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

XXXX XXXX account is only shown on Experian Credit Report. I spoke with XXXX XXXX dispute department on the phone. I told them they were in violation of the FCRA. I told them, this account cant be on my report with the same amount owed as the Collection Account that this account was sold to.XXXX XXXX XXXX XXXX is reporting the same account as a collection account. With the same amount owed. Which makes my debt amount owed higher on my Report. This account is was removed from XXXX and XXXX Credit report. Ive told Experian on several occasions to remove this account from there report. Experian XXXX XXXX is always inaccurate. XXXX personally tired of it. They even have the last four numbers of my social wrong also. Theyre reporting XXXX. When my last four numbers are XXXX. Its there mistake not mine. I want the whole report revised with all my debt, name, and address corrected. I cant acknowledge debt if the social security number is inaccurate.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX My interaction with Supreme Lending was to see if I could buy a house for myself and my young family. I talked to " XXXX '' in XX/XX/XXXX. 
" No problem '' he told me. 
NO MENTION OF NEGATIVE CREDIT REPORTING We find a house and here comes a woman named " XXXX '' She says, " I'm Supreme Lending now '' NO MENTION OF NEGATIVE CREDIT REPORTING. 

We never did business and now I have negative marks on my financial reputation. I want these hard inquiries removed. 

All three credit agencies, one hard inquiry in oct. XXXX and XXXX in XX/XX/XXXX. 

These are fraud. It was fraud by inducement occurring when a misrepresentation leads another to enter a transaction with a false impression of the risks, obligations and duties. 

That's what XXXX and XXXX did of Supreme Lending. They committed fraud against me. 

Also, my understanding is that under the fair credit reporting act XXXX " any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER 2. ) in accordance with the written instructions of the consumer ( me ) to whom it relates. 

I did not give these people written instructions to do negative credit reporting and injure my financial reputation, why would I do that? 

I came for an extension of my credit, not to be injured by this company and DEFRAUDED.I am requesting that you help me in making my credit report " Fair and equitable '' to me.
Product: Debt collection

Received an alert on my credit for this company, attempted to contact and they stated do not have my social on file, however, it is on my credit. I am not aware of this account and am a victim of theft
Product: Credit card

I've always made sure payments on this account are timely, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

debt was a result of identity theft Debt was settled with XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

PHH Mortgage sent a statement that stated that the payment due on XX/XX/2020 was {$14000.00}. 

I mailed a check to PHH Mortgage in the amount of {$14000.00} on XX/XX/2020. 

On XX/XX/2020, I received a letter from PHH Mortgage stating : " Enclosed please find a copy of your check with check number XXXX in the amount of {$14000.00}. This payment is being returned for the following reason : the amount provided is insufficient to cure the default. '' PHH Mortgage is incorrect. I did not send check number XXXX in the amount of {$14000.00}. Attached to their letter they provided a copy of my check number XXXX which is made out in the amount of {$14000.00}. 

I have no outstanding principal owed on this mortgage. They are proceeding to foreclose while making almost impossible for me to resolve this issue with them. I sent the amount of money they asked for and send it back for erroneous reasons.
Product: Credit card or prepaid card

I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # XXXX XXXX XXXX
Product: Checking or savings account

- I contacted Wells Fargo on XX/XX/XXXX to file a claim ( XXXX ). This claim consisted of multiple ATM withdrawals which totaled out to be around {$8000.00}. 

- Wells Fargo assured me that the claim would be settled within XXXX business days. On the date of XX/XX/XXXX, Wells Fargo contacted me that they did not have enough information to prove that the {$8000.00} of fraudulent withdrawals were actually fraudulent, therefore they wrongfully denied my claim. 

- These fraudulent ATM withdrawals took place in XXXX XXXX, XXXX  and I live in XXXXXXXX XXXX  Therefore I provided information on XX/XX/XXXX through email that showed I was in Arizona during the time that these fraudulent withdrawals took place in Nevada. 

- The information I provided on XX/XX/XXXX through email consisted of my XXXX XXXX XXXX XXXX XXXX, Transaction Details that show 2 separate transactions were made in 2 separate states on the same day, and also a XXXX XXXX XXXX XXXX  I provided my XXXX XXXX XXXX XXXX  because it shows that I was present for my XXXX XXXX XXXX  on the dates that the fraudulent transactions occurred, my XXXX XXXX XXXX XXXX XXXX  I provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the dates the fraudulent transactions occurred, my job is located in XXXXXXXX XXXX. I provided the transaction details that happened in different states yet a couple hours a part to demonstrate the fraudulent use of my debit card in a different state. 

- Wells Fargo failed to alert me of possible fraudulent activity, I should have been notified of the fraudulent activity whenever there were two separate charges made in different states on the same day.

-I continuously provided Wells Fargo with this information on the dates of XX/XX/XXXX and XX/XX/XXXX because Wells Fargo claim representatives stated that they have not received the documents that I previously sent over on XX/XX/XXXX. Throughout this whole time I have been patient and cooperative towards Wells Fargo 's investigation team in order to receive my stolen funds. Even still, I continuously called Wells Fargo on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they continued to state that they did not receive my documents. Therefore, I decided to fax them on XX/XX/XXXX which they received on XX/XX/XXXX. -- The documents I've provided clearly show that I was in Arizona while these fraudulent transactions took place. 

XXXX have been fighting with Wells Fargo for nearly 3 months now to receive my stolen funds, this is the XXXX complaint I've filed yet nothing has been done yet I will continue to fight for my hard earned money.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud & disputed all of the accounts on my credit report with evidence that it wasn't me that opened those accounts but XXXX would not remove the accounts from my credit report. I don't believe that they conducted a thorough enough investigation to confidently come to the conclusion that they came to or they didn't investigate at all. I also have reason to believe that it originated from the data breach in the first place.
Product: Money transfer, virtual currency, or money service

Approximately one month ago I was mailed a pre-approved offer to consolidate my debt for a lower interest rate and pay one monthly fee. After applying for the service over the phone I was informed I did not qualify for the debt consolidation loan but did qualify for a debt settlement service offer through a company called Level One Law. The representative told me they could negotiate with my credit card companies and help settle/pay off all of my debt in a short period of time. I would deposit {$530.00} twice a month into a third-party savings account managed by XXXX Holdings XXXX The money would be safe and accrue and only be used to settle my debt. I was informed money would not be taken from the account without my approval and agreement of each settlement offer. I was told there would be a service fee but would be prorated equally throughout the duration of the program. A total of Three ( 3 ) payments were drafted from my checking account into the dedicated savings account for a balance of {$1600.00}. Shortly after I set up my online account with XXXX XXXX I discovered Level One Law deducted the following upfront fees each time I made a {$530.00} deposit : {$340.00} Service fee + {$49.00} Admin Fee + {$75.00} Retainer fee. The total upfront fees deducted from my account by Level One Law were {$1400.00}. XXXX XXXX, in charge of the independent savings account, charged a {$10.00} month service fee. I was left with {$180.00}. As soon as I discovered what was happening, I called the debt consolidation company to explain what and why they were charging such excess upfront fees. The representative informed me that the process would continue for the next twenty payments while they waited approximately 7-9 months to begin negotiating with my creditors. They instructed me to stop paying my creditors and let my accounts go into default which would help them negotiate a settlement offer. I was never willing to stop paying my creditors and anticipated they would simply help negotiate a settlement offer while I continued to make the minimum payments and add money into my third party savings account. I was told upfront I could cancel without any penalty and did so after one month into the program. However, the representative told me that all service fees are non-refundable and the only money that would be returned to me was my remaining balance of {$180.00}. This is a complete scam, there was no meeting of the minds regarding payment of upfront fees, which is illegal for debt settlement companies to do, and there was no consideration given in exchange for service. Currently, I am waiting for their escalation department to hear my appeal and refund my money but was told there is no guarantee they will release the {$1400.00} they took from me in excess fees.
Product: Credit reporting or other personal consumer reports

Speedy cash does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX XXXX XXXXXXXX and that is a complete falsehood.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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: Checking or savings account

On XXXX XX/XX/2022 I initiated a check # XXXX Payable to XXXX XXXX XXXX XXXX XXXX XXXX  ) and sent it via XXXX. At some point said check was forwarded to my bank, City National Bank ( ref. Bank ) at which time the bank debited my account while forwarding the dollar value, {$12000.00}, to some other entity other than the named recipient. 

Hence the payee reports never having received my payment & instituted late payment charges against my account. Since that time, it has been noted that the check in question was probably stolen at the XXXX, XXXX XXXX XXXX XXXX was advised of the incident, they graciously removed all late charges. 

However, the Bank has debited my account while undertaking an investigation to identify the whereabouts of my money which they incorrectly distributed to an unauthenticated party. 6 months has elapsed & the Bank has not made my account whole, further they report said restitution could take up to a year or more for them, in the meantime I'd be carrying their mistake, this is not acceptable, and I demand they make my account whole immediately without further delay!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 1

5 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 an account without my written instructions. 

Under 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. 

Due to these violations I have a right to sue per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX
Product: Debt collection

ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : SECURITY SERVICES, XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 1

5 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police.

Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX... was XXXX XXXX XXXX XXXX XXXX  it's reporting under the law they can't do this never received notes from these companies of being late..
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 highlight 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 finding 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: Credit card

I have had my Citi credit card for many years with excellent standing. I have NEVER been late in payments and always made the payments on time. My recent interest rate is at 19.49 % but out of the blue I got a letter from the bank that they are increasing my rate to 24.99 % from XX/XX/year>. My FICO score according to their report is XXXX. I do not see any justification for this steep hike and consider this a very predatory and exploitation act. Nothing has changed with my credit history and I have NEVER been late on any of my credit cards. They claim the reason for this predatory rate hike is that this is the rate they offer to new customers, but I am not a new customer and I have been with them for many years. 

With more than two decades of credit history and dealing with different banks, I have never seen anything like this. I am respectfully requesting they return to the same rate of 19.49 %. 

Thank you.
Product: Debt collection

Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle handling of disputes, particularly in the light of the 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 were impossible, and that tracking these transactions were unfeasible. I now know that the CFPB not only exposed this matter, but the banks and institutions failed to even inform their customers that any previous transactions or any lost funds in the process of a Zelle transaction will be properly informed. Being that all banks associated with Zelle have updated features making sure to check the safety of a transaction before completing. Unfortunately that was not always an option and much money was lost due to this error. Not to mention the repeat offenders that Zelle has allowed to obstruct the people. I know that its not this companys intention to have people get money lost but not informing. The public is just as wrong and Ive called my bank and I tried to get in contact Zelle, b but its always the same in the end. Im told once the transaction is complete. Theres nothing they can do and I believe the hard-working citizens of this country has all had enough with certain service services and institutions that we know we should be believing in, but are failing us.