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

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of CFPB LAWSUIT, my financial institute had failed to to investigate my claims regarding Zelle adequately.
Product: Mortgage

We sold our home in late XX/XX/XXXX. We had an escrow balance of {$1400.00}. We received a letter from XXXX XXXX/Dovenmuehle clearly stating the amount of the refund and that they would be issuing it. 

Following the sale of our home, we moved our family out of state for a new job. As you can imagine that took up a lot of our time during XXXX and XX/XX/XXXX. In XX/XX/XXXX, I still hadn't received the escrow refund so that's when the phone calls to XXXX/Dovenmuehle started. Between XX/XX/XXXX and XX/XX/XXXX, I've called XXXX/Dovenmuehle at least 7 times with no one providing any clear answers. The most common are, " it's processing '' which it has been since XXXX, or " we're trying to fixture out why it's not able to be delivered, call USPS to see if they can give you any answers '' although they repeated our new address plenty of times and we have our mail routed from our previous address so there's no way it could go end up missing the number of times they have said a check has been sent ( more info on that below ). Moreover, we have the USPS Informed Delivery which tell us exactly which pieces of mail will be in our mailbox that evening and never once has anything from XXXX/Dovenmuehle showed up in the app or in our mailbox. Over this time, I have talked with two supervisors who show zero concern to help in retrieving the funds. My most recent call was yesterday afternoon and the highlights are below : XXXX/Dovenmuehle has stated that the check was initially sent out on XX/XX/XXXX, which we did not receive. On XX/XX/XXXX I placed a call to determine the status of the original check. They stated that since I have not received it and it has not been cashed, that they would re-issue the check. They can not, however, tell me the exact date in which that check went out because it holds the same check number as the one that was sent back on XX/XX/XXXX which is odd to me. If that check with the specific check number went out already, wouldn't they have to re-issue another check with a NEW check number? On XX/XX/XXXX I still had not received the check that was sent on/around XX/XX/XXXX and ANOTHER new check request was made at that time, but again - same story, they can not say difinitively when that check went out because it had the same check number as the last two. I've learned to understand that mail can get lost from time to time, however, three times? That's more than a coincidence, especially since they have our new address so it's not a forwarding problem. 

On XX/XX/XXXX I called again to check on the status - this was the first time I spoke with a supervisor. I made a request to have the funds wired to me due to the issue with receiving a check and the amount of time that has already passed. It is " not in their policy '' to do that so that requires approval. As of yesterday, XX/XX/XXXX, my wire request had still not been viewed or approved - so I continue to wait. 

I was unemployed for 8 months due to the pandemic and we are looking to buy a house shortly in the future. I am desperately asking for help in retrieving the funds that were in my escrow account with XXXX/Dovenmuehle.
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. 


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: Debt collection

XXXX XXXX XXXX is reporting a debt on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the 3 major Credit Reporting Agencies and it was removed from 2 out of the 3. The response from XXXX  was that XXXX XXXX certified it as mine. I then sent XXXX XXXX ( the Furnisher ) a direct dispute via certified mail according to my rights ( FCRA and CFR 660.4 )  but never received a response. The letter was signed for by XXXX XXXX according to my proof of receipt ( see attached ). This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness. I would like it deleted from my XXXX credit report ASAP.
Product: Credit card or prepaid card

Discover has on several occassions conducted dubious investigations on my disputes on various transactions. As a result my balances have been incorrect and when I requested that the Executive office conduct an invesigation at least 3 times they neglected or refused to oblige. This continued until finally they unjustly without even notifying me closed both of my accounts. They demanded payment but due to their refusing to service my accounts I withheld payment.. I have filed disputes with XXXX and also at one point was dealing with Lexington Law to handle the issue on my behalf. All Discover had to do was conduct processes fairly and justly. They did not. As a result I have the right to withhold payment.. Since then they have wrongfully charged off my account and have adversley affected my credit score thus affecting my purchasing a house and other rights and priviledges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated three investigations into a dispute that I have with CoreLogic Credco regarding inaccurate information on my credit report with this company. The investigation results were completed : XX/XX/2018, XX/XX/2018 and XX/XX/2018. The person who has several mortgages, property transactions, addresses, property sales and loans listed on my record lives in XXXX Colorado and has a different middle name than mine. I have submitted evidence of my identity and have never lived in Colorado nor even visited the state. I also have never obtained a mortgage. Each investigation verifies that these mortgages are mine plus the addresses. I am seeking help in solving this matter. Thank you.
Product: Mortgage

On XX/XX/XXXX, I provided a cashiers check in the full amount of endebtedness outstanding of {$62000.00} payable to Bayview Loan Servicing LLC to XXXX XXXX XXXX XXXX to stop a trustee sale of the property at XXXX XXXX XXXX XXXX XXXX, Idaho XXXX that I received by deed from the prior bankrupt owner as part of a Bankruptcy Court ordered settlement of my judgments against the prior bankrupt owner.

Because I paid off the entire loan, Bayview should have recorded a release of their deed of trust.

In XX/XX/XXXX, I am attempting to refinance my property, and title shows that the deed of trust has never been released.

My title company has been contacting Bayview for months with no results.

Can CFPB get Bayview to release the paid off deed of trust?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX NA, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, XXXX, and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXXA, ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Prepaid card

I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX has violated my rights. 

i've already disputed these items, but they did not remove, nor prove validation. 

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
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, Ca in XXXX. The finance company Wells Fargo. I immediately purchased insurance from XXXX XXXX and they cancelled policy shortly after for unknown reasons. I purchased insurance with other insurances too however this was by far hard to do making minimum wage at the time. I struggled immensely, to the point of being homeless and living in a motel and in my car for months. Wells Fargo added insurance policies to my monthly statements making nearly impossible to pay and leading up to repossession not once but twice. I was very vocal about requesting extensions and giving me time to pay the fees on top of fees which again made it impossible to stay up to date. Not only that, but this car was a damaged car, repair after repair and fees after fees. Eventually lost the car to repossession and not being able to retrieve it. I struggled financially for years and years due to this car loan. I applied for numerous loans after this for a car and was denied over 60 times. I was shorted from getting an education because I did not have the means to travel to work then school. I was shorted for career advancement due to commute issues. I was shorted from financial ventures because I couldnt get the credit. This ruined my chances of doing good for myself. I am enclosing all the proof showing i did my best but Wells Fargo on the contrary showed no empathy for my situation and many others. Its a shame that because of them I have fallen into financial stress, XXXX, health issues, deprived of an education, deprived of career advancement, everything was ruined due to this loan. Please review. I am requesting compensation for all the damage they have caused me.
Product: Credit reporting or other personal consumer reports

There is a XXXX collection item on my credit report that is ten years and three months old. 

I have disputed for age with XXXX and they have already removed this from my account. However, Equifax insists they will keep it until XXXX of XXXX, more than a year beyond, as they claim they calculate from date of first delinquency, not date of account open. But the date of first delinquency is more than seven years and also more than ten years old now. 

Equifax as made it more difficult to request via dispute as none of their online forms allow you to directly dispute the aged removal, they have compounded this difficulty by making all email responses from a 'no reply ' account that avoids fruitful dialog with them company, and even when attempting to resolve with their consumer support telephone line, they provide no escalation except to have someone email you ( from yet another no reply account ) leaving consumers without a meaningful path to progress in the face of legitimate disputes. 

I have spent more than two weeks now attempting to get this resolved and all I get is " our policy is that we .... '' even when what they are doing is clearly not aligned with existing laws and the regulations of the FCRA.
Product: Payday loan, title loan, or personal loan

When I applied for this loan, it was not disclosed to me that my loan balance would increase. I was not made aware of this. I will not repay this loan back because the balance continues to increase. Please help me thank you!
Product: Debt collection

No Proof of Contract : I request removal of this collection, as XXXX has not provided proof of a signed contract or valid evidence of the debt under the Fair Debt Collection Practices Act ( FDCPA ). Without this proof, the debt can not be legally validated. 

Violation of FCRA Reporting Standards : Under Section 605 of the Fair Credit Reporting Act ( FCRA ) Since no valid proof of the debt has been provided, I believe this collection should be removed.
Product: Checking or savings account

Hello I filed a claim on my XXXX funds through bank of America for {$9600.00}, that someone has transferred money out of my account. After waiting a month Bank of America transferred the money back on the card ( after on the phone with them for over XXXX hours ), Two days after receiving the funds, the same person takes out {$5300.00} ( available amount, because i tried to withdraw the money as soon as it became available, but bank of America only allows {$2500.00} at a time ), Now my personal information is floating on the internet due to Bank of America ( because the person who took the money has called me numerous times, and has all of my information readily available ( including bank security questions which were changed couple of days prior ). 
I've now on the second claim have called and talked to the customer service and their supervisors 9 times and over 8 higher up supervisors, each one telling me how sorry they are, and that they are emailing their higher up supervisors and managers, each one with different useless information, and promises that are never fulfilled.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago, after they were hacked, I placed a freeze on all three major credit agencies regarding my credit report. I was attempting to purchase an auto and was reminded of the freeze. XXXX  and XXXX  rapidly removed the freeze at my request. Experian, however, made this virtually impossible. They would not remove via their website but required me to send much hard copy information, including copies of my SS card and Drivers license to a P.O. Box in Texas, no street address was available and no human could be reached via phone. 

I sent the information requested in two complete packages, one on XX/XX/2019 and one on XX/XX/2019. IN response, I got an unidentified text message with a one time code. I was not told how or were to use if at all. So, I went to their website, input the code which the computer seemed to take and lo and behold, my credit report with them remains frozen. 

Now, I am in serious risk of breach on my auto traded in via XXXX XXXX XXXX because the dealer has never applied for a loan as the Experian report remains frozen. I am at a loss about what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay is being intentionally deceptive by refusing to provide me with a way to resolve this debt. I have tried for months ( beginning late XXXX 2023 ) to determine the correct owner of this debt to get this resolved. Barclay refuses to provide me with information to resolve this debt beyond a number and company name that is only three letters. This account was investigated by XXXX within 24 hours on XX/XX/2023, and I have not received owner of debt, contact information, or account number. This is an FCRA violation that occurred during the height of pandemic.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA for continuing to report late payments on the account XXXX XXXX when the creditor submitted a manual update in XX/XX/2024. The creditor responded to CFPB complaint XXXX stating that the account qualified for a credit adjustment and that the credit agencies would be notified and to expect the update within XXXX days. It has been well over 4 months and this account remains. Please see the attached response from the company and remove this account within 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I got an alert from my credit report that I had received a 30 day late on my XXXX account. I called XXXX immediately and they told me that I would need to dispute it with the credit bureaus as they did not report a 30 day late. I immediately did an online dispute to all the credit bureaus and they all came back a couple days later saying XXXX said the 30 day late was accurate. 
I decided to do another dispute via certified mail and also sent a copy of my payment activity. XXXX removed the late as I show proof I was never 30 days late but Experian did not. I got my results today from Experian and decided to call them and ask they why it wasn't removed when i sent you proof of me paying every month. They told me they did not get my proof but they did get the dispute letter ( although both were in the same envelope ). 
I then called XXXX again today ( XX/XX/XXXX ) and they told me there is no 30 day late and that I needed to dispute it again with the credit bureaus. I have never been 30 days late with XXXX. All of my payments come directly from my checking account every month automatically, unless i make a extra payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looks again this month on my credit report for Equifax. Again still showing an inquiry from XXXX card service- national credit card Cos. This was not made by me. This was done fraudulent. Part of identity theft. I was told in an email and it was reported by Equifax this inquiry will be take off. Still today it has not been taken off. Please take off this fraud inquiry thank you.