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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX. XXXX  || Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX MOBILE :  XXXX
Product: Money transfer, virtual currency, or money service

CashApp - A service rarely used by me, but has had some scam issues with some phishing emails lately and some spam. I recently was notified that my CashApp account was closed due to a transaction that violated their terms of agreement. I immediately thought someone has access to my account information. I reached out to CashApp 3 separate times to ask what transaction caused a violation in their terms of agreement and what the violation was. I was told my account is closed and they can not provide any further details. I have the list of the 6 transactions that I have used since XX/XX/2023 ( as stated, I don't use this app much ). 2 of the transactions are to XXXX ( gas, food, help with XXXX lights, etc ), 1 transaction is to a local booster club supporting the XXXX Baseball team, and 1 transaction is to a XXXX restaraunt, and the last 2 are to friends for a purchase of an item. I have reached out to the XXXX  and filed a complaint as well, and to this day, still get a script of 'ca n't help you ' from the business. 

As a consumer, I should be able to know what transaction violated the terms of agreement and verify it was truly a transaction I authorized or processed. So far, I can't get that information.
Product: Money transfer, virtual currency, or money service

am writing to formally express 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 but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Transunion, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account 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. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/2021. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made an initial purchase with Synchrony Bank in XX/XX/XXXX of XXXX. I was given a 24 month financing with no interest. Between XX/XX/XXXX and XX/XX/XXXX my payment was XXXX In XX/XX/XXXX I made another purchase of XXXX I was told that it was no interest if paid off within 12 month. I was told in the store that the payment would automatically calculate to payoff within the promotional period. 

The first statement after the next promotional period came and the payment was now XXXX. I added up the total balance of the card and the entire balance would be paid off by XX/XX/XXXX with a XXXX payment. There was no discoluser that made it clear how the payment would be applied. I have been making auto payments of XXXX since the second purchase assuming that the payment was first being applied to the balance that would expire first then being applied to the rest of the balance and that my payment would be XXXX until XX/XX/XXXX. This is how other Synchrony bank account I have had with promotional balances work. Today I realized that payment has been continuing to apply XXXX dollars to the XX/XX/XXXX balance and XXXX going to the balance expiring in XXXX of XXXX. I called to ask why how I was supposed to know that is how this payment would be applied since I was told something contradictory in the store and the math worked out and was told I would need to call them to know. This is not an acceptable answer. I difference of this promotion v. the initial promotion in how the payments are calculated should have been more clear. I am now going to have to pay for XXXX in one month to pay this XXXX dollar purchase that was supposed to be split up over a year off without interest. The balances are shown on the statements but are on the 2nd page and I get the statements electronically and there was no warning about the promotion expiring soon.
Product: Debt collection

XXXX, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692 g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer _ reporting agencies. 

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit.
Product: Credit card or prepaid card

Dear CFPB, Due to unexplainable activity which arose when opening account ending # XXXX for a secure credit card ; I wanted more information pertaining to my account ending XXXX. 

I mailed Bank of America a notice of complaints and requested documents ( local branch and corporate office ) pertaining to my account ending XXXX. Bank of America was given 20 days to respond. Attached is the copy of certified mail sent XX/XX/2022 and green return receipt they received dated XX/XX/2022. ( no green receipt from branch office ) Bank of America has already had 34 days. I received a letter yesterday XXXX, Dated XX/XX/2022 ( attached document ) stating they will respond in 30 days. 

I've shown good faith towards Bank of America concerning time but Bank of America has failed to honor my request for documents in a timely fashion. Whatever assistance that you can provide will be greatly appreciated. 

my BOA 's case # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish this account : XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never done any business nor had I heard of Debt Recovery Solutions. I do not owe them any debt. They reported my debt with XXXX that is over 7 years as a brand new account and brand new collection. 
I had an account with XXXX 7 years ago and I paid as agreed until I was effected by the government shutdown and did not receive a paycheck for 3 months. They continued compounding interest on the loan and by the time I was paid and could make a payment to them my loan had doubled the original amount of the loan. The company was unwilling to work anything out for me to catch up. They kept the loan account open for over 6 months stacking interest on the delinquency and then closed the account. They removed the collection from my credit several years ago and I have not heard anything from XXXX since. Then Debt Recovery Solutions started reporting the account as a brand new account collection.
Product: Consumer Loan

I recently decided to let my granddaughter buy my car. She paid it off through the finance company on XXXX/XXXX/15. It has been over a month and we still have n't received the lien termination letter or the title for the car. 
We have repeatedly contacted the company to let them know that we have n't received the information and they have just mailed it out. It was, supposedly, mailed out to us XXXX times, but we have yet to receive any of that information. 
I have XXXX of my granddaughters listed on my account as the preferred contact, as she understands all of this more than I do, and they refuse to speak with her. They do demand that they speak with me, when it is listed on my account to have her take care of everything. They are always rude when we talk to them and all of us involved with this are completely frustrated.
Product: Debt collection

TSI Transworld Systems Inc. 
on behalf of XXXX XXXX XXXX : Ive never heard of or been to either of these companies and have called and written both. I have continued to receive this fraudulent bill for services Ive never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had signed up with a debt consolidation company back in 2018. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company XXXX XXXX XXXX XXXX They are no longer in business and one of the owners of the company is in XXXX I am trying to get XXXX XXXX and Discover off my credit report.
Product: Credit card or prepaid card

I received an offer for 0 % interest and I used the check to take advantage of the offer. Bank of America charged me fee and 18+ % interest rate instead of the offered 0 %. I lost over {$1100.00} dollars. This is a follow-up complaint to XXXX which described the initial issue. On XX/XX/19 I received a call from a representative of the company who claimed that he look into the original complain and that I was never offered the 0 % offer. In addition, he claimed that the offer I described was for a different credit card. I did include a copy of a similar offer that came from the second credit as an example but it was misinterpreted by BoA employee even after I explained it. I do not believe that the employee ever looked into my issue and was simply trying to get rid of the complaint instead of helping me resolve it. I informed the employee on the phone that I have a copy of the original offer for the disputed credit card but he did not even attempt to look up my account or asked e to email it to him. He finished the call saying that he will be in touch. The only offer he made was that he was going to call BoA Marketing to extend the 0 % offer to me which does not make sense since I already received that offer and I used it just to find out that I was overcharged. My issue is that the company did not honor its commitment and overcharged me by over XXXX dollars before I was able to pay off the balance. I have been a customer of BoA for 21 years, I can not imagine how they treat others.
Product: Mortgage

Today XX/XX/XXXX I received a call from Flagstar Bank stating that my mortgage was behind for XXXX & XXXX of XXXX. 

In XXXX of XXXX, my mortgage servicer changed from XXXX operating as XXXX XXXX to Flagstar Bank. On XXXX the XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay to pay my mortgage. On XX/XX/XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay my mortgage for XXXX. This alone should would leave any reasonable person to believe their auto draft payments have been transferred over. 

When I received the call today I was informed that my mortgage was behind for both XXXX & XXXX and that the XXXX payment had been reported to my credit as late. She then stated that autopay would have had to been manually transferred in order for my payments to go through. When I asked how they received XXXX and XXXX 's payment, she stated that my previous mortgage servicer sent them through on my behalf. This is wildly convenient because under RESPA 33 ( c ) payments may not be considered late for the first 60 day after the effective date of the transfer. However, because my payment were still being taken out of my account during that time period I never received the protection that this regulation intended. Furthermore, Flagstar is refusing to cooperate in any form to remove this late payment. It should be noted that I never received a document stating that my autopay needed to be changed. The representative XXXX stated that there where several mailers sent out. All of which I have not received. 

I feel that this situation highlights the failings of Flagstar Bank to operate in good faith. They are trying to maximize fee 's and sidestep regulations that intended to protect consumers from this exact situation. I haven't missed a single payment in over 12 years and have had excellent relationships with every financial institution that I deal with. This missed payment was merely the result of a failed mortgage servicing transfer of which I should not be liable for. If you are reading this as a consumer, I highly recommend you consider other financial institutions.
Product: Credit card or prepaid card

my card was used at a list of places without my authorization i contacted upgrade and they denied my fraud claim after i submitted a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may be a potential victim in the Equifax security breach.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Unauthorized Collection Efforts : According to information provided by XXXX XXXX, the debt in question was sold to XXXX XXXX, and as such, Vance & Huffman LLC is not authorized to collect this debt. Despite this, you have continued to report this debt as open and with an outstanding balance on my credit report, which is inaccurate and misleading. 

On XX/XX/year>, you acknowledged receipt of my request for validation of this debt. Instead of providing the requested assignment contract proving your legal authority to collect, you sent a link to review loan documents, which fails to demonstrate your right to collect the debt. Your actions are not only a violation of the FCRA but also of North Carolina state law, which bars the collection of unauthorized or time-barred debts.

FCRA Violations : Failure to Provide Proper Validation : As required by the FCRA, you must provide a legal assignment contract or documentation proving that you have the authority to collect this debt. You have failed to furnish such documentation, despite my specific request.

Inaccurate Reporting to Credit Bureaus : You have inaccurately reported this debt as open and with a balance to XXXX and potentially other credit bureaus, despite having no legal authority to collect it. This constitutes a direct violation of the FCRAs requirement to ensure that only accurate information is reported.

Failure to Correct or Remove Inaccurate Information : Despite my dispute, you have continued to allow this false information to appear on my credit report, further violating my rights under the FCRA.

Violation of North Carolina Law : Your continued attempts to collect this debt violate North Carolina state law, as you are not legally authorized to pursue collection. North Carolina law prohibits the collection of debts that have not been properly assigned, making your actions illegal and subject to legal consequences. 

Remedy Requested : In order to resolve this matter without litigation, I demand that you take the following actions within 15 days of receipt of this letter : Cease all collection efforts related to this debt and cease reporting it to any credit reporting agencies, including XXXX. 
Provide written confirmation that the debt has been sold to XXXX XXXX and that you have no further legal right to collect it. 
Instruct XXXX to remove the collection account from my credit report. 
Provide written confirmation that all of the above actions have been completed. 
If you fail to comply with these demands, I will have no choice but to pursue legal action for violations of the FCRA, FDCPA, and North Carolina state law, seeking both statutory damages and compensation for financial and emotional harm caused by your unlawful collection attempts. 

I expect a prompt response and resolution to this matter.
Product: Vehicle loan or lease

My name is XXXX XXXX, I have an issue and I need assistance. I purchased a car from XXXX in XXXX of XXXX and they failed to disclosed to me the car was apart of a nation wide class action lawsuit. They lied and told me the car had no recalls. And they car started to mess up ( XXXX ). I was told they wouldnt fix it. The car stop in traffic three times, the clutch switch gears. The car then decided it wants to over heat and almost catch fire. Its a XXXX XXXX XXXX. I contacted XXXX XXXX and XXXX and offered to fix the car, I then had it repaired the car started doing the exact thing XXXX miles later and is not drivable. Then upon looking at the documents that was provided to me when the car was dropped off, my signature was digital forged, no knowing it can accept however, avoided under certain circumstances. The only documents I signed was the release of the car upon delivery. I started an out of court process settlement it begins in a two weeks ; me vs XXXX XXXX XXXX. I am facing a lot of financial difficulties because the car isnt working. I than tried to take it back to XXXX for service they denied towing when there website offers it for free and than was told they cant service the car til XX/XX/XXXX, if I can get it to the dealership.