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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  I want these accounts removed from report no more reporting
Product: Debt collection

Ive contacted I.C. Systems several times asking for debt validation and other remedies yet i've never received any response nor notification. I.C. Systems is in violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', as well as many other violation under the Fair Collections Practice Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Unknown Account Number : XXXX and list of Inquiries 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes.particularly in light of the recent CFPB lawsuit highlighting significant issues with 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 infeasible.The CFPBS 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 consumers safety.
Product: Debt collection

On XX/XX/20 I sent NCB management a letter, asking them to validate the date, which they are required to do, when asked, as part of the provisions of the Fair Debt Collection Practices Act, which they failed to do. I sent them a 2nd letter on XX/XX/20 that since they failed to validate the debt, that they were required by the FACT act Section 312, to remove the collection account from all 3 of the credit reporting agencies, which they failed to do. I sent them a 3rd letter on XX/XX/20 reminding them that they have yet to validate the debt, or remove it from my reports, and that if they didn't, then I would be taking legal action. With all 3 letters they gave the same response of, " they received my dispute, and after conducting an investigation, they were unable to substantiate the allegations of my dispute ''. I'm attaching all 3 letters that I sent, as well as the last copy of the letter they sent ( all 3 letters they sent, said the same thing ). The debt in question is a collection account, with the original creditor being XXXX XXXX, for a charged off auto loan, in the amount of {$10000.00}. XXXX XXXX is in the middle of a class action lawsuit for thier business practices, and NCB is supposed to no longer be allowed to collect on the account.
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I applied for a {$12000.00} loan through Lending Club. On XX/XX/2018 I received a disbursement in the amount of {$11000.00}. Come to find out they have an origination fee of 6 % of the loan amount they deducted from my disbursement. That comes to a fee of {$720.00}. It wasn't until I received the disbursement that I learned of this fee. I am sure they have this spelled out on their website, but there was no notification of this fee when I applied for it.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against CAINE & WEINER for multiple violations of federal law concerning my rights as a consumer. The collection agency has engaged in conduct that disregards the provisions of several laws, which I will outline below : Failure to Provide Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), CAINE & WEINER is required to provide validation information concerning the alleged debt. Despite this obligation, they have failed to provide any such information, yet have furnished the alleged debt to consumer reporting agencies, negatively affecting my credit report.

Denial of Dispute Opportunity According to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), I have a right to dispute the alleged debt. However, CAINE & WEINER has not provided me with the necessary disclosures or afforded me the opportunity to exercise my right to dispute the debt.

False, Misleading, and Deceptive Practices CAINE & WEINER is in violation of my consumer rights by employing false, misleading, and deceptive means in their attempt to collect the alleged debt, which is a clear contravention of 12 CFR 1006.34 ( d ).

Violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), furnishers of information to consumer reporting agencies must ensure the accuracy and validity of the information they report. By failing to provide the necessary disclosures and debt validation, CAINE & WEINER is acting in clear violation of this requirement.

My Requests and Disputes Dispute of Debt : I am disputing any and all debts that CAINE & WEINER claims I owe.

Revocation of Communication Rights : I am revoking all rights of communication with me through email, text, phone calls, or any other electronic means. All future communications must be in writing via postal mail only. 
Request for Validation : I formally request that CAINE & WEINER provide debt validation, including : A copy of the purchase agreement between CAINE & WEINER and the original creditor. 
Proof that CAINE & WEINER is licensed and bonded to collect debts in my state. 
Failure to comply with these requests will further establish their non-compliance with applicable laws and my consumer rights. 

I request the CFPB to investigate this matter thoroughly and hold CAINE & WEINER accountable for their actions. Additionally, I request the removal of the collection account from my consumer report until proper validation is provided. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX  is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to XXXX USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ). 

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX  15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed information reported on my credit report is reporting incorrect information in regards to my credit report.
Product: Credit card or prepaid card

We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.
Product: Mortgage

To whom it may concern, I am in the process of selling my house and I have a settlement tomorrow XX/XX/21. There are 2 open HELOCS on the property which belong to the prior owner from 17 years ago. The title company XXXX and I have been trying to reach the lien release department at PenFed for the past 4 weeks in order to get letters of satisfaction issued in order to proceed to settlement. We have not heard from them and they do not respond to calls or emails. If these letters are not received in time for settlement, I will not be able to close on the property and I will be in default. I will also incur the cost of another mortgage and miss the payments for my credit cards. The reason for the sale is that I have been unemployed since the start of Covid and I was planning to use the proceeds from the sale to pay off my debt which is piling up. This matter is urgent and I would appreciate it if you could look into this promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX  XXXX  - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an invalidated debt on my Transunion credit report from the credit reporting agency, XXXX XXXX. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 items 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 XXXXXXXX, GA XXXX, XXXX XXXX XXXX Balance : {$600.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX, XXXX This account was never paid late, incorrect reporting this violates FCRA RULE 611
Product: Credit reporting or other personal consumer reports

requesting for my free credit report for my employer need it eminently from my all 3 credit bureau.XXXX  and XXXX send it to me as soon as i requested but experian after many security questions i answered correctly did not send it to me and asked me to wait for 15 days to mail it for me
Product: Mortgage

For the past year or more I have been attempting to get my mortgage company to change their website system to make it easier to understand and use. No results! Among other issues : unlike my credit card websites that do not process a payment without first showing the amount and source from which the funds will be taken- which allows you to change banks among the drop down list- Quicken loans/Rocket Mortgage has a preset bank and DOES NOT allow you to confirm before hitting the submit button. And their website doesn't explain what " escrow balance '' implies and I had to ask someone to explain what it indicates. Plus a chat agent told me she was unable to see my loan information - meaning she was of no help and their phone system is so complicated with 15 different options that only add to the problem
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX and TransUnion, I am writing to dispute and request the removal of an account that has appeared on my credit report, which was reported by XXXX XXXX. After thorough investigation, I have determined that I neither opened nor possess any account with XXXX XXXX. 

The presence of this account on my credit report is not only inaccurate but also constitutes a violation of my rights. Despite my repeated attempts to resolve this matter with XXXX XXXX, they have failed to provide me with any contractual agreement or substantiating evidence to validate the existence of this account. 

I am formally requesting that XXXX and TransUnion remove this fraudulent account from my credit report immediately. It is imperative that my credit history accurately reflects my financial standing, and the inclusion of erroneous information by XXXX XXXX is unacceptable. 

I kindly urge XXXX and TransUnion to conduct a thorough investigation into this matter and take prompt action to rectify the inaccuracies in my credit report. Your assistance in resolving this issue promptly would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Mortgage

The last 12 months, since XX/XX/XXXX to XX/XX/XXXX of my mortgage payments, no match with the Loan History report on same dates. 

Payments sent 12 by {$790.00} each, total {$9500.00} VS. 
The Loan History reported by 12 months, between the balance of XX/XX/XXXX ( {$59000.00} ) to the balance of XX/XX/XXXX ( {$51000.00} ) the amount of {$7400.00} Then, there is a amount of {$2000.00} no accounted. 

The company involve in this complaint is Sortis Financial/ClearSpring ( Phone, XXXX ) XXXX XXXX XXXX Mortgage, loan account XXXX XXXX Note : for this inconvenience i think that my Loan History have several mistakes. Moreover, i had many payments problems with this company. This Server transferred me to XXXX XXXX XXXX on two dates XX/XX/XXXX and XX/XX/XXXX, and the transference is not finishing so far XX/XX/XXXX. 
Consequently, I behind of my payments since XXXX. 

I tried to fix my problem by phone with XXXX XXXX and XXXX XXXX XXXX without success.
Product: Mortgage

On XX/XX/2020, Truist Bank sent a check to XXXX XXXX insurance company for {$1200.00} out of my mortgage escrow account to pay my annual hazard insurance policy premium on my home. On XX/XX/2020 Truist Bank sent another check to XXXX XXXX insurance company for {$1200.00} to pay my hazard insurance premium again, this was a duplicate payment in error and should not have occurred. I noticed the error on XX/XX/2020 as I thought it was odd to received a second email alert for another insurance payment coming out of my escrow account. I called the Truist Bank insurance department on XX/XX/2020 to report the 2nd payment and notify the bank of the error. I requested the duplicate funds to be returned to my escrow account. Every week since XX/XX/2020, I have called the Truist Bank insurance department asking for updates and as to why the duplicate {$1200.00} has not been returned to my account. I have been told different things by every person I have spoken to in the insurance department and some of the staff has even admitted to me after reading the notes that I have been told different things. For example, I was initially told a stop payment was placed on the first check and even was on a three-way call with XXXX XXXX XXXX and the Truist Insurance department. XXXX XXXX claimed they did not receive a second insurance payment! I have requested the bank do research and supposedly accounting requests have been completed. Now the bank claims both {$1200.00} checks have been cashed by XXXX XXXX. On XX/XX/2020 I was willing to talk to XXXX XXXX XXXX on a three-way call with the representative named XXXX from Truist Bank insurance deparment and XXXX told me the XXXX XXXX XXXX wait time of 18 minutes was too long for her to wait in a call center. Well, that is about how long we waited for the three way call back in XXXX. I have spoken to my XXXX XXXX agent, XXXX XXXX in XXXX, GA and she has notes from two different Truist Bank representatives calling her in XX/XX/2020. XXXX told Truist reps both times that only one payment has been received from XXXX XXXX and one rep from Truist even apologized and said she now sees where the bank canceled the check! This issue has caused me a significant hardship and cost me a lot of time calling every week since XX/XX/2020. Please demand that Truist Bank return the {$1200.00} duplicate payment that they lost somehow and ascertain my escrow payment is recalculated properly next year as it is not my fault the escrow account balance has been in the negative. The insurance department representatives at Truist Bank have failed me as a vigilant, well educated consumer who has made every attempt to help them correct their error. It is absolutely shameful to treat a loyal, paying customer this way. Please have my {$1200.00} returned to my escrow account ASAP and end this frustration. Thank you.
Product: Money transfer, virtual currency, or money service

I was scammed from a user on this platform and when I notified the company not only did they not give my money back, they didnt even do an investigation
Product: Mortgage

I have made a complaint on XX/XX/XXXX, XX/XX/2022 XXXX XXXX from freedom mortgage had replied. He had stated he was going to lower my interest rate due to the delayed to 3.5 %. I was supposed to receive additional documents to sign in the mail within two weeks I have yet to receive additional documents I've sent this information to last mitigation via email twice I have called and spoke to numerous associates at freedom mortgage and no one can seem to help me or knows what's going on in regards to this issue. This is in reference to complaint number XXXX. I have no way of getting in contact with XXXX XXXX. If I could get a email for XXXX XXXX or someone from Freedom Mortgage to assist with XXXX XXXX solution would be greatly appreciated. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have not reported the right info. Was in a law suit took all our money. High interest loan when I had a good credit score. They told me this was the only loan for me?
Product: Credit card or prepaid card

I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following are inaccurate : Inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$910.00} Account Name : XXXX Account Number : XXXX Balance : {$5600.00}