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

I 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. I am honestly concerned and disappointed.
Product: Debt collection

Midland Credit Managment has not provided all the documentations, I have requested to Validate the debt. I have provided them with a police report and an identity theft report. They have placed a levy in my accounts and have also continued to negatively report to the credit report and accrue interest on an open investigation.
Product: Credit reporting or other personal consumer reports

I want the reported account, incorrect addresses, inquires and incorrect names to be removed. I do not want any incorrect, incomplete, or misleading information on my report. Letters were mailed on XX/XX/year> and XX/XX/year> about the incorrect, incomplete and misleading information on my report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX  XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Debt collection

On XX/XX/year>, at approximately XXXX XXXX  I received a call from a debt collector at IQ Data International. I spoke to a representative who was extremely rude and disrespectful. She would not give me options of payment and instead advised that I take out a loan or use a credit card to pay the amount in full on this day. I tried to gain clarity on the situation by asking questions and was overtalked. I informed the representative that I was at work at the time of the call, and she proceeded the phone call. I explained to the representative that she was being a bit rude and that I was only trying to see how I can cover my debt. She proceeded to state the name of my job and stated that she will call my employer after she clearly already has my information. She also stated that it will go on my credit report. At this point I asked to speak to a supervisor or management, and she stated that she was the only person I could speak to. The representative named XXXX proceeded to hang up the phone in my face. I tried calling back and asking if there was anyone who could help me settle my debt and even asked not to be transferred back to XXXX however, they transferred me to her anyway. I did not feel comfortable speaking to her and tried calling back to get another representative but got no answer.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX XXXX of 2022 I called into XXXX to cancel my card because there were charges on my card that I did not authorize, So today XXXX XXXX of 2022 I went in and got a new card and disputed the charges, Today is XXXX XXXX, 2022 Same day as I got the new card and my payroll check was put in my account there were three separate charges to a place called XXXX which drained my account. I called in as soon as it happened and a account specialist told me to wait until the payment processed to make a dispute? This is the second time this account has been charged fraudulently. When I looked up XXXX Today online it said it was fraud and a scam warning. So now I have absolutely no money and I have children I need to take care of please tell me how this can happen within just a few days and on a card I just got today. And there is no way they can decline the charges its wrong. XXXX XXXX XXXX! A {$93.00} purchase occurred at XXXX. Available Balance is : {$480.00}. REPLY STOP TO OPT OUT. XXXX A {$150.00} purchase occurred at XXXX. Available Balance is : {$330.00}. REPLY STOP TO OPT OUTXXXX! A {$170.00} purchase occurred at XXXX. Available Balance is : {$150.00}. REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$55.00} purchase occurred at XXXX XXXX XXXX 
vailable Balance is : {$97.00}. REPLY STOP TO OPT XXXX! A {$29.00} purchase occurred at XXXX XXXX. 
Available Balance is : {$67.00}. 
REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$34.00} purchase occurred at XXXX. Available Balance is : {$32.00}. REPLY STOP TO OPT OUT
Product: Money transfer, virtual currency, or money service

I am having issues withdrawing my funds of {$25000.00} They first placed standard holds on deposits which was just, however after they placed an extended hold for " fraud protection '' for almost 50 days. When I contacted support they said they would unlock that if I verified my identity. I verified my Identity then after a while the support said yes I'm verified but they can not change the extended hold. 

I am filing this complaint regarding an extended and unjust hold placed on my funds totaling {$25000.00} by Coinbase. I initially understood and complied with the standard hold placed on my deposits for fraud protection. However, after the standard hold was lifted, Coinbase imposed an additional extended hold for nearly 50 days, citing " fraud protection. '' I contacted Coinbase support and was informed that the hold would be lifted if I verified my identity. I promptly verified my identity, yet the hold was not removed. Instead, I was told that despite my verification, the hold could not be altered. 

This extended hold is both unjust and unwarranted. I have repeatedly requested clarification and assistance, only to receive generic responses and no valid reason for why my account is still restricted. The customer support logs show a lack of transparency regarding the reason for the hold, and the process seems arbitrary. Despite multiple verifications and compliance with Coinbase 's procedures, I am still being denied access to my funds. 

The extended hold is severely impacting my ability to access my own money, which is essential for my financial well-being. I am attaching the chat logs from my communications with Coinbase support for your review. It is clear that I have complied with all requirements, yet the hold remains in place for an unjustified reason. 

I am requesting that the CFPB intervene in this matter to ensure that I am granted access to my funds immediately and that Coinbase provides a clear explanation and resolution. 

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

Sincerely, XXXX XXXX
Product: Student loan

I am XXXX XXXX XXXX. Went to XXXXXXXX XXXX  in XXXX Louisiana and XXXX in XXXX. I have been making payments on loan for 25 years at almost XXXX , a month. I should be done paying this loan. I have on numerous occasions called, sent letters on how to stop these payments. I received NO help. Please tell me what I have to do. I am on a fixed income and retired and can not pay XXXX a month any longer
Product: Vehicle loan or lease

Hello, I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX to buy out my lease car and the buy out price they told me was different from what I agreed on the day of lease start date, which is XX/XX/XXXX. 

I have a screenshot of the printout. I was told by the sales person that I get a lease credit of {$7500.00} if I lease the car before I buy out instead of buying at front because of the income cap. So I did as I was told. Then, I told them I want to buy out next day so that I didn't have to pay the extra rent charge. 

They said that I can't buy for next 2 to 3 weeks. After 2 to 3 week, I went to the dealer to pay the buy out amount. Then, they said that I have to pay more now because of the rent charge. It is very fair that they don't let you pay and charge you more. 

The dealer should not advertise lease credit of {$7500.00}, make consumers pay later to charge more rent charges and fees without a notice. It's a fraud and false advertisement. I also have screenshots of the texts I sent to the sale people to let them know that I want to buy out ASAP. Now, the Mercedes-Benz finacial service is asking me to pay more than what I agreed on the lease start date and billing me the rent charge that I was not told when I signed the lease. The dealer said I have to pay more rent charges even if I tried to pay earlier to prevent this charge. 

I told the dealer and financial service that I would like to start the dispute and arbitration process for the discrepancy amount and asking them to release the title, but no response from them until XX/XX/XXXX. 

I have already paid the amount I agreed on the date of lease, which {$75000.00}.

I believe that using the tax credits to advertise cheaper car prices, then making more profits by making consumers pay later and charges more rent charges without a notice seem like treating the consumers unfairly. I feel that what they are doing right now is deceiving the consumers and abusing the tax credits and the system to make more profits for themselves. I would like to request the Bureau to investigate this issue, initiate an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute, or filing an action in federal district court. I hope they stop this practice, and other consumers don't get into the same situation like mine. I hope to hear from the dealer and the financial service soon to resolve this issue.
Product: Credit reporting or other personal consumer reports

I was an account holder of CITI Bank and my account was closed and charged off according to my 2023 credit reported, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Citi multiple times a copy of my 1099C and full accounting according to GAAP using GAAS and I was ignored and denied and to date Citi has not provided me with a copy. I have evidence Citi sold the account and received a letter they were trying to collect a debt for Citi Bank on the account. I vaguely remember this was not the first time a collection agency attempted to collect debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  / XXXX  Balance : {$440.00} Open : XX/XX/23 Account status : Derogatory Collection/ Chargeoff Closed : XX/XX/23 Inaccurate reporting/ unauthorized and unverifiable. This account was opened fraudulently. This account is damaging all three credit reports. This is very overwhelming due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. Virginia XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX Bank XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( XXXX ) guidelines as XXXX states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have not given authorization for these inquiries and firmly suspect them to be fraudulent. I implore you to carry out a comprehensive investigation and swiftly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report i found numerous inquiries which i did not authorize from creditors that i have no relationship at all, i have contacted them and they have all said they do not have any information on my name. i have sent Transunions credit bureau a identity theft report and numerous letter and yet they refuse to remove the inquiries. They have said to contact the creditor which i already have and i told them so, they claim inquiries are only authorized with permissible purpose and yet none of the companies have any permissible purpose to report on my credit. i would like this hard inquiries removed permanently. this is causing financial hardship and hurting my ability to qualify for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I waXXXX XXXX  and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is going on? I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Mortgage

My loan and the escrow account was established XXXX XXXX, 2015. In XXXX I was advised my new escrow payment would be going up to {$470.00} from {$310.00}. They have made several errors even paid my insurance company three times in error. I have asked for an explanation and a compromise, their explanations have been from none to very confusing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Under 15 USC 1666B I DEMAND you to update the payment record in this account. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to whom it may concern, In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Product: Debt or credit management

I dealt with Freedom Debt Relief for almost XXXX years for debt consolidation ( having spent almost {$20000.00}. I was given a notice from XXXX XXXX of garnishment of wages in XX/XX/2024. I rst made them aware of the collection notices XXXX years ago regarding priority debt. I reached out to Freedom Debt several times in the past several months regarding this notice and I was promised they would escalate to address, yet they did nothing to contact the XXXX or even called me back on next steps. 

I was promised at the beginning of this debt program that an attorney will represent me through all aspects while in the program. I need help and do not know what to do next. Of all the money I spent monthly ( {$1400.00} ), only XXXX settlements were made with credit cards ( none paid in full but monthly payments would be made to these cards ) and none of the critical notices such as the one from XXXX XXXX were addressed. I have lost all my money and all the settlements have been voided. I trusted this company and the complete lack of care, response and address of critical notices have lead me to a deeper problem. 

They are quick to withdraw the money from my account and remind me that I have not paid for the past XXXX months but did not provide the professional service owed to me.