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

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient action to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed 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 deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was in process of refinancing my current home mortgage loan. XXXX XXXX  was aware and got angry I was refinancing. The new mortgage company was XXXX XXXX XXXX XXXX   and they started they were going to assist the mortgage payment and failed to do so. I then contacted XXXX XXXX  to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XXXX payment XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. XXXX XXXX refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. XXXX is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.
Product: Vehicle loan or lease

There is NO CONTRACT AND I WANT THIS DISCHARGED OFF MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. and according to the 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY EXPERIAN CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit profile and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the fair credit reporting act, XXXX  account number XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX has violated my rights 15USC 1681 602 A states i have the right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Fruad accounts on my credit report. I have attached a FTC report and my current lease with my address attached. 1. XXXX XXXX {$2000.00} XX/XX/XXXX 2. 1. XXXX XXXX {$1400.00} XX/XX/XXXX
Product: Debt collection

This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement and other relevant documents to verify full ownership of the account. I need to review these documents to determine whether the account actually belongs to me. As of now, I have not received the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax, who does not actually investigate my disputes. I know this is a clear violation of the FCRA. The inaccurate entries on my credit report have remained, having a detrimental effect on my ability to obtain credit. I have called to inquire as to why the investigation has taken significantly longer than 60 days ; however, I am transferred multiple times, and eventually disconnected.
Product: Credit card or prepaid card

I have a Harbor Freight credit card or should I say " had '', I pay off my balance every month, never missed a payment, I had a {$500.00} credit limit of which I had a XXXX balance, I get an email a couple weeks ago from synchrony saying there closing my account randomly, I didn't know that was possible, so in confusion I called synchrony to make sure I hadn't been hacked and the supervisor was very argumentative, I which I would have gotten her name, anyway there was no reason to close my account, shame on you synchrony.
Product: Credit reporting

I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too.
Product: Debt collection

C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear C/O RESURGENT CAPITAL SERVICES, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response
Product: Money transfer, virtual currency, or money service

Cash app closed my account and took my money with no explanation I couldnt speak to a live representative
Product: Checking or savings account

I received an email from " XXXX XXXX '' who requested a logo design from me. I charged him {$500.00} for my service and he wanted to send me a mobile check for payment through email. He sent me a check of {$1300.00} and said that I keep {$280.00} as down payment, while I send the remaining {$1000.00} to the " printing representative '' through XXXX. He called me 5 times on Wednesday XX/XX/XXXX to make sure I received his check through email. He called me XXXX  times again on Thursday XX/XX/XXXX to make sure I send the " printing representative '' the {$1000.00} through XXXX. He wanted me to send screenshots of all the confirmation pages that I deposited the check and sent the money through XXXX. I deposited the check, sent {$1000.00} to " XXXX XXXX '' through XXXX, then found that the check was rejected. The scammer took {$1000.00} from me and I am in extreme debt. It is now Sunday XX/XX/XXXX and I received another email from XXXX with the email subject line " Birthday Invitation Designer / Service Needed. '' I believe this is the same scammer from the first email. I don't know who he is, because he used multiple names : XXXX XXXX, XXXX XXXX XXXX on the mobile check ), XXXX XXXX ( printer lady ), and XXXX XXXX. Here is XXXX of the emails he sent me in our first conversation : Email subject line : Payment for the project XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XXXX  days ago ) to me Hello, Please find the PDF file as a copy of the payment check. Proceed to the deposit process and get back to me with confirmation once it's completed. NOTE : I prepared a payment check of {$1300.00} in total and below is the breakdown of funds ; * {$250.00} as a deposit for the project. * {$30.00} bonus for you. * {$1000.00} for the printer lady. Download the check file and open the images on your computer. After which you will carefully capture the XXXX Edges of the check using the Mobile check deposit option on your Mobile Banking App, and the payment will be processed automatically. Kindly share the screenshot image of the deposit confirmation page once completed. Regards, XXXX
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 nameXXXX Account name XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXAccount name : XXXX Account name XXXX XXXX XXXXAccount name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account name : has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

update all current account as PAANL ( PAID AS AGREED NEVER LATE ) status to 15 USC 1681 ( b ) Permissible Purpose. In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to which one we relate.

15 USC 1681 A4 speaks on a consumers rights and privacy. 15 USC 1692 speaks further on the consumer 's right individual privacy. According to The Privacy Act, you have violated my right to privacy under the FCRA and the FDCPA.

15 USC 1692D harassment or abuse of the advertisement of any debt to coerced payment. Your offenses Amount to aggravated identity theft, pursuant 18 USC 1028 A and 15 USC 1681 q.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, Equifax and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/21, and XXXX XXXX XXXX XX/XX/21
Product: Debt collection

I am writing to file a complaint against Mid Atlantic Finance Company for their failure to properly validate a debt and their refusal to refund payments made to an account that has been charged off. 

On XX/XX/2022, I sent a debt validation letter to Mid Atlantic Finance Company, requesting validation of an alleged debt and proof of my legal obligation to pay it. In response, I received only a statement showing that I paid {$3000.00} to the account. And a copy of a Retail Installment Contract and Security Agreement never evidence of a debt. 

Given that the account has been charged off, I believe that there is no further obligation for me to make payments to this account. However, Mid Atlantic Finance Company has refused to refund payments made to this account, totaling {$3000.00}, despite my repeated requests to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.
Product: Credit reporting or other personal consumer reports

I applied to expand my real estate license into other territories, which required my credit to be run. I was denied the opportunity to expand into other markets due to negative credit reporting. When I checked my credit I saw several accounts that I did not apply for ( XXXX American Express accounts, XXXX XXXX, XXXX XXXX accounts, and XXXX XXXX ). I was unaware that American Express filed a judgment against me, as I did not receive any correspondence for the account reported on my credit report.They then sent me a copy of the judgment that was filed. I contacted American Express and told them that the address that was listed on the judgment was not my address and had never been an address I was associated with, they told me it didn't matter. I recently mailed them letters stating that the account was not initiated by me. I am attempting to dispute the other accounts that were opened in my name as well and they are making it challenging for me. I need the accounts that I did not open to be removed from my consumer report so that I may further my career. In XXXX  I lost my wallet which contained all of my personal info, and I was also unfortunately the victim of a XXXX XXXX  data breach. All of the companies listed above refuse to provide me with the requested information I asked for ( such as tax form 1099-C, accounting pursuant to UCC 9-210 XXXX how my information was obtained according to the banking secrecy act and the original contract ) which is my right as a consumer to ask for. They refuse to remove the misreporting off of my consumer file even though it's fraud. Also, I noticed on my consumer credit report that the reporting is inconsistent. Some years are reporting ND while previous years and years after the ND are reporting XXXX. The updated status and status dates don't match, XXXX and XXXX reports don't match. There are also several addresses that never belong to me listed on my consumer file. The alleged creditors are using some of the invalid addresses as verification and validation. I have sent copies of identity theft reports to them as well and yet they are disregarded. This situation is really hindering my livelihood as I am not able to get my real estate licenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus update the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate correction of the following accounts completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent