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

On XX/XX/2023 my mobile banking app was hacked. There was a fraudulent deposit followed by a {$400.00} Zelle transfer out of my account. I immediately contacted my bank on XX/XX/2023 after I first noticed the fraudulent activity. They submitted the XXXX fraud claims XXXX for the deposit with the bank and XXXX for the money transfer through Zelle. The deposit was fixed after the bank declared the deposit fraudulent and they removed the amount deposited from my account, without first resolving the Zelle, leaving my account in the negative. A few days later Zelle denied the fraud claim saying it did not appear to be fraud to them leaving me, a XXXX XXXX XXXX having to pay off {$400.00} dollars that I didn't spend or get. XXXX XXXX then claimed that Zelle is a third party provider leaving it out of their hands even though they actually own a 7th of the Zelle company.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of " investigating the consumer. '' According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not 100 percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. 

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX University XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX & CO XXXX CXXXX XXXXXXXX XXXX XXXX XXXX SERV XXXX
Product: Credit reporting or other personal consumer reports

I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

XXXX XXXX XXXX XXXX XXXX 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

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : YOUR NAME - XXXX XXXX ADDRESS - XXXX XXXX XXXX, XXXX, LA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures,, ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX
Product: Vehicle loan or lease

I '' ve call MERCEDES-BENZ FINANCIAL SERVICES & on the website they offer covid ASSISTANCE & i WAS IN THE XXXX XXXX XXXX XXXX &  THE CAME ON GOT THE CAR. LEAVEING ME BY MYSELF NEVER OFFER ME ANY HELP WITH PAYMENTS. IT'S HURT MY CREDIT & CANT GET A NEW CAR. I have right under the U.C.C. - ARTICLE 2A & Mercedes - Benz charged me a down payment. They had people break into my car & they had a 3party call & threating me
Product: Credit card or prepaid card

On XX/XX/XXXX, I made an appointment with a cleaning service via their website for a 9 am cleaning appointment on XX/XX/XXXX. The total was {$320.00}. 

The next morning ( XX/XX/XXXX ) at XXXX XXXX, the company calls me to say they can not complete the service at the price their website charged me. I was told I need to pay a new amount 24 % higher than the original quote. The new price was $ XXXX. I said I could not afford that and was unable to move forward. I was then told that there is a cancellation fee for canceling within XXXX hours. I told them it was not within XXXX hours ( it was now XXXX XXXX  and the appointment was for XXXX XXXX  the next day ). He said it didnt matter, if I didnt pay him the new {$400.00} fee I would have to pay him the {$75.00} fee. He would not honor the service I originally purchased. We hung up.

30 mins later, once it was within the XXXX hour window I received a confirmation via email that my appointment was finally cancelled by the owner, the only person with access to cancel the appointment. I then received a receipt for {$75.00} cancellation fee via email. 

I disputed the transaction with Capital One as my request to cancel was clearly outside of the XXXX hour window. And the terms on the merchants website state only that cancellations must be requested more than XXXX hours in advance. It does not specify in the terms how those requests must be submitted. 

I lost my dispute with Capital One because ( XXXX ) I was informed about the cancellation fee, even though it didnt apply to my timeline and ( XXXX ) because my cancellation request needed to be made in writing according to the owner, although that is not stated in the terms. 

I am writing CFPB in the hopes that I can have the rules applied fairly to this purchase and dispute. There were no services rendered because the company would not honor the original purchase. They cancelled my online purchase for {$320.00}, replaced it with an authorized {$400.00} one and put me in the position to have to cancel that unauthorized choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following student loan accounts on my credit report as both open and closed accounts. Account Name : XXXX XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account numbers are the same. How can the same accounts be open and closed? This is an obvious inacuracy. Law states that everything reported has to be XXXX XXXX accurate.
Product: Student loan

I currently have XXXX private student loans being processed by Navient totaling XXXX. 
I have been on XXXX as of XX/XX/XXXX. I receive a total of XXXX a month in XXXX insurance. I currently pay private Medicare Advantage insurance of XXXX a month. I have attempted four times to seek financial forgiveness of my loans under the Total and Permanent Disability Act with Navient. Navient has forgiven XXXX of my loans for which I have attached documentation of along with my original diagnosis from my XXXX. 

Navient 's claim for not honoring the Total and Permanent Disability Act is that the current existing loans are not eligible for the TPD program without stating any reason why this is the case of their claim nor providing requested documentation showing proof of their claim. 
It is my understanding after talking with several persons at Navient that it is up to their " private discretion '' as to honoring forgiveness of my loans under the TPD act. 

I am reaching out for any assistance as to the veracity of their claim under my medical and financial circumstances. 

Thank you for your attention to this matter. 
XXXX p. XXXX e. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.
Product: Mortgage

My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out XXXX XXXX to Experian, XXXX, XXXX and the XXXX. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

On XX/XX/XXXX I called my credit card provider, ( Capital One ), to make a balance transfer to pay off one of my bills for {$5400.00}. I checked the transaction 10 days later and it had not posted on my bank. Instead it was made to a different bank that I 've never heard of, XXXX XXXX XXXX and to a different account number from the one I gave the Service Rep that took my call. I called Capital One on XX/XX/XXXX and they said to wait another 10 days. I have called numerous times. The second time I called I was told to call the bank myself but yet they would n't even give me the account number the transfer had gone to. I kept calling and asking for the supervisor in the Balance Transfers Department but I was told the same thing every time. That it would take three months for the investigation. Now my credit card bill shows the {$5400.00} plus the {$100.00} transfer fee which I have been paying on the monthly payment of {$54.00}. I asked them to please credit back my account since the error was made by the bank, Capital One and why are they making me pay for their error. 
It sounds like FRAUD because the Rep that took my original call was n't very clear and I do n't remember she reading to me the company disclosures. I do n't understand how I gave them my bank information and the account number and the transfer was sent to a totally different bank and totally different account number that they are refusing to give to me. They are being rude about me calling various time to check on that matter. I do n't know what else to do. They are not returning my money and Im still paying high interest on my original bank which that was the purpose of the balance transfer to begin with plus I have to give them a monthly payment. Im asking for help or please tell me how I can go about this. I really appreciate all the help I can get.
Product: Credit card

We attempted to make payments to Sam 's Club XXXX and our electronic payments were not accepted by their bank without explanation. When I called them they could n't explain and declined to call our Credit Union. Then they charged us interest ( at outrageous rates ). I cancelled the card and they cancelled the points we had earned. We have a decades long history of paying all our credit cards in full and on time every month and have never experienced this problem with any other credit card. Our credit rating dropped from over XXXX to the low XXXX 's, I assume because of them. - XXXX XXXX
Product: Debt collection

Have no idea why or what this account is that is in my collections. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 medi busi bur XXXX has violated legal compliance under 15usc 1681. I am a victim of identity theft. And I have disputed the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXXPlease remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX  the also have records of file the are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home equity loan. The lender sent 2 letters one for myself, and one for my husband. My notice states under my score factors : 1. Number of accounts with deliquency 2. Too few accounts currently paid as agreed 3. Proportion of loan balances to loan amounts is too high 4. Length of time accounts have been established I dispute all of these statements. I have no delinquent accounts. My accounts are all paid as agreed. The only loan I have is my mortgage, myself and my husband are on this, the original amount was approx. 280,000. The balance is XXXX. Never a late payment. None. I actually send extra towards the principal every month. My current home value is {$400000.00}. +. The length of time accounts have been established. What does that even mean. I have credit cards that are XXXX XXXX XXXX, no balance. no late payments. I have a credit card that is about XXXX XXXX XXXX. No balance, no late payments. 
Have I had these accounts too long, or not long enough. Ridiculous erroneous information. 
I was on a chat with trans union consumer US, that was abruptly discontinued with no resolution. Just repetitive questions that got me nowhere then hung up. 
So here I am, trying to get these negative, inaccurate items cleared up. Thank you.
Product: Credit card or prepaid card

The credit card company " Discover '' refused to lower the 24 % fees or help by reducing the monthly payment. 
I could not continue making payments, due to lack of work and my SSI could not handle the extra fees and penalties. 
I am XXXX years old and SSI is my primary source of income. 
The credit card company added more fees and wants me to pay the new fees @ 6 % interest, but refused to offer that when I was able to make payment. 
XXXX help, I am being harassed by a loan shark that ruined my credit and I can't even get a HELOC Home Equity line of credit to pay these bogus charges because of my credit rating.
Product: Credit reporting or other personal consumer reports

Sandander has misleading and inaccurate information on my credit report under XXXX XXXX, XXXX and XXXX. The car had manufacture issues and was suppose to be zeroed out. After time the loan was still being reported and not zeroed out. The loan is saying open after being told it would be closed. The monthly payments, date opened, balance, month term, last date active and date of last payment are different with all credit bureaus. From research I've seen that this company has had problems in the past with report information to the credit bureaus and is harming report scores I believe that I am in affect with this, seeing that this company is report negatively on my credit score. I will like this account deleted from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX and a XXXX XXXX credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!
Product: Consumer Loan

I paid the title loan off in full per the claim from Wilshire Consumer Credit XXXX XXXX, 2016 and now rude and very unprofessional argumentative customer service stating I must pay additional {$690.00} to pay in full and get the title back for my truck, I have made several attempts to contact the supervisor however she never returns my call or respond to my letters. I paid the loan back in full {$6200.00} and just want my title free and clear.
Product: Debt collection

Collector ( CONVERGENT OUTSOURCING0 tired to collect {$120.00} balance from a XXXX phone bill that has a different last name than my last name. 
As soon as I received the collection notice from this collection agency ( CONVERGENT OUTSOURCING ), I sent them a registered mail to request debt validation for the total balance of {$120.00} under the account., the letter was received by the collection on XXXX XXXX, 30 days past, the collection agency never responded my request, but instead of post it on my credit report with the credit bureaus. Under XXXX XXXX Code Section 392.202 a debt collection agency has 30 calendar days to respond to a debt validation request. If the collection agency fails to respond to validation request then they have essentially admitted, per XXXX XXXX Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, the collection agency ( CONVERGENT OUTSOURCING ) have failed to do so. This inaccurate information must be deleted from my credit file immediately