23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : Whom It May Concern, I had gotten behind with my mortgage payment and soon begin to face foreclosure. In the process of all of that I received a postcard in the mail from a Law firm named XXXX XXXX XXXX XXXX XXXX that specializes in helping people like me keep their home without filing for bankruptcy. I contacted them and I spoke with a lady named XXXX XXXX and she advised me that her company can help me out. She stated to me that the fee for helping me get a loan modification with Wells Home Mortgage was XXXX and I had to pay it in XXXX installments which was XXXX XXXX, XXXX XXXX and XXXX XXXX which I paid faithfully each month. Mind you I had to filed a chapter XXXX in XXXX which I though was strange because she stated without filing bankruptcy. She sent over documents for me to signed and date for loan modification and I did all of that. It was in XXXX when I was informed that I was facing foreclosure on XXXX XXXX, 2017 and she still was telling me that I was not going to lost my house. Well, my house was sold to a third party on that day this is the day she wanted me to go back down to court house and filed another XXXX and I refused to do so. She was going to called Wells Fargo to see if they would stop the sale but they did not. I have not heard from this lady again. She has not returned any of my phones calls, emails, texts or anything. I went down to the home office and found out that she works from home and she is a part of the company and works under Attorney XXXX XXXX to get clients and they were going to look into it and I have not heard from them as well. Now that my home as been sold and I have a few more days to move out. I am lost for words and I feel as thought this was a scam and I just want my money back so that I can move out and found a place for me and my daughter. This woman called me at least 5-10 times a day. This stress of this situation has caused me to be XXXX because I suffer from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, XXXX AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. 
Specifically, In reviewing the information provided, there are inconsistencies among the XXXX credit bureaus regarding the reported balance, date of last activity, closed date, payment status and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer & # 39 ; s dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : XXXX. Inconsistencies : There are discrepancies among the XXXX credit bureaus regarding this account. 
XXXX. XXXXerification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account. 
XXXX. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. 
XXXX. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 
I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process.
Product: Consumer Loan

My name is XXXX I 'm with XXXX out of XXXX, TX. We are a franchise XXXX and XXXX motorcycle dealership. I had a customer ( member number XXXX ) bring me drafting instructions from USAA for a motorcycle that we sold him. I titled the motorcycle and faxed all necessary paperwork to USAA expecting them to honor the draft the customer brought to us. 2 weeks after I had already given the motorcycle to the customer, and titled and registered it. I find out ( from the customer, not USAA ) that they will not honor the draft. The customer was unaware but he filled out paperwork for an auto loan and not a motorcycle loan. He was unaware of this at the time or he would have corrected it, it was not his fault. The fault lies with USAA 's loan officer, they had the VIN number and should have been aware of what they were buying before producing the loan document. USAA is unwilling to take any responsibility for the flaws in the way they conduct business. So, now here I am as the dealer with a sale that fell through that we worked so hard to earn and a motorcycle that is not in the same condition as when we sold it, and instead of making a profit I 'm at a {$650.00} loss on the deal because I 've already paid taxes on it. Also, my poor salesman that worked so hard on this deal will have a negative sales commission on his next payroll. 
Needless to say, I will not do business with any customers that come in my dealership with a draft from USAA. I will make them find financing elsewhere if they want to purchase anything from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
Experian has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed

and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liab
le to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Debt collection

XXXX XXXX with Hillcrest/Davidson and Associates has called myself and my wife from spoofed numbers in order to collect a debt that is not owed. His first text message said we owed his clients $ XXXX and then sent a letter saying we owe over $ XXXX. I have asked multiple times through email for documentation supporting his claim and he refuses to provide a written contract or any type of agreement showing this debt is owed. He is very abusive to the point he called my wife stupid because she didn't have any idea what he was talking about. He is making false claims that money from his client was used to purchase land and a house. He has committed several usury laws and is harassing me now after telling him several times to provide documentation of this debt. The last contact was today XX/XX/2021.
Product: Debt collection

Violation of Federal Consumer Protection Laws and Request for Debt Validation I am filing this complaint against LVNV Funding LLC for violations of federal consumer protection laws under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). Below, I outline my concerns and requests for corrective action. 

LVNV Funding LLC has contacted me through various channels, including emails, text messages, and phone calls, attempting to collect an alleged debt. I dispute owing any and all debts to LVNV Funding LLC and request proper validation of the debt. The company has failed to comply with federal laws and regulations in its communications and reporting practices. 

Violations and Issues Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and conspicuous disclosure of the debt 's details, including the name of the original creditor and sufficient information to understand the nature of the alleged obligation. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The company has not provided an itemized statement breaking down the alleged debt, including the principal, interest, fees, and other charges, making it impossible for me to assess its validity. 

Violation of 12 CFR 1006.34 ( d ) : Communications from LVNV Funding LLC have lacked proper validation information, which is required to be provided in initial or subsequent contacts under federal regulations.

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished inaccurate or incomplete information to credit reporting agencies regarding the alleged debt without properly investigating disputes or ensuring accuracy.
Product: Credit reporting

law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These items have had a profound impact on my life, leading to significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally express my concerns regarding Zelle, a peer-to-peer payment service, and its practices that I believe have contributed to significant harm to consumers, including myself. These concerns relate to Zelle 's lack of adequate consumer protections, its handling of fraudulent activity, and its compliance with federal regulations. 

It is my understanding that Zelle, despite its widespread use and integration with major banks, has failed to implement sufficient safeguards to protect users from unauthorized transactions and fraudulent schemes. As a consumer, I trusted the platform to provide a secure and reliable service. However, its policies and practices place an unreasonable burden on users, particularly when fraud or unauthorized transactions occur. 

Specifically, I am concerned that Zelle has not consistently adhered to Regulation E under the Electronic Fund Transfer Act ( EFTA ), which is designed to protect consumers from unauthorized electronic fund transfers. Many consumers, myself included, have experienced situations where Zelle and its participating banks have denied responsibility for fraud or unauthorized activity, leaving users financially vulnerable and without recourse.

These practices raise serious questions about Zelles accountability and the financial institutions that endorse and integrate its services. The platforms current framework appears to favor expediency over consumer protection, with dispute resolution mechanisms that are insufficient, opaque, and often unfair to users.

As part of a growing number of consumers affected by Zelles actions or omissions, I am compelled to pursue all appropriate legal remedies to seek justice and accountability. I strongly urge the CFPB to take immediate action to ensure that Zelle and its affiliated financial institutions comply with all applicable laws and regulations, implement stronger fraud prevention measures, and provide clear, equitable dispute resolution processes. 

Thank you for addressing this urgent matter. I look forward to your prompt attention and any updates regarding your investigation into Zelles practices. 

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

Theres addresses on my credit report that doesnt belong to me And I can send you my drivers license to confirm my real address and I would like those addresses removed and deleted from my account and my name is incorrect.. Im the second and my father and I have the same name..
Product: Money transfer, virtual currency, or money service

I'm writing to formally express concerns regarding Zelle ' handling disputes, particularly in the light of RECENT CFPB lawsuit highlighting significant issues with the platform. Despondent using Zelle many times my bank refuse to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XXXX XXXX well as XXXX for my payment history update to on time payment paid as agreed )
Product: Checking or savings account

XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( all information Ive found about this merchant is that its a scam ) allowed fraudulent transactions to be posted on their card batches. I filed a fraud claim with my bank, Fifth Third, for those two transactions and a third transaction that was already stopped by the merchant for being fraudulent and is no longer part of the fraud investigation by Fifth Third.
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. 



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 am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : 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
Product: Mortgage

I can't get through to fifth third bank, I call there number and hit option 3 and it will put me on hold for 2min 19 seconds and put me on a voicemail saying someone will call me back. I've called them daily for the last month and a half. Not one call back I tried to record the call my phone won't let me. So I haven't been able to apply for forgiveness or anything cause I can get through. I've talked to customer service and I talked to someone in refinancing and they all send me down the same road voicemail.
Product: Checking or savings account

I am XXXX XXXX and I opened an account with Navy Federal in the summer of 2024. After completing additional identification requirements with the security team, I was finally approved and received a debit card. 

However, after logging in a few times and activating my card, I encountered a locked message when attempting to log in. Subsequently, I received an email stating that my account had been denied. Despite having verified my identity three timesonce over the phone and twice via email to the security teamI have experienced delays and a lack of solutions. There has been no clear response or resolution provided to regain access to my account. 

I feel that this situation may involve discriminatory practices and request a thorough review and resolution to regain access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Mortgage

Since  XX/XX/XXXX  I have been trying to fix this approval letter I need   XXXX   XXXX   to be REMOVED and KEEP   XXXX   XXXX   XXXX    AND   XXXX   XXXX   XXXX   XXXX   XXXX  . I have been requesting this several times and everytime I call they say it is ready and I get the old letter. Please have a supervisor look at this. The buyer is refuse with me and the seller.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for credit with MERCEDES-BENZ and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a MERCEDES-BENZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/XXXX Lawsuit filed for improper investigations of consumer reports. difficulties disputing inaccurate information on my credit report. Delayed responses and failed disputes with continual erroneous information on my credit report. - Disputed all collections and amounts with minimal communication from bureau. 

Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. 


Transunion - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau. 

XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau.
Product: Debt collection

I was under that protective XXXX  Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken.

Including the fact that XXXX is aware of this practice! 
The mailing address of Credit Systems International is : XXXX  XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.
Product: Checking or savings account

On XX/XX/XXXX I made an purchase to an company XXXX XXXX XXXX XXXX CA for {$29.00} from an add on XXXX. I was attempting to purchase markers and coloring book set. After this purchase my account was charged fraudulently. The fraudulent charges were purchased on XX/XX/XXXX ; there were XXXX different charges to a shop called complete sport outlet XXXX CA. Charges were as followed : {$340.00}, {$320.00}, {$470.00}, {$430.00}, and {$410.00}. Again each of these XXXX charges from complete sports outlet were fraudulent. 
As soon as I realized these fraudulent charges had been made and my account was in a low cash mode I immediately canceled my debit card. My debt card is provided by PNC Bank. As soon as the charges were posted to my checking account I created a dispute and this dispute was stated to have been resolved and it was stated that I would be liable for these fraudulent transactions. I called PNC and opened another dispute stressing again that these XXXX charges to complete sport outlet were fraudulent. Today XX/XX/year> I just got another letter stating that the dispute has been resolved and it was stated that I would be liable for these fraudulent transactions. 
I am at a loss. These were significant fraudulent charges and this is harming my wellbeing and my bank ( PNC ) does not seem to care.