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 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 impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX  XXXX Balance : {$150000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

These inquiries need to be removed. I have no information about them, and the company acted without my approval.
Product: Student loan

I have had the private student loan accounts serviced through Navient for over 10 years. I have been paying on them for a number of years as well. 

I am disabled ( XXXX XXXX survivor ). This last XXXX I was according to them more than 60 days late in paying my accounts. However, I can't figure out how they are applying my payments. I spent 2 hours on the phone with them today and I still am confused. 

They reported this to the credit bureau and my credit score has dropped considerably. 

I have an online account with them and though I receive monthly bills on the account I did not receive any notification online that they were going to report me to the credit bureau. 

Can you help? Thank you.
Product: Mortgage

XXXXXXXX XXXX  hired XXXX to pay my taxes as they come due. XXXX not only paid my taxes, but they paid my XXXX taxes. I received a letter from XXXXXXXX XXXX saying my escrow account was over XXXX  short. I called them right away and they had just sold my loan to Roundpoint Mortgage so they wouldn't talk to me. I called XXXX and they didn't have me on their books yet. They said I had to wait a XXXX, meanwhile, I have been making a much higher payment because my XXXX  account is short, which is XXXX 's fault. Meanwhile, I called XXXX XXXX to see if I could directly get that refund, and the county will only refund who paid my XXXX taxes, which is XXXX. Finally in XXXX, Roundpoint had me on their books and said to email them at XXXX. I sent all of the info by email on XX/XX/XXXX, and asked for an immediate response. I did not get any response. I emailed them again on XX/XX/XXXX, and even said I would be filing a complaint with you if they did not provide me with a status. I still heard nothing. Today, I called XXXX and they said they're waiting on a response from XXXX because they've heard nothing back from them. so I called XXXX myself, and they won't even work with me. I asked them to call the county to request a refund application and they said they don't make any outgoing calls. They will only work with lenders who have an account with them. I am furious, how can this XXXX company, who paid my neighbors taxes out of my escrow account, not be held accountable to me? This is their fault not mine, and they don't care at all. There is NO accountablility here. They're in charge of my money and don't have to deal with me???? XXXX should not be in business. I have been very patient. This is beyond ridiculous, XXXX has cost me a lot of time and frustration!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX XXXX upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX XXXX  I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

AccountName : XXXX XXXX Account Number : XXXX Balance : {$0.00} AccountName : XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} AccountName : XXXX Account Number : XXXX Balance : {$14000.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : hard enquires not mine 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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 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

This account was closed at my request in 2018 ( attached ). This bank changed its name and listed my status to CLOSED ( attached ) and then listed the account as a charge off. This is a potential violation of the FDCPA. I never received any correspondence.
Product: Vehicle loan or lease

I had a desperate situation with family health issues. I just needed {$4000.00} to take care of business. I saw an add with OneMain Financial Bank. They wanted to give me {$30000.00} instead. Little did I know they would not give me the cash unless they wrap my car loan with the {$4000.00} I needed.

My wife and I had a {$25000.00} car loan with XXXX XXXX XXXX at a rate of 6 % for five years. An affordable monthly payment of {$440.00} Because of the {$4000.00} we needed, will be paying OneMain Financial the same loan at a rate of 18 % for five years ( {$760.00} per month ). 

I am having a lot of problems with my wife for turning OUR 6 % loan into MY 18 % loan. 
I desperately needed to resolve our issue and did not think what I was doing. This is financial terrorism. I hope you can help me lower this monthly payment since I am not working at this time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 has violated my rights. I looked up my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been reaching out to the XXXX credit bureaus about these fraudulent accounts and I did everything that was asked of me and I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION.
Product: Debt collection

in the month of XXXX the XXXX sent them XXXX for the monthly payment, then later I received a bill that did not include the payment so with the bill I sent it back to them with a hand writing note in the bill with a money other can remember the amount but it the note I ask what happen to the payment that I made, I received no answers an no other bills until today that I saw DCI collection pu it in my XXXX credit repot.
Product: Debt collection

collector has duplicated account in collection with XXXX different account numbers on same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXXXXXX XXXX  XXXX is showing ACCXXXX # XXXX from XXXX XXXX XXXXXXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15. U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 a, Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request. 
The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Student loan

I have been a XXXX XXXXt and caseworker for XXXX XXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX of 2008 ( 16 years to date ). I have made well over 120 consecutive payments to Mohela and/or XXXX XXXX XXXX for over 10 years. They have forgiven XXXX of the XXXX student loans. 5 of the last 6 remaining loans have received XXXX payments and the XXXX has received XXXX payments, and have yet to be forgiven. 

I have received conflicting information. Letters I have received state that I have been delinquent in my payments. Further scrutiny on their part will reveal that this is not true. I have received a letter stating that payment is due with a payment schedule enclosed. Another letter I received indicates that my loans have completed a transition to Mohela who will handle my loans. Mohelas outgoing message indicates that my loan is in the hands of XXXX  and Mohela has no information. Upon speaking with a Mohela representative by phone I am told that my remaining loans are in a Mohela induced administrative forbearance, no payment is due, and they are possibly being reviewed for XXXX eligibility. When asked when I might hear from Mohela regarding loan forgiveness the representative stated she was told to say ; the end of summer. When pressed for a more specific or even ball park date for the end of summer the representative said, this is all they told me to say. 

My aim is to retire from my job as soon as I know my loans are forgiven. I have documentation showing over 120 consecutive payments being withdrawn from my bank account in payment for Mohela/XXXXA student loans. My employer for all 10 years has been XXXX XXXX XXXX ( a government institution and PSLXXXX eligible employer ). I am eligible for Loan Forgiveness by MohelaXXXX definition XXXX Please help me obtain confirmation that the last 6 of the 17 loans have been forgiven. 

Thank you, Most Sincerely.
Product: Credit card

XX/XX/year> I called Lowes about the hard inquiries that are on my credit report, they stated they would notify the credit bureau to get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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 an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX have been notified as well as XXXX XXXX of the XXXX  accounts that were opened in my name XXXX XXXX and XXXX XX/XX/year>. They both were unrespknsive of the fraudulent report that its debt collector XXXX from XXXX XXXX XXXX had informed me that they will send out within XXXX business days. It is an unfair act to have to pay for a fraudulent act of service in which my personal information was stolen and used in multiple data breaches and also at auto dealerships to obtain goods and services in which I had no knowledge about until I inquired. XXXX XXXX rep was asked to present signature with my name and joint account holders name in which they were responsive and was asked to send photo of docs and signature in which the sent docs with signature and no Id. The signature was not mine.
Product: Checking or savings account

On XX/XX/year>, I re-opened an account at XXXX for the purpose of trading stock options. I was approved for level XXXX options trading. On XX/XX/XXXX I initiated a transfer of {$10000.00} from my bank account to XXXX which was completed on XX/XX/XXXX, and later I initiated another {$10000.00} deposit which was completed on XX/XX/XXXX. On XX/XX/XXXX I opened an option strategy on XXXX XXXX XXXX a debit spread which netted a {$500.00} total return and I changed my password to keep my account secure. 
Then on or about XX/XX/XXXX, for reasons that are not clear to me, my account was " restricted '' and while I was working, I missed a phone call from XXXX about " an account security question. '' I have called XXXX and talked to one of their account representatives three times. Each time I talk to them they ask me the same questions : what is your first and last name, what is your telephone number, email address, physical address, last four digits of your Social Security Number, etc. and I answer all of these questions correctly and with the same answers and each time they tell me that they will refer my problem to a " specialized team '', which they have done three times.

The first time they told me that my restriction would be removed XX/XX/XXXX, the second time they told me that I would be contacted, or the restriction would be removed XX/XX/XXXX, and the third time I returned their call and answered all of the same questions, and I received another assurance that the issue would be resolved, or the restriction lifted by XX/XX/XXXX. 
My case number is XXXX. I can not make a deposit, buy or sell a stock or option, or make a withdrawal until the restriction is lifted. My name and address are the same, I have not moved, and my bank account is the same one that I have used to make all deposits. I am using the same computer with the same IP address from the same location, i.e., there is no reason for my account to be restricted. 
Two times in the past 2 weeks at their request I have sent photos of my driver 's license ( which has not changed ) and photos of my face, and my ID has been verified by them and yet my account is still frozen. With interest and earnings my account is now worth {$20000.00} and I want my money back. XXXX is using my {$20000.00} and refuses to return it to me. My account number is XXXX.
Product: Debt collection

Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called Credit Collection Services claiming that they were trying to collect a debt owed to XXXX XXXX. I have nothing with XXXX XXXX. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about 9 minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.
Product: Payday loan, title loan, or personal loan

Hello, I was browsing an app that someone told me to check out and then put it down, a hour later i got an email saying my loan was approved and My cash was being sent out, but I NEVER MADE A LOAN. I immediately contacted the company and they said they would take care of it after a lot of struggle. The next day, {$900.00} was taken out of my account which had {$0.00} in it at the time so I was over drafted by {$900.00}. I immediately contacted this company and after some struggle again they said they would fix it and deposited the over drafted money back into the account. Mind you, there had never been any money put into my account. After that I thought it was all over, and 2 months later I get my credit report and it says I'm delinquent on my payment to them. But i check there app and it says I owe {$0.00}. So I contact customer service again and for the past months have been explaining to multiple people what happened and they all assure me it will be taken care of, but then the next day i always get an email saying '' you till owe us {$900.00} '' but i do not owe them anything. I have the chat transcripts, my bank statements and screenshots of the app to prove all this