23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Date Opened XX/XX/year> Responsibility Individual Account Loan Type DEBT BUYER Last Payment Amount {$0.00} Original Amount {$3900.00} Original Creditor XXXX XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I attempted to send funds to a recipient via the Zelle peer-to-peer payment platform. While I correctly entered the recipient 's name from my phone contacts, the transaction was inexplicably routed to a different phone number associated with that name. 
Despite immediate notification of the error to Zelle customer support, recovery efforts were unsuccessful. I was informed that Zelle operates as a facilitator of peer-to-peer transactions and does not have the authority to reverse or reclaim funds once they have been successfully delivered to the intended recipient 's account. 
This experience highlights a potential vulnerability in the Zelle system, where discrepancies between contact names and associated phone numbers can lead to unintended transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status UNPAID
Product: Debt collection

Dear Sir or Madam : I recently obtained a copy of my credit report from Equifax Credit Report and found the following item to be in error : Citizens Bank ATTN :  XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX Account # : XXXX Amount : $ {$11000.00} On XX/XX/2017, Citizens Bank and I agreed to a settlement of {$3500.00}. However, Citizens Bank continues to report this loan and unsettled/written off which is directly effecting my credit score. I have spent several days trying to resolve the matter but Citizens Bank continue to ignore the matter. 

I am officially writing o CFPB and asking for assistance because my efforts have gone now where. I have also reported these to the 3 credit reporting firms for dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting my address as an high risk address aka red lining to alert service providers not to provide service. Redlining is against the law Direct violation by Experian it violates the fair housing act and the equal credit opportunity act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.
Product: Credit reporting or other personal consumer reports

I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I became aware of student loans that was on my credit report a few years ago that I didn't take out. I has applied for a line of credit that I didn't get because of the student loans was on my credit that I was unaware of. I immediately contacted Great Lakes about these loans that I didn't take out. I applied for one student loan for the amount around {$1600.00} dollars also I applied for XXXX XXXX and was awarded full XXXX XXXX that covered my complete school tuition while attending XXXX XXXX. I was told by Great lakes that it could take up to a few years to complete the investigation. I would call ever few months to check on the case. XXXX XXXX was been under investigation because students had filed complaints that they where being over charged for tuition. I checked my credit report around XXXX  and the student loans was removed from my credit report. I called Great Lakes to confirm that the case was resolved and was told some one in that department would get back in touch with me no one ever did. i recently checked my credit and the student loans where back on my credit report but it has a different lender that i know nothing about the name is showing on my credit report as Nelnet and the total amount it showed for student loans {$16000.00}. It has been XXXX years since this has happen and it is back on my credit. Student loans that i didnt't take out. The XXXX XXXX office help me complete all of my XXXX grants.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has placed a credit freeze on my account for no reason. I didn't make this request but have been trying to get it cleared for over 10 days now. When I try to call them the phone system hangs up and I can not get to a representative. This is a unethical method to get me to join their program to get Experian program to remove the credit freeze. I need help to get this resolved as so far they are not being helpful and have been avoiding any type of request made via mail or phone call.
Product: Debt collection

I purchased concert tickets online from XXXX, (no physical possession of tickets) concert rescheduled, XXXX  offers to resell tickets. I agree, they sell tickets and assist me over phone and computer with delivery of tickets. They email me confirmation of sale and delivery and pay me several days later. 39 days later they email me indicating my "sale was cancelled for failure to deliver". They want money back plus a fine of $XXXX.I've emailed, snail mailed and called several times and provided copies of email confirmation of delivery, they turn me over to collections. I contact collection agency and offer the same info, to no avail. Please help. I have all emails and phone records.Thank You
Product: Mortgage

I started a re - finance with Intelliloan in XX/XX/2020 and was supposed to close in XX/XX/2020. 
loan amount - {$340000.00} I have been calling and e-mailing with no response.
Product: Checking or savings account

I have requested Axos bank to close my account months ago but still got a statement now. I called the bank several months ago to close my account and was told my accounts were closed, but they still sending me bills. 

It is abusing my information and not fulfilling their responsibility to delete my personal data upon requests. I called the bank again and was told that they would close my account- but i was told that months ago too!!! 

this is about account that seems im never able to close!!! plus the bank insists on keeping all my personal data for two years after repeatedly requesting to relate all my personal data! 

I was pretty much duped into opening an account by AXOS marketing info which had fine print that cheated users like me. Once I found out their supposed offer of reward comes with ridiculous terms i asked to close my account and its still not closed!!!! 

Please dont open an account with AXOS bank - dont do it!! you would be harassed from then forever by this institution!
Product: Checking or savings account

On XX/XX/2023 the irs deposited an ACH deposit into my checking account in the amount of {$210000.00}. I expected the money that day and made arangments to purchase a lot property in XXXX XXXX from a private owner, so i went to pull out XXXX at us bank at XXXX in XXXX XXXX Nv. Proceeded to the next branch to get the remainder and the branch manager took it up on himself to report my deposit to fraud and locked me account. My kids are hungry i cant get to work, i cant feed my kids or afford to take them to school because us bank was my primary bank that has now locked my account for no apparent reason at all. I am requesting immediate access to my money inside my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports from XXXX XXXX, XXXX and XXXX. after reviewing all three credit reports ; there is a collection from LockHart Morris & MO for the amount of {$680.00}. LockHart Morris & MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the HIPPA LAW.
Product: Money transfer, virtual currency, or money service

I'm currently having an issue with venmo freezing my account after attempting to make a bank transfer. I was then told to upload a state issue photo ID in which I did. Once I uploaded a picture of my state issued photo ID I was then asked for additional information that wasn't originally asked for. I have been asked for bank statements to every bank that's tied to my venmo account and every card that's tied to my venmo account. I have been asked to upload a picture of myself standing in front of the photo ID. I also have been asked for government documents with my name and address on it to verify furthermore. I believe this is an excessive amount of data and it's also a security issue. And to top it all off I was only originally asked to upload a picture of my government issued photo ID. These assessors recommendations has called extreme hardship on my current situation and also my mental well-being. Not least I was told that there was a violation on the account and that's why it was frozen and they wanted to make sure that I was the owner of the account but they never said what the violation was exactly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act 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 account without my written instructions
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion of these inquiries that do not belong to me effective immediately.
Product: Debt collection

I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
Product: Credit card or prepaid card

I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years. 
I took this deal as an alternative to a similar plan offered by my cell provider. 

I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account. 
All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan. 
Goldman Sach claims that there are only two remedies. 
The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan. 
The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server. 
I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information. 

I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

I was investigating my credit report and was riddled with panic when I saw how many inaccuracies were being reported. I am in need of a new home for myself and my kids and these unverified inaccurately reported inquiries are greatly affecting myself and my family as we are not able to make a necessary move to be closer to family. I need these inquiries removed.
Product: Checking or savings account

I opened an account with Citibank checking. I deposited a refund check from the department of education issued by the department of the treasury. They accepted my deposit cashed my check to themselves closed my account banned me from their website so I couldn't access any help and in just a few words they called me a thief a liar a fraud they never called to verify the check. The check is good I have contacted the department of Treasury department of education even the department of Justice I did every single thing they asked me to do I even went to a office here that I had to pushing a code to get inside, the code that gave me didn't work they refuse to let me in or speak to me and basically on the very last phone call I made they quote said " we will never ever ever pay you your money '' I spent countless hours the hold times are 4 to 5 hours I would have to actually leave work early an hour and a half early so that can get on the phone and try and contact these people that they they said that they they had proven it was a fraud you in check which is absolutely not I verified it through the department of education 10 times they called me a criminal they refuse to buy their own policy they're supposed to give me my money within 60 days mailed back to my my home address they refuse they have been very nasty to me and it's my money that was issued from the department of education and I want it I will not allow them to XXXX me they have acted in a criminal manner please please help me this is literally caused so much damage to me and my XXXX I'm over XXXX XXXX XXXX and they are taking advantage of me. Please forgive any typos it's such an emotional issue I'm in tears.