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

Square pocketed XXXX from my business account and never returned my money back to me there was no reason for them to keep it. i have already liened Square for 1,000.00 Square resulations team say the refund would take up to 7-10 business days and i never resieved it back from them my orgional address that i used from them with this account was XXXX I never got the money back from them, this is fraud 100 percent they have a history of doing this to customers.
Product: Debt collection

I attempted to dispute this case through transunion. transunion denied my dispute. dispute file number XXXX filed on XXXX 

I even eached out to XXXX  to dispute this because they marked my account previously as a charge off but had never sent any correspondence relating to this or the account closer. im requesting this to be removed from my consumer account due to the company not following Fair Credit best practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent written communication to Macys/Dsnb dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Macys/Dsnb dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Macys/Dsnb sent me a letter stating that the information appearing on my credit report was correct. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Macys/Dsnb communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Macys/Dsnb t to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account.  Macys/Dsnb provided none of the above. Macys/Dsnb continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Macys/Dsnb has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Macys/Dsnb dated XX/XX/2020, requesting the same information with same results dated XX/XX/2020. The above illegalities were committed via USPS mail.
Product: Student loan

I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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. 

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. 

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

XXXX ; XXXX  and Transunion should not be reporting a current balance of {$900.00} as well as ( 120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of my disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX XXXX, XXXX ) and Zelle failed to investigate my claims adequately. The fore mentioned parties informed me that recovery of 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 like myself vulnerable to scams. This lack gross lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, 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
Product: Debt collection

the company said I ordered clothes from them, I am XXXX years old and these clothes are women 's clothes, I did not order anything from these people. I do not ware woman 's clothes. I have contacted them many times, but they say I owe them {$230.00} on one account that is country door from XX/XX/2015. and another account called XXXX for {$250.00} from XX/XX/2015 .I asked them to prove I signed anything or signed anything .they cant or do not send me anything. both of these company 's share the same address of XXXX XXXX. XXXX XXXX, WI, XXXX thank you in advance for helping me. I have never received any thing from these company 's.
Product: Checking or savings account

I have an account with this bank and have managed to maintained it pretty well. I have managed to have no nsf 's. Up until recently when they added 2 nsf 's that were not my fault. I was educated that 1 was because I attempted to take out the entire amount in my account and upon me calling them they stated they would have charged me an additional {$10.00}, which caused it to be a nsf. Again that is not my fault as I was not educated there would be a {$10.00} fee for taking out the funds. Then the second time it was so that funds could be pulled from ally to my second account and it was returned as a nsf. These to incidents keeps me from qualifying for the overnight funds transfer. If you are able to investigate into this issue so that I could qualify then that would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I've asked this company to remove this account from credit before and they fail to do so. As a consumer they are violating my rights a consumer. I never signed a agreement with XXXX. Please provide wet signature where I signed an agreement with XXXX. I only signed an agreement with the apartment complex not XXXX. XXXX XXXX XXXX  is violating my rights as a consumer. Please send all Original Account -Level documentation ( OALD ) Also send when the account was bought and also send proof of title and ownership that National XXXX XXXX owns this account and how much they purchased this account. XXXX XXXX XXXX have 30 days to provide me with all the information I am requesting. After I receive the information I am requesting I will be going to XXXX XXXX courts. I never signed an agreement with XXXX at all. 15 USC 1681 states written permission has to be given for an account to report on an individual credit report. I did not give written consent for XXXX XXXX to report anything on my credit file. Please remove account immediately.
Product: Mortgage

Greetings, Our loan service company for our 1st and a previous 2nd mortgage is Owcen. We filed a Chapter XXXX Bankruptcy in XXXX of XXXX. The past due amount on our 1st mortgage ( about {$33000.00} ) and the full balance of our 2nd mortgage ( about {$72000.00} ) were included in the Chapter XXXX filing. Our attorney advised us that the 2nd mortgage balance would be " stripped '' once we were discharged from the plan since there was no equity that Ocwen could be paid making the 2nd mortgage unsecured. We were successfully discharged from the plan in XXXX. We were therefore not liable for paying the balance of the second mortgage. Ocwen sent us a form XXXX for the 2nd mortgage balance ( ( {$66000.00} ). The reason code they used was XXXX in box XXXX on the form which is their " identifiable event code ''. This seems to indicate that they just decided not to continue collection. There is a code " XXXX '' that they could use which denotes the cancellation of debt was due to a bankruptcy. I called their ombudsman office and they explained that they could not rescind the form. That 's ok with us but we feel that they should correct the form with code " XXXX '' in box XXXX of the form since the balance of the second mortgage was discharged due to bankruptcy. I prepared our taxes for XXXX and this form XXXX increased our taxes owed by {$27000.00}. We feel this is unfair since we successfully completed the plan and the IRS makes provisions via form XXXX for this circumstance. If Ocwen will make this minor modification to change the code in box XXXX of their XXXX to " XXXX '' and send us an corrected copy, then we should be fine. We really need some assistance to make sure that this is accurately reflected so we can file our taxes for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were never consent for the number of inquiries on my credit report
Product: Debt collection

Debt collections due to purchase for home products, company states my email and phone number are correct and payments have been made therefore its a credible account. I filed affidavits and reports for identity fraud, supplied bank account statements per their request, have filed numerous requests to investigate and have been told its a valid account. When asked to verify where payments were from or original paperwork- could not show any proof. Just valid due to phone number, email address and a call from me in the past. Now I have a court summons that I responded to with all paperwork requested. I stated this was fraud and now the response was there was no denial in the debt- all lines in my response state that the debt is due to fraud.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 an 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - 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 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 XXXX  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit card

Credit Card through US Bank was used to purchase a service from XXXX ( Online ) but the transaction was paid for using XXXX  ( installment agreement service ). The total amount was {$370.00} and the down payment of {$93.00} was required in order to complete the transaction. The remaining balance {$280.00} was then agreed to be paid for using XXXX in the subsequent XXXX months. That is, the {$93.00} down payment was paid to XXXX  using US Bank Credit Card and XXXX paid the whole transaction of {$370.00} to XXXX. Less than XXXX hours later, the whole transaction has been cancelled with XXXX and receipt for cancellation and complete refund has been provided. Days have passed and noticed the charge of {$93.00} from XXXX ( down payment using US Bank Credit Card ) has not been rescinded from the Statement. We reached out to XXXX  and was guaranteed that they may take about XXXX days for the charge to be completely removed from the account since it was refunded by XXXX and they do confirm and validate the cancellation of the transaction. Days later, the transaction was removed from XXXX 's Past Transactions, similar to what were informed with. However, the charge with US Bank is still shown on the Statement. A whole month has passed and the Statement Balance was paid with US Bank, including the {$93.00} charge that was supposed to be returned since the original merchant refunded the purchase. Multiple calls have been completed with US Bank regarding the charge, we have spoken with the XXXX XXXX  and currently speaking with the XXXX XXXX Supervisor to no avail. US Bank states -- XXXX sent them a letter saying they are unable to refund the transaction per the Terms Agreed upon. We requested for the same copy they received ( about last month ) and still have not received said copy of Terms. We have offered to do a XXXX XXXX call with US Bank and XXXX, so XXXX  can verify and confirm what we have been telling US Bank that XXXX  has refunded the purchase and closed the transaction, but US Bank remains unwilling to participate. We have spoken as well with XXXX  XXXX, XXXX, who was asking for the confirmation of refund from XXXX  -- and that was faxed over as well, but US Bank is still standing their ground in saying the information we provided ( the official refund receipt of transaction from XXXX  's main website does not suffice ), thus they are still unwilling to process the refund. We need assistance in resolving this dispute with US Bank. We have been compliant in anything and everything they have asked for as proof of the refund, yet US Bank has been prolonging the ordeal and has only been incongruent and vague about the whole refund process. The refund has been cleared, completed, and validated by XXXX and XXXX, however US Bank holding on to {$93.00} payment and is stating the refund was not issued.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - I received a notification for a hard inquiry on my report. Immediately, I contacted all three credit bureaus to inform them that I did not submit a credit application and would like to file a dispute. They confirmed with me that the hard inquiry was from XXXX XXXX, and told me that I should call the creditor directly. Before reaching out to the creditor, I asked if there was any additional information needed from me to expedite the process, though I had no information/details on my end. I was assured that once I contact the creditor, they will then inform the XXXX credit bureaus that I was not the person who submitted the application. 

When I contacted the XXXX XXXX they confirmed that there was a credit application submitted in my name with a XXXX XXXX address attached to it. I told the representative that I have been living in XXXX, XXXX  for almost XXXX  years. Then, I was told that the creditor would reach out to the credit bureaus to inform them of the error and that it should be resolved within XXXX - XXXX  days. 

After the XXXX  day mark, I reach out to all entities to follow-up on the status of my dispute and was told to wait the full XXXX  days. Soon after, the hard inquiry dropped off of all reports except Transunion. 

I reached out on XX/XX/XXXX to get an update on my dispute ( Case # XXXX File # XXXX ) because the hard inquiry was still on my Transunion report. Unfortunately, I was told that my case was not being resolved between the credit and Transunion, and I needed to submit FTC report to resolve the issue.
Product: Student loan

I applied for the SAVE plan at the end of XXXX. Nelnet has been processing the application since then. They have taken so long that I am now forced to make payments I wouldn't have to make under the SAVE plan, and I am being charged interest that I would not be charged under the SAVE plan. 

Nelnet failed to notify me via email or letter that they require a {$5.00} mandatory payment to switch my student loans from IDR to the SAVE plan. Nelnet has not communicated anything to me regarding the status of my application the entire time it has been processing.

I waited three hours on hold to talk to an agent today who just told me that they forgot to send the email and that he would request they send it to me. I need a special link in the email in order to pay the {$5.00} so I can be put on the SAVE plan. Nelnet will not accept this payment over the phone and there is no way to do it over their website. Consumers need the special link, which is in the email that they don't send out. So my bank account continues to be held hostage while they take weeks upon weeks to process my application, and then fail to notify me when they need something despite my online account telling me to " refer to the letter or email we sent you ''. There is no letter, there is no email. It was never sent. How am I supposed to respond to something that they never sent? 

The only way to contact Nelnet is via phone, because they do not respond to emails. If you want to talk to an agent, you have to wait three to four hours. People have to literally take time off of work and lose money just to talk to an agent about the accounts that Nelnet messed up in the first place.
Product: Money transfer, virtual currency, or money service

I am writing because I have concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting the 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 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. This lacks accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )