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 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. I use Zelle so often that is a concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score. 
Account : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are creditors on my account that I don't recognize.
Product: Credit reporting or other personal consumer reports

I know I always pay on time, but I dont understand why XXXX being reported as late in some months. Under XXXX XXXX, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payment entries on my credit record. After examining my file, I found these late payment notations. I sent correspondence about this issue more than 30 days ago but have received no reply, nor have I been given adequate validation. I seek your help in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, XXXX  report showing this unlawful NA under XXXX XXXX XXXX. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX  XXXX Inquires : XXXX XX/XX/XXXX XXXX XX/XX/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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX Equifax Employer : XXXX Address : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to XXXX, XXXX and TransUnion regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Checking or savings account

On XX/XX/22 XXXX I emailed chimes Customer support and explain to them that Iam a new father I just had XXXX XXXX and I just came home from being in XXXX. 
I wasnt trying to give some sob story just the truth.. so I asked how can I access my account without the original email and or cell phone number I signed up with.and so when I get a response back on XX/XX/22 @ approximately XX/XX/22 a little after XXXX there employee XXXX stated. Thank you for reaching out to Chime Member Services. For security purposes, if you are a Chime member please contact us again from the email address associated with your Chime Account or in the chat feature of your Chime app. 

If you are a Chime member and can not access the account email, please verify your identity with a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. 

I'll be happy to further assist you in updating your account email address and phone number after. 

Thanks, So I did as I was told and responded back with a picture of my id a piece of paper stating Iam me and the date and time and so Im waiting and now its a different employee emailing me buy the name of XXXX and on XX/XX/22 at XXXX had stated Thank you for reaching out to Chime Member Services. Rest assured that I am here to provide you with the best assistance! 

Please let me know if there's anything else I can help with. 

Thanks, XXXX | Chime Member Services A while goes buy and then I get a email from another employeeemployee buy the name of XXXX and on XX/XX/22 he states he told me they determined my account is being closed because it doesnt match with something and when I continued to try to talk to him as to why whats cause is justified to close my account and he just kept saying read the terms and I said I have and yr stating why my account being closed just not even responding at this point to non of my emails that account still had XXXX bucks So I simply as if they would at least send me my money in a check but I havent received any response and so I asked to get there supervisor to call me and no response nothing I really need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HEPPA, or can not be verified. as is my right, I am requesting verification of the following items.

ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX Balance : {$700.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$160.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Balance : {$580.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$76.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Mortgage

I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. 
Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. 
Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much!
Product: Student loan

In 2006 I took out a federal student loan in the sum of {$12000.00}. This loan was assigned to CLC and then XXXX. I fully and completely paid off this loan online. The assignee now falsely claims that I not only have not paid off that loan, but that I have two additional student loans which are being reported as delinquent, thereby adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency needs to remove student loan from report due to incorrect information.
Product: Vehicle loan or lease

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXXy Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXX Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX/XXXX  got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX  XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, XXXX
Product: Debt collection

I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

My loan was transferred to Shellpoint Mortgage right after I returned to the country and afer the cover crisis started. I believe this was done with an intention so I refused the transfer but later found out that I dont have option other than continuing with them but as I suspected I have been going through lot of issues with them. They will keep requesting for information even after I send insurance info as if I never responded their mails. They I initially didn't even respond for my Forebearance request after I was affected by the pandemic, and later after filing a complaint I received a response. The representative assigned goes without answering my emails and phone calls for several weeks letting me hang in the middle with no clue on my forbearance request as they told me that I have to apply every month. But all of a sudden they approved it for 4 months once. In 5 months time I made payments for 2 months and I was on a deferment but all of a sudden they said I am approved for only 2 months but even with that they had me on deferment for 3 months and they said I can be on deferment for the dues but suddenly stopped it for the month of XXXX and when I asked for the reason, they are not sure why they did that. I have been waiting for the forbearance request for the month of XXXX but I still don't know what decision they have made. It's like they are waiting for me to spend rest of the money and then come back and say that I am not aproved for forbearance. There's also a practice of harassment where I will be circled around from one rep to the other where they keep hanging up in the middle of the conversation until they have someone who they think is capable of tricking me into a situation where it will cost me my home. One of the reps told me that I have to make a payment even if I am on forebearance so I did make a payment borrowing but they immediately removed the deferrment and also delaying the forbearance approval. I have been going through this pattern since I was with XXXX XXXX. Its like I shouldn't live in my home otherwise it will be take. Away from me. When I had it rented out for 2 years I never had any issue with the bank but right after I moved in I have been fighting to keep my home. The bank of denying the same privileges they are offering other customers without an issue. Also the point of contact they have assigned goes on a vacation or a break wah too frequently and leave me in limbo. Where other representative start harassing me with phone calls asking me to make a payment whole waiting for a response from my point of contact regarding forebearance. Last month at a very crucial time someone updated my account with a phone number I don't own in order to acojd bank from contacting me for any issues. I often don't receive the letter they say I received but never got that in my mailbox. also, they blocked me from applying for forebearanxd from online and they never gave me an explanation on why they did that.
Product: Student loan

For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX. 

XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are  disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.