23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Account Number XXXX To Midland credit XXXX I am writing to formally notify you that I have no knowledge of the account referenced above and believe this account to be fraudulent. I have never opened or had an account with Midland Credit Management associated with this number, and therefore, I am disputing its validity. 

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am exercising my rights as a consumer to refuse to pay a debt that I do not owe. According to this law, once a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all further communication. 

I request that you immediately remove any and all information regarding this account from your records and cease any further communication with me regarding this matter. Additionally, I demand that this fraudulent account be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) as it does not belong to me. 

Please provide written confirmation that you have received this notice and that the above-mentioned account has been removed from your records and the credit bureaus. 

Thank you for your prompt attention to this matter. 

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

I will like to request a security freeze and address update on my file. The correct mailing address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Product: Money transfer, virtual currency, or money service

Background : Since XXXX, I've been a committed Gemini customer, consistently using the same approved bank account for deposits and a whitelisted wallet for withdrawals. Between XXXX XXXX XXXXXXXX, I deposited {$66000.00} via ACH which cleared by XXXX XXXX XXXX. Despite my longstanding trust in their platform, Gemini unexpectedly placed my funds under a 'security hold. ' Invasive Review Process : In the subsequent review, Gemini 's inquisition was notably intrusive : Questions about my salaried earnings. 
My intentions with the proposed withdrawal. 
My introduction to Gemini. 
For this review, they demanded evidence of income through bank statements, paystubs, and a specific selfie with my face, ticket reference, and passport. However, the reasons behind this 'security hold ' and its expected duration remain undisclosed. 

Communication Barriers : My attempts at dialogue with Gemini, whether on XXXX, XXXX, or email, are met with slow or non-existent feedback. Their absence of live support amplifies my frustrations. 

Emotional Impact : Having {$66000.00}, a sum representing years of diligent work, in a state of limbo is causing me immense stress and anxiety, deepened by the ongoing ambiguity from Gemini 's end. 

Requests : A transparent rationale for this sudden security hold. 
A clear indication of when I can expect a resolution. 
Enhanced and more responsive communication avenues from Gemini.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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

Transunion and XXXX is not reporting a accurate credit score I reached out to Transunion because XXXX is not able to pool my credit report for paid XXXX accurate scores they say it is Transunion who has a block when I called and spoke to a rep there is no type of hold no one can explain this or get it corrected so I can get accurate credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX 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 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 An 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: Student loan

I was on AidVantage 's website and attempted to change my payment plan to lower my payments because these are parents loans for my son and he was going to be making the payment. The website prompted me to submit my income to lower my payment even though I suspected that would not be the case. I assumed I could see what the IDR amount would be and then select the plan I wanted. Instead I was locked into a payment that was 2 times higher than the previous payment. I have attempted to contact by email twice with no response, called 4 times and was on hold for no less than 2 hours each time. I spoke to one person who did not help at all and kept telling me I have no other options. I requested a call back on their website for XX/XX/XXXX at XXXX and the system did call, but the minute it went to transfer me to an agent the call disconnected. I called back and waited on hold for 1 hour before hanging up. I attempted to request another call back and their system could not pull up the available times. 

At this point, I have had to put my loan payments in forbearance to stop the payment until they response to change my payment plan. The loan is gaining interest that it should not be because they are not available to resolve my issue which should be a very simple fix that I have done several times in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Solutions ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Debt collection

XXXX keeps reporting Portfolio XXXX ... XXXX dollars on my file. I keep contacting them about this problem and it is till not worked out properly. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and closed my Indigo credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.
Product: Credit card

I use Bill Pay through my bank to pay all my credit cards. I set it up so payment will be processed on time. Victoria Secret received the payment on XX/XX/XXXX. Payment was initiated on XXXX, through Bill Pay Payment was due XX/XX/XXXX. I was charged a late fee of {$30.00} on a bill that was {$30.00}. I contacted the store spoke to a supervisor and they told me basically too bad I was granted a one time grace fee. I contacted my bank and they said they will contact Victoria Secret with a letter stating it was not my fault. I called the store back and explained to them what my bank wad doing and their response was once again too bad. I closed my account and want the late fee removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This is a complaint against Resurgent Capital Services. The original creditor being XXXX XXXX. I paid off this balance and received the letter stating that the account was settled in full on XX/XX/2019 and it was actually settled on XX/XX/2019. 

Resurgent Capital has continued to debit my account for {$90.00} which should not be happening since I was finished paying this off on XX/XX/2019 and it is illegal! 

I want Resurgent Capital Services to stop reporting to all three of my credit bureau reports ( XXXX, XXXX and XXXX ) immediately. 

They have engaged in illegal behavior and I am actually contemplating suing them in civil court. I have called several times, each time I got a letter in the mail saying that they were going to debit my account AGAIN. They always said that the account has been closed in their office. Then why are they still taking money from me??!!!
Product: Payday loan, title loan, or personal loan

I received a letter in the mail one day from Cash Net USA advising me that a loan was approved in my name. I was confused by this because I did not apply for a loan with Cash Net USA. So, I called them and I was informed there was a loan on file with them with my information attached to it. I told them I did not make this loan application and they need to close this as fraud. They claim they did an investigation and they are holding me responsible. I asked them for the paperwork regarding this loan and they only sent me the loan agreement. There was an E-signature on the paper work to approve this. I did not E-sign anything for this company to be able to approve a loan. I fought with Cash Net several times to close and they refuse. So then I reached out to XXXX to get help with this and they requested another dispute on my behalf, and Cash Net denied that request also. Now I am at the step of sending legal documents to them to request all paperwork regarding this loan. Did Cash Net ask for copies of this person 's social security card, or drivers license? If they did I want to see copies of that to see if my face and signature is on that fake ID. If they have a social security card with my number on it and someone else 's name or signature on that card I want to see it. Did they ask for any copies of paystubs to proof employment of this fraudster? If so then I want to see it. If they did not verify anything with the thief before approving this loan then I want them investigated for unfair lending practices. This loan was approved and funded to the thief in XXXX of XXXX, it is now XX/XX/XXXX, this is unacceptable behavior to resolve something that is fraudulent. After this is submitted and another review is done, if they still hold me responsible then I want proof sent to me as to why they think that. What proof do they have that leads back to me, I need to see all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Ive tried contacted the original creditor in regards to the debt. The phone number has been disconnected and they have not provided an updated contact number. I was finally able to get a contact number and they told me the account was collections. I called today XXXX Monday, XX/XX/2020 at XXXX ) and the call was being recorded. I spoke with a representative that said the balance given to them was {$51.00} I was told the original balance was {$50.00} and explained to her I could pay the {$50.00} after going back and forth. The call was being recorded and she told me that if I paid the {$51.00} the balance would be paid in full. I refused to pay and called the original creditors back for the exact amount in which they informed me of the {$51.00}. I called back at XXXX and the same representative answered the phone and I asked to speak with a manager. She  transferred the call to ( XXXX ) who claimed to be a manager. She then stated she was refusing to accept the {$51.00} as a paid in full balance. I told her the representative prior to her had given me the amount of {$51.00} to be paid in full. She declined and refused to hear me out. I told her the calls were being recorded and that I wanted someone of higher authority to listen to the recording of the previous conversation. She said she had been there the whole time rang both conversations and she knew what her representative had said. She said she was the highest form of authority and to call back in 5 minutes so she could listen. I called back at XXXX and XXXX got on the line Claiming to have listened she said that the representative had only told me the amount of {$51.00} to tell me whats as sent to them. I would like for someone to get a copy of the recorded conversations as proof of the conversation. I know what I was told and she refused to let me hear the recording. Over a recorded call I paid the balance of {$51.00} in which I told would bring the balance to paid in full via phone with my credit card. Authorizing only the amount of {$51.00} to be deducted from my account through a one time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to order a refrigerator through XXXX XXXX  in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of XXXX acct XXXX XXXX/XXXX # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.
Product: Mortgage

I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.
Product: Credit reporting or other personal consumer reports

Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for three years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed
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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX 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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 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

On XX/XX/2020 an UNAUTHORIZED CHARGE of {$560.00} was found on checking account XXXX within 24 hours. A phone call was made within 24 hours of the posted transaction ( documented on phone logs via XXXX ), a Written Statement of Unauthorized ACH was signed and mailed, with documented and filed multiple copies. All Arvest Bank Dispute Guidelines were fully met to Dispute and Credit the checking account from this fraud. 

A statement was received much later from a Representative named XXXX XXXX as follows, '' Unfortunately, we ( Arvest Bank ) have to end our relationship with you because you had your account broken into. You are a high risk to our relatively new bank formed by the XXXX Family. We're looking for better customers than you to improve our community image as fictionalized in our television commercials. We will not dispute these charges on your behalf even though they meet the guidelines for fraud reporting. Furthermore, we will deny that we ever sent you correspondence regarding this matter and will state all documentation as counterfeit. Good Day. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX and BRCLYSBANKDE has failed to respond back to me about the Inaccurate information that is being reported by them. 

XXXX  never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to BRCLYSBANKDE and XXXX and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my XXXX  credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.
Product: Debt collection

The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX.