23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This amount that is allegedly owed originated with the XXXX XXXX XXXX XXXX and the amount owed is not the amount stated in the attached letter. The account was turned over to a collection company known as Harris & Harris while I was making payments to the XXXX XXXX XXXX XXXX. This debt collector has repeatedly demanded that I make payments to both them and the XXXX XXXX XXXX XXXX for the same amount which has been disputed. 

On XX/XX/year> I spoke with a collection specialist named XXXX XXXX. XXXX XXXX was very helpful and attentive listening to everything I stated to her from the confines of my XXXX  room. I am currently recovering from XXXX XXXX and multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently on a payment plan with the XXXX XXXX XXXX XXXXXXXX at {$67.00} a month at the end of each month for the next 60 months which began on XX/XX/year>. This payment was negotiated and agreed upon by myself and XXXX XXXX XXXX, a Specialist in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX back on XX/XX/year> at XXXX XXXX  ( I spoke with him via XXXX which is his cell and work numbers Payments have been made to the XXXX and XXXX XXXX is watching over this account. I have received calls from Harris and Harris Collections 7-10 times a day while I am trying my best recuperate from the multiple XXXX  and XXXX treatments I have been receiving. I have asked the collectors not to continue to call from XXXX Monday-Thursday and 10 times a day on Fridays and Saturdays. The most letter they claimed to have sent me, which I am attaching a copy of to this complaint, states that they have made repeated contacts with me through letters and emails demanding payment for this alleged debt. This is an utter and blatant lie as this attached letter is the first one I have ever received from Harris and Harris Collections. They are and been requesting during their harassing and threatening phone calls that I pay both them and the XXXX XXXX XXXX XXXX t

he same amount which I think is absurd and totally asinine. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Checking or savings account

Wells Fargo is closing my checking account based on the " review of account '' they allowed me to open. the account and then sent me a letter stating they intend to close my account XX/XX/28.
Product: Debt collection

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit
Product: Credit card

I disputed a charge on my XXXX by calling the bank. At the end of the call they told me to follow up with a written letter which I did within the required timeframe. I followed up with a second written letter to the bank when no action was taken on my claim. Now the bank tells me they can not help me with the dispute as I never followed up with a written notice. I sent the bank copies of my written correspondence regarding the claim, but they still failed to help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

In around XXXX I came to find out that my father took out a loan with EduCap in the amount of {$12000.00} and used my information to obtain it. I used federal financial aid to fund my education and never used a private loan so I was surprised to learn this information. I filed a police report and my father who has now passed wrote a letter explaining the situation to the lender. I never received and do not recall receiving any information regarding this loan since about XXXX. Recently, I received a letter that my wages will be garnished. I have asked for and never received fraud and identity theft paperwork or a hardship request and reached no solution. This company and their collectors have been harassing me for over 8 years. I tried to reach a solution but was told to contact a lawyer and that the company decided I am responsible after several attempts following their rules to show I did not take out this loan. This is continued harassment and has to be illegal to never summon me to court and only send notices that I have to pay or they will take my hard earned money. I want the matter resolved and filed as fraudulent.
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was my account.
Product: Checking or savings account

After filing my complaint against Merrill Lynch I was contacted by : XXXX XXXX Assistant Vice President, Consumer Investments Executive Escalations XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX contacted me on the XXXX of XXXX asking for a copy my Driver License and any documentation that would show that I had the right to receive a loan that was disbursed to my account in my name. XXXX stated once she received those documents that she could schedule an appointment to pick up my balance of {$3900.00}. 
Merrill Lynch bank has held by my money with no access to this account for over a year and a half. 
I have ask for copies of my previous bank records as well and still nothing has been released as promised. After XXXX received my documents she contacted me a few days later asking for more documents that prove I had the right to receive money that was deposited into my account and under my name. I explained to XXXX what they are asking for has no relevance to closing an account in my name that I have no access too. Regardless of the fact I know they have no rights to my business documents ... I still provided a copy of my sol prop which gives me the right to operate under my name as a business. Merrill Lynch is violating my rights by not giving me access to an account that is still open under my name despite the request to close this account. Merrill Lynch also refuse to give me a copy of my banking records. Merrill Lynch is causing me a great deal of XXXX and XXXX  because I have no idea what they are doing with an account that I have no access too. 





From : XXXX [ mailto : XXXX XXXX XXXX : Tuesday, XX/XX/2021 XXXX PM
Product: Credit reporting or other personal consumer reports

Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall .... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} TXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance $ {$1200.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX - XXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Default and Opportunity to Cure Template To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit XXXX which will be constituting a dispute. 
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 
15 USC 6801 - Protection of nonpublic personal information. 
15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that USAA SAVINGGS BANK use against Consumers like myself. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of FCRA. I hereby grant USAA SAVINGS BANK, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution USAA SAVINGS BANK, failed to respond to my request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions USAA SAVINGS BANK decide to ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!
Product: Credit reporting or other personal consumer reports

Hello, please carefully check and read this complaint, as there are highly questionable and inaccurate items being reported on my credit, this is absolutely frustrating. This is negatively affecting my life and scores which is so unfair it is stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple steps and actions have been taken with trying to get Equifax to correct my file. I have not be able to get anyone that is able to correct the issue in accessing my credit file when I'm either trying to apply for credit or for my business, when I'm applying for services and Equifax is the agency being used ( XXXX XXXX, XXXX XXXX for examples. ) I've been told that support needs to correct it, then I'm told high management needs to unlock it, and then I'm receiving calls on those trying to fix it, but never get a follow up and when I do try, I've been on calls for 3 hours ( two times this happened ). Every other call I'm constantly rerouted and no one is ever on the same page. I've been asked to submit proof of identity multiple times. When I informed them that I have, I'm told there is nothing on file. I ask them to double check and check notes, and 30 minutes later, they come back and say that they do have my ID, Social, Birth Certificate and Passport, as well as Utility Bills on file. Equifax is preventing me from a lot, especially when it comes to my business. I don't know what do to, who to speak with, or who can fix it. Tech support, no XXXX, no one can fix the issue or know what the issue is. My file needs to be deleted and/or reset, I don't know what else to say. XXXX XXXX XXXX XXXX, and my social are the only two that need to be matched up. I was once told that my name was in wrong and I've submitted multiple correction forms.
Product: Vehicle loan or lease

My vehicle has been waiting for a part since XXXX. The company is estimated another XXXX months before release date. I've had no help from the XXXX XXXX XXXX XXXX XXXX XXXX. I'm drowning in rental fees, and its completely unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items listed below. 
The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. 
I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. 
XXXX XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX Attn. : Consumer Relations XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance 1 of 2 CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Consumer Financial Protection Bureau po box 4503City, Iowa 52244 Enclosures : Proof of Address Proof of Identity
Product: Credit card

I went to pay my Macy 's credit card account 6 days ago and was unable to get in to the system, it keeps reverting back to Macy's.com after it says it is leaving to go to XXXX. I tried to get assistance and there is no one that speaks XXXX to speak to then I spoke to XXXX different people in XXXX minutes and it took XXXX phone calls. 
My account is now late, they say that you have to get a new credit card with a new number and then you can use the system. NO WHERE has anything been sent stating this was going to happen and now I have a late fee and they are ONLY concerned with trying to get a payment prior to them even trying to HELP. I am disgusted, I think I have had these cards for 15 years at least and now they say the new & improved system is great however it SUCKS and you can not even get into it. 
I understand things are changing but since when does XXXX the customer over help? What happened to sending out a new credit card and explaining WHY you need to have a different number instead of XXXX the customer, the tech support ca n't even answer if this is going to show up as an additional number to the previous one on your credit report, yet again if it does it can effect your credit report and there again screw the customer ... 
Macy 's is the ONLY company that I have a credit card with that you can NOT pay online for the date due, you have to pay online on the day you are online doing it ( something new with them in the last year ) ... XXXX is wrong with this company?
Product: Mortgage

On XX/XX/XXXX - NewRez sent me an e-mail telling me that I can send proof of home insurance to XXXX On XX/XX/XXXX - I sent proof of home insurance ( this new insurance had information like ID # from previous insurer for year XXXX ) to NewRez at XXXX On XX/XX/XXXX - NewRez placed a lender home insurance on my profile Following that date, I have repeatedly called into their system following many redirects and loops that inevitably disconnected on me. For the few times that I got through, I reached a human staff at NewRez. I was then instructed to send all of my home insurance info again to XXXX I still see a balance on my escrow account ( I originally did not have any escrow account ). I have attempted in good faith to follow up with NewRez request for information and supplied all necessary documents. 

NewRez has so far not been cooperative and has placed a balance on my file in bad faith and isn't trying to handle this situation in a timely manner. This happened before the COVID-19 became a serious problem in the US.