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

On XX/XX/2019, I initiated a transfer for {$1500.00} XXXX  dollars to XXXX. The funds were deducted from my XXXX XXXX Account ending in XXXX on XX/XX/2019. Funds were to be available by XX/XX/2019. Subsequent to the transfer I was asked for additional information that was already provided to Remitly. I was then informed that it would take an additional 5-7 days for the transfer to be processed and ready for pickup. Because of the many false representations and outright negligence of Remitly I elected to cancel the transaction. I received an email confirmation of the cancellation on XX/XX/2019. In the email Remitly falsely claimed that, " No funds will be withdrawn from your account. '' The funds have been deducted and as of this writing have not been returned to my account.
Product: Credit reporting or other personal consumer reports

-Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My loan was sold to Freedom Mortgage on XX/XX/XXXX. I did not receive the notification by mail informing me of this. Additionally, my loan has always been on autodraft, and they removed my loan from autodraft without telling me. Their notification of delinquent payment was delivered to my neighbor who was gone for 2 months. He returned this notice on XX/XX/XXXX. I paid all outstanding payments on XX/XX/XXXX. When I called to discuss this issue the first person i spoke to said my credit score wouldn't be impacted. I spoke to a second person and they informed me that the post office delivering to the wrong address wasn't their issue and that they would be notifying the credit bureaus. 

I have never missed a loan payment in my life. I setup my loans on autopay on all my payments because of my travel and work schedule. In my entire time of having this loan, the purchase/sale of my mortgage has never resulted in auotdraft being removed. 

The loan is current. I do not want my credit score impacted by poor behvior from Freedom Mortgage or delivery errors by the post office.
Product: Credit reporting or other personal consumer reports

After being denied for a short term loan, I tried to contact the credit reporting agency Data X to request a free copy of my report under the FCRA rules. Upon hearing a short recording after dialing the number listed, the line goes dead, no one answers, and I have no ability to check the information reported for it's accuracy. I tried on 3 different occasions, being on hold with just a silent nothing from the other end of the line for 10-15 min. at a time. I am not willing to have my credit frozen because I mail a request in, I should not have to be burdened by any of this.
Product: Mortgage

Wells Fargo Return Mail Operations XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Subject : We're responding to your concerns Case Number : XXXX The account number ending in Unknown verified as XXXX Consumer Financial Protection Bureau XXXX case number : XXXX
Product: Vehicle loan or lease

XX/XX/XXXX online service agreement contract signed car deliver to my driveway. 
Contract is blank on address, so I believe the sales agreement is invalid. 
My interest rate was XXXX However the company has collected more than I owe, during COVID they called saying I could refinance over the phone and it ended up being a scenario. So with my regular payments {$250.00} and my gap insurance of {$330.00} not one has been late in fact I have been over paying {$790.00} or paying double some months. But I just also realized that my vehicle is being vandalized even after I took it to a certified collision repair center on XX/XX/XXXX It cost me {$1000.00}. 
Then XX/XX/XXXX XXXX XXXX  paid {$500.00} Invoice XXXX Transaction # XXXX {$280.00} Transaction # XXXX {$320.00} Transaction # XXXX {$710.00} Transaction # XXXX {$390.00} Transaction # XXXX {$400.00} Meanwhile I was on recurring payments at {$250.00} from my checking account and my mother was also going by the bank due to letters the Wells Fargo kept sending and depositing multiple XXXX into my account ending in XXXX. I kept my portion of paper receipts thats how I have these transaction numbers. However the rest is digital and the bank has been playing and the sales contract is possibly what makes them think its acceptable. I would like to formally introduce myself, XXXX XXXX. The person responsible for the car having a clean title and no leans would be XXXX XXXX XXXX XXXX, with with Wells Fargo Dealer services on the paper work. They have been negatively impacting my credit and I believe phishing and selling my personal information. I would like this nightmare concluded. If there is a person who can please help me I would appreciate it very much. It was the COVID callers calling 24/7 about my auto loan asking me for my social number and sending me to it to set up a new online account and the branch not having any information regarding payments or interest vs principle. I wrote XXXX with the enclosed papers about a possible Lemmon on my hands. However I didnt hear back from them, my car continues to have one key and get vandalized every time its in a secure parking garage or doctors office. I believe someone might have the spare key or its a engine immobilizer issue. Its been messed up as well as other very dishonest services and thefts.
Product: Credit card

I applied for an Aspire Credit Card, which was promoted as having no annual or monthly fee. After about 12 months of use of the card, Aspire apparently changed its fee structure and started charging me a $ XXXX fee, which I did not notice until today. I carried a balance on the card until paying it off in full earlier this fall, so did not notice the extra $ XXXX in charges. 

Aspire invited me several times to sign up for XXXX of statements and notices, but I prefer paper notices, so I never opted-in to XXXX 

Despite this, XXXX apparently never notified me in writing of its new fee structure. I asked when they mailed me notice of the new fee, and they told me I was sent an " email notice '' in early 2023, But if such an email was sent, I never saw it. I recieve hundreds of emails a day, so if such an email was sent, I did not see it. 

As such, I have apparently been charged $ XXXX for at least XXXX months, without notice to me or my consent to such charges. I would like to be refunded for any of these charges that were placed on my card. In a phone call with customer service, I was told that the $ XXXX maintenance fee is " automatically added '' after the card account is open for a year. I do not recall any disclosure of this escalating fee structure. 

When I called to cancel my account, the first XXXX customer service representatives told me that a request to cancel my account would take " 45 days '' or " XXXX business days '' to process, and that the $ XXXX fee would be deducted during that time. Only after I identified myself as an attorney did the customer service rep ( the XXXX one I spoke with ) agree to cancel my account more quickly, and to remove the existing {$10.00} balance ( XXXX monthly maintenance fees ). 

This undisclosed increase in fees and XXXX cancellation period seems extremely sneaky to me, and since XXXXspire markets itself as a " credit recovery '' credit card, I suspect Aspire is deliberately taking advantage of unwary consumers. I signed up for the Aspire card because I recently exited a personal bankruptcy, and Aspire was the only " XXXX XXXX XXXX credit card that did not charge monthly or annual fees.

Secretly charging a monthly fee added after XXXX XXXX feels like a bait and switch deliberatly structured to mislead consumers.
Product: Money transfer, virtual currency, or money service

I am filing a report against Cash App due to their lack of customer service and unfair practices. Which violates the customer financial protection act ( CFPA ) pacifically cash app failed to take timely and effective measures to prevent an address fraud on their platforms. Leaving my account vulnerable and unprotected. Furthermore. Theyre dispute resolution. Was unfair and deceptive. As they did not comply with resolution requirements under the electronic fund, transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience, and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth on numerous occassions with Equifax, XXXX and XXXX regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy Court XXXX District of XXXX  stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX XXXX  and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX wish have remove immediately from all credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX transnuin XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Product: Mortgage

My husband and I applied for a loan with LoanDepot, Loan Officer, XXXX XXXX. Before we went to closing, my husband and I told Mr. XXXX that we intended to pay the entire mortgage from the sale of our home in XXXX XXXX. Mr. XXXX requested that we pay the first month payment. He said we will receive a payment book. We never received a payment book. The closing date was XX/XX/XXXX. My husband called Loan Depot on XX/XX/XXXX, to ask what our mortgage payoff amount was. The response was {$210000.00}. My husband did pay the first months mortgage payment, at the request of Mr. XXXX. 
I called Mr. XXXX asking why we had to pay the first mortgage payment, due to the fact that every day, we were accumulating interest. The {$210000.00} is the amount we expected to pay. Due to the fact that Mr. XXXX asked us to pay the first months mortgage, so that he will be recognized as well as receiving his money as Loan Officer. Meanwhile, accumulating every day was interest. As of XX/XX/, we received a payoff amount of {$210000.00}. 
My husband called LoanDepot, spoke to XXXX on XX/XX/, that the amount owed was {$210.00}. 
We paid off the mortgage on XX/XX/2021 in the amount of {$210000.00}. That was the amount that was indicated. The mortgage amount we thought we were going to pay was {$210000.00}, if we were to pay off immediately. 
My husband and I were manipulated by Mr. XXXX to pay the first months mortgage. 
My husband and I believe that we should be receiving {$1200.00}. 
To date, We have not received any money. 
We did receive a Letter from LoanDepot, dated XXXX XXXX, XX/XX/XXXX. This letter is to acknowledge that our loan has been paid in full. However, till this date, have not received anything.
Product: Debt collection

I am a natural person/ not a third party company Northstar location service sent post card stating that I owe an alleged debt without the 5 validation of me owing such debt pursuant to 15 usc 1692g from the fair debt collection practices act and violated my consumer rights and I seek remedy.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging system issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts as experience in action, violate the federal law and my rights as a consumer
Product: Vehicle loan or lease

Purchased a new vehicle and was financed through BBVA Compass in XX/XX/2015. Ran into a hardship a little bit after purchasing the vehicle. I was denied help for the longest due to it being a new loan. This loan has damaged my credit tremendously. I have almost close to {$1200.00} dollars in late fees which should be against the law. Just recently they did grant me an extension due to me owing the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( 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 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 : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Bank account or service

I require your assistance to have a check card, closed, given card account is currently held under my name, as a former employee of XXXX XXXX services in XXXX, USA. Further note as of XXXX/XXXX/2016 Money Network with an address in the state of XXXX, refuses to close this check card. It is possible that the intention of Money Network is to levy so-called " nominal fees '' on my person, said fees are a burden as I am unemployed. How hard can it be to close a check - card? 

The contact information for Money Network is as follows : Money Network XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX P:XXXX Concluding statements Finally, formal order to close this check card/account which holds an unnecessary balance of US {$0.00} borders on dead accounting. As such this account is needed, and once again must ethically be closed. Thanks for considering the preceding.
Product: Credit card or prepaid card

There was a hard inquiry on my credit report that was not made by myself. XXXX Company : ComenityCB/XXXX No phone number given. No company information to contact them given. 
I did place a fraudulent activity notice on my XXXX account for this inquiry.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX  - XXXX - {$12000.00} XXXX  XXXX XXXX - {$0.00} XXXX - XXXX - {$2900.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles 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 loss funds was impossible and 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

XXXX XXXX, Back in XXXX or XXXX my XXXXXXXX XXXX XXXX XXXX XXXX  loan for an online school. XXXX XXXX University. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my XXXX for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company I had the loan auto-drafted until my XXXX  in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. Then came the pandemic and we are waiting for the government 's decision to be made. I have gone on Nelnet and requested the consolidation of all of my loans combined as XXXX which should remove any of my XXXX  ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My XXXX  does not deserve it if I have all of my loans combined in NELNET. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXXELNET with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a XXXX XXXX XXXX XXXX who doesn't deserve it.
Product: Mortgage

I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.