23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Square deactivated my business account and are holding {$1200.00} of my funds for 90 days. I am a single mother this is causing me to be homeless. I only had 2 transactions and neither were over {$80.00}. This is insane to hold someone funds for 90 days. They wont communicate either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX  2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXXXXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and Equifax.
Product: Debt collection

We are currently in XXXX Court ( next court date XX/XX/XXXX we filed XX/XX/XXXX ) finalizing our payment plan for a chapter XXXX bankruptcy. During this time there is a stay in place and American Express who sued us last year ( before we filed ) went ahead on Friday XX/XX/XXXX and took our Tax Refund and other money from our bank account, every cent we had, money meant for our mortgage and property taxes, bills and groceries ... every cent {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX   XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
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 this to repeat and exploit the system. Leaving users vulnerable to scams. The 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

after filing a complaint with the cfpb i tried contacting Synchrony bank and left lots of messages and i did n't get any call back from XXXX XXXX at XXXX ext XXXX i sent them a dispute letter and disputed over the phone but i never got a response from them the results of the dispute i requested from them all documentation what they have to prove there claim but till today 's date i did n't receive anything from them, i believe they are in violation of the FCRA they need to respond within 30 days of the dispute and they did n't, i sent out a dispute letter to paypal on XXXX-XXXX-2017 an a dispute letter to Synchrony bank on XXXX-XXXX-2017 and to XXXX i was requesting validation and i wanted to know how the came up to this amount but i was ignored and nothing was investigated, now here i 'm still in the same situation. i had sent an email to the bank on XXXX-XXXX-2017 to XXXX XXXX President & CEO Of Synchrony Financial and to XXXX XXXX XXXX Executive Vice President & Chief Information Officer at Synchrony Financial an the y never got back to me they ignored my dispute and my concerns,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, Equifax, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Product: Mortgage

Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage. 

M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior. 

Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing significant distress. These accounts were not authorized or approved by me, and it is unfair for me to be held responsible. I urge you to promptly address this matter.
Product: Mortgage

Selene Finance LP sent check # XXXX to XXXX XXXX in the amount of {$1800.00}. Which we received on XXXX XXXX. The check was dated XXXX XXXX, it was issued because of a short year escrow after we sold XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( my father ) has been deceased three years now. I called Selene finance on XX/XX/year> to find out what we needed to have the check re-issued to a heir of XXXX. On XXXX XXXX, we emailed Selene Finance LP my sisters driver license, dad 's death certificate, mailing address, probate documents for dad 's estate, and a quick claim deed for the house. Then I called Selene XXXX XXXX, they told me that XXXX would have to call them since the check would be issued in her name. XXXX has called them numerous times. On XXXX XXXX. Selene Finance LP sent XXXX documents about making mortgage payments for a house that has been sold. Then they wanted her to fill out a w-9 form for taxes. XXXX sent them by email on the XXXX. The called Selene Finance on XXXX XXXX to find out when they are going to mail the check because they told her that they needed to find out if the check had been cashed. They have gave all kinds of excuses why the check has not been sent. Selene Finance LP said they sent the check XXXX XXXX. XXXX has not received the check yet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

TransUnion : 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 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: Student loan

I had thought that my student loans were deferred. I applied for that when I had to take off for family illness. 

I did n't hear anything until I got the paper that they were taking my tax refund. I had no chance to review or dispute or even to make a payment arrangement. 

This puts our financial situation at risk. We needed that return to catch up on bills. 
.
Product: Credit reporting

I attempted a couple of days ago to obtain my free credit report from Equifax online and received a message to try another time. I tried today and now it wants me to request it in writing with proof of identity such as XXXX, etc. which I do not have! XXXX XXXX and XXXX did provide it but Equifax is making it very difficult!
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no insight into them, and the company initiated them without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however Experian ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing account # XXXX, Equifax stated the account was verified as belongs to me. I have requested validation of debt from Equifax and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my Equifax report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.
Product: Student loan

I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX XXXX XXXX  and XXXX & Equifax about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ).

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX accounts  never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted  immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You  have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Product: Mortgage

Flagstar bank did not properly protect my identity nor did they notify me in a timely way. My identity was stolen almost 1.5 weeks prior to notification from the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the Experian quoted the credit report score at XXXX, this, with XXXX collections and a ( XXXX ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the Experian, XXXX and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! : - ) HAPPY HOLIDAY 'S!!! 
Sincerely, XXXX XXXX XXXX XXXX XXXX