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

I am writing to formally voice my concerns about Zelle 's approach to dispute resolution, especially in light of the recent CFPB lawsuit that has brought to light significant shortcomings within the platform. Despite my frequent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was beyond their capabilities. The CFPB 's findings reveal that Zelle has not only fallen short in protecting consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to fraudulent activities. I was forced to close my account with XXXX  XXXX XXXX since they claimed neither party could do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX 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 XX/XX/XXXX
Product: Mortgage

This complaint is for providing knowingly false information by Customer Relations Specialists XXXX XXXX and XXXX XXXX, employees of RightPath Servicing while acting on their ( The Company 's ) behalf. In response letters dated XX/XX/2023 and XX/XX/2023, the Customer Relations Specialists mentioned, knowingly made false statements by claiming the XXXX master insurance policy for XXXX XXXX, provided by the borrower, does not provide insurance coverage equal to or in excess of an XXXX policy. This is a knowingly false statement as the Customer Relations Specialist was provided a SIDE BY SIDE image, a comparison of the XXXX master insurance policy and the XXXX policy purchased by RightPath Servicing . It CLEARLY shows the XXXX master insurance policy covers ALL of what is found ( insurance coverage ) in the XXXX policy purchased by the loan servicer, RightPath Servicing. The XXXX master insurance policy actually provides more coverage than the XXXX policy purchased by the servicer, RightPath Servicing XXXX The Customer Relations Specialist has taken the position that they can arbitrarily decide to accept or deny the insurance coverage provided by the borrower, in the form of a master insurance policy for XXXX XXXX XXXX. In addition, RightPath Servicing has never provided the requested documents, that being the actual master insurance policy the servicer claims to have reviewed on multiple occasions and proof of their claim that a previous insurance policy for the property had " expired ''. This complaint can not be dismissed as a previously addressed issue as the false statements in this complaint are unique as to the parties mentioned and the claims.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

! 5 U.S.S 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/2019 BARCLAYS BANK DELAWARE has left an unauthorized hard inquiry on my credit with XXXX, I didn't apply for any credit so i called XXXX  and placed Freeze on my credit and they said contact creditor to send us a letter to remove this unauthorized hard inquiry on my credit
Product: Money transfer, virtual currency, or money service

PayPal account was hacked and 4 unauthorized transactions where made. I contacted PayPal I filed a complaint at XX/XX/2023 XXXX for 4 transactions made on XXXX Here are the details of the one or more transactions you didn't recognize or had issues with : Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Transaction ID : XXXX Transaction amount : {$27.00} USD Recipient email : XXXX Within 18 mins PayPal closed the case and would. It investigate further. 
A credit card that is not mine was added to the account as well
Product: Credit card

On XX/XX/2023, I went on the XXXX XXXX website because there was a notification that my flight was canceled to call to get a new reservation. When I called XXXX they to me that in order to get a flight from XXXX back to XXXX I had to pay I argue with the agent for a while and ask why would I have to pay if XXXX canceled the flight, I could not get a flight back to XXXX XXXX on XX/XX/2023, so I continue to argue with the agent, and told him that I would book the flight however I was going to call someone higher in XXXX and complain, so I paid with my Bank America card XXXX, so I hung up and called XXXX complaint line I gave the agent my confirmation number and the telephone number I called, he told me to hold on so he could check, when he returned he started that the number was not a bank American number even though it was on their website, he went on to say that it was a scam. He told me to immediately call my bank to notify them and for me to change my password. I called BA and told them what had happened and they stated after checking my information that it was a fraud how ever because I paid them voluntarily that they could not give me a refund, so they gave me your website and another website to file a complaint.
Product: Credit card

I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : After filing disputes. Trans Union continues to report inaccurate Public Record. 

In XXXX, I tried to file bankruptcy, but the court rejected the claim based on my income was too high to qualify under Chapter XXXX. A year later, I reapplied under Chapter XXXX. Which was approved. 

Trans Union is still reporting that original void/denied filing. There is ONLY one filing from XXXX. I am enclosing the court documents to show the case reference and docket number. I am including a letter from my attorney, to show that the Trans Union Reporting reflects another Attorney 's name. 

My goal is for them to remove the erroneous original filed Bankruptcy. The one that that the court did not approve. Just like XXXX  and XXXX  have already verified through the courts and corrected my credit file. 

To be clear. My original XXXX filing was for Chapter XXXX. I did not qualify. A year later, I refiled under Chapter XXXX. Which was approved by the court. My legal counsel suggested before the case was discharged to convert to XXXX. Which is why the Discharge reflect XXXX. 

I realize it is confusing. However, the court can confirm the approved Chapter XXXX and the Discharged XXXX. All as being the same case. They can also confirm. That the original XXXX filing was denied by the court. 

Should CFBP need any of my Chapter XXXX documents. I can dig them out and forward. 

Thank you very much. 
Please see the attached documents. 

CASE NO. XXXX DOCKET XXXX ; DATE OF DISCHARGE ; XX/XX/XXXX HONORABLE JUDGE XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Product: Debt collection

I requested a signed contract between myself, and AD Astra in XXXX of 2020. They responded with a contract between myself and Speedy Cash with an electronic signature. They have yet to respond to me requesting they send proof that I owe them.
Product: Mortgage

XXXX XXXX, XXXX # XXXX & XXXX. Cost me a purchase transaction as he was telling my borrower he had to cross qualify with his lender. My borrower refused and had a pre-approval letter from Residential Wholesale Mortgage , Inc & XXXX. This is a violation of the Privacy Act and the CFPB takes this very seriously. The lender XXXX XXXX at XXXX XXXX would not accept our pre-approval letter. This cost me time and money and we are still looking for a home. 

XXXX XXXX XXXX, XXXX # XXXX XXXX # XXXX
Product: Debt collection

XX/XX/2021 a summon for debt {$2900.00} from a company I have never heard of. Company representing XXXX  XXXX Malen & Associate P.C Address XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Phone number ( XXXX ) XXXX ext XXXX I returned a phone call on XXXX about The certified dispute letter to verified the debt. 
Called on XX/XX/2021 to follow up about verifying the debt. No update on verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has deleted 2 accounts from my credit report finally. However XXXX and experian are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted XXXX today XXXX/XXXX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by XXXX they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for XXXX and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. XXXX XXXX. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative XXXX number ( XXXX ).
Product: Mortgage

Something is very strange. We bought the house for {$140000.00} and took a mortgage out for that much and we have been paying for 4 years now, and the balance has only gone down {$1000.00}. 

Something seems wrong. 

Also, it is not clear whether or not they added {$7500.00} that Michigan for down payment assistance into the loan.
Product: Debt collection

I received a letter from Waypoint Resource Group. With an account number of XXXX. After speaking to their rep who was forceful I have verified that this account does not match my SS #. Although the name and address are the same it does not align with the most important piece to verify identity. In their letter they threaten to put this collection of XXXX on my credit report. I have advised them to cease and desist with all communication and collection attempts. I have also called XXXX and referenced their acct # XXXX and they are advising me that this account is closed and they can not even verify what services were under this account. Sounds very fishy to me. I am not liking that a collection company contacts me tries to collect a debt that is apparently not mine. I do not have an agreement or contract with Waypoint Resource Group and owe them nothing. Their idle threat of putting this on my credit report in 30 days is a straight and blatant violation of the FDCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment was incorrectly reported due to a clerical error on the part of XXXX. My payment was made on time, as confirmed by my bank records, but was mistakenly recorded as late due to a processing error within XXXX 's system. This error has unjustly impacted my credit report and does not reflect my true payment history. 
Evidence provided : Bank statement showing the payment made on time. 
Confirmation from XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX I submitted a payment for the late fee which I incurred the previous month for {$70.00}. I did this by logging in to my account online and by choosing to pay the late fee only from a drop down menu. A few days later I noticed that Wells Fargo ran the payment for the entire amount of the regular payment ( {$1700.00} ) + the late fee ( {$70.00} ) totaling {$1800.00}. I did not have this amount in the account. I called my bank ( XXXX XXXX ) and asked if they could cancel or block the incorrect payment attempts by Wells Fargo. They said they could not. I called Wells Fargo and spoke with a customer service rep and an IT specialist. The IT specialist apologized and said she would look in to it. She also told me that my account was set up for auto payments. I NEVER authorized autopayments. They said the system would not allow me to make only the late payment. I said then the system should not have given me the option on the drop down menu. The IT specialist said she would look in to this and get back to me. Wells Fargo has attempted this 2 more times to date. I have incurred a {$29.00} insufficient funds fee with XXXX with each of these attempts.
Product: Debt collection

I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXX pm est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX am est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.