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

Many months ago I created a paypal fundraiser https : XXXX as soon as I have received donations my account was frozen and paypal send an email that I can get my funds in 120 days! THE TIME IS OVER! UNTILL TODAY I CANT WITHDRAW MY FUNDS I GET AN ERROR SAYING THERE IS NOTHING TO WITHDRAW!!!!! THEY STOLE THOUSANDS OF DOLLARS FROM ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}
Product: Checking or savings account

I called on XX/XX/07 to file a claim dispute with Chase for a XXXX unauthorized charge for my account ending in XXXX. I spoke Chase and dispute and they stated they are unable to get the funds from XXXX.
Product: Checking or savings account

I submitted a dispute for a transaction between me and an immigration lawyer. This lawyer told me I needed to send him {$100.00} before he could give me a consultation about taking me on as a client for his services. After I paid him I heard nothing back for a week. I reached out to see when we could discuss moving forward and all my attempts to reach him failed. He obviously scammed me out of {$100.00}. I disputed this amount and my bank Wells Fargo sided with the scammer and recharged my account the {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXXl and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX  we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!
Product: Debt collection

XX/XX/18 at XXXX a.m. Portfolio Recovery contacted me about a debt. 
They have contacted me about at : XXXX XXXX XXXX XXXX I do not know who they are looking for and have requested over and over again for them to stop contacting me and to no avail they have continued.
Product: Credit card or prepaid card

XXXX XXXX XXXX RE : Regarding a Reported Delinquency. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of XXXX XXXX for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted into email alerts just to provide an added layer of redundancy. 
Your records will show that in 2015 was the only time I was late. I had never been late with payment until this unfortunate oversight. I have been prompt with the past two monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX  supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1 B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE
Product: Credit reporting or other personal consumer reports

I have attempted to resolve the inaccurate information and fraudulent inquiries being reported on my credit report on several occasions. With each interaction with Experian, they do nothing to assist me in resolving their errors. 

Fraudulent inquiries remain on my credit report and inaccurate, outdated personal information yet remains as well. 

Experian is in clear violation of FCRA laws 15 USC 1681b and 15 USC 1681i. According to XXXX XXXX XXXX 1997, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. To date, THEY HAVE NOT! 

There must be an authority that demands justice for me as a consumer and forces companies like Experian to uphold the law. I just want my rights as a consumer.
Product: Debt collection

LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.
Product: Debt collection

This collection agency has no provided LEGAL documentation verifying this debt or that they have the right to collect. In which by law the collection agency is required to do so.
Product: Credit card

on XXXX i did check in and checked out theses dates. On XXXX i did check in and checked out of the XXXX XXXX  by XXXX hotel XXXX Please see the receipts for validation and payment in full. the total bill came to {$3300.00} of which I paid {$2000.00} in cash and I paid {$1300.00} with my card. 

However my credit card statements shows that i was overcharged for a stay that never happened. 

XXXX a charge of {$1400.00} has posted to my card. 
On XX/XX/year> a charge of {$2700.00} has posted to my card. 
on XX/XX/year> a charge of {$130.00} has posted to my card. 
On XX/XX/year> a charge of {$960.00} has posted to my card.
Product: Mortgage

Additional documentation to the original compliant : XXXX. Attached is the Tax Assessment. They have valued the property at a different amount than Wells Fargo is claiming. Wells Fargo is claiming the house is upside down.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations. 

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account. 

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA.

I anticipate prompt deletion [ DF ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Product: Prepaid card

Purchased shoes online for XXXX at an ad on XXXX for XXXX XXXX  after getting the confirmation email from another website i was then aware of this scam and contacted cash app to dispute they told me to wait until the transaction clears and then they will assist me. After it cleared they advised they saw nothing wrong with the transaction, months later I still have no merchandise and my dispute is denied they advised me to contact the merchant. I told them they are not responsive to me. Cash app said they can email me a copy of my dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX i filed bankruptcy and included in the filing, a home i once owned t was therefore relinquished and forfeited. XXXX  XXXX XXXX left the loan open and is still open today even though the bankruptcy was closed in XXXX, and they continue to this day to report the activity on my credit report, included with these comments are actual letters from XXXX admitting they made mistakes and other illegal activity such as keeping the loan open in my name and letting other people service the loan. XXXXXXXX XXXX XXXX  has now sold the loan to another company, XXXX XXXX XXXX and failed to disclose any of the information about the bankruptcy proceedings, and they XXXX XXXX XXXX ) are now also reporting to my credit as a new foreclosure.
Product: Vehicle loan or lease

Attention : XXXX XXXX XXXX On XX/XX/XXXX XXXX and it's registrant agent received certified letters of the following : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

On Monday, XX/XX/XXXX, I was on your website researching a car to purchase using my credit. My intentions were to trade in my vehicle with no cash as part of the credit sale or a purchase money transaction nor no down payment and stay in strict compliance with TILA and Regulation Z. I found a XXXX Red XXXX XXXX that I wanted to purchase and was approved for ; however my opportunity to purchase was denied due to a down-payment. 
From my knowledge and extensive research, when a consumer trades in his or her vehicle and there is an existing lien on the vehicle to be traded-in exceeds the value of the vehicle, the dealership must disclose a zero ( {$0.00} ) on the downpayment line rather than the negative. According to the Truth in Lending Act ( TILA ), a downpayment is used only to reduce the cash price. On the documents that I have and will provide with the letter your current balance is higher than your cars value. This is known as Negative Equity. With your denial because of negative equity and your representative stating to me that CARVANA could not apply my existing lien because the loan would be upside down, she and CARVANA subjected CARVANA to false and deceptive business practices. 

I also would like to point out that the information I have stated I had been approved for financing. Considering that I did not benefit from this transaction, there were unauthorized use of my credit card. CARVANA benefited from the transaction from the use of my credit card ; however, the consumer received no benefit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. CARVAVA is directly violation of 15 USC 1642, 15 USC 1681m and 12 C.F.R. 1002 because I made an application in good faith, but was not issued any credit. 
The representative could have easily taken the down-payment she was requesting and included in the finance charge. The finance charge is the total of all charges in connection with my consumer credit transaction and charges can be included in the finance charge for my benefit. 
I am requesting in good faith that we resolve this matter by continuing the trade that I am requesting. 

Respectfully, Consumer Name Without Recourse.
Product: Vehicle loan or lease

Predatory and deceptive lending and inaccurate reporting to credit bureau plus add on to loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX After disputing TransUnion 's incorrect reporting on my credit report, they still report the account is derogatory in contrast to XXXX reporting. 

After filing dispute, TransUnion dropped my credit score by 72 points im one day, and over 100 points since filing a dispute on their error. Obvious retribution.
Product: Student loan

This complaint is against FedLoan Servicing, the Loan company that has been selected to help service the " Public Service Loan Forgiveness Program ( PSLF ). '' I have been trying to work with them for many years and continue to have difficulty with their review of my qualifying payments. They have re-reviewed my account ( at my request ), which takes over a year, and still have not responded to my questions regarding being forced into forbearance during their recalculation periods and the fact that I am still missing 20 qualifying payments. I should be eligible for loan forgiveness in XX/XX/XXXX, but have been given the " tentative date '' of XX/XX/XXXX. 

1 ) The months of XX/XX/XXXX and XX/XX/XXXX were forced forbearance due to FedLoan Servicing needing to recalculate my payments. I still had to pay my bill ( which was over {$300.00} higher than my normal consolidation payment ) during that time. When I spoke with FedLoan Servicing, they said that they would refund the money from my XX/XX/XXXX payment as well ( if it didn't count toward my PSLF forgiveness at the time ) or use it toward a future loan payment. This never occurred, so I am asking if I may please receive the money for these months as a credit to my account OR have those 2 payments count toward PSLF.

2 ) I understand that XX/XX/XXXX was another time of forced forbearance due to FedLoan Servicing 's recalculations. However, when I go back into the online payment history, I do not see any other payments for this month and/or prior to this date being counted. I can go back to my paper files to verify the amount paid during these months if need be, please let me know if this information would be helpful to you, as I have consistently paid my monthly loan bill since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I requested that Equifax fix the incorrect information on the below account on my credit report & send me a corrected report but they didn't : ( Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Payment Status : 30 days late ( THIS ACOUNT WAS NEVER 30 DAYS LATE )
Product: Mortgage

In or around XX/XX/XXXX purchase a property for XXXX. 

violation of TILA and RESPA Forensic Audit CFPA violation Any and all XXXX transaction XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, PORTAFOLIO RECOVERY, Has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A Creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPB 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 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

Unauthorized Inquires are on my credit report as of XX/XX/2019. 
These inquires have dropped my credit score by 100 points.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX I was in XXXX XX/XX/2021 I bought a water park ticket. The cost was {$1100.00} the merchant never deliver the service or the ticket ask the to refund it. They said, I would see the refund in three business days. However since I did not believe them I dispute the charge immediately with the credit card company. A month letter send me a statement showing a XXXX balance and I received another letter the dispute denied favoring the merchant. I submit proof of our conversation with the merchant promising I would see the refund and I also explained to the credit card company that I have never received the ticket. It was redisputed two times more still the favor the merchant. I have been client with them more than 15 years. I have never late on my payment and I have never carried a balance yet still failed me to protect me. I should not be paying penny! 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Took more than 30 days and 15 U.S. Code 1681e states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have disputed multiple accounts multiple times these accounts being shown charged off but yet still showing an active balance and the capital one says paid as agreed but yet it shows late payments and a charged off balance I know credit card companies want you to pay on time that's what you agree too so all of theses are not showing maximum possible accuracy