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 the 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 the tracking od the transactions was unfeasible. The CFPB '' XXXX indicate that Zelle has not only neglected to protect consumers but 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 and consumer safety.
Product: Debt collection

Convergent XXXX keeps harrassment efforts on over a debt that is 10 years old after repeated demands that they cease and desist.
Product: Debt collection

The company Dynamic Recovery Solutions added a {$330.00} debt to my credit report on XX/XX/2021 from XXXX i don't have any back up to where this came from, how they got my social and my information. never gotten phone calls or bills for this. i contacted the medical provider ( XXXX XXXX XXXX XXXX ) that " supposedly '' had sent this debt to collections and they told me i didn't owe them or that they didn't send anything to collection because my account was at XXXX and also that they do not deal with this collection agency. i tried to contact the collection agency at XXXX, their address XXXX XXXX XXXX XXXX  XXXX, sc XXXX i left a review on their company as well, they are very rude unprofessional and i was hung on up multiple times. i would also like to know how they got my social security because i never got phone calls, letter or anything regarding this company or bill. my next step is to go to the police department and file a police report because to me these people stole my information and are trying to pin a bill on me that DOES NOT BELONG TO ME.
Product: Debt collection

This is a account with XXXX XXXX that they closed on me. I was not at my limit and they closed the account. Any derogatory reporting to credit bureaus should be deleted immediately. I didnt close the account. Any unpaid debt or late payments being reported should go back to the creditor due to closing my account. This action needs to be updated and reported to all bureaus immediately for deletion.
Product: Credit reporting or other personal consumer reports

I received a credit card application from XXXX, XXXX, XXXX, XXXX and Capital One in the mail dated XX/XX/XXXX and XX/XX/XXXX. They have all been declined. They alll have the same name and my address on them. 

XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Capital One : Application ID XXXX XXXX : Application ID XXXX XXXX : Application ID XXXXXXXX XXXX  : Reference Number : XXXXXXXX XXXX  : Application ID XXXX Application ID XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX service Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Student loan

They called me telling me that I was probably eligible for a student loan forgiveness program based on my income. They asked me to give them my yearly salary to see if I qualified, so I did and they accepted me. They said I would have to pay {$340.00} a month for the first six months and then after that it would go down to {$320.00} per month. This was a lot better than the {$680.00} I was supposed to pay a month with XXXX XXXX so I agreed. They asked for a letter from my boss to verify that the information I was saying was correct. I did all of that and I actually received a letter from XXXX XXXX saying my student loans had been consolidated and that I was approved for the Income-Driven Repayment ( XXXX ) Plan so it seemed legit. I have been paying them {$340.00} a month since the XXXX XXXX which adds up to {$2000.00}. On XXXX this payment went down to {$59.00}, which I thought was weird since they had told me it would be {$320.00} a month after six months. So in total they have taken {$2100.00} from my account. Today, when I was getting my documents ready today for taxes I logged in to XXXX XXXX to print my tax form and realized that I still owed the full amount- I called them and they said I was most likely scammed since they haven't received any money from me and gave me this website. 


In the documents I am attaching you can see you I have been charged {$340.00} every month of the XXXX of the month ( I only provided my bank statement from XXXX -but happy to provide more documentation showing I have been charged this amount since XX/XX/2021. )
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

To whom it may concern, I have started disputing items on my credit profile that all are primarily related. The first item that was disputed connects with all of the alike charges from the same XXXX XXXX consultants. The first dispute had judgments rendered in my favor but the second was decided in the favor of the creditor. These charges stated previouslyshould have been paid through insurance due to the fact that I had medical insurance and also the fact that after settlement with the liable auto insurance, my attorneypaid my medical bills and took theirportion of what was agreedupon before I could get my compensation. Thus the bills pertaining to CMRE Financial services are not legit. Many of these charges seem as if they may be duplicates or manipulated due to the large of owed amounts and repetitious amounts allegedly owed. I haven't recieved mail stating that I owe this company and when asked they wouldn't provide dates when I used their service. Their are at minimum 14 accounts that they claim that I owe. I would like proof of their legitimacy and what information is required to disprove theirallegations. Thanks in advance!
Product: Mortgage

Bank of America, after more than 1 year of requesting and re-requesting documentation, stated I did not qualify for a modification loan. The reason they stated was debt to income ratio, that I made to much. However, XXXX other banks stated my income was not enough to get a new loan. Therefore, how can Bank of America state I make to much income while all other banks state I do not make enough? This complaint is inline with the lawsuit file against Bank of America for paying cash bonuses to their loan officers for denying loans to qualified borrowers. 
( go to web site or read excerpt below ) XXXX. 

This is an excerpt from the law suit : " Bank of America routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure, according to affidavits filed last week in a Massachusetts lawsuit. " We were told to lie to customers, '' said XXXX XXXX, who worked in the bank 's loss mitigation department until XXXX 2012. " Site leaders regularly told us that the more we delayed the HAMP [ loan ] modification process, the more fees Bank of America would collect ... ... .... '' Bank of America has not offered me any other alternatives. There underwriting department is in disarray. I '' ve read XXXX other complaints online that back this up. 

My loan amount has now tripled. BofA appears to think little of your department as far as any threat to disallow them from any wrong doing.
Product: Mortgage

on XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX to Arvest Central Mortgage. During the process the total amount transferred was short by {$9.00}. 
Normally I would let this slide. However during the process, both companies took the XXXX payment from my checking account which sent it into overdraft and I was charged a {$38.00} fee from my bank. Since I didn't have enough funds in the bank to cover 2 mortage payments, The payment to Arvest did not clear, and they charged me {$25.00} isf fee  among other things. 
When I received my year end tax documents, I noticed the {$9.00} discrepancy and contacted both companies. 
In XXXX of XXXX Arvest responded that they were aware of the problem and it would be resolved within weeks. 
In the last year I've reached out to Arvest as to the status and have received no response from them. At this point they should pay a late fee as well as interest on the {$9.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX Violation of Privacy and inaccurate and unfair reporting. 
THERE ARE TWO COLLECTION ACCOUNT ON MY CREDIT REPORT FOR ATT. THE COLLECTIONS AGENCY ARE REPORTING THE SAME ACCOUNT AND THEY BOTH HAVE INACCURATE INFORMATION.
Product: Credit card or prepaid card

While I was at work on XX/XX/22 there was two charges made to my account at XXXX in XXXX Pa store number XXXX each charge was for the amount of {$170.00}. 
{$350.00} total, first charge was at XXXX XXXX Second charge was at XXXX XXXX. 
Theses charges where not done by myself and my cards were in my procession at the time of the charges. I notified my bank that the two charges were not done by me I put in a dispute they are investigating they said it could take up to 90 days too I am fully immersed I also notified the XXXX store they gave me the corporate number to call and report the situation they gave me a ticket number XXXX and told me to call my local police and make a police report witch I did
Product: Credit reporting, credit repair services, or other personal consumer reports

This continues to be an " ongoing '' complaint I have submitted against XXXX concerning my Best Buy acct. XXXX continues to show me as having a high balance around XX/XX/XXXX-XX/XX/XXXX but it was due to the reduced overall credit limit by the company that was the holder ( XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted Best buy to update and report that my high balance was actually XXXX with a XXXX dollar balance. XXXX also did not correct my payment hx. I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX credit score that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

the following are inquiries on my credit report that I do not recognize and did not authorize. 

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

Dedicated Credit Repair are misleading with when it comes to their results of disputing negative times on a person 's credit report. In my situation the company filed a dispute with XXXX. They alleged that I had a total of ( 11 ) negative items on my credit report and that they were able to remove ( 8 ) of those negative items. When in reality, I never had ANY negative items of my XXXX report! My FiCO score was well over XXXX. This was a lie and misleading. Additionally, they are charging excessive fees for work that has not been performed.
Product: Debt collection

Capital One QUICKSILVER Credited My What Have Should Been An Open End Account XXXX XXXX XXXXXXXX But Now Are Attacking My Credit For Almost Double The Amount. Its Very Unfair The Tactics They Performing Against Me. I Have Tendered My Payment In Good Faith No Response Means They Have Accepted My Payment In Tender But Closed My Account & I Still Owe How Is That Possible. I Called Before XXXX  & Before The XXXX XXXX XXXX XXXX XXXX New York To Pay In Good Faith & They Refused My Payment Numerous Of Times.the APR is way of New York States Requirements which is XXXX  %
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is copied from the email I sent to Navient : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from Navient. I need Navient to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what Navient is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time Navient messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the XXXX XXXX XXXX to file yet another complaint against Navient! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.
Product: Mortgage

Dear Sir/Madam, I'm reaching out because I'm in a tough spot with my mortgage. On XX/XX/XXXX, my old mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX ), passed my mortgage to a new mortgage company, Mr. Cooper. But they didn't sort out my XXXX payment ( mortgage monthly installment plus extra principal that due on XX/XX/XXXX, {$5000.00} paid on XX/XX/XXXX to XXXX ) properly. I waited over 45 days for Mr. Cooper to get my payment, but they said they didn't get it. I tried contacting XXXX but they just said to wait. Now it's been 45 days, and Mr. Cooper still hasn't got my payment. I'm worried and confused because I don't know what's happening with my XXXX payment for the installment due on XX/XX/XXXX. Neither of the lender said they got the money, or refunded the extra payment. Meanwhile, to avoid late fees, I had to pay twice on XX/XX/XXXX for same mortgage installment that due on XX/XX/XXXX to Mr. Cooper, double payment for sure because the previous payment to XXXX never applied. Can you please help me figure this out? I really need some assistance with this issue. Thank you for your help.
Product: Debt collection

This is the second time this has happened to me last year this same situation costed me getting my first home and now I owe thousands to my credit card because of the timing in which it happened to me.. mirmad revenue group keeps attempting to collect debts that I allegedly owe to XXXX XXXX hospital now I have spoken with my very doctor that the bill were presumably owed to he does not understand either .... I have two insurances one being XXXX as well for being XXXX ... I have been waiting for him XXXX XXXX XXXX to update my insurance for months they never have reviewed this at all I was never forwarded of this debt owed either. I moved on XX/XX/2020 this stated my first insurance did not take. Because they had outdated information at the time but just like the last time this happened I had a pending verification statues of the insurance data that I had placed into there XXXX software.. I just dont logically see how I could be liable for something that is not my error..
Product: Debt collection

On XX/XX/XXXX, I received services from XXXX XXXX XXXX ( subsidiary of XXXX XXXX XXXXXXXX ) and paid in full directly to them at time of service ( see receipt attached ). However, in XXXX, I noticed that a collection agency, XXXX, reported this debt on my credit report. I filed a dispute, and the debt was subsequently removed from my credit report after I provided copies of my receipt showing I paid at the time of service in XXXX. 
Recently, I discovered that Cascade Capital Funding LLC sold the same debt to the XXXX XXXX XXXX who added this same debt to my credit report again. I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I paid at the time of service in XXXX and provided my receipt as proof of payment. 

Fair Debt Collection Practices Act ( FDCPA ) The key violations I am reporting : XXXX False or Misleading Representations : Debt XXXX XXXX not falsely represent the character, amount, or legal status of any debt. By attempting to collect a debt that was already paid in full and previously disputed, the XXXX XXXX XXXX is violating this section. 

XXXX Harassment or Abuse : Attempting to collect on a debt that has already been paid could be considered harassment. 

XXXX Validation of Debts : If you dispute the validity of a debt, the collector must cease collection until they provide sufficient validation. Given that the debt was previously disputed and resolved, attempting to collect again on the same debt violates this section. 

Fair Credit Reporting Act ( FCRA ) Key violations include : 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers of credit information ( like collection agencies ) must ensure that the information they report is accurate. By reporting a debt that was already paid, Cascade Capital Funding LLC and the XXXX XXXX XXXX are violating this provision. 

623 ( a ) ( 3 ) Duty to Correct and Update Information : If an error is found in the reporting, creditors or debt XXXX are required to promptly update or correct the information. Since the debt was previously removed after your dispute, re-reporting it as unpaid is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to TransUnion several times about following FCRA and they still fail to do so even after sending them documentation from the XXXX XXXX XXXX Illinois Docket # XXXX. Theyre reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). They continue to send me a dispute report that states it is accurate and they dont have to reinvestigate since I have disputed this before. They have also failed to update another account ( XXXX XXXX XXXX XXXX XXXX which was settled since filing a complaint with CFPB and disputed, still shows up on my report with a balance when it was paid off please see attached receipt and another violation on behalf of TransUnion.
Product: Credit card

Capital One has a Shopping Trips Offers portal after logging into your account since I am a Venture X credit card holder. 

On XX/XX/XXXX, I was presented with an offer to earn XXXX miles via XXXX. The terms of the offer stated that I needed to follow the link, and submit my information to learn more about XXXX 's payroll services. I completed that. The shopping trip number is : XXXX Representatives from XXXX reached out to me to tell me more about the services and we have been corresponding back and forth. Unfortunately, Capital One didn't track the order, marked it as inactive, and I have not been awarded my XXXX miles. 

The contact information for the XXXX representatives who I have communicated with are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

after using after pay for going on 3 years last year after making almost 50 or more payments on time my credit limit increased to XXXX. then all of a sudden while trying to make a payment the screen just kept spinning and it would freeze up. so I kept trying and then on the next day it finally went through and they took me down about 700.00. this year I have not missed a payment but a few months ago the same thing happened, on yesterday the same thing happened and I emailed them as I have each time before nothing has changed they just send a generic response. it was on this morning I read the reviews about after pay and so many have the very same complaint. they are doing this on purpose to have a reason to decrease peoples spending limit