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

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

I have Been Fighting With XXXX for over a year Now to remove all inaccurate information from my credit report, I have spoken with XXXX verbally about this matter, I have even sent out priority mail to resolve this matter. XXXX has Refused to Remove inaccurate information reporting on my credit. This creditor is acting out of its jurisdiction an is operating as a government entity.Due to this my credit score has taken a drastic decline, and is effecting my credit score and financial opportunities
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National credit Adjuster is dept collection agency. I had a credit with XXXX XXXX that I could not make payment to, so my account was charge off and sold to them. They have been calling and attempted to collect this debt. Two mothers ago they talked me into a setttlment, which I agreed to and they convince me to make a post dated online transfer to make payments. I gave them my bank number my account information. But after careful consideration I called them back and cancelled the post dated transaction. Which they agreed to and they even sent me a confirmation letter on XXXX XXXX XXXX. But on XXXX XXXX they sent me another letter stating they have accepted my offer to settle the my dept. Which I never replied because I had cancel the agreement. On XXXX XXXX with out my authorization they went into my back acount and took money XXXX dollars. To my understanding is a RI law and federal law that collectors can not post date a transaction with out my knowledge. I called them and they stated I made a authorization on XXXX XXXX, which never happened. And also they never called me for my authorization. I want my money back. Because of that my son can not go to daycare this week and had to cut back on a lot things. Acc # XXXX
Product: Debt collection

I learned today through a massive drop of 100 points in my credit score that I was being put under collections. This debt was reported on XX/XX/XXXX by Nationwide Recovery Systems for the amount of {$1400.00}. I immediately XXXX the name of the company and contacted them, since I never received a written notification from them before. The first agent ( XXXX ) I spoke with was very rude and said they had attempted to contact me the first time XX/XX/XXXX. To what I replied, it was unfair because they had reported me before attempting to collect. He then switched to a very rude tone of voice saying the collections agency could report me at any point since this debt is three years old. He argued with me using a very sarcastic, condescending tone of voice, and when I asked for his supervisor he put me on hold for a long time, until I got tired of waiting and hung up the phone. 
I called in again and a second agent ( XXXX XXXX said the amount had been placed under dispute and when I asked again about why I was being reported as a debtor without a written attempt to collect, he also turned to being rude arguing that he had 8 years of experience working on collections and he knew very well how things worked. 
The services received by this collections agency were very poor and the agents were very condescending and rude. Also, how come this is lowering my score for 100 points all at once? 

About this debt, it was a medical service received for my daughter on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX. The insurance company was not billed on time by the doctor 's office, when all my information was provided to them. The hospital and other doctors billed respectively for the same service date and I was never notified there was a pending charge over this. I learned about it later, when it was reported to a collections agency and when that agency notified me via mail ( XXXX ), I reached out to them and the insurance company ( XXXX XXXX ) and they sorted this matter out. They said it was on the doctor 's office side for not billing on time. The collections agency closed the case and the doctor 's office agreed it was a liability on their side. Now, the same account was given to the Nationwide Recovery Systems collections agency, from whom no written notification was received and they reported me as a debtor affecting my credit score greatly.
Product: Mortgage

We signed a Home Equity Line of Credit with XXXX XXXX XXXXXXXX XXXX ( XXXX ) around XX/XX/XXXX. Upon a recent in-person request at a XXXX branch, XXXX acknowledged that our Loan was sold in XXXX, but unable to identify the true buyer ( s ). XXXX only identified the Service Right for our loan was transferred to Specialized Loan Servicing LLC ( hereinafter SLS ) in XX/XX/XXXX. Shortly after the transfer of Service Right, SLS recorded an ASSIGNMENT OF DEED OF TRUST by claiming to have Attorney-In-Fact status from XXXX  with the XXXX XXXX County Recorders Office in XXXX XXXX based on incomplete, inaccurate information and without competent and reliable evidence in support. Subsequently, SLS recorded a Substitution of Trustee by claiming to have Attorney-In-Fact status from XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX ) also without any proof in XX/XX/XXXX. The ASSIGNMENT was from XXXX to XXXX XXXX and the SUBSTITUTION was from XXXXXXXX XXXX to XXXX XXXX XXXX. We demanded from XXXX, SLS XXXX XXXX XXXX via Qualified Written Requests to provide copies of all sales contracts, servicing agreements, assignments with a chronological chain of custody of each, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney ( XXXX to SLS ), related to our loan from its inception to the current date, but all three ( 3 ) firms failed to comply within the timeline as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my XXXX XXXX. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I sent a letter to Conn 's that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions.

Conn 's has reported 3 accounts to the 3 bureaus. Initially all 3 account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to XXXX and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, Conn 's was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked Conn 's to reverse the late payments to OK or paid as agreed.

Conn 's decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
Product: Credit card or prepaid card

citi Card places a 14 day arbitrary hold ( payment float ) on my credit line for purchases when I make an electronic payment on my balance prior to the due date. When I call they advise me because I am a " new customer and we do n't know you or trust you yet so we have to wait 14 days to verify the information from your bank XXXX, due to my payment pattern on auto pay '' * in broken English/XXXX. I made my last payment on XX/XX/XXXX the due date and the funds were transferred from my XXXX account on that date and cleared my bank on XX/XX/XXXX. I was provided a note that my balance was paid and no late fee and payment of {$6000.00} received, however when I went to use my citi visa non XX/XX/XXXX I it was declined I called citi and was told it was due to a 14 hold on my payment, which citi received on XX/XX/XXXX from wire transfer from my checking account XXXX.  Basically, citi is committing fraud by " floating '' my payment of {$6000.00} for 14 days and denying me credit for future purchases why I have made on time payments.
Product: Debt collection

This company I.C. Systems which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit card

We began our account with Capital One on XX/XX/XXXX. 
We have made on-time payments every month. sometimes additional payments. We even paid off the card this past XXXX  unfortunately we had some property damage which made XXXX max out the card. In XXXX our minimum payment was increased from {$35.00} to {$97.00}. We struggled to make each payment faithfully. On XX/XX/XXXX I scheduled our payment as I have always done but it was rejected my XXXX  card XXXX XXXX XXXX XXXX so I used the XXXX  account ( routing # and account # ) process. On XX/XX/XXXX I was notified my payment had been returned ( accusing my bank of being at fault ). Then Capital One penalized me with a PAST DUE fee of {$28.00}. I made a payment of {$95.00} on XX/XX/XXXX then on XX/XX/XXXX hit me with interest charges of {$69.00}. We made another payment of {$75.00} on XX/XX/XXXX with an additional payment of {$500.00} on XX/XX/XXXX. On XX/XX/XXXX logged into the account to see if Capital One accepted XXXX  payment that is when we noticed our account had been restricted. So we called XXXX  service and the automated service stated the account was closed, must contact XXXX  Service after XXXX XXXX XXXX on Monday XXXX XX/XX/XXXX ( the duration of the call was over XXXX minutes ). We were told we breached their contact with another account. We asked for clarification. They told XXXX XXXX times we were being recorded on a recorded line and I told them I was recording them as well, they told me it was against the law to record them. We were never notified of their decision to close XXXX  account. They informed us they closed the account due to the returned check, ( which I stated they penalized us with a charge of {$28.00}. Also, I noticed they took XXXX  rewards away as another penalty. If every creditor would close accounts due to XXXX payment discrepancy I would think they would never make money. Nowhere on the statement XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX, stating the account was closed.
Product: Payday loan, title loan, or personal loan

I got a loan through affirm for tickets to see a fight in XXXX of 2022 for XXXX XXXX XXXX XXXX XXXX XXXX got sick and didn't end up fighting someone else fought I paid XXXX each ticket affirm sent me to collections the seats I had ended up selling for XXXX $ since someone else fought I didn't attend the event at all they didn't refund me or even try to work with me they sent me to collections I tried settling with affirm I reached out to to an attorney who told me to file this complaint
Product: Credit reporting or other personal consumer reports

The 3 big credit bureaus are reporting incorrect outdated and inaccurate information across the 3 bureaus
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended DeVry-affiliated schools, urging immediate action to approve outstanding XXXX XXXX  applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX XXXXisrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXXf Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

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

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$7500.00} XXXX XXXX Balance Owed : {$560.00} XXXXXXXX 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 As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit card

On XX/XX/XXXX at XXXX I placed a call to US Bank to clarify on my availability for notifications upon making a credit card payment. In the past I have had to screenshot or notate the details of my payment at the time of submission otherwise it has not been highlighted upon sign in for my credit card account. Consequently, I have almost made a double payment because I didnt notice any client warning or advisory indicating a payment has already been scheduled. I called in and was connected with a representative named XXXX. Unfortunately, XXXX seemed more focused on her call time than handling my concern with decorum and professionalism. I asked about my available options to get a text or email confirmation of scheduled payments through the US Bank platform. XXXX advised there was an option and it was available in app or online but I must activate this as the client. I proceeded to unlock my phone as I had the US Bank app open. At this point XXXX is eager to rush me off the phone for reasons unbeknownst to me. I communicate I will be locating the setting on the app to appropriately handle my concern. XXXX communicates I need to do this on my own and she can not wait on the phone. I articulate Im not asking her to remain on the line for an extended period but rather to locate the settings in the app. If I jump off the phone and have another question its unproductive to call again, verify my account and wait for assistance when I could simply figure that out while still on the line. She reiterates she is unable to wait and another department will have to assist me if needed. To say I was bewildered would be an understatement as not even 15 seconds had passed from my question being answered to the moment XXXX self centered focus of rushing me off the phone had ensued. Not only was this unprofessional but it was counterproductive to the agents self self serving agenda. I called proactively to be enlightened as how I could better manage the financial account activities and the agent was so rigid about her call time being cut short that she only prolonged the call. This call should be audited for a quality assurance evaluation because I can not imagine that rushing the client off the phone is part of the training process and protocol for one call resolution and satisfaction. Coaching would definitely be essential to promote the development of self awareness, professionalism, and professional competence that XXXX clearly struggles with. I have been a US Bank client since XXXX and have never experienced such arrogant and dismissive behavior from one of their employees of any branch or department. Do better!
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.