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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. 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 repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I urge the CFPB to publish detailed findings and take immediate action to address these issues.
Product: Credit card or prepaid card

I have a Home Depot credit card with {$20000.00} limit there saying I owe {$34000.00} which Iam not sure how its over XXXX and when I called to get signed receipt and I will pay in full they havent sent receipt and now charging me big interest iam willing to pay what owed but not XXXX extra because they want to bully me Ive had R1 credit and credit cards for 15 years always pay in full so am not charged interest but now they want to jeopardize my credit score so not sure but if they wreak my credit I will not pay another XXXX to them and I told them I would pay but they cant prove to me my amount just there amount thanks for reading this XXXX
Product: Mortgage

Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXCLUSIONS its ILLEGAL TO REPORT INNACCURATE INFORMATION on my consumer report. 
DELETE ALL WITHIN XXXX DAYS
Product: Student loan

Since XXXX it has been an absolute impossibility trying to get Nelnet to correctly do their job. I have spent more than a dozen hours on the phone waiting on different representatives, all who have been no help. I applied for the XXXX XXXX through students.gov website back in XXXX. I followed up with Nelnet to make sure they have all the correct info and was told I needed to provide current income, even though that should have been possible with my tax filings through my initial submitted plan. I gave the rep my info and asked him how long I could expect for this to go through. He assured me within a months time. I filed a complaint on students.gov on XXXX and it is still pending and I was guaranteed a response within XXXX of that. No response to this day. XXXX you know, many days go by and I had zero updates on my account and my plan still hadnt changed. I believe that initial call was on XXXX. Then I called again XXXX and waited over another XXXX hours to reach a representative. I explained to her that I was recording this phone call and then asked why my plan had not been updated, why I had received zero correspondence from them and why I couldnt open any old inbox messages. She had no answers. After XXXX separate long waits while she spoke to a higher up privately, she then told me that the last representative didnt properly direct my plan. She also told me she didnt have a reason as to why my correspondence had been turned off on their end..I reiterated the situation so she could confirm my understanding. I said so the last rep didnt do anything right and you guys had my correspondence off and now Im about to accrue interest? She said yes. I said I wanted my plan corrected to where it should have been for over a month at this point and she told me I had to send in a self verification letter! to once again establish my income which should have already been done twice at this point and that they could only put me on a forbearance which would still accrue interest. I said so Nelnets blatant mistakes are now causing me money and you cant do anything about it even though I have did everything I should have done? She said yes. I told her this was unacceptable and is part of the reason there is a huge negative stigma associated with the company at this time. It sounds like fraud to me. Its now XX/XX/XXXX and my plan has not changed yet even though I sent my certification letter in a while back. I will not be paying Nelnet extra money because of their admitted incompetence and mistakes. I have the whole recording of that conversation. I filed for the save plan initially on XX/XX/XXXX. Thats almost 3 months ago. This is shameful. I also asked the last representative if they had a transcript or recording of the call from XXXX and she told me yes. So they have proof I was lied to then.
Product: Debt collection

Upon closely inspecting my recent credit report, I noticed several accounts that seem incorrect and were added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAC FINANIAL CORP add a derogatory mark on my credit reports. CAC FINANIAL CORP did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

i pulled a report on my credit, it showed a collection for XXXX. collecting agent diversified consultant. creditor XXXX XXXX or XXXX not sure which. when speaking to collection i provided my social sec # no account showed up. i asked then why it was in my report i got the runaround saying i needed to call XXXX  for account number. when i asked for the number i got a i dont know answer. i asked for a supervisor he said sure and hung up on me. 
acc opened XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone tired to open an account in my name. I have XXXX unauthorized fraudulent inquiries on my credit report that need to be removed. Unauthorized Fraudulent Inquiries XXXXXXXX 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/2023 I called Equifax regarding this issue a XXXX  times and they refuse to investigate and I submitted a dispute on their website and they immediately denied removal of the fraudulent inquires without viewing any supporting documentation. XXXX  an associate of theirs told me there is nothing they can do and this will stay on my credit report for XXXX years and refuse to investigate. This is why Im failing this report. This is hindering me from financial advancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX   Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge about them, and the company acted without my consent.
Product: Credit reporting

Back in XXXX 2015 I mailed my request to have my consumer report sent to me so that I can go over the information. I receive the consumer report and noticed there were alot of inaccurate information being reported and this could harm me for employment, financially and negatively in every aspect. On the report they have crimicl information for Texas so I contacted the XXXX XXXX Police department and received a letter from them saying those charges were dismissed because I was n't in Texas. There are several other charges on there associated with addresses that I have disputed because of ID Fraud those items also needs to be removed, They have a judgement that is n't mine that also should be removed. On top of inquiries that I did n't authorize that should be deleted. Safe Rent also have my parents address on my report as mine and this information should not have been included at all. There are XXXX dismissed eviction filings that needs to be removed as well
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued dissatisfaction and concern regarding the unresolved issue of fraudulent items in our records. Despite our previous attempts and numerous communications, it is disheartening to note that these fraudulent items persist. 

We have provided comprehensive documentation and evidence to support the removal of these fraudulent items, highlighting the detrimental impact they have on our operations and financial standing. Despite our efforts, there has been no tangible progress in removing these erroneous entries from our records. 

We urge you to escalate this matter and allocate the necessary resources to expedite the removal of fraudulent items from our records. Additionally, we request transparent communication regarding the steps being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX XXXX XXXX : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023.
Product: Money transfer, virtual currency, or money service

XX/XX/year>. i transferred XXXX dollars to robinhood account from my debit card that is connected to robinhood to invest in XXXX and then move it to more profitable stock and secure it in robinhoid wallet but ones robinhood got the money they restricted my account and i cant do anything with my XXXX dollars and the value going down. i tried to request to call me to explain why my account is restricted but they have not answered back and there message says that my account restricted till XXXX XXXX the money is still being used for investing by robinhood but i cant do anything with it.
Product: Debt collection

Hi, I was called by Recover Portfolio and the gentlemen on the other line threatened me if I don't take care of the debt that legal actions will be taken. I have no recollection of any purchase with XXXX XXXX  or Recover Portfolio loan. Please take it off my credit history. Thank you.
Product: Credit reporting or other personal consumer reports

In [ month/year ], XXXX XXXX reported a charge-off on my account, with a balance of $ [ amount ] written off. This action was reflected in my credit report, and the charge-off status has been negatively impacting my credit score. Despite the account being charged off and written off as a loss, XXXX XXXX has not provided me with the required IRS Form 1099-C to document the cancellation of debt, as required under the Internal Revenue Code ( 26 U.S.C. 6050P ) when {$600.00} or more of debt is forgiven or canceled. 

I reached out to XXXX XXXX to request the 1099-C form, but they have failed to respond or provide the necessary documentation. I believe they are in violation of IRS regulations by not issuing the form, and this is preventing me from properly addressing this matter in my tax filings. XXXX Additionally, Equifax has continued to report wrongful and inaccurate information on my credit report without my consent. This has caused further damage to my credit score and is a violation of the Fair Credit Reporting Act ( FCRA ). I have not authorized Equifax to report this incorrect information, and they have failed to investigate and remove the erroneous data despite my attempts to dispute itXXXX XXXX  I respectfully request that XXXX XXXX issue the IRS Form 1099-C as required for the charged-off debt so that I can accurately report any forgiven debt on my tax return. I also request that Equifax immediately cease reporting incorrect information on my credit report and remove the inaccurate data related to this charge-off. This matter should be resolved in accordance with both IRS guidelines and the FCRA XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ASAPXXXX XXXX
Product: Payday loan, title loan, or personal loan

Covington Credit refused to stop making phone calls after I told them I was filing for chapter XXXX bankruptcy ... The phone calls got so bad that I had to contact their corporate office to get them to cease and desist calling me ... Their aggressive collection activities made me sick from XXXX ... The stress was so bad for me that I developed XXXX   symptoms from XXXX XXXX on my XXXX XXXX XXXX  on my XXXX ...
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

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

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

I spoke with there customer service Rep last year around XX/XX/23. when I found out that the company was being sued for predatory loans and they told me that there was no decision made on this suit as of yet, I then asked can I get a refinance on my loan too lower the monthly payments and they said no.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was desperate for medical help and ended up going to XXXX XXXX 's XXXX XXXX. From the get-go they demand you take an upfront loan of ridiculous proportions without promise of an end result ( XXXX XXXX upfront ), and I fell into the trap as I was desperate for relief. They signed me up for a 5 year loan to pay off my 6 month " treatment '' where I would go into their office twice a week to sit in a dark back room where I sat on a grounding pad, put my feet in water and electric pulse devices stuck to me for XXXX minutes. They have you pay for XXXX to XXXX supplements at a time from them only and and you have to pay for your own bloodwork too ( {$400.00} extra every 3 months ). By the final month when nothing had improved, suddenly I was berated for not taking the supplements as necessary because I couldn't AFFORD buying more and more because they already had me strapped from the loan and bloodwork and transport to/from their facility! 

I felt bitter and scammed by the end in XX/XX/XXXX. 6 months and no way to take it back at any given point because it was an upfront predatory loan that I couldn't escape at an earlier point so I just grinned and bared it. I'm stuck paying {$360.00} a month on a scam that did nothing for me as someone with a chronic disability. I'm a singular person barely making ends meet and had to open a gofundme at one point so I could pay my bills. Most of the other patients I was there with also complained about the same issues I was experiencing of nothing working out for them. 
The loan itself is with Proceed Finance that they signed me up for from the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00}
Product: Checking or savings account

I, XXXX XXXX, under the penalty of perjury certify that all forthcoming statements are true and factual. On XX/XX/2021 Bank of America to be continuously referred to as BOA began violating my rights as a consumer when they knowingly and willingly sent me postal mail expressing that the company reversed a mobile deposit of check # XXXX that was made on XX/XX/2021 using BOA account # : XXXX. This is fraudulent action violates the Fair Credit Billing Act which was enacted to cover settlement procedures in relation to billing errors. Those billing errors include : Unauthorized charges, Charges with an incorrect date or amount, Charges for undelivered goods or services. Math errors, Failure to post payments or credits for returns, Failure to send bills to your current address, and Charges for which you request clarification or written proof of purchase. The actions taken by BOA display a blatant disregard for the Fair Credit Billing Act and Fair Credit Reporting Act because they are inaccurately being reported and include math errors, unauthorized charges, charges with incorrect dates, amounts, and account information, as well as charges for which I request clarification. BOA has yet to provide me proof as a consumer and account holder that an actually check deposit of {$3500.00} was in fact redeposited into account # XXXX via mobile deposit on XX/XX/2021 for the 2nd time following the initial deposit of this check via mobile deposit on XX/XX/2021. BOA is stating that I redeposited a duplicate check into my checking account # XXXX on XX/XX/2021 and because of this they reversed {$3500.00} out of that same account number forcing the account to become negative {$3500.00}. This account being in a negative status has caused me financial and emotional hardship due to the fact that this is the only personal bank account that I currently have access to. I can not pay my bills using my bank account or deposit funds without them being illegally stolen from me by BOA. BOA has a history of being predatory toward consumers and violating consumer and federal laws for self-gain. BOA has 30 days starting upon the receipt of this complaint to validate their fraudulent activity taken or credit my account in the amount of {$3500.00} immediately. BOA needs to abide by federal law despite company policies and ensure that they discontinue the use of illegal practices that violate the Fair credit billing act, the fair debt collection practices act, and the fair credit reporting act.
Product: Mortgage

I have a mortgage with Quicken Loans. The original amount was about {$280000.00} on XXXX XXXX XXXX and I have paid every mortgage payment on time. Beginning in XXXX of this year, Quicken Loans has started hounding me to refinance my mortgage through regular, unsolicited phone calls. During one phone call, I agreed to look in to refinancing, but the only thing they could offer me was a larger monthly payment. I told them verbally that I was not interested in this offer. They continued to call me, and it soon escalated. For most of the month of XXXX, I received 4-5 calls per day pressuring me to accept their refinance offer, including week days and some weekends. I did not respond to their calls. On XX/XX/XXXX, I received an email from them requesting me to refinance my mortgage. I responded to that email requesting that they stop contacting me about it because I wasn't interested and that I'd much rather have any future mortgages through a company that wouldn't hound me this way. I continued to receive calls from them regularly. On XX/XX/XXXX, I answered another call and made it clear that I was not interested in refinancing. They were very condescending and assumed that because I was a woman, I didn't know about recent market changes that could impact refinancing rates, even though I've worked in finance for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Product: Debt collection

PayPal credit account had wrong address, collections dept contacted me and we agreed if I paid off my account she would close the account I paid and received another bill for XXXX dollars
Product: Mortgage

I fell into XXXX XXXXXXXX and lost my job which resulted in defaulting on my mortgage. I was not working for almost a year and struggled to continue living. I was able to get help and started working again. My loan was transferred to LoanCare and I never knew there were programs or assistance available to me because no one from LoanCare ever reached out to me, sent me anything or attempted to provide me with options other than to sell my home. I am facing a foreclosure sale this Tuesday, XX/XX/2018 and I am running out of options. Had I not done some research to find out that I in fact do have rights as a homeowner and I should have been provided options from the lender, I would have never known. I feel I was taken advantage of and was never explained fully what options I had to save my home. Now I fear time is running out and it is too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.