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

I am writing to normally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union refused to remove this from my Credit stating that they have validated this bankruptcy. The bankruptcy never went to judgment and attached is a letter from the bankruptcy court stating they do not report out to credit agencies I have sent letters to them and disputed with no resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
On XX/XX/year>, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Student loan

My loans were transferred from Great Lakes to Nelnet. In over 10 years I have never had any issues with Great Lakes. Since my transfer to Nelnet I have not been able to get in contact with any customer service representative. I have made numerous calls, placed on hold for an hour, only for the call to end. Over the last 2.5 months I have not been able to speak to anyone. My loans with Great Lakes was sent to autopay at {$2200.00} per month. My account was supposed to transfer over my repayment selections. Nelnet is only taking out {$150.00}. Their website does not allow me to make any adjustments to my payment amounts. As a result I have accrued a significant amount of capitalized interest that otherwise could have been avoided if I could simply update my repayment amount.
Product: Money transfers

On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX has no responsibility over the debt of XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to case number XXXX. XXXX has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, XXXX continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that XXXX actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by XXXX account that I already had and signed documents electronically without my consent or knowledge. XXXX failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. XXXX continues to not be. 

I have been a client of XXXX XXXX XXXX for over 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against XXXX. I will also be reporting this to local media outlets that may be interested to know that XXXXXXXX XXXX apparently does not follow the FCRA and XXXX XXXX XXXX should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would XXXX be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with XXXX and the Credit Bureaus at this point and am willing to just move forward if XXXX would be willing to help me out and remove these negative remarks from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized & fraudulent credit inquiries on my Equifax credit report. My latest credit report shows 19 credit inquiries that I did not authorize. I have listed them below : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  Account unknown how do you verify this information this account is in violation it was reported without valid evidence 3. Under FDCPA Ive filed a civil suit against this credit bureau and XXXX XXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Bank account or service

My mother recently pass away, social security and her retirement account mad their monthly deposit into her checking account with wells fargo, when we notify both of her passing they told they would remove the funds from her checking which was just deposited, when we arrived at wells fargo to close her account we notice that wells fargo charge he {$35.00} twice as a charge because both Social sec and the retirement remove the funds from her account, how is this possible and why would they want to keep charging a person who passed away, this bank is doing nothing but taking advantage of people who pass away because they ca n't act. this is wrong why should they charge anyone {$35.00} for Social sec removing funds
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. my best regards to who ever is reading
Product: Bank account or service

I was given a cashier check No, XXXX issued by US Bank on XX/XX/XXXX. The Purpose/Remitter : XXXX issued per notation on the check at XXXX XXXX, in XXXX, KS. 
Around XXXX on XX/XX/XXXX I went to the US Bank Branch on XXXX, XXXX, MO XXXX to cash it. Teller XXXX Ask for my ID. I gave her my driver 's license She asked to install my thumb print on the check. Then she said it cost me {$7.00} Fee to cash the Cashier 's check that was issue by their own bank in different branch. I asked to see the manager XXXX. She also demanded that I pay {$7.00} fee. I told her that her bank already charged {$7.00} to issue the check and the Bank already had the money in their possession and use for three days, yet they try to charge another fee to give it back. She rudely told me that that is the way it is and tried to get me open an account with the Bank. I took the check to another Branch of the US Bank on XXXX in XXXX MO. The same story, XXXX, Assistant Vice President, also demanded that I pay {$7.00} to cash the banks own Cashier 's Check. He added that this is the bank policy and showed me their policy and said all other banks are doing it. This policy, if truly permitted, is Price Gouging, The banks are ripping off the public by charging them twice for the same transaction. Is it true that the banks have the prerogative to charge public any fee they want without a government supervision and control?
Product: Credit reporting

TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.
Product: Student loan

I'm a single mom working XXXX jobs. I can not repay this loan at this time. I have substitute taught in elementary schools in special XXXX for 10 years. I have got harassing calls from Navient they call XXXX times a day. They have called my relatives trying to get info about me. I have sent them bank stubs showing I can't pay. The late fees and interest keep going up I'll never be able to pay it. They call and when I try to answer they hang up on me. It's awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneous information on my credit report. They are reporting & attempting to collection a debt for XXXX XXXX that has already been paid and the deed transferred. IT even says Paid in full on the report yet they continue to update a balance and attempt to collect an erroneous debt. 
The credit bureaus have been disputed as well and unless they can provide proof that this is mine, NOT XXXX XXXX ... the creditor & the bureaus are all in violation and the next correspondence will be from my attorney & I am contacting the attorney general in your state of operation.
Product: Mortgage

I am in dispute in the amount of {$1500.00}. In XXXX I made two payments by mistake, so I called the company and they said they do not refund payments so one of the payments will go for the XXXX payment. I was fine with that. Then in XXXX my Bank sent a payment through Bill payment when I saw the funds were release I immediatly called my Bank XXXX and they said that they couldnt reverse the payment that I had to wait until it processed. I called United Whosesale Mortgage and they said that they hadnt gotten the payment to go back to XXXX in turned XXXX told me to go back the United Wholesale Mortgage and then United Wholesale Mortgage said wait to the post it and then call back. I did everything that they asked. I was told in XXXX XXXX that they would indeed refund the payment. XX/XX/2021 I called back because the funds had not caome and I was told that the papercheck was issued XXXX XXXX. I was told to wait a week and if I didnt receive the check to call back. I called back on XXXX XXXX and was told that the mail was late and give it to XXXX of next week to call back and they will escalate the complaint and give me other options. I told them that I need that payment to make the XXXX note that I couldnt afford any late charges on my account or credit. I told them that I can not afford to make another payment while waiting for them to refund me the payment. I told them I would not be making a payment for XXXX because I believe that they should put a stop payment on the so called paper check they say they sent and apply it to my account {$1500.00}. I dont care long this take and if it is not resolved in XX/XX/XXXX then I will only pay for XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I sent a letter to Mountain Run Solutions to validate an account they are reporting on my credit report with XXXX XXXX. The certified mail letter was received by Mountain Run Solutions on XX/XX/2020 via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Mountain Run Solutions, the original contract from the original creditor, a record of the payment history, or proof that the collection company is registered and licensed to collect in my state, which I requested in the letter. The information being reported on my credit reported, mainly the balance, is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get accounts on my credit report verified or removed. The credit bureau has blatantly denied my request and refused to investigate the issue and I am very upset.
Product: Debt collection

the alleged debt from XXXX  XXXX was sold to a 3rd party " RESURGENT ACQUISITIONS, LLC '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.
Product: Checking or savings account

On XXXX XXXX I responded to a PNC promotion called " {$30.00} for 15 minutes '' here : https : //www.pnc.com/XXXX XXXX  On XXXX XXXX I received a call from XXXX XXXX. We set up an appointment for XXXX XXXX at XXXX. I mention the promotion, she is not familiar with it, so I email the link to her. I never receive a reply. 

On XXXX XXXX at XXXX, while I am stuck in traffic driving to this appointment, I receive a call from XXXX to tell me that they have cancelled the {$30.00} promotion early and wo n't be honoring it. I cancel our meeting.