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

I am writing to formally expressed my concern regarding Zelles handling of disputes mostly because 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 told me that recovering lost funds was impossible and tracking and that tracking the 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 over consumer safety. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked in the 2017 Equifax data breach. Those accounts involved in the data breach are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Department of Education
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps incorrectly showing my account as being late. They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/XXXX. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. I tried to dispute this with Transunion, but their website is not allowing me to start a new dispute.I am not 30 days late and did in fact pay my XX/XX/XXXX payment, and my XXXX and XX/XX/XXXX payments.
Product: Debt collection

Midland Credit Management garnished my wages without proper notice of lawsuit. A court order was never issued nor was a court date scheduled/held. This wage garnishment began in XX/XX/year>. I never received a court date. This garnishment is unlawful.

Total judgement Due = {$3500.00} with Payroll Deduction Amt = {$220.00} Per Pay
Product: Payday loan, title loan, or personal loan

Hello. I borrowed {$200.00} from MaxLend account # XXXX. I have paid back {$280.00}, which is 70.75 % interest. 

Yes, I was desperate at the time and really needed the help, but in the USA, loans above 24 % interest are considered predatory and is usury. I apparently have like 10 payments left. 

They have you sign an agreement@ 685.40 % interest, so that I would be responsible to pay {$1000.00} for a small {$200.00} loan. This is ludicrous to say the least. 

I had the same situation with a company called XXXX, but they understood that they were being predatory and lowered my loan to a reasonable amount. I've called MaxLend twice concerning this... The 1st time I had to get a call back from a supervisor. My phone recognizes them as spam so I didn't receive those calls, the 2nd call was today, I was put on hold for over 25 minutes... I had get back to work. 

This is going to make me have to rearrange my banking situation which will be a hassle. But I can not justify paying another dime to MaxLend for such a small loan. 

Also the immediate payoff at this point would be an additional {$240.00} totaling {$530.00} which would be a interest rate of 265.55500 % which is 241.555 % over the USA predatory lending limit.
Product: Credit card

I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.
Product: Payday loan, title loan, or personal loan

I took out a {$2000.00} line of credit with cashnetusa. I have paid them over {$2100.00} to date over a 3 month period and yet I still owe over {$1900.00} which goes up daily. I tried to call and talk to cashnetusa about not being clear on the interest before o took out the loan and they denied that anything was misleading. When I took out the loan I asked if it was high and the representative told me it wasn't and that it was only XXXX. Something per day and didn't explain the 299 % interest during the call. This is not right.
Product: Credit card or prepaid card

Capital one keeps reporting an account to all credit reporting agencies as mine. Ive contacted capital one numerous times and advices that account is not mine and Im a victim of identity theft. Ive provided capital one with police report however they are keep reporting and not removing this account.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/year> XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear XXXX  Dispute Department, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. These inquiries are negatively impacting my credit profile and were not initiated or authorized by me. 

The hard inquiries in question are listed below : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) has highlighted systemic failures in XXXX 's dispute investigation process. Specifically, the CFPB 's lawsuit alleges that XXXX has conducted " sham investigations '' and has failed to properly investigate consumer disputes, which directly violates the FCRA. 

Given this context, I am requesting the immediate removal of the aforementioned unauthorized hard inquiries. 

I expect XXXX to conduct a thorough and legitimate investigation into this matter and provide me with evidence of the authorization for each inquiry. If XXXX can not verify the legitimacy of these inquiries, they must be promptly removed from my credit report in compliance with federal law. 

I request that you complete your investigation within the FCRA-mandated 30-day period and send me the results in writing. Please con rm that you have removed the unauthorized inquiries or provide evidence of my consent for these inquiries. 



If this issue is not resolved, I will escalate the matter by ling a formal complaint with the CFPB. 

Thank you for your prompt attention to this matter. Please con rm receipt of this letter at your earliest convenience. 



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

I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against transunion, XXXX and XXXX  as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Transunion, XXXX and XXXX   arbitration bylaws .Transunion , XXXX and XXXX   removed accounts and readded them back on my credit report and due to the FCRA , I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Transuinion, XXXX and XXXX did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Transunion, XXXX  and XXXX  reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As transunion, XXXX  and XXXX has violated the  FCRA..Transunion, XXXX and XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX {$6000.00} XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX VP/Sr XXXX of Regulation and XXXX XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX XXXX Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vice president chief legal XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX and XXXX Transunion XXXX XXXX XXXX XXXX XXXX Vice President Transunion XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXX Transunion XXXX XXXX XXXX XXXX Senior analyst consumer experiences Transunion XXXX XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX at approximately XXXX am, I received yet another harassing emails from XXXX about my student loans. It is the same email that they sent to my account. This email was sent to my inbox after I submitted a complaint about the fees that they placed on my account. I want the harassing emails to cease.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on FAIR COLLECTIONS & OUT XXXX Balance Owed : {$940.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my experian credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

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.
Product: Vehicle loan or lease

In XX/XX/2022 Toyota Financial reported that I missed a vehicle payment that month. I always make a payment towards my vehicle. I contacted TFS and requested to have their credit department remove this error from my credit report. They refused to and has impacted my credit report. In XX/XX/2022, after reviewing my credit report I noticed that TFS had moved that same " late payment '' error from XXXX to XXXX. I know for a fact I was never late 3 months in a row ( XXXX, XXXX, XXXX ) or the vehicle would have been repossessed. The " late payment '' in XXXX was no longer showing late rather they moved it to XXXX! This is not the type of business I want to be doing with a company that is dishonest and plays around with customer 's credit. I work very hard to have my credit impacted because of the TFS ' oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting a 30 day late payment on the XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with chase, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Product: Mortgage

We began the application process in XXXX of XXXX and went under contract on XX/XX/XXXX with a closing date of XX/XX/XXXX. Weve provided all necessary documents and statements within a timely manner. On XX/XX/XXXX, my husband and I inquired about options to reduce our monthly payment and on that day, our Loan Originator provided us with the options- a rate buy down OR a 5 % down payment. After discussion and finding out that both options would only afford a minimal reduction to our monthly payment, we decided to keep things as is. On Monday, XX/XX/XXXX - 4 days before closing, we were advised that we now have to put down a minimum of 5 % which equates to an additional $ XXXX that we have to bring closing in just 3 days. The reason for the increased down payment is due to our lender advising us incorrectly that we could put 3 % down for a conventional loan, even though we were pre-approved for and the initial loan estimate disclosed the 3 % down payment, and this is not a result in change of circumstances on our end. At this time, lender has only reduced the origination charge by a minimal amount to remedy this situation. We sold our home on XX/XX/XXXX and are now being forced to bring this additional money to closing due to the lenders error, without any clear explanation as to what changed. Updated closing disclosure shows that we increased the down payment amount, which is not true.
Product: Credit card or prepaid card

Bank of america closed my two accounts without any warning or anything. One has been open since XX/XX/XXXXand other since XX/XX/XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these two accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and some inquiries are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Property : XXXX XXXX XXXX  XXXX XXXX, CA Buyers : XXXX XXXX, XXXX XXXX and XXXX XXXX Single family home ( rental ) Sold and held in aXX/XX/1031 exchange for next property Lender : Wells Fargo Mortgage, XXXX, CA failed to close on time ( 30 days ) because they kept losing our documents ( 3-4 times ) even though the documents were either hand carried in to their office or put in Wells Fargo overnight bag. I have over 200 pages of docs and email stating we must close or face a $ XXXX  IRS bill. Our loan was elevated up to the branch manager who did nothing. Then it was elevated up again to the area manager. He could do anything except apologize for the lost documents. This was approximately a 10 % loan 1-4 units. We were putting $ XXXX + down payment. We were within days or either closing with all cash or pay the IRS. We closed with cash. Even after I email them and said we are closing all cash, no denial of the loan was recorded for any reason, nor was any form sent out to us. I requested all our documents back to re submit to a new lender. The underwriter sent about 10 documents. I emailed back and said Im filing action with the government for your actions. She then sent about 90 %. 

I have all emails ( maybe 50 ) from all the Wells Fargo employees for our review. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX  XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.
Product: Debt collection

XXXX called, I did not answer. They left a voicemail identifying themselves as Nationwide Recovery Service, a debt collection company, attempting to collect a debt. not a sales or telemarketing call. Please contact us regarding an important business matter at XXXX. I called back, to speak with a representative, whom asked me for an account number. I explained it was a voicemail, and I was concerned this was a scam attempt. She could not find my account with the cell phone number they left a voicemail on, and asked me if there would be any other phone numbers affiliated with this account. I said no, and reiterated that they just left a voicemail on my phone two minutes ago. She put me on a brief hold ( 3-5 minutes ) ; then returned to the line, asking if I was Jane Doe ( not using my real name in this report ). Unfortunately I said yes, even though I had identified myself upon the initial call. She then asked me if my date of birth was XX-XX-XXXX. I stopped, and said I was not giving any more information. I asked what this was in regards to, and the woman said an important business matter. I told her I never received a letter, and I was not going to release any information until I knew what the call was in regards to. She then began speaking very loudly, talking over me, stating I needed to verify the information she was giving me- she was not asking me for any information, just asking me to verify the information she was providing. I hung up. Both women were US, southern accent speaking- the voicemail, and the rude representative.
Product: Debt collection

i paid the creditor creditor so the collection shouldn't be on my credit account if they dont own the debt and i paid it with XXXX