23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, personal loan, or advance loan

To : Consumer Financial Protection Bureau ( CFPB ). 

Subject Complaint to Re : EXPERIAN FAILURE TO REPORT ACCURATE, COMPLETE AND TO VERIFY INFORMATION BEFORE REPORTING XX/XX/XXXX Dear Consumer Financial Protection Bureau, Due to the recent lawsuit filed against experience in XX/XX/XXXX. I insist that EXPERIAN conduct an investigation as they are required to do by the l FCRA. I will highly recommend that EXPERIAN do not accept the findings of the furniture who do not provide thorough results of the investigation. 

This ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT AMT., : {$300.00} This account does not belong to me. Furthermore this item was purchased by a THIRD PARTY COLLECTION AGENCY. As we know THIRD PARTY DEBT COLLECTORS pay less than owed from the original creditors balance. 

How much did the collection company pay for this item, don't know, and neither does my credit report reflect the amount this is a clear violation of the FCRA as this is not accurate or complete. Delete this immediately. Please do not send my results through the online portal. I would like to have my results through the mail. 



Thanks, XXXX XXXX XX/XX/XXXX Last 4 of SXXXXS. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not conduct a proper investigation. The dispute was updated as " verified '' under 24 hours.

Please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Mortgage

Subject : Urgent Request for Resolution Incorrect XXXX Form and Overpayment Issue Dear CFPB Representative, I am writing to formally bring to your attention an issue regarding the sale and reporting of my home property on XX/XX/year>. The XXXX  has informed me that an incorrect Form XXXX was provided for the tax year 2022 by my mortgage servicer : XXXX XXXX XXXX XXXX Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX Customer Service : ( XXXX ) XXXX Loan Number : XXXX Despite my repeated attempts to address this matter with the mortgage servicer, I have not received any meaningful assistance. Over the past three weeks, I have made multiple requests to correct this issue. Most recently, I spoke with a supervisor named XXXX XXXX, who provided me with ticket # XXXX in response to my request. However, I have yet to see any progress in resolving this issue. 

Additionally, I have concerns regarding an overpayment during my loan payoff. On XX/XX/year>, the XXXX XXXX XXXX forwarded {$360000.00} to the mortgage lender, while the exact payoff amount was {$360000.00}, resulting in an overpayment of {$910.00}. I have not received an explanation as to where these excess funds were allocated. 

This mortgage servicer has consistently been difficult to work with when addressing issues, not only with this matter but also since the original loan date. I have attached supporting documentation to substantiate my claims, including records that indicate an IRS interest and penalty assessment exceeding {$250000.00} due to the incorrect XXXX form. 

I am requesting the CFPBs assistance in ensuring that Shellpoint Mortgage Servicing promptly corrects XXXX XXXX and provides an explanation for the overpayment. This correction is critical so that the XXXX can accurately update my records. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. Please feel free to contact me at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We have applied and been denied to three different modifications. Every Time we talk to someone in the mortgage review department we get a different story : add your wife, do not add wife to loan, don't add additional income you need more income. never told us what programs were even available, just that we made too much money or not enough. We are told if we send in payments they will be sent back. We make enough money to pay for our home. We are told not to submit both of our incomes. Its a complete nightmare. We have XXXX children and work hard to keep our home. We have begged them to put what we owe on the back end of the loan, and even increase our monthly amount to pay them for the few months we were behind. 
We do not qualify for any modification. I feel there should be some bracket we fall into. We are losing our home with XXXX kids, have no where to go, all due to a glitch at wells Fargo.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to request assistance from the XXXX regarding my issue with the XXXX credit bureau. After conducting some research, I discovered that the CFPB is responsible for overseeing credit reporting agencies. I kindly request your consideration of this matter, as I urgently need to remove errors from my report due to medical reasons. 

I sent a letter on XX/XX/year>, citing errors and inaccuracies in my credit report, and received a response within 30 days. However, it has now been over 35 days and I have not received any notification. I am providing the letters I sent out for you to review, as this will serve as my first step if I need to pursue this complaint further. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal credit union is reporting 3 closed accounts from 2013 on my credit report they continue to do so after disputes have been won in my favor. Please stop all reporting from Navy federal CU
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )
Product: Credit card or prepaid card

I made a payment through my web bill pay account at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$400.00} to XXXX XXXX Credit Card ( Synchrony Bank ). I noticed the payment was missing when I was reviewing to file my taxes. I disputed the transaction with my bank on XX/XX/XXXX but Synchrony Bank could not find the payment. Ever time Synchrony Bank charges me for the payment I file a dispute. My most recent dispute was filed at XXXX XXXX XXXX XXXX with a girl named XXXX and she told me XXXX XXXX XXXX XXXX  received notification from Synchrony Bank that the original payment was received back XX/XX/XXXX. I am so frustrated that the payment has not been found for the last year and two months.
Product: Credit reporting or other personal consumer reports

I don't want this on my report, it hurts my credit history and it's not mine. 

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

This is a continuous problem from cfpb # XXXX dating back to XXXX. XXXX, XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor XXXX  XXXX XXXX, nor have I received any information. XXXX  XXXX XXXX chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer XXXX the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement XXXX took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " Fair '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered XXXX and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.
Product: Credit card or prepaid card

On my Sears Credit Card account ending in XXXX, I was charged {$800.00} for a purchase at " XXXX XXXX  '' earlier this year. I do not recognize this purchase, nor do I recall it, so I believe this is a false and fraudulent transaction. I contacted Sears Mastercard online and notified them of the billing dispute. The account ending in XXXX was terminated and I received a new account ending in XXXX. I received correspondence from Sears Mastercard dated XX/XX/2020, stating that they were investigating the alleged charge. On XX/XX/XXXX, I received another letter stating that the investigation was completed and that that disputed charge ( and another one ) had been deducted from my account plus related fees and interest. The billing statement for XX/XX/2020, indicated a credit for {$800.00}. Then, the billing statement dated XX/XX/2020, contained a purchase for the same amount : {$800.00}. I contacted SearsMastercard by telephone and spoke to " XXXX '' and asked why the disputed charge and been added on to the new account ending in XXXX. She said SearsMastercard would look into it and contact my by mail with their result. I received a letter from them dated XX/XX/2020, stating that they had determined that I was responsible for the {$800.00} charge because I had not identify disputed transactions. The billing statement dated XX/XX/2020, indicates that the disputed {$800.00} has not been deducted from the new account. On XX/XX/XXXX, I wrote to Sears Security Operations ( who had written the XX/XX/XXXX letter to me ) stating that I had identified the disputed charge, that it was the {$800.00} arising from an alleged purchase at " XXXX XXXX. '' and that I continue to dispute any such charge and asking them to provide me with any contrary information and documents they might have. To date ( XX/XX/2020 ), I have received no response from Sears Security Operations or SearsMastercard. I continue to dispute the {$830.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX*has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.
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.This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.