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

Im writing to publicly express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution adequate investigated my accusations. They informed me that it was impossible to recover lost money and it that it was impossible to follow these transactions. According to the CFPBs findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible and fraud. This lack of openness and accountability is unacceptable and posed major risks to consumer safety.
Product: Student loan

Last year I started at XXXX full time. Through the course of the first term there was a HUGE hacking breach on all my devices. I've tried reaching out to them multiple times to the school regarding it with no rectification. ( mind you they have a government funded hacking program ). Its caused ALOT of XXXXXXXX XXXX as well as XXXXXXXX XXXX problems including being XXXX  numerous times for weeks on end. 
I had to withdraw classes. I did try however to go back in the fall- with the same issue reoccurring. 
As of right now my husband who is a veteran did reach out to an attorney and the XXXX regarding it. 
At this point I think is extremely unfair to demand payment of classes from school who was involved in turmoil to my health. 

Please help.
Product: Other financial service

I had an account with Bill Me Later and PayPal Credit took over my account. They say I owe them money that I do not owe. They even sent statements showing I over paid them {$160.00}, but they say all my debt was not disclosed and I now owe them {$300.00} plus. They added {$100.00} to my account when they took over and late fees because I refuse to pay them. I have never been late, I had XXXX NSF for {$100.00}, when my bank changed my account number due to security. They sent a letter to Bill Me Later who excused the {$25.00} fee and my bank paid the {$100.00}. I need for someone to help with this issue. I do not owe them any money. They say I approved their disclosure but I know when they took over for Bill Me Later, I had to agree in order to view my statement and make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) Acct # : XXXX Please delete and remove this account and investigate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX  XXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the COVID-19 pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the COVID-19 pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
Immediate Action Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Rating : Paid Account Status : Closed Payment Status : Unpaid balance reported as a loss. 
Two-Year Payment History : Charge-offs inaccurately reported for XXXX and XXXX. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XX/XX/year> Collection : 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 Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX  XXXX Employers : XXXX  XXXX  Employers : XXXX XXXX  XXXX
Product: Debt collection

On XXXX XXXX I paid debt to XXXX. On XXXX the XXXX and XXXX, respectively, XXXX hired Diversified Consultants, Inc. and XXXX XXXX , XXXX to collect a debt I have already paid directly to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I notice a derogatory collection account on my report from a company named Radius Global Solution. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.
Product: Consumer Loan

lease vehicle. at the end of lease i decided to buy the car. paid off the amount requested and the company have n't sent me my letter if completion and my updated title to show no liens attached
Product: Mortgage

I was sent a letter on XX/XX/2023 from an attorney stating my loan was delinquent and has been accelerated for entire unpaid balance. I sent a letter back on XX/XX/2023 for validation of amount owed. 

I have not received any validation information back yet as of XX/XX/2023, but keep receiving emails that they are trying to contact me. The amount that is assumed is the amount that would be on time according to my amortization schedule of payments. 
While going through my consumer report I also notice that my interest rate was change. 

Also, I would like a complete refund of my down payment.
Product: Credit card or prepaid card

In approximately XX/XX/2020, I went to the local home depot where I purchased plant seeds for my summer garden. While at the register, I was about to pay in cash when the cashier asked for my Home Depot account information. I informed her that I was paying in cash, however, she insisted that I give her my account number. I paid for the items in cash and exited the store. On my next payment, I found several unauthorized charges and found it strange because I had a nominal balance before my visit to the store. I called Home Depot 's fraud department, whereby they initially removed the charges, only to add them back when they concluded that I lived within a 5 ( five ) mile radius, so the charges must have been incurred by me. Over the next several months, I did authorize some charges, however, the vast amount of those incurred were not done so by me. I informed Home Depot that there is someone within that store that had access to my information that must have been incurring these unauthorized charges on my account, but they never offered any alternative resolution other than to continue to bill and charge me interests on charges that I did not incur. I reached out to Home Depot 's fraud department several times, but they did not seem to investigate this in good faith. I wrote them requesting the records, however, Home Depot did not send any records to me.
Product: Credit reporting or other personal consumer reports

The following accounts and inquires are listed on my credit report inaccurately according to the FCRA these accounts and inquiries must be investigated and removed withing 15 days please investigate the following accounts and please provide the following information the person you spoke with the original credit the original account numbers and any payments made on this account or these DEBT can not be validated the following accounts are lited as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY OTHER ADDRESS SHOULD BE REMOVED
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX ON XX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX attempted to get a loan on my credit file XXXX XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXXL XXXX CXXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not provide me with my free annual credit report. They say my infomration doesnt exist in their database, and ask for me to update my info by faxing, or mailing them my information. I have done both and waited several months and they have done nothing to fix their error. I need your help in intervening and telling them to do their job and help
Product: Debt collection

Someone stole my identity and purchased phones from XXXX. In an out of state store. I have n't been out of state to purchase phones. 
This was a criminal act and I advised them of it. They still want me to report it to the police department. I do n't know when or where my identity was stolen to purchase these phones. If the company even took the chance to check to see if the person was actually me they would n't have sold the phones. They are messing up my credit with a {$1300.00} debt on my credit report.
Product: Credit card or prepaid card

As a loyalty customer, I used Amex card for long years. But I am very disappointed for their service. I got a promotion from Amex it said I can get 25000 points if I upgrade my everyday credit card to a preferred version which I have to pay annual fee instead of the no annual fee version. So I got their 25000 points since I finished their minimum spend requirement and paid for the annual fee. At this XXXX I got another year annual fee Charge. I already paid other credit card annual fee and used most transaction on the other card. So I decide to downgrade my everyday card to a no annual fee version. But at this XXXX I realized my 25000 points has been taken back from Amex . I called them have been told I have to keep 12 months for this card. What? This is very ridicules. When I downgrade. No one told me I have to keep 12 months for this card. I do received their 12 months term after I have been taken back the 25000 points. If anyone remind me I won't need to downgrade this card. I think I earned this points. The points belong to me. And their customer service is very rude. I need my points back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue numerous of times with Experian and XXXX only to be told that they verified the information by computer with the creditor. Experian stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both XXXX and Experian. This account was previously blocked for identity theft but was placed back on my credit report by XXXX and Experian without notifying me in writing that it had done so or as to why. Experian and XXXX have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into XXXX to check dispute information. Experian website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.
Product: Debt collection

Received a call around XX/XX/XXXX/XX/XX/2019 stating Diversified Adjustment Service, Inc was a 3rd party debt collection company attempting to collect {$5000.00} on behalf of XXXX. I advised them that I have never had an account with XXXX. They wanted to me to confirm confidential information, which I refused to do and we hung up. I called XXXX directly to see if XXXX had record of money owed in my name and was told they had no record. I dismissed this as a " scam call '' and thought no more about it. However, upon apply for a debt consolidation loan, was informed that this amount was showing in my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave XXXX, Experian, or XXXX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

Please see the attached. Since I've had so many issues with Edfinancial, I decided to XXXX search them to see if they have had any issues and found the attached civil case against the company. 

So what has happened is I have been trying to get some clarification around my repayment plan ( s ). Why my loans have two different terms. One loan has a 10 year term which will balloon to payments I can't afford. The other has a 25 year. One loan is eligible for the extended fixed but the other one isn't. I was told by one rep that there are 4 repayment plans that I could be on even though I can't see what my options are for each. I was told by another rep that it's only 2 plans that I'm eligible for. 
How am I supposed to move forward without all of my options? I feel like they are trying to mislead me into making these payments with these terms like I have no options. Now the first payment is due in two weeks and I still don't know anything. 

I have called at least XXXX times since XXXX to get clarification around my repayment plan ( s ). The wait times are ridiculous giving you wait times of 10 hours which they give you in minutes ( 600 minutes ). So you more than likely will have to receive a callback. Sometimes I would get a callback and sometimes I wouldn't. I get the callback only to find out the representative can't answer my question or help me and need to escalate. Never get a callback. I eventually asked to have a supervisor call me back. The first supervisor I spoke to said she would have my account corrected and updated. I checked my account on the website after 10 business days like I was told.The update never happened and it was supposedly submitted as an emergency. I called on Wednesday after being on hold for 2 1/2 hours and asked to speak speak to another supervisor. I got a phone call back from another rep who didn't provide me any more help so I said I will wait for the ( 2nd ) supervisor to call me back and I was unable to answer. That brings me to today, called again and was told by the rep that the supervisor made notes about me asking about why my payment amount increased. I said that I never asked about that and I wanted to talk to a supervisor. She wanted to give me the same song and dance about a supervisor calling me back and I refused. She said she couldn't which I know is not true because I've dealt with these situations and I feel like since they knew that there was no way I could go any further, she eventually hung up on me. Her name was XXXX. So here we are. 

This is a condensed version.
Product: Credit reporting or other personal consumer reports

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinserting previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report :
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being XXXX  days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being. 

The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship.

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX  failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Product: Debt collection

On XX/XX/2022, my wife and I opened an account with XXXX XXXX XXXX. However, 2 days later, we canceled in person but were told to call XXXX XXXX XXXX 's customer service department to cancel. We called XXXX XXXX XXXX customer service dozens of times attempting to cancel the service but representatives did not cancel the service. A month later, we started receiving bills for service never used and tried to cancel. XXXX XXXX XXXX refused to disconnect the service inspite of our best attempts. XXXX XXXX XXXX 's return policy clearly states that we have 7-14 days to return merchandise and cancel service. XXXX XXXX XXXX has not honored it's own return policies here. 

On XX/XX/2022, we sent our devices directly back to XXXX XXXX XXXX to their Return Center in XXXX XXXX, Texas. In response, XXXX XXXX XXXX claimed that we never canceled our service and sent this unjustified bill to dozens of creditors, destroying my credit. Every time I disputed the debt the creditor simply sent the account to a different creditor. One creditor, called XXXX, even dismissed the debt in writing, only for another creditor, Sunrise Credit Service, to send it directly to the 3 credit bureaus as a delinquent account without even contacting me. Sunrise Credit Service has sent me nothing in writing and has made no attempt to contact me. 

XXXX, one of many debt collectors, even dismissed the debt in XX/XX/2022. Sunrise Credit Services has chosen to ignore XXXX 's dismissal and continued to pursue this debt illegally.