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

I am writing to formally express my concerns regarding Zelles 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 adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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

I XXXX XXXX attempted to fix the issues personally many months from XX/XX/2022 til XX/XX/2022 then had a credit repair team attempt to fix it from XX/XX/2022 to XX/XX/2022 at this point the XXXX credit bureaus and defaming me and I framing that all reports not with dates that dont match and incorrect information be deleted immediately I spent over {$300.00} buy a printer, ink, stamps and envelopes and countless hours doing so. I then spent {$140.00} a month for 3 months with a credit team. Its defamation of character next step will be to sue. Also paying for XXXX and equifax 9 months
Product: Debt collection

On XX/XX/2024, I was contacted by a debt collection agency under a new name via email. I had never given this company my email address nor authorized them to contact me through this medium. This is the first time they have used email to reach out to me, and I was surprised and distressed by this unsolicited communication. 

The email was sent by XXXX XXXX XXXX and appeared to be related to a debt I may or may not owe. However, I would like to note that the debt in question is old, and the statute of limitations for collecting this debt has passed. According to the law, this debt is no longer enforceable, and the collection agency has no legal grounds to attempt to collect on it. I believe the collection agency is violating my rights by trying to pursue this debt after the statute of limitations has expired. 

Before this incident, I had no prior interactions with this company, and I did not have any expectations that they would reach out to me via email. I did not give consent for them to use this form of communication, and their contact via email has caused unnecessary stress and confusion. 

I have not yet requested that they stop contacting me, but I am making this request now, and I want them to cease all communications with me, particularly via email, since I never gave them permission to contact me this way.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Midland Credit has been reporting a debt collection account for XXXX XXXX  since XXXX  ; however, my XXXX account remains open and in good standing. Whenever I dispute the account, Midland Credit " verifies '' it but it will not send me proof of the debt, or the full account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Affirm furnished a late payment on my consumer report without my knowledge as stated by law 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I never received a notice 21 days prior to Due Date affirm has stated they accurately verified the account. how was this account and information verified? 3 days before due date was not mentioned in any part of 15 U.S. Code 1666b - Timing of payments It is their duty as stated by law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Which Affirm is clearly in violation of my rights this if affecting my every day life of living as well as damaging my credit worthiness as stated by law 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system
Product: Debt collection

A payday loan was applied for in my name in XX/XX/2012, I have had hardship over the past couple of years but I and my family have been threatened 2 times over the past 5 years to be sued for check fraud, when have n't been properly served or notified. My friends are getting phone calls and are given false information. Telling them they are from the XXXX Police Department. When I call they are rude and try to threaten me with a court case if I dont give them money I dont have. Apparently the original amount was XXXX but they are asking for XXXX and more if they go to my district attorney. They give me a confirmation number after I paid them but nothing else. I called the original loan company and they told me they dont pursue court cases. I dont know if this is real.
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have never given Transunion my written consent to report anything on my consumer report. 15 United States Code 1681b Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The accounts below as a consumer I am demanding you to remove these accounts once receiving this dispute.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was imposed that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with a debt collection issue related to Midland Credit Management ( Account Number : XXXX ). I am a victim of identity theft, and this debt was fraudulently incurred without my knowledge or authorization. 

Pursuant to Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am requesting that Midland Credit Management cease all communication with me concerning this account. I am also requesting that the collection item related to this account be removed from my credit report, as I am not responsible for this debt due to the identity theft incident. 

I have already taken steps to protect my identity by filing an identity theft report and notifying the relevant credit reporting agencies. Despite these measures, Midland Credit Management has continued to pursue collection activity and has reported this fraudulent account on my credit report, which negatively impacts my creditworthiness. 


Thank you for your assistance in resolving this matter and for your commitment to consumer protection. I look forward to your prompt response and the removal of this fraudulent collection from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

both XXXX and Equifax have taken monthly charges for membership without giving me access online to view my reports. I have called multiple times requesting a refund for the months I was not allowed access and also advised them that as a victim of identity theft, it is my right to have access to my credit report. They have in fact told me, because I am a victim of identity theft that I will not be allowed to access online even when I paid. Neither bureaus has refunded me for the inconvenience.
Product: Credit card or prepaid card

I filed against this company a couple weeks ago and everything was resolved. They still contact me late hours and they are still sending me mail asking for payments regarding an account that was paid off. This company was also supposed to send me a refund check and they never have. Please have this company fix there mistakes and have them stop contacting me I am not a card holder of theres anymore.
Product: Debt collection

I received communication from XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX that a new debt collection account from Radius Global Solutions was added to my credit report. It states that this is for a medical collection in the amount of {$300.00} from XXXX, however I have never received any form of communication regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter regarding XXXX XXXXe account it is being reported as 30 days late when I was never late and the account is closed. Also XXXX  does not match my other credit reporting agencies equifax and XXXX
Product: Bank account or service

I purchased a sofa online at XXXX in XX/XX/2016 using my PNC Bank Debit XXXX Card. The transaction Date was XX/XX/2016 in the amount of {$3500.00}, and the sofa was delivered on XX/XX/2016. Upon close inspection, I found defects in the alignment and upholstery, and contacted XXXX immediately and followed up with an email and photos of the defects. I received a call from a XXXX agent 2 days indicating a replacement of the defective sofa would be coming in XX/XX/2016, and to keep this sofa until that time. The second sofa was delivered on XXXX XXXX, 2016. I inspected the sofa outside my home as it was unloaded from the delivery truck, and found the same upholstery and alignment defects as the first sofa. I phoned XXXX and both sofas were taken by the delivery agents, and was told a credit would be forthcoming when the sofas were returned to the warehouse. Before signing the XXXX bills provided by the delivery agent, I NOTED the DEFECTS in the SOFAS, and made copies to RETAIN FOR MY RECORDS. I contacted PNC Bank in XX/XX/2016 to dispute the purchase when XXXX did not issue a credit timely. A provisional credit was issued, and subsequently reversed XX/XX/2016. I made another transaction dispute on XX/XX/2016. It was subsequently denied on XX/XX/2016. I made another transaction dispute on XX/XX/2016, and it was denied on XX/XX/2016. I have provided this information by phone and in writing to PNC Bank at least 6 times. My written communication, fax confirmations, and PNC Bank correspondence is included in the attachment. As of this date, I can expect collection activity to begin for a sofa in the amount of {$3500.00}, that I do not even have in my possession, and was just plainly substandard quality. Additionally, XXXX advertises on their website that their furniture is manufactured in XXXX, when in fact I examined both of the tags on the sofas that were delivered to me, and each indicated being manufactured in XXXX not XXXX. Furthermore, as of this date, XXXX has not issued a credit for the returned sofas yet.
Product: Money transfers

**FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.
Product: Checking or savings account

I have not had access to wells Fargo auto account after the company closed their dealer service website. i tried to sign on through the regular website wellsfargo.com and it tells me to re-enroll. Then ask for access to information they have no right to like ( IMSI and IMEI ). They also changed the phone number on my account as well. Sounds like the company is trying to illegally access my phone. I would like for you to contact them and make them give me access to my account.
Product: Mortgage

On XXXX XXXX, XXXX we were pre-approved for a home equity loan from Discover Home Loans, after an initial phone call with an agent. 

That same day, we received a list of items to upload to the portal to start the formal application. 

For weeks, we received requests for more documents -- sometimes the requests were for documents already uploaded once. Each time, we uploaded the documents, as requested, but were concerned that it seemed like there was a glitch in the system. 

Finally, we received a number of emails from the assistant of the personal banker assigned to us that everything looked in order and they would be forwarding to the underwriter.

But then requests continued, and often did not make sense. For example, requests for W2 forms despite the fact that they knew we were self-employed.

One of the last straws was when the underwriter 's manager made a false assumption and arbitrary decision to omit some of my Schedule C income because I had moved to a
different state, so my income from the prior state must have stopped. This false assumption continued even after I explained that my work as a consultant was the same no matter where I lived. I had a long-standing contract with the same company and the same income level. My Schedule C income was the same in XXXX, XXXX, XXXX and XXXX. I offered to share a copy of my contract, but they were not interested.

The very last straw was speaking to a personal banking supervisor who could not track what was happening, and kept referring to the wrong documents in his attempt to back up the underwriters. It felt like gaslighting. He mentioned that they had closed the file in XXXX, and there was nothing more that could be done. But it was XX/XX/XXXX and this was the first I had heard of it. Indeed, I had had at least 4 phone calls with the personal banker, attempting to rectify their errors, and it had never been mentioned.

Truly, an unimaginable nightmare with Discover Home Loans which wasted hours and hours of my time. I am left to wonder whether it was some form of discrimination, a scam, or some other unethical/illegal thinking that drove this process.
Product: Debt collection

Synchrony Network will not remove account from my credit after account has been paid off. This is hurting my credit and needs to be removed ASAP. They are not honoring my request.
Product: Student loan

I applied for and received an education loan from XXXX Bank in the amount of {$18000.00} on XX/XX/XXXX. When I received the loan I paid {$1600.00} for an " XXXX XXXX ''. The terms were {$300.00} per month for 240 months beginning in XXXX, XXXX, when I would finish school. Due to a hardship, I was unable to complete my education then and found that my loan was transferred to American Education Services, that managed the loan instrument of XXXX XXXX ( see statement attached ). Once the loan was transferred a new balance of {$22000.00} was assessed. In summary, I have been paying on the loan for 13 years at {$170.00} per month. That equates to about {$27000.00} paid to the company and I still have a balance of {$12000.00}. I was young and naive and desperate to get funding for college. I was gullible enough to be victimized by a company that took full advantage of me and still is. 

Currently I have a wife and XXXX toddlers. I am struggling to make ends meet during these challenging times so I decided, today, XX/XX/XXXX, to call the company with hopes of negotiating a payoff that is reasonable and fair, considering the amount I have exorbitantly paid through the years. I spoke with a young lady who was a representative and told her what I wanted to do in terms of renegotiating the loan for a lump sum payoff. She told me her computer froze and she needed to transfer me to someone else. She transferred me to a loan officer, much older, named XXXX. When I presented my case to him, he told me I had no choice but to adhere to the terms since the private lender requires that. XXXX prefaced that he was only the loan officer and had no control over the terms. I told him to put me in touch with somebody that could consider my request. XXXX talked around it and repeated that the private loan company will stick to the terms. I asked him who is the private loan company. He replied that it was " Southern '' and that he could not pull it up on his screen and had to go to another window. I said fine. XXXX then said you aren't the only one who has asked me that question. He put me on hold and after 10 minutes did not come back on the line. I know it does not take that long to provide me with information about a loan company that he does business with on a daily basis. 

I would appreciate your intervention and helping me to either negotiate the terms I offered or connect me with legal counsel that are experienced in this matter. 

Thank you. 

The name and contact info of the company : American Education Services XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address and wrong name associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong name : XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Debt collection

I continually get harrassing phone calls from a company called the NP group, and the phone numbers they call me from are phone number associated with companies who are on the FTC 's banned list. They claim that I took out a payday loan in 2011, which I did not. I have never taken out a payday loan in my life. They tell me that there are charges going to be filed against me and my husband for fraud and that if we do not pay them, they are going to have police officers show up at my house or my place of employment. They also call numerous family members and leave messages of this nature on their answering machines. I have several of the messages saved to my cellphone that they have left. I have asked them numerous times to stop contacting me by phone, and that if they believe it is truly a valid debt, to send me paperwork in the mail to substantiate that. That question only leads them to cuss me out and call me every name under the sun that I will not repeat.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt