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. The lack of accountability and security is concerning and unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Debt Validation and Collection Practices Dear Sir/Madam, I am writing to formally file a complaint against Foster and Monroe  regarding their attempts to collect an old debt that I believe they have failed to validate properly. I am concerned that their actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and wish to seek your assistance in resolving this matter. 

Details of the Complaint : Creditor Information : Foster and Monroe XXXX XXXX XXXX XXXX XXXX  NY XXXX Account Information : Account Number : [ Your Account Number ] Debt Amount : XXXX Nature of the Complaint : Failure to Validate Debt : On approx XX/XX/2024. I requested written validation of the debt, including details on the original creditor and the amount owed. To date, Foster and Monroe have not provided any documentation to substantiate the legitimacy of this debt. 
Right to Sue : Additionally, I have concerns regarding their right to initiate legal action against me for this debt, especially given that it is an old debt. I am unsure whether this debt is still enforceable in my state based on the statute of limitations for debt collection. I live in Arkansas and incurred this debt over 16 years ago while I was still in service. I believe that Foster and Monroe 's lack of communication regarding my validation request indicates a disregard for my rights as a consumer. Their actions have caused me unnecessary distress and confusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and provide guidance on the appropriate steps I can take to protect myself against potential legal action related to this debt. Additionally, I would appreciate any assistance in ensuring that Foster and Monroe comply with the debt validation requirements established by federal law and remove this from all three of my credit files. 

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

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find unauthorized inquiries on my credit report, and I'm at a loss as to why they're there. I check my credit report regularly, but today, out of nowhere, there were discrepancies. Refreshing the browser didn't help, and the inquiries are still there. I urgently need the documents I've sent to be thoroughly reviewed so that I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I assure you that missing payments is rare for me. You can check my payment history to see that Ive always made on-time payments. These loans were discharged due to 100 % XXXX and never went into forbearance.
Product: Payday loan, title loan, personal loan, or advance loan

They advertised through XXXX XXXX website to fund your vacation loan at 15.9 % when you accept the offer and then they attach a hard inquiry on your report they then change that to 35.95 % which is outrageous but you are at a point where you have to accept it since there is not many options after they already tagged your credit report. This is not a truth in lending and they shouldn't be charging an average consumer with a fair to good XXXX XXXX 35.95 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX financial for {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXXXXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX High Credit : {$4000.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7500.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7800.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item asking you to verify as accurate. 
XXXX XXXXXXXX, address XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has allowed my ex-husband to fraudulently report me as a person on his account. I have no access to this XXXX XXXX account and I have NEVER EVER lived at XXXX XXXX in Oklahoma, ever. It is not my account! Even though I have disputed this address as NOT being my own, XXXXXXXX XXXX as well as Experion ignore the facts and continue to let this FRAUDULENT activity with my information continue.
Product: Debt collection

On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.
Product: Debt collection

This company has reported fraudulent inaccurate information on my credit report. I am requesting they provide the purchase agreement to show full ownership of such account and also other additional documents linking me to said " debt '' including all things outlined in this letter. I have attempted disputing through XXXX XXXX however, I am making contact to report that this debt does NOT belong to me. The company pursuing said account is Debt Recovery Solutions.
Product: Debt collection

XXXX. XXXX {$1200.00}. I've received a bill stating I owe this amount. I've sent a validation letter for specific consent information that this is my dept. Like a contractual agreement I made with my hand written signature or what medication that I've received. They didn't send me that. So I sent a second validation letter stating I would take further steps. They sent me a bill from original creditor. I've been in contact with them trying to figure this out. I even reached out to the police department records unit. Which I have the email. Stating that they have no record that this incident happened on those dates. I will attach email. At this moment I'm in conversation with original creditor now to investigate this situation
Product: Mortgage

I 'm filing a complaint against Selene Financial ( SF ) for misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home. As well as SF, has also corrupted our credit score due to misapplication of payment and erroneous reporting based on a falsified transaction history. 
According to SF, my loan is behind for 8 months of payments starting XXXX XXXX, XXXX until present. 
Payments were made as follows : XXXX XXXX, XXXX in the amount of {$1000.00} which covered payments due for XXXX and XXXX. 
XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering XXXX XXXX XXXX, XXXX payment was made in the amount of {$510.00}, covering the XXXX payment. 
All of these payments were accepted by SF and they have refused to apply properly. 
Exhibit " A '' Proof of payments from XXXX through XXXX of XXXX During the time these payments were made SF, would then illegally file a notice of default against my property on XXXX XXXX, XXXX, while my account should technically have been current. 
This is nothing more than a deceptive act of either total negligence or purposely mishandling my loan and abuse on multiple levels. SF, has violated the fair debt collection practices act ( FDCPA ), Real Estate Settlement Procedures Act ( RESPA ), fair trade commission ( FTC ), and the national mortgage settlement ( NMS ) of 2012. As well as SF, has violated Georgia state law foreclosure procedure based on the fact that my loan should not have been in default since the payments clearly had been made. 
Furthermore, prior to SF placing additional legal costs on our loan they made a demand for payment which totaled 3 months in payments by the end of XXXX to avoid acceleration of my loan to foreclosure. Although these amounts alleged by SF, are incorrect we were simply trying to avoid the threats of foreclosure if we did not pay and hoped the accounting research would yield favorable results. 
This demanded payment was made in the amount of {$1500.00}, which was later returned by SF stating that we owed more money than what had been discussed prior to sending the payment. Rather than satisfying our erroneous account balances, SF rejected our payments and moved us one more step toward foreclosure. We contacted SF, and they told us we needed to pay the amount of {$3300.00}, which we paid on XXXX XXXX, XXXX and it was also returned with a letter stating to stop paying on the account and our loan was referred to attorney office XXXX XXXX, on XXXX XXXX, XXXX. 
Exhibit " B '' Demand letters and statements from SF SF, has destroyed our credit and mortgage payment history, our family is prepared to file a civil lawsuit against SF and our investor if these issues and foreclosure actions are not promptly addressed and halted. We are seeking for our loan to be restored to good standing and for all legal fees and late fees to be eliminated. We desire a full investigation into misapplication of payments, intentionally forcing my loan into foreclosure for the purpose of stripping all positive equity from our family home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report from XXXX XXXX/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XXXX  continues to verify this information as accurate. In addition, each month XXXX XXXX  reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.
Product: Debt collection

On around XX/XX/2019, National Credit Adju placed a collection claim on my credit, for an alleged XXXX XXXX bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with National Credit Adju and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the National Credit Adju database and prohibit them from sell this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against both, National Credit Adj for the illegal purchase of this unverified/invalidated collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the XXXX XXXX XXXX XXXX, XXXX USC Sections XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$2000.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$1200.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$3300.00} XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$4100.00} XXXX XXXX-Balance {$2500.00} XXXX XXXX-Balance {$6600.00}
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - BALANCE {$19000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$330000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to a fair credit report that is 100 % accurate and the information being report must be correct. 
In accordance with the Fair Credit Reporting act XXXX the following company has violated my rights. 

Account # XXXX XXXX XXXX XXXXk Account # XXXX XXXX XXXX XXXX FCRA Section 611 ( 15 U.S.C. 1681I ) states inaccurate and non-validated information MUST be deleted from the consumers file in accordance with paragraph ( 5 ) ( A ). 

I come to CFPD as a last resort for help addressing this on going grossly negligent matter. I wrote to the original creditor and all 3 bureaus disputing the accuracy of the improper accounts mentioned above, that is negatively affecting my credit accounts. The accounts are being reported in error. XXXX XXXXXXXX XXXX made an mistake in reporting the account. 

The company and all 3 bureaus named in my complaint claim an investigation verified the debt. Which only matched my name with the accounts above. My dispute is simple. i accept that i was late with my payments and became delinquent due to financial hardship from the effects of XXXX aftermath. However first premier bank emailed me and stated that should i make a payment they would not charge off my account. I made that payment for more than the asking minimum. Then later paid the accounts off in full. I was under the impression the payment would stop my accounts from being charged off. I only discovered the charge-off when i was denied a personal loan. The credit bureaus had the accounts i paid reported as charge off unpaid. After my 3rd dispute the bureaus adjusted the reporting to paid charge off. My complaint is the original creditor misrepresented the facts to the bureaus and continue to provide a false statement. Which the bureaus continue to report inaccurate information. 

The response i received to my complaints from the reporting agencies was to only update the account as " disputed ''. Instead of deleting the inaccurate information. Not once did anyone provide me with anything that proves their claim. To my understanding creditors must provide proof of claim. Nothing provided to me shows the full payments i PAID were not received ( such as a returned check etc ) and therefore the companies would have proved they were not paid and i indeed owe the debt being reported. 

I have included evidence to support my claim. I also included an email that was repeatedly sent to me in error for a person named XXXX XXXX XXXX, an attempt to collect a debt she owed. In spite of me informing the collection company they are sending her collection emails to my personal email account and to correct their records. However they continued to harass me sending multiple emails for the wrong person. I understand errors happen and mistakes can be made, but when errors defamate my credit worthiness, i demand they promptly be corrected. I will continue to dispute this improper reporting until it is deleted.