23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

All loan payments were paid on time and the crushing financial burden XXXX impacted other areas of our life. The maximum APR for a paydayloan is 153.77 %, this loan is 485.56 %. I requested that the amount over the principal be paid back and the loan closed out on XX/XX/24 and then followed up on XX/XX/24.
Product: Credit reporting or other personal consumer reports

I filed a compliant number XXXX on XX/XX/2024 as identity theft along with my police report. Per The Fair Credit Reporting Act ( FCRA ) it states if an identity theft report is submitted all accounts are to be blocked and/or removed from the consumers credit report within four business days. It's day XXXX! 
I received a message stating the companies have up to 60 days to respond. Per the FCRA they do not! They are past due and are in violation of this law. I am willing to file a violation claim and this is my proof of the violation. I would appreciate you enforing this law which is why I filed the compliant with you from the very beginning. I want the accounts removed immediately. 

My original complaint number for your reference is XXXX I will also reattach the Identity theft and police reports in case they were lost.
Product: Checking or savings account

( Claim # XXXX ) This notice is to inform Truist Bank that you unlawfully verified fraudulent activity as authorized transactions by the consumer - which arose from IDENTITY THEFT that you did not verify as required by law. 

12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) XXXX Liability of consumer for unauthorized transfers : ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions. 



2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E. 



See interpretation of 6 ( b ) Limitations on Amount of XXXX in XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter on XX/XX/XXXX advising that a collection from Rental Recovery is a duplicate account on my credit report. I received a response letter dated XX/XX/XXXX stating the status date was modified along with the balance date and was verified the item belongs to me. I also requested the procedure on what was used to determine this item belongs to me, with no response. I want to know how was an investigation conducted and you are reporting the same account on my credit report two times.
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 the lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I returned equipment to XXXX,, after waiting 2 months for them to send me a returnable shipping container. I finally got tired of waiting and returned it to the local store in XXXX, XXXX. I got a receipt for the returned equipment, showing a XXXX balance, that was in XXXX XXXX. I have been receiving monthly bills asking for the equipment or money. I have talked to XXXX at least 6 times and as late as XXXX XXXX. I received a call from XXXX XXXX, ( XXXX ) a debt collector from Central Credit Services, out of XXXX XXXX, XXXX. I told XXXX XXXX there was a mistake and I did n't owe anything. I told him that I have a receipt for what the item returned. I told him him I would find it and mail him a copy of the receipt, which I did the next day. I also sent a copy to XXXX. I asked that they stop bothering me when I sent them a copy of the receipt and a letter of apology. I got neither, because now I received amother letter asking for payment.
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 protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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: Bank account or service

My wife and I recently bought a house ; the escrow company we used was suppose to pay XXXX of my credit cards, XXXX with XXXX XXXX which was covered right away within the month the XXXX XXXX was with Wells Fargo which as of today has not been paid. They have me going back and forth with Wells Fargo and the closing escrow officer. Wells Fargo tells me the check was rejected while the escrow closing officer states the funds have been withdrawn, that the check was cashed by Wells Fargo on XXXX/XXXX/2015. Im still paying interest on that credit card and yet no one can tell me where that money is to pay off the credit card.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Personal Information ( Experian ) Current Address ( es ) : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I took a trip to XXXX, Florida for my birthday. I scheduled a Jet Ski tour on XX/XX/2020, to take place on XX/XX/2020 at XXXX XXXX. I arrived to the business and it was closed, not rendering services due to COVID-19. I attempted to contact the company for a refund due to the services not being rendered. I have been unsuccessful with contacting someone most likely due to the business being closed. I contacted BB  & T, my bank, for a refund. The bank denied my claim and will not provide provisional funds. The bank stated it will take 45 days for my funds to be returned, if they are returned. The bank refused to assist me in any way to recover the funds that I worked hard for and is letting the business continue to scam individuals.BB & T  provided no assistance and basically stated I can not have my funds returned to me. I spoke to a supervisor of Fraud Communication named XXXX XXXX who basically recited, " No you can not have your money in as many ways as he could. '' Please do not trust BB & T with any funds that belong to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit score dropped XXXX points. The ONLY change was a minor increase to the balance on my XXXX secure card. I have never been late and generally pay it off every month. It's only a {$100.00} limit. 

On XX/XX/XXXX, there were 6 changes to my report, mostly decreased credit balances, XXXX of them shows my XXXX card balance down to owing XXXX XXXX Yet, my score only went up by XXXX points! 

This is unfair and inaccurate! I have worked really hard to improve my score and in one swoop, XXXX balance increase completely stripped me of all my hard work. 

Attached are screenshots from XXXX XXXX, the score matches my current score that is on Equifax. Please note, XXXX shows my current score at more than XXXX pts above and before the " dispute resolution '' was not than XXXX above Equifax XXXX!
Product: Credit card

On XX/XX/XXXX, I received an email from Truist Bank advising that a payment of {$0.00} to a credit card ending XXXX ( which I have closed it last year of XXXX due of fraud issue ) could not be completed. I don't have any checking and saving accounts and credit cards with them. And yet, I receive this email. I called the Truist fraud department ( XXXX ) on the same day I received this suspicious email. One of the customer representative told me that the alert was sent in error and he will file a complaint regarding the issue. He confirmed that all of my banks accounts and credit card are closed in Last year and see no other records. On XX/XX/XXXX, I received another email from Truist saying that the email from XX/XX/XXXX was sent in error and they apologized for the confusion. Then on XX/XX/XXXX, I received another email advising that the same credit card ending in XXXX scheduled for upcoming payment from account 'Truist Savings XXXX. Transaction date is XX/XX/2025 and Amount is {$0.00}. I don't understand why I am keep receiving these emails regarding the accounts I have closed in last year. I can't trust any words from Truist Fraud department. I would like to get clarification on this issue.
Product: Checking or savings account

XXXX XX/XX/year> - I got an email that my XXXX account has been blocked on XXXX different bank accounts, XXXX of them being Ally bank ( I deleted the email thinking its a scam ). 

XXXX XX/XX/year> - I try to login to my ally bank app and it says to call the bank as it has been temporarily blocked. 

XXXX XX/XX/year>- I call the bank and am transferred to the fraud department where they tell me someone has flagged my transaction as fraud and I get the name of the person I was sending and receiving the XXXX to/from. They further state that my account is under investigation and they have no other information. 

XXXX XXXX- I call the fraud department a few more times but get no other response and am told to wait till the investigation is complete. 

XXXX XX/XX/year>- Spoke to XXXX from the fraud department and she says there is no update from the investigation team and upon asking the reason for the investigation again, she states the same thing about my XXXX  transaction being flagged a fraud. 

XXXX XX/XX/year> - Called the fraud department to update that my wallet with my debit card was stolen on XXXX XX/XX/year> ( in my possession now as some guy found and mailed my wallet back on XXXX XX/XX/year> ), they casually stated that they will make a note of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove XXXX account and the XXXX account both of which are 7 years old from my credit report with them. XXXX has removed them both. I would like a {$1000.00} each for both accounts as they will not remove them.
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the following accounts be verified or removed immediately. 

XXXX XXXX  XXXX - There are several reporting inaccuracies which is a BLATANT violation of my rights under Round 3-Under 15 U.S.C. 1681i Paragraph ( 5 ) - Under 15 USC 1692g. Validation of debts-Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report or provide
Product: Debt collection

The XXXX XXXX XXXX  XXXX if fraudulent reporting a negative item on my Transunion file. I have filed with the FTC under fraudulent activity.
Product: Checking or savings account

Both the mobile application and atm mini statement show my Wells Fargo account processing a debit transaction of {$100.00} on XX/XX/21 and an associated {$35.00} NSF fee for the transaction that was debited from the account on XX/XX/21. The debit transaction in question is reported by Wells to be a transfer to my XXXX account yet my XXXX account has no corresponding credit and moreover I do not recognize the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX  that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX XXXX is showing Im late 90 days 20 times how can this be if this account is charged off? Citicards cbna is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Product: Mortgage

Property was sold via public auction while litigating with XXXX XX/XX/XXXX. 
Received notice case was squashed XX/XX/XXXX. 
Received email from OCWEN that my mortgage was paid on my behalf. 
Inquiries about who paid it and why, what happens to property title, and if there is any compensations, have been to no avail. 
What's next?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint regarding a debt collection notice I recently received from Cedars Business Services. The notice indicates that I have a past-due balance of {$1000.00} with XXXX XXXX XXXX XXXX XXXX 

However, I must clarify that I have never visited or utilized the services of XXXX XXXX XXXX XXXX at any time. I firmly believe this is a case of identity theft. 

Upon discovering this discrepancy, I have taken the following actions : Reported the incident to the Federal Trade Commission ( FTC ). 
Reported and closed all accounts that I was aware of being compromised. 
I am requesting your assistance in disputing this alleged debt and ensuring that it is removed from my records. This situation has caused significant distress, and I am seeking your prompt intervention to resolve this matter. 

Thank you for your attention to this urgent issue. I appreciate your assistance in protecting my consumer rights and addressing this identity theft incident. 

Sincerely,
Product: Debt collection

I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because Countrywide had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a Countywide Trust ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer BofA or XXXX XXXX XXXX XXXX XXXX XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and BofA PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.