23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXXrail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. 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 serious concerns about consumer safety.
Product: Credit card

I have been having issues with my PayPal credit account with synchrony bank. I have a {$0.00} balance on it, and they keep locking my account and saying something is suspicious on my account. I'm not sure what's suspicious about a {$0.00} balance. I was sent 2 letters on 2 different occasions in the last 2 months that they've locked my account. The letter has the incorrect phone number. I've told them twice, and they do not seem to care. Every time they are not interested in hearing that my account keeps getting locked, they act like I should be happy that it was unlocked. Only to be locked again a few weeks later. I have called them on XX/XX/ and also
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is hiding from me They refuse to send me my report even after mailing them a request they have my police report and refuse to remove fruskdent information
Product: Money transfer, virtual currency, or money service

In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX
Product: Mortgage

I'm a XXXX veteran and I have recently had my rating increase to XXXX % As per the state of Illinois any rating higher than XXXX  % is tax exempt and I'm now text exempt. After numerous contacts with freedom mortgage, I believe I was intentionally misled as to when it would be applied. My lawyer 's office was previously informed that in XXXX freedom mortgage would conduct an escrow analysis and make any necessary adjustments and apply my exemption. I have provided VA award letter to the county assessor 's office with the necessary documents and in return I have received a letter from my assessor 's office stating that I'm now tax exempt. I have forwarded the text exemption letter from my local assessor 's office along with my VA XXXX rating award letter as my previous tax bill and that shows the amount of SSA I would be liable for. if I were not misled as to the application of my tax exemption I would have never refinance with this company and went with another lender. I'm now being told that I have to wait a year to receive my tax bill that states that I'm text exempt shows XXXX dollars due. Which the letter I have clearly states that I'm text exempt and none will be due. Veterans and XXXX veterans beware, freedom mortgage policies and guidelines directly Enforce the holding of monies from veterans when it is clearly not necessary.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I reported unauthorized charges on my branch bank account as soon as I noticed funds were missing. My funds were drained unauthorized and trusting in my financial institution to help with this, I called in and disputed the charges. I tried keeping in contact, uploading new documentation etc but the bank never responded or answered their phone calls with me waiting an hour on hold many times. I then received an email saying my disputes were not ruled in my favor. They gave me reasons such as seeing the funds were used to my benefit. How were the funds used to my benefit if I didnt use the funds? I provided multiple documentation to prove my side, showing I did not authorize these charges. I provided many things, correspondences etc. the bank replied saying sorry but were basically still ruling the dispute not in your favor. I was already iffy of this bank when I first got it but had no choice because its who my job banks with. Now my money is gone and this bank is responsible! They did not throughly investigate to give me a proper solution about my money being used without my permission! 
They have no reasonable reasons as to why they ruled the disputed not in my favor. I truly think this bank is a scam! They have basically stolen my money by denying my claims upon reasonable documentation I provided to them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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: Credit reporting

Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XX/XX/2016 ''. It is now XX/XX/2016, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX Owed : {$370.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXX XXXX XXXX Balance Owed XXXX {$370.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}
Product: Mortgage

The lending agency gave there word and said they could get the deal done. I went above and beyond over 90 days to increase my credit, pay off all debt and have the available funds for down payment. They decided 3 weeks before closing that they couldnt do the loan and admitted they never even submitted my information to the underwriter. I am already living in the home as the sellers agreed on a 90 day lease back and I now have 3 weeks to move out and try find a rental home. I have already put {$15000.00} into the house plus 3 months of rent going off the lending agency saying I was approved and the deal would be done. What a complete waste.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 at XXXX XXXX I got a phone call saying my electricity was being cut off and that I could pay with my Bank of America mobile app using XXXX XXXX I authorized the XXXX payment for {$200.00} but I did not authorize the XXXX other payments.During this phone call I became worried so I hung up and tried to cancel the transaction on the BOA mobile app, I tried to cancel all four transactions. I called BOA and XXXX and tried to cancel the transactions and also I informed BOA and XXXX that the transactions were and are fraudulent and not authorized. All transactions were sent XXXX. These fraudulent transactions cost myself {$3400.00} I am XXXX old an live on a fixed income
Product: Debt collection

A fraudulent account is reporting on my credit report, the account that is reporting does not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to help me out from moving from the XXXX XXXX  of the XXXX XXXX back to the XXXX XXXX around XX/XX/XXXX of 2023. I believed I could get a job quick enough to pay the payments but finding a job was harder than expected. I could not find a job in time to make payments and fell too far behind and now it is effecting me.
Product: Credit reporting or other personal consumer reports

Credit collections company is reporting negative information to the credit bureaus and I never had an account with this company. I requested to delete this from reports and they haven't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX/XXXX  SO XXXX  number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX  XXXX  XXXX  didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Product: Debt collection

I was contacted by a Debt collector company Conserve to my personal phone number twice today on XX/XX/22 on some issue my father is currently trying to resolve. The collector would not give me any information on dates of letters sent out or how many attempts just that they had done it " many times ''. My father does not speak English and this collector does not speak XXXX. I asked her to not call again and as a result and I told her one of the accountants of my father was probably handling that information but I did not have a contact because I do not work for him. She then demanded for me to provide a number for the accountant and act as a translator even though I am not responsible for this nor do I work for my father or her company. I told her I would try to make the accountant aware of the situation although I made no promises because it is not my job to do her job. She also refused to send my fathers business an additional letter for filing purposes and told me that they already had many times but they had 2 addresses on file and she refused and kept demanding I get my father on the line. She kept telling me they were trying to avoid extreme ramifications like forceful debt collect by vague implication a couple of times during the call but not vague enough by making sure to inform me that they " have his social security on file '' as part of that threat, I told her that it was unnecessary to mention that because obviously to go through this a social security number was provided when the loan was made that's how loans work. I am also an individual on the XXXX XXXX so I don't understand what she was trying to do with all her threats and mean tone that she probably got as a result of my monotone voice and telling her that some things don't make sense to me. I told her I am not responsible for anything relating to this part of her job and to not call again.
Product: Consumer Loan

I applied for a Home Equity Line of Credit with Bank of America ... I have been with them for 19 years and am a platinum preferred customer. At application, I explained that I wanted the line of credit to fix my decks on my house. At that point I had not started the project and they did not inform me that in order to receive a loan, the project could not start - in fact, the duration of the process took so long that that I was at risk of losing the contractor and price we negotiated. 

I provided all the documents and everything was fine, but the automated appraisal came through a little lower than expected so they suggested they send out an appraiser for a full walk through. I said okay, but that extends the time it would take them to fund the loan. About 1.5 weeks later, the appraiser came, but at this point I had to start the project ... they were doing construction when the appraiser came and he mentioned that they probably would n't fund the loan with construction ongoing - I said, that was silly as they knew that was the purpose of the loan. Sure enough, when the appraisal was received and reviewed they told me they could not complete the loan until the decks were complete ... I was floored as they knew that was the purpose of the loan and they are the ones that slowed the process. They claim there is some liability if they fund the loan and someone got hurt, but that was never disclosed. On top of they they could see my insurance and umbrella policy with over {$1.00} XXXX in coverage, which should have been considered. Instead they said they could not move forward and no one would do the loan not just Bank of America. They then told me I have 30 days or the loan application would be closed. To me this whole process is offensive as it was not disclosed that I had to wait until the loan was approved especially when i was going to lose the contractor and I am doing the work on the house that I said I was going to do when i applied for the loan. Now I am in a bind and if I do n't find alternative financing, could be suit by the contractor for non-payment or have to max out my credit cards to pay for the supplies at a double-digit interest rate ... this does not make sense to me. Note they would have approved the loan without the walk through appraisal, but it would have been at a higher rate. So because I got the appraisal, I invalidated the loan because they actually saw i was doing the work, I said I was going to do.
Product: Credit reporting

Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l wouldn't accept it at all and they insisted me that it was definitely be a soft inquiry and won't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX   XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX Pursuant to 605XXXX of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).
Product: Checking or savings account

unauthorized transaction/ unreceived item dispute denial. i receive no item but Current still denied. 
I paid for something I didnt get and they refused to help