23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 recent CFPB lawsuit highlighting significant issues with the platforms. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They told me that trying to recover lost funds is impossible that tracking these transactions was impossible. The CFPBs findings indicate that Zelle has not only neglected protected customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
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 of recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies myXX/XX/XXXX and Zellefailed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions would be infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I received an email this morning stating my direct deposit was rejected. Attempted to access my account and was not able to do so but via the app. Called the number on back of card and was told account is permanently suspended. Tried to speak with an agent was not able to do so, call just disconnected once I was told account is permanently suspended. Received a second email stating account was suspended due to terms that were violated in consumer user agreement but does not state the violation nor does it give any further details. I have funds in the account as well as pending transactions totaling an estimated amount of {$520.00}. I had 4 direct deposits rejected this morning each amount for {$600.00}. The section the reference states it would not close account with funds available but they did just that. Im not sure how to retrieve my funds or who to speak with. I just want all funds returned immediately.
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 any 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

The complaint is with TransUnion credit reporting agency. Have doesn't two days navigating the online ( web ) process as well as the call and chat services to unfreeze a credit with them I placed due to identity theft issues in the past. 

All automated services do is cycle through a loop to collect personal information and updated biographical data and emails, then tell you they are unable to verify any information or help you anymore and cycle you back through the system. Never allowing you to talk to a live person. 

Had no problems with lifting the freeze through XXXX or XXXX, worked smoothly.
Product: Credit reporting or other personal consumer reports

Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing XXXX credit report as well as others by means of their own website as well as through the XXXX  method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information and material required by XXXX they have refused to comply with my request for correction and investigation
Product: Credit reporting or other personal consumer reports

I will attach pdf file I reported to XXXX These inquiries are not authorized. This is fraudulent and request to have the following inquiries removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts with US DEPARTMENT OF EDU was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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. 

US DEPARTMENT OF EDU 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!

Delete the late payments from my consumer reports
Product: Student loan

Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

Hey this is XXXX XXXX writing for the XXXX time about the same thing with State employees credit union, i have not got a word back from almost make me think the debt is not mines because where is the 1099-c for the these charge offs on my report, why was dates incorrect nothing was matching up. I have asked for Validation of debt and verification of debt. they have been reporting incorrectly on my account for years is what it looks like. please handle this promptly as you can
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$340.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease from Nissan-Infiniti starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to Nissan and they verify that my account is payed off and close. But the credit report company got different info.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.
Product: Student loan

From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report that I recently reviewed. Upon examining my credit report dated XX/XX/year>, I identified certain inquiries that I do not recognize and believe were made without my authorization. These inquiries are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries may only be made under certain permissible purposes, such as with my explicit consent or in connection with a credit transaction initiated by me. Since I did not authorize these inquiries and have not initiated any recent credit transactions with these entities, these inquiries appear to be in violation of the law. 

I request that you immediately : Investigate these inquiries. 
Remove all unauthorized inquiries from my credit report immediately. 
Provide me with the results of your investigation, including the details of who initiated these inquiries and their stated permissible purpose. 
In accordance with my rights under the FCRA, I expect that this matter will be addressed promptly. I would appreciate your written confirmation of the removal of these inquiries and the steps taken in response to this letter. 

Please consider this a formal dispute of the unauthorized inquiries. Thank you for your prompt attention to this matter.
Product: Debt collection

Optimum Outcomes, Inc is in complete violation of the FCRA, HIPPA, and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company and they have no validation that I owe any debt to there company.
Product: Credit reporting, credit repair services, 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 Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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 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

In XXXX of XXXX, Westlake Portfolio started sending notifications to submit payments in regards to my auto loan with my lienholder US Auto ( sales ) LLC. Westlake Portfolio states that they have the contract from my lienholder to accept payments and to take over contractual agreements that were bonded with US Auto ( sales ) LLC. When I spoke with Westlake Portfolio ; representatives that I would speak with would state that Westlake Portfolio were only available to collect payments and they were not able discuss any contractual terms. Since that time Westlake Portfolio has been calling and demanding payments for my auto loan with US Auto sales. XX/XX/ XXXX my vehicle was stolen from my home, I called Westlake Portfolio to inquire about my GAP insurance and I was told that they were not able to discuss anything with me about my coverage. I have also tried asking Westlake Portfolio about having my title which was stated to me they do not have. On XX/XX/2023 Westlake sent a wrecker to my home with a digital order of repossession. Westlake Portfolio sent me a certified document stating that my car was going to be sold at an auction. Westlake is also demanding payments for the vehicle I no longer have possession of.
Product: Debt collection

In XX/XX/2018 I pulled all 3 credit reports from all 3 credit bureaus. I noticed CAINE & WEINER listed as a collection. In XX/XX/2018 I disputed alleged account with all 3 credit bureaus. It came back as verified in XX/XX/2018. I have not received a dunning notice. I also was not informed within 30 days of placing negative information into my credit file. You have trampled my rights to due process.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection and safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.
Product: Student loan

During the Biden Presidency he enacted plans for student loan forgiveness programs for folks like myself who have had trouble paying these unfair loans back. However, in order to reap these benefits, I had to switch to the government 's preferred loan servicer. So, I switched from XXXX to XXXX in the hopes that my student loans from XX/XX/XXXX would finally be forgiven. This never came to fruition obviously. Since then my loan has been bought by Aidvantage from XXXX. Under my old XXXX IDR program ( income driven repayment plan ) I had a 20 year cap on my loans, which was set to come due this upcoming XX/XX/XXXX. However, when I reached out to Aidvantage they informed me that when I switched from XXXX to XXXX, only so I would receive the government benefit of loan forgiveness, this changed my IDR plan to 25 years. I obviously would have NEVER agreed to this change had they not fraudulently duped me with promises of loan forgiveness. And when the loan forgiveness programs were largely abandoned I am now stuck paying these loans for another five extra years???? Because I switched plans to receive a government program that was nixed? This is criminal. Forcing people into worse loan terms by dangling loan forgiveness. I will not be paying these loans passed XX/XX/XXXX. I hope this can be worked out before then.