23daVinci/CFPB_Complaints huggingface dataset:
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 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 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. I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They 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.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Mortgage

I was working on refinancing my mortgage through PennyMac. Mr XXXX XXXX was the loan officer for PennyMac. We agreed on the terms and locked a rate. I received a loan estimate document from XXXX on XX/XX/XXXX that broke down fees and other items. The fees included a " 0.02 % of Loan Amount ( Points ) '' for the amount of {$65.00}. After that I was working with Mr. XXXX XXXX from Penny Mac. This loan estimate stayed the same throughout the refinancing process steps. The loan was approved and a closing time, signing the loan documents through the Title agency, was set to XX/XX/XXXX. 
On XXXX, eight days before closing, I received an email from Mr. XXXX that included the closing disclosure documents for me to review. The document was dated XX/XX/XXXX. I reviewed the document and all loan fees were similar to previous estimates, including the 0.02 % for points. 
The documents to go through and sign, my wife and I, on the closing date on XX/XX/XXXX included over one hundred pages. I was aware that I had 3 working days after closing to bring up any issue with signed documents. So, I was doing my best to review the documents and sign without having to spend a whole day reading the fine prints. After we were done signing the documents, I realized that there was a change in the fee by changing the 0.02 % for points XXXX {$65.00} XXXX to 0.38 % ( {$1200.00} ). I called Mr. XXXX to discuss then followed by an email on XX/XX/XXXX and other emails later, On XX/XX/XXXX, Mr. XXXX replied by an email, basically stating that if I did not like the changes I could opt out of the deal. I felt this not fair and not legal to introduce a change at the last minute and the only option for me was to opt out with no guarantee that I would be able to lock a good rate. I did not do anything wrong, PennyMac did. I did not cancel thinking that somebody at PennyMac will for sure address my issue. Since then I sent several emails to Mr. XXXX and one final email and several phone calls to Mr XXXX, but I got no positive response and I was left feeling robbed and helpless. 
I heard about your agency and I am reaching out to you to help me get my issue addressed. 
Thank you for existing
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX  days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX  XXXX  ( Regulation V )
Product: Credit card or prepaid card

Around XXXX XX/XX/21 {$6500.00} claim number # XXXX Acct ending in XXXX Bank of America prepaid processing serviceXXXX. I been trying to get this resolved multiple time and the bank customers service is giving me a hard time. I am frustrated because I been calling and sending them letter asking them to investigate and it's almost going on a year and a half still nothin
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that has been reported on my credit report. I have reviewed my credit reports from XXXX, XXXX, and Equifax, and I have found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and should be addressed by the credit bureaus. 

Account Information : The accounts are reported as being closed by XXXX and XXXX, but Equifax reports them as open. This inconsistency in the account status makes the information inaccurate and incomplete. 

The status of the accounts is reported as Collection/Chargeoff on XXXX and XXXX, and as Late 120 Days on Equifax. The status should be consistent across all three reports. 

Discrepancy in Dates of Last Activity : XXXX shows the last activity date as XX/XX/year>, while XXXX reports XX/XX/year>, and Equifax lists it as XX/XX/year>. These conflicting dates show that the information is not being accurately reported. 

Failure to Reflect Dispute Status : XXXX and Equifax correctly mark the accounts as disputed by the consumer, but XXXX does not reflect this dispute status. This violates my rights under the FCRA, which mandates that disputed information be clearly marked as such. 
Requested Resolution : I have made several attempts to dispute these discrepancies, but the accounts remain on my credit report with conflicting information. As a result, I am requesting that these accounts be completely deleted from my credit report. I am not requesting updates or corrections to the information ; I believe the accounts are inherently inaccurate and should be removed entirely. 

Actions Taken : I have reviewed my credit reports and confirmed the discrepancies. 
I have initiated a dispute process with the credit bureaus ; however, the issues remain unresolved. 
I am now seeking your assistance to resolve the matter by removing the inaccurate accounts from my credit report. 
Please investigate these discrepancies and remove the accounts from my credit report, as they are not accurate and can not be verified in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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
Product: Credit reporting or other personal consumer reports

I appreciate you making 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 removed right away. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

The CFPB and the FCRA are clear in their guidance, and your agencys refusal to accept the identity theft report based on an erroneous and unsupported claim violates the law. I demand that you immediately correct this violation and update my credit reports to reflect the accurate status of my identity theft claim. 
XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.
Product: Debt collection

This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. The details of the disputed accounts are as follows : Dispute letters were mailed to XXXX XXXX and XXXX XXXX XXXX as well as the 3 Credit Bureaus and no one is responding, and I want these ( 3 ) negative accounts Deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report.

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXXXXXX  Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate Data from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report and request its removal. I have reviewed my credit report and noticed discrepancies that need to be addressed. Below are the details of the inaccurate data : Account Information : Account Name : XXXX XXXX XXXX Nature of Discrepancy : invalid account After reviewing the information, I believe the data provided is incorrect due to resolution of dispute. As per the Fair Credit Reporting Act, I am entitled to a complete and accurate credit report, and I am requesting that you investigate and correct this matter promptly. 
Attached to this letter, I have included the following supporting documentation to help resolve the issue : 1. A copy of court findings. 
Please investigate this matter and remove the inaccurate data from my credit report as soon as possible. I would appreciate it if you could provide me with written confirmation once the correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to Equifax. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with Equifax because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with XXXX saying they will raise my score by XXXX points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about XXXX, but all 3 are always listed on the *free-not free* free credit report page.
Product: Credit card

I received a letter in the mail on XX/XX/XXXX. It says that they are thanking me for my application for an account with XXXX XXXX financing by Synchrony Bank. They said that they are unable to approve my request at the time. I have no idea what this is about. I have not tried to apply for this. I have no idea what it is. It says their decision was based in a part on a credit scoring system that was used to evaluate my request. It says they obtained information from a consumer reporting agency. I have no idea what they are talking about. My name is XXXX XXXX XXXX is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The address that they sent the letter from is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is reporting negative and harmful information to XXXX TRANSUNION XXXX as well as violating laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Student loan

Sallie Mae has repeatedly called ( telephone ) cosigner to student loan. All payments are current or ahead of schedule. I believe the calls constitute harassment as they frequently interrupt the cosigner at his job. Sallie Mae simply calls and hangs up without leaving a message. There has been no effort on their part to inform us of any issue.
Product: Vehicle loan or lease

WFDS is reporting on my credit as a late payment, delinquent account. I would like this to be removed off of my credit report. It is impacting my score and future business endeavors that I see for myself. The credit report is false and It needs to be fixed now! They even sent me overpayment checks back to me! Why would they report on my credit as a negative account with late payments!
Product: Debt collection

In the XXXX  months that I have had my car loan through Mercedes Financial, they have misapplied my payments in at least 7 possibly more of the payments. I have called, written and received promises from MBFS that this would not happen again and yet it does. They have assured me that my account will be checked, but then I receive phone calls, and as of today my account is showing delinquent, and I received mail trying to collect a debt already made. The payments are made timely from my bank, I use online bill payment so that I can retain a clear record of the process and item that is processed. On several occasions Mercedes admitted that they improperly posted these payments to other accounts adding a zero even though the check and account number are correct on the check sent to MBFS. I do not want to have to follow up on Mercedes each month to ensure they correctly post to my account. 

Last weekend seeing the account is showing past due, I called MBFS to obtain an email address where I could send a note. On Saturday, XX/XX/XXXX I sent an email but to date have not received a reply. I did however receive a collection letter distributed on XX/XX/10. I have copied of all cleared checks if needed.