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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in connection with the CFPB lawsuit highlighting significant issues with that platform. My financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking transactions were unfeasible. CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

XXXX After reviewing my credit report access all XXXX credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and Equifax are reporting late for the months of XXXX and XXXX of XXXX while Equifax is reporting late for the months of XXXX and XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These late payments being reported are also on violation of 15 U.S. Code 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 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 XXXX  days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is received past XXXX  day time frame. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that are not mine
Product: Credit card or prepaid card

After not using my card for almost 3 years, the Global Cash Card company would not activate a replacement card. The operator that was spoken to on XX/XX/2019 at XXXX XXXX Central Time, was looking for a catch phrase as he called it to identify the caller. Some secret catch phrase was never made by me. The company had to make up some type of word. The only thing I made was a PIN code by telephone, not by the internet. Therefore, the customer rep blocked the old card instead of giving me a chance to find it. This action caused a delay in payments of bills, thus making it impossible to make a 52 mile round trip for work to be done starting XX/XX/2019. When calling the number XXXX for customer service, the processor told me that it would take 48 hours to solve the issue. This would be handled on business days only meaning we have an unsolved issue for 6 days due to the fact Friday was XX/XX/XXXX. We have two days on the weekend along with Monday and Tuesday being the XXXX  and the XXXX  meaning by the XXXX of the month this issue may still be unsolved. Global Cash Card refused to make a simple bank to bank transfer of money that did not belong to them although it was going to another account with my name on it. According to them the entire world banking system is on shutdown due to the fact that they blocked my card. Thanks to this company my telephone will be off until Thursday or Friday which will be an entire week. During that time I can not accept jobs through the app services, while other bills are delayed. Unfortunately we have to deal with this company to get the money that we make. If it was my choice I would use another system.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries : 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 XXXXXX/XX/XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated 15 US Code 1681b ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Citizens Bank account of any kind. Citizens Bank is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. Citizens Bank does not have my consent to report any of my private information with any person or any company. Citizens Bank may only communicate with me in writing..
Product: Debt collection

I recently reviewed my credit report on XX/XX/2020 and see 2 collections on my credit report for {$840.00} and {$470.00} by a company called " Portfolio Recovery Associates '' that I am not responsible for. I have been a victim of identity theft in the past ( hence my fraud protection for all of my credit reports ). Please resolve this at quick as possible please. I am terrified and my credit score has dropped 111 points.
Product: Credit card or prepaid card

On XXXX I was charged interest of XXXX incorrectly. I have always been on autopay and paid the monthly balance each month. 

I needed to call three separate times in order to get agreement from staff that this was indeed an error on their part. Even though this happened one month ago, and I was the one to identify the mistake, they have been unwilling to pay interest to me on that amount, or to compensate me in any way for the mutliple calls I needed to make in order to rememdy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2018 after receiving an email from XXXX XXXX about a hard inquiry on my credit report from XXXX. I notified Transunion that I had called XXXX support before contacting Transunion and XXXX had no record of an inquiry on my report. Instead of helping me and correcting their error Transunion said that I had to contact XXXX   for a letter of deletion. After calling XXXX for a second time, I was told that XXXX does not issue letters of deletion and instead told to come to this website, which does not issue letters of deletion from credit reports. 

It is also alarming that Transunion had records of everywhere I had lived yet on the hard inquiry for XXXX it listed my address as a place I had never lived. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Which is a hotel, not my place of residence. I have never even lived in that town or stayed at the hotel.
Product: Mortgage

Since XX/XX/2023 I have been trying to obtain a pay off letter. I have been told by at least 12 reps that this is being escalated due to my type of loan. Arizona state law provides a maximum of 10 days for receipt of this letter. Currently it is XX/XX/2023 and I have still not yet received this letter. I am again being told its escalated and there is no end date for confirmation. I have missed two close dates on my home with the seller due to this and am about to miss a third. They are now threatening to sue me for missing close of sale.
Product: Debt collection

{$1800.00} with XXXX XXXX XXXX ( current creditor of your original Synchrony Bank ( PayPal Smart Connect ) account ). 

Basically I was harassed and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy on my credit file tact is more than two years old. The Bankruptcy in question is listed on the credit bureaus website as Discharged. My case was discharged and closed at the same time. I have certified court documents stating that the estate was closed. I asked the credit bureaus to update the information they have listed on my bankruptcy status from discharged to closed. I included copies of the court documents in my request. Transition and XXXX investigated my request for weeks and still took no action in updating the status of my bankruptcy listing. They sent letters to me explaining that after their investigation the actual bankruptcy is valid, and completely ignoring the fact stated in the certified court document and by my request that the listing of the bankruptcy be updated to closed.
Product: Mortgage

XXXX XXXX XXXX # XXXX made several materially false statements about his ability to offer a construction loan in order to secure my application. After receiving my application, he retracted all previous statements and informed me that he could not assist me. XXXX misrepresentations led me to apply with Cross Country XXXX # XXXX which negatively impacted my credit score and creditworthiness with other lenders. XXXX misrepresentations include : - credit score requirements - interest rate - cash at closing requirements - down payment requirements
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report by XXXX XXXX XXXX XXXX XXXX. The account details are as follows : XXXX XXXX XXXX XXXX XXXXXXXX I have never engaged in any business with XXXX XXXX XXXX XXXX XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX  month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXX XXXX XXXX XXXX  XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX XXXX XXXX XXXXXXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and saw inquiries from XXXX and XXXX XXXX  that I did not do! They are fraudulent and I want them removed.
Product: Payday loan, title loan, or personal loan

Speedy Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Pay Day Loan Company ( Cheating the Poor out of their money ) I took out an loan, and was unable to pay. The company refused to take payment. 
Transferred the Pay Day Loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I was told to make payment arrangements, However when I call XXXX XXXX XXXX XXXX, they refuse to set up for me to pay at the Speedy Cash Location in XXXX, Tennessee. 

I have been trying to make payments since XX/XX/2017, to make payment at the Speedy Cash in  person, this company refuses to set up payment arrangements. 

I request that these type of companies hurt the community, and poor peoples credit scores! They over charge all minorities, and the white people get charged less rates on an dollar. This business should be closed, and ran out of town!
Product: Debt collection

On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named Security Credit Services at XXXX. I contacted Security Credit Services ( representative name is XXXX ) on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to XXXX XXXX XXXX. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called XXXX XXXX XXXX and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.
Product: Debt collection

in accordance with the fair credit reporting act XXXX account # XXXX, ( American Collections E ) has violated my rights. 15 U.S Constitution 1681 section 602 A states i have the right to privacy. 15 U.S .Constitution 1681 section 604 a section 2. its stating that the consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

I had a citi accelerate high interest savings account with {$1000.00} in it and I added {$5000.00} deposit from my XXXX XXXX checking account to my citi savings. Citi blocked my account and said they are closing my account and that they would investigate and then send a check XXXX days later. I have no idea why my account was closed and its unacceptable to me that they would keep my money for that time frame. I want my money back {$6000.00} now. Please help! Thank you!
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, Subject : Complaint Against New Rez Regarding Withheld Insurance Funds I am writing to file a formal complaint against New Rez Mortgage Company concerning the delayed disbursement of insurance funds needed for critical repairs to my home, which was severely damaged by a recent hurricane and subsequent flooding. 

Details of the Issue : Insurance Claim : Following the disaster, our insurance company promptly issued a payout check to cover the damages. As per standard procedure, the check was made payable to both my spouse and me, as well as New Rez, our mortgage servicer. 
Submission of Documentation : We have diligently submitted all required documentation to New Rez, including detailed receipts and invoices for completed repairs, as well as proof of incurred expenses. 
Financial Hardship : Due to the withholding of these funds, we have been compelled to max out our credit cards to finance the necessary repairs, placing us under significant financial strain.

Inspection Delay : We were informed that an inspection was required to proceed with the fund disbursement. Despite requesting the inspection over two weeks ago, we have yet to receive any communication. 

Attempts to Resolve : We have made multiple attempts to contact New Rez to expedite the release of our insurance funds, but our efforts have not yielded any satisfactory results. The continued delay is causing undue hardship and impeding our ability to restore our home and stability. 

Requested Resolution : We respectfully request the Consumer Financial Protection Bureaus assistance in : 1. Promptly facilitating the release additional insurance funds held by New Rez.

2. Ensuring that New Rez adheres to fair and timely practices in handling insurance disbursements, as mandated by federal regulations.

3. Preventing further financial harm due to the unjustified withholding of funds necessary for essential home repairs. 

We appreciate your prompt attention to this matter and look forward to a resolution that allows us to proceed with the necessary repairs to our home. 

Sincerely, XXXX and XXXX XXXX
Product: Credit card or prepaid card

CapitalOne has manipulated the XXXX XXXX  I check on a daily basis and what ever they can pull up negative in regards does not jive with my settle disputes one thing they pull a XXXX report then XXXX Report and since I have resolved and brought my scores up mysteriously they use a XXXX inaccurate XXXX  report Its Like There In Competion with XXXX XXXX attached are the XXXX there coming up now with XXXX there manipulating ways to get highrer interest rate rating me poorly as I never screwed them and paid my cards off and closed IF CLOSING MY ACCOUNTS DID NOT EFFECT MY SCORE I WOULD IN A HART BEAT these practices have to stop example I had credit limits of XXXX paid and closed as a punishment they give me a XXXX $ XXXX credit limit WHAT AM I SUPPOSED TO DO WITH THAT? I will not ask for a line increase as last time the pulled 3 hard inqiries in one day SEE INQUIRES AND PREVIOUS CFPB CASE Unresolved
Product: Mortgage

XXXX  Substandard work  we were told the amount was $XXXX to XXXX a month 
We get a bill of $XXXX a month we can not afford this payment
Product: Student loan

My problem is with the loan servicer, Navient. I requested a Income based repayment plan in XX/XX/XXXX. According to the website, and the letter that I received, no payment would be due until XX/XX/XXXX. I got an email and few weeks ago stating the my loan is now currenting due. I logged back into the website and discovered that a payment in the amount of {$220.00} dollars would be due on the XXXX of this month ( XX/XX/XXXX ). I contacted the company and asked why suddenly are all my loans due. They could not explain why that made sense to me.
Product: Debt collection

My family and employer was contacted by a XXXX Collector stating they were Worldwide Recoveries. They never contacted me in writing or by phone. They contacted several relatives and my job stating they needed to serve me legal documents and I needed to contact them within a certain amount of time or they were going to sue me and garnish my wages. They wanted to set up a XXXX payment agreement from my checking account to resolve the issue. I contacted the actual loan company and they stated they never sold my case to Worldwide Recoveries. I contacted a local XXXX in my area and they did some checking for me and could not find any legitimate information or valid phone number for this company. They could only find information from other people online with the same complaints as myself. The XXXX told me they suspect I had been contacted by a scam XXXX and to ask for information from the person that called me and I did try that and the man I talked with was very rude with the questions I was asking him and he hung the phone up on me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I asked for a due date change, filled out the date change request and received a conformation. The date was XXXX to the XXXX made an online payment today and the online ap doubled the payment to pay the next month bill that is not due.. I called Toyota finance and the person informed me that, that is what the system does and she can NOT stop the payment or cancel the payment. Informed me to go to the bank and put a stop payment on the transaction, but of course there will be a cancellation fee and late fee!!! I believe this to UNTRUE and UNLAWFUL!!