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

Dear Sir/Madam, How are you? I hope you fine. 

I am very sorry to write email to you as I had sent one Letter to Director of Inspector General of Justice Department U.S by XXXX XXXX number : XXXX received by XXXX XXXX since XXXX, 2021, for helping in the JP MORGAN CHASE HOLDING our Fund in amount of US {$160000.00} which sent to our XXXX XXXX  XXXX XXXX XXXX 

Until now, I did not receive any feedback from the Office of Inspector General on my letter. I did not know the office of Inspector General had received my Letter or not because I did not yet receive our fund into our bank account at XXXX XXXX XXXXXXXX in XXXX. 

In this case I would like to request you for help in SWITF Tracking the our fund which JP MORGAN CHASE Routing to our XXXXXXXX XXXX  XXXX in XXXX. Please kindly help me on that case. 

Please kindly find my letter attachment sent to Director of Inspector GeneraXXXX. 

I am very appreciated if you could help on the case. 

Please stay safe and heathy during Covid-19. 


Thank you very much, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email : XXXX Tel : XXXX / XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX WhatsApp : XXXX Telegram : XXXX
Product: Debt collection

First direct mediation. Threatened lawsuit and made phone calls to my employer
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX - XXXX - {$89.00} INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I have been trying since Tuesday XX/XX/XXXX to withdraw funds from my brokerage account to no avail. I chatted online with XXXX different peoples still with no help. XXXX was the most helpful, however what he is instructing me to do as a workaround does not work. Their site will not allow me to disable Margin Investing so that I can withdraw my settled funds, message keeps telling me to deposit funds or sell assets but not providing an amount.
Product: Credit card or prepaid card

I recently checked my credit and noticed my credit card XXXX/ XXXX XXXX XXXX XXXX XXXX # XXXX reporting me 30 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays as they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease
Product: Credit card or prepaid card

Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. 
The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 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 lack of accountability raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/2022, I received a call/voice message from number ( XXXX ) XXXX, from a woman named XXXX XXXX claiming to be with the Florida State Processing Department and informing me that they had been contacted by firm XXXX XXXX XXXX  who were seeking to file a collection claim against me via the XXXX XXXX XXXX XXXX I called the firm with the direct line and case number provided to me in the voice message and spoke to " XXXX '' ( didn't get his last name ). He sounded legit, stated that my debt was with Rushmore, and gave me account number XXXX. I agreed to a {$500.00} settlement and paid a {$200.00} installment on it on XX/XX/XXXX, with the remaining {$300.00} to come out this Friday XX/XX/XXXX from my debit card. After the fact, I realized that I had already paid two settlements on Rushmore, one  with XXXX XXXX XXXX XXXX on XX/XX/2022 for {$240.00} and another on XX/XX/XXXX with a company named XXXX for {$350.00}. Both of these, I found out, involved the same account number XXXX, while this one with XXXX and XXXX has a different one. In addition to that, I looked up reviews about the website and its direct XXXX XXXX XXXX XXXX XXXX line and have found that many have deemed it as a scam. I think I have partially fallen for this and want to report it. 

The info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Toll XXXX XXXX XXXX Email : XXXX My Account Number as provided by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

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 a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX  ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Consumer Loan

i purchased a 2009 Hyundai sonata from XXXX XXXX XXXX XX/XX/2016 my down payment check bounced due to insufficient fund of XXXX dollars i was financed through regional acceptance corporation with a car payment of XXXX currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in XXXX 's name even though i 'm currently approved for a XXXX dollar loan i was contacted by XXXX police also about the check, XXXX states give them regional 's money and the XXXX making a grand total of XXXX or there is no deal! i disagreed with that amount and was told return the vehicle, i said OK but only if the loan is being canceled so i can submit a new deal somewhere else, i went to another dealership and tried to purchase another vehicle for the same amount with a new credit application and it was denied because i 'm still being told if i give this car back it is a voluntary rep o, when that 's not the case i feel 90 days is more than long enough for a vehicle to go in your name also XXXX lied and told regional that the car was in my name when it 's clearly not, the police has called everyone on my credit application, also the fact that my check bounced do n't make me a criminal the account is still open and active and a direct deposit went through that same month bank had took my check due to fees a payment arrangement could have been made with XXXX but now the situation has went too far. i would like to be done with XXXX but in a civil manner and not at the expense of my freedom or me not being able to purchase at a different dealership or bank.
Product: Credit reporting or other personal consumer reports

According to XXXX v transunion XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 16812. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNT merrick bank from my credit profile immediate. And a detailed detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Credit reporting or other personal consumer reports

The credit report has wrong addresses on credit reports. Accounts not mind XXXX  XXXX XXXX, XXXX XXXX accounts not mine. Theses accounts are damaging my credit and I need accounts removed
Product: Student loan

Credit reports shows late payments to Navient fromXX/XX/XXXX - XX/XX/XXXXwhich is Not accurate since these student loans were Always in Forbearance. At that time I was unable to make payments. First payment made to Navient was in XX/XX/XXXX, since then enrolled in auto-pay and payment made in a monthly basis automatically. Please Navient, resolve this since I was never notified of this, nor called to my personal phone, I was always contacting XXXX XXXX - Navient to ask for Forbearance options, I always did what I was advised by Navient customer service. My commitment has been always be in good standing with the loan provider, proof of that is my auto-pay enrollment since I was able to pay back to Navient. Please help and support. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Naviant had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 of 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 tracking these was unfeasible. The cfpbs findings indicate that Zelle has not only neglected to protect consumers but that has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams.
Product: Debt collection

The original creditor didn't inform me about the debt and sold my personal information to 3rd party debt collector, who didn't provide me any chance to dispute this debt and didn't provide me any debt validation as well. I am not agreeing with the amount of the debt and first time what original creditor sends me information was XXXX XXXX, but collectors put collection to my credit report on XX/XX/XXXX. I have sent the validation debt letters to both parties but didn't receive any validations and answers from both, just an original creditor answered through email that they still working under my dispute.
Product: Credit reporting or other personal consumer reports

I dispute the account that Experian reported incorrectly in my credit report and send evidence that shows the account doesn't belong to me. I sent a certificate letter to the company XXXX XXXX on XX/XX/2023. They never responded and asked Experian for the information they have to report the account and they never sent me anything, I sent the evidence of the certificate letter the past 30 days or more en still have no answer from Experian or the company, the violate my right an have 3 ore more violation to the law for not delete this account.
Product: Debt collection

I received an email from  XXXX  saying that a new negative debt had been posted to my   XXXX    Credit Report by TransWorld Systems INC. I checked with both the original debtor and the  XXXX   XXXX   XXXX  with whom I have already been working to pay this debt. Neither have ever heard of  XXXX  or has any affiliation with them.     They posted  XXXX   (  XXXX  ) d ifferent accounts on my report allegedly from the same debtor as well. This is also false according to the original debtor,  XXXX   XXXX   XXXX   XXXX  in  XXXX  Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Withdrawal of {$350.00} from my checking account on XX/XX/2022 from a dispute for a fraudulent transaction on XX/XX/2022 from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that Ally is not at all what their name says for their clients. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. 

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( especially for customers who are of XXXX decent ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Product: Credit card

I opened a secured credit card account with capitol on in XXXX, Today that account is closed and is now reading on my credit report as a charge off. I wanted proof of the 1099 used and I spoke to their accounting department and they informed me they didnt do one. It is also 7 years since that account has been opened they are continuously updating the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to no avail to get two addresses removed that are false. Their phone system has had issues and I was disconnected by the only two agents that were actually willing to help. After a total of four frustrating phone calls, I was told by every other agent that they have to follow policy and can not remove an address that a creditor is reporting. I advised them that I had contacted all of the creditors associated with the false addresses by phone and certified mail and they still had not updated. I had no issue with XXXX  or XXXX  with this, yet Experian still flat out refused to remove the last two INCORRECT and false addresses. They said this must come from the creditor. My first time contacting Experian about this issues was XX/XX/18 and the second time was XX/XX/2018.

I advised Experian that they should not be reporting false information- still no resolution aside from them continuing to tell me to contact the creditors which I had already done so over 60 days prior and 3 weeks prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the amounts of XXXX XXXX/ XXXX XXXX/ and XXXX from Equifax and three amounts of XXXX. I requested both agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response PDQ -XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.
Product: Mortgage

I bought a house and got a mortgage for {$350000.00}. The appraisal came in at {$440000.00}, so the loan is less than 80 % of the home value. The title company said the lender needs to remove the PMI, but they said they wont remove it for 10 years regardless of the appraised value. What is the rule about this?
Product: Checking or savings account

Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints. 
In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks. 
In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved