your assistance in addressing multiple unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( XXXX. XXXX ), specifically XXXX XXXX, entities must have a permissible purpose and my explicit authorization to access my credit report. I have identified several inquiries that I did not authorize or consent to, in clear violation of this law.The inquiries that was unauthorized were XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Additionally, I am deeply concerned that my personal information has been compromised due to my involvement in several data breaches over recent years. As a result, my information may have been accessed by malicious actors, leading to these unauthorized inquiries. I didnt apply for credit with the listed entities, nor did I grant written or verbal permission for them to access my credit report. The unauthorized access to my credit report and misuse of my personal information due to data breaches have caused significant harm, including a negative impact on my credit score. Increased risk of identity theft and financial fraud. Emotional distress and time lost addressing the impact.
Product: Consumer Loan

I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter
Product: Credit reporting

This company Experian is reporting incorrect information on my credit report - 1. The only address that I 've had for the past 22 years - is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All others, are invalid and need to be removed immediately. 

2. I have not applied for any credit in 8 years - I 've been XXXX, so all credit inquiries that fall within that time frame need to be removed. I have NOT authorized any credit inquiries since 2010. 
3. Also you are reporting my employer as XXXX - That 's incorrect, I 'm XXXX military - Remove immediately and I do n't want my employer or occupation listed. 

I have been XXXX in XXXX for the past 8 years. I need this information CORRECTED and removed immediately. This has been illegally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted to Equifax copies of fraud complaints filed in XXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, Equifax fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of XXXX XXXX and previously sent to Equifax and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

XXXX  XXXX balance is at zero and Equifax refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.
Product: Debt collection

XXXX XXXX XXXX Original creditor : SANTANDER CONSUMER USA {$9200.00} This isnt my debt and this account been on my credit for 7years
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After repeatedly going back and forth with XXXX regarding late payments, they've updated multiple errors on my credit profile with all three major credit bureaus. I have reached out several times to ask for validation of late payments prior to contacting Consumer Protection Bureau. Today my credit report was updated with the false dates they deemed my credit profile as late. None of these dates match with my records through email after payment processing. This company lied to me several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax web site encourages you to fill out information to request annual credit report AND initiate a credit freeze online only to have you go through the steps and then tell you they can not fulfill request online. You must submit request via regular mail.
I would say give the fact that they are the ones responsible for placing 143 million consumers in harms way that they need to be able to respond to these requests online and in a timely manner.
Very frustrating!
Product: Consumer Loan

TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX - XXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Mortgage

My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00}.
Product: Mortgage

I am on bi-weekly payments with ditech. 
They did a system migration and applied the payments to principle which made my loan in pass due status. I then received a letter from a debt collector in attempt to collect a dept. 
This is a problem that was create by ditech to thousands of loans. It has affected credit problems and mental stress.
Product: Credit reporting or other personal consumer reports

I had paid this account. I did not receive any notice for it being 30 days late. When I went to pay the account on my XXXX, it doesnt let me pay without calling. I tried calling and nobody would answer. I paid the full amount as soon as I could to make sure this wouldnt affect my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX XXXX  account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXX XXXX. Please reference the attached document from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX  which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.
Product: Credit card or prepaid card

Tried using a card to make a purchase at a grocery store through contactless XXXXXXXX XXXX  which I've had in my continuous possession for several years on the exact same device. Purchase declined. Tried contacting issuer, hold times " greater than 10 minutes '' per issuer. Been on hold for over an hour yesterday, with noone answering. Currently on hold for over 30 minutes. They disabled my access to my online account as well, even though I've only ever logged into the account from existing devices.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with US Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but US Bank made me purchase insurance separately.
Product: Mortgage

My experience with Wells Fargo was many years ago back in XXXX. I dont know if this lawsuit will go back this far but it was an awful experience with Wells Fargo . The property address that was mortgaged address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX.
Product: Credit reporting

XXXX Card : It is an account that has more than 7 yrs of age, it was mentioned that it was going to be taking off the bureau. I have already disputed such account so the error could be fixed but no respond. Please remove account from my report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

I have contacted lender in regards to deleting late payments, yet I havent heard back from them. I am to obtain new credit and progress in life.
Product: Credit card

I called Discover Card customer service today ( XX/XX/2023 ) and was advised I could not re-allocate my excess over the minimum payment to the Balance Transfer that is expiring on XX/XX/2023. The regular purchase balance at APR 28.24 % would have to be paid in full before I could pay the Balance Transfer at APR 4.99 % that is expiring on XX/XX/2023 The effect is that customers who fail to pay off regular purchases will have zero APR or low APR balances convert to regular purchases at a higher APR ( example, 28.24 % ). Discover Card 's policy to not allow cardmembers to reallocate excess payments is doing more harm by causing some cardmembers to not pay off balance transfers before the expiration date.
Product: Vehicle loan or lease

Usually when an account is 90 days late it's your car will be considered for repossession. 

My account is NOT 90 days late and my BALANCE OWED is less than {$1000.00}. 

Hyundai Finance has locked my account so that I will not be able to make any payments and once my account is considered 90 days past due, they can repossess and make more money by charging fees to obtain the vehicle back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following accounts that are harming my credit : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I received a collection of letters from this company that I have no relationship to. 
Calvary portfolio services has no authorization and I have no business contract with them I submitted a letter on this years ago and this was deleted as they had no legal contract.
Product: Checking or savings account

My bank XXXX XXXX made 2 payments to a vender on XXXX for {$150.00} & {$200.00} on XX/XX/XXXX. Electronic payment. The vender checked their accounts and they didn't receive the payments. The banks system only lets me enter a mailing address and not account information for an electronic payment. The bank will only say that they sent the payment to my vender XXXX. No account information of where it was sent. They say they can't refund the account since they have no way to get the electronic payment back. 
They know where they sent the payment and should have a record of it to track it down and get the payment back. They are refusing to do anything about it. Does this mean bank bill payment is a fraud and not safe.