23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX I mailed a POA form for my mother 's IRA account at OneWest Bank. They are owned by CIT bank. I also sent the same POA to CIT bank and numerous other FIs. CIT made the change to acknowledge the POA as did the other FIs. 

One West Bank sent a letter to the address I asked the account to be changed to via the POA stating they could not do that because I did not complete their POA form. However, the legal POA form I provided contains all of the same elements and a notary certification. My mother, who has XXXX  and is XXXX, should not be required to complete another POA simply for their convenience on the form. Today ( XX/XX/21 ) I spent 45 minutes on the phone with the One West representative and the supervisor asking for an accommodation. They informed me that only their form can be provided and they could not authorize an accommodation nor would they escalate to someone who would. It is in the middle of COVID pandemic, and it is extremely difficult to expose my mother during this time.
Product: Money transfer, virtual currency, or money service

Yes its against PayPal they will not give me my money XXXX. They put a limitation on my account XX/XX/XXXX and said they was closing my account and was going to hold my money for 180 days well 6 months later XX/XX/XXXX I call to get my money out and they said they was going to hold it for another 180 or unless I get a court order cepena well I wait the 180 days and in XX/XX/XXXX of this year I contacted them and now there saying they are holding it for another 180 days. This is not right there privacy policy says after 180 days they will send a email telling you how to withdraw the money, it doesnt say they will keep it for 3 straight 180days, I want something done cause that money came from the Georgia Department of Labor COVID pua relief money.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

I have private student loans with Wells Fargo Bank. I have a full time job that requires me to travel both out of state and out of the country, I had a gap in college attendance last XXXX. Because of that, my student loan payback was scheduled to begin. I enrolled in College XXXX to begin in XXXX, as I have approximately XXXX classes left to complete my XXXX XXXX. 

In XXXX I spoke with a Wells Fargo representative and was told if I made a payment right then, it would keep my loans out of default and then when my classes started in XXXX my loans would again go into deferment. So I made the payment they required to keep my loans out of default. I started school in XXXX and asked my college to send verification to Wells Fargo, as I was instructed to do by the Wells Fargo Representative. 

My college 's policy ( XXXX XXXX ), is to only verify enrollment after the class drop date is passed, which is 4 weeks into the semester. Wells Fargo did try to verify my enrollment - but it was before the school will provide verification. This week I received notification that my loan is in default, and Wells Fargo also reported this to all XXXX credit bureaus, which in turn lowered my credit score from XXXX to XXXX. I have worked hard to maintain a great credit rating by always paying all my bills on time. 

After receiving notification I have spoken to several Wells Fargo representatives and explained my College 's policy and requested they verify it now as the 4 weeks has passed. 
They told me there is nothing they can or will do and are proceeding with the defaults. There is no way I can currently begin paying back these loans. I followed what Wells Fargo told me to do and they still continue to process a default. My college has now provided verification of my attendance to Wells Fargo and yet they still refuse to remove the default and restore my credit rating. 

it is unjust for Wells Fargo Bank to tell me how to resolve this situation and then after I follow exactly what they instructed me to do, they do n't do what they promised to do and instead force me into default ruining my financial future.
Product: Prepaid card

I purchased five Visa gift cards a week ago, each loaded with {$500.00}. When I tried to use them, they didn't work. They all decline any attempted transaction. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times several cards will decline, and will not work even with future attempted purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX. 



Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

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 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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit.

Date they purport that I gave permission. 

Method they purport that I gave permission. 



Please include documentation of said permission. 



Thank you,
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Agency ; I am emailing you regarding a problem that i have with Mercedes Benz Financial Services, The problem started in XX/XX/XXXX when I decided to pay off my vehicle because I was in the process of buying a house ( my kids school was rezoned and they will be attending a not so good school because of that so we decided to move to another neighborhood with better school ) which I cant do anymore because Mercedes financial reported late payment to the credit bureaus which dropped my credit score to low XXXX. Mercedes claim that i was late on my payment in XX/XX/XXXX, however i did mail them a cashier check back in XX/XX/XXXX, unfortunately i only wrote the last six digits of the Vin number on the cashier check when i called them two days later to make sure they received the check they informed me that they cant locate it and to give it few more days. A week later i mailed them a copy of the cashier check and XXXX receipt, finally after two weeks they were able to locate the check but by then we were in XX/XX/XXXX already and they informed me that i will have to send another cashier check, at that point I asked them to please not to report it to the credit bureaus as a late payment considering that they did n't wan na overnight me the first cashier check and I had to wait a week before I received it. When I received back the cashier check we were in XX/XX/XXXXalready and at that point i decided to wire transfer them the money instead of mail to make sure that wont refuse it again. Because of that now I have low credit score and I cant buy the house that I wanted for my kids so they can attend a good school. Its sad that I have a late payment on my credit report considering that the vehicle is paid off and I really did mail them a check in XX/XX/XXXX and i begged them back then not to report it since now i have to wait for them to mail me my check back before I can do another one. When I asked them not to report back in XX/XX/XXXX they did inform me that it gets done automatically but they told me not to worry because once they receive the other check they will take it off!! when i called them today they said they cant take it off because a third party does the reporting and they do n't even have a phone number where I can reach them
Product: Student loan

I have applied for the XXXX waiver ( XXXX ). I am being told I am 8 months away from forgiveness or until XX/XX/XXXX. 
I calculate I should have already qualified. 

My question is, Why are some of my payments being labeled as eligible for XXXX and some are not? According to their counter I am short XXXX  months of qualifying for forgiveness. Yet, I have XXXX months they are not counting. They are not counting 3 months for XXXX, XXXX of XXXX, and 8 months of XXXX a total of XXXX months. If and when they count these I will not only qualify but be over the required number of months. 

I have emailed, called, and resubmitted forms. Yesterday I was hung up on, called again and was told yet again they don't know why they are not being counted. That it is best to keep on waiting. I don't want to have to start making payments in XXXX only to have them returned if it is not necessary. 
I am asking for an answer and am reaching out for any help you can give me. 
Thank you, XXXX XXXX
Product: Student loan

I am pursuing PSLF. I have 120 payments as of XX/XX/XXXX, however Mohela has omitted payments from XXXX and XX/XX/XXXX ( they are not listed as eligible or ineligible, they are simply missing ). My payment counts show 118 because of this error. I need this fixed asap so I dont wait around for 2 months for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( {$51.00}, XXXX ) DEPT OF ED/XXXX ( {$25000.00} ; {$25000.00} ; {$21000.00} ; {$17000.00} ; {$14000.00} ; {$13000.00} ; {$12000.00} ; {$12000.00} ; {$8500.00} ; {$7700.00} ; {$7600.00} ; {$7600.00} ; {$6800.00} ; {$6400.00} ; {$5600.00} ; {$5400.00} ; {$5300.00} ; {$2900.00} ; {$1100.00} ) As of today, I have disputed the above accounts with the Consumer Reporting Agencies . They've failed to validate the accuracy of these accounts, yet refused to remove them. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 USC 1681 s-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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.
Product: Checking or savings account

correction, XXXX XXXX allows XXXX of XXXX withdrawals per week, not per month.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my XXXX transfer from my other bank and any other incoming deposits. Capital One has cited technical issues, which XXXXay violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

XX/XX/XXXX, XXXXXXXX XXXX defect specialist, XXXX XXXX, requested my driver license to be sent to him via an email without any explanation and portal to upload the document. This issue had happened in the past with XXXX XXXX, XXXXXXXX XXXX Mortgage Loan Processor. I have provided all requested documents but they never explain why I had to do so. 

During the closing period, XX/XX/XXXX - XX/XX/XXXX, XXXXXXXX XXXX team did not updated the closing process in a timely manner, I had to email and call them multiple times to check and they always requested for new documents urgently. This put a lot of unnecessary stress in our closing process.
Product: Debt collection

I have paid the debt from XXXX Acct # XXXX but it is still showing on my credit report as open My credit report showing paid and account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/30 I sent in a FTC report and a letter I sent to each credit bureau Transunion, XXXX and XXXX with details about the fraudulent and inaccurate items that are on my report. The fraudulent inquiries were removed but the inaccurate accounts are still reporting on my profile and they are stopping make from moving out of public housing with my family. I am attempting to better my life and purchase a home but I have to stay in a terrible neighborhood that I have to raise my children in. My rights have been violated and this is very unethical.
Product: Vehicle loan or lease

I currently have a loan with credit acceptance with an very HGH interest rate. I called them to let them know my car was a XXXX, if they would assist me with my issue. They agreed to allow me to pay {$100.00} bi-weekly ( did not fix my compliant ). Their response to me was to return the car and it would be a repo. I called them several times for someone to please help me. I pulled out my contract to review it, didn't understand it. I called to request my contract ( XXXX ) times they never sent over to me. I am so far behind on my loan I'm afraid they will come to repo it. I am in need of assistance, please. I appreciate your attention to my request. Credit Acceptance is the XXXX!
Product: Debt collection

On XX/XX/2017 I viewed my CBR as I do each month. I noticed that there was a collection item listed on my report. I immediately disputed this item against my credit as I had NEVER received anything in the mail regarding this. On XX/XX/2017 I received a response to the dispute from XXXX stating that this item had been reviewed and found that it was an accurate reporting against me. Again confused because I had never received anything in regards to this debt. On XX/XX/XXXX I receive a letter from the agency ( Collections USA located at XXXX, XXXX, AZ XXXX ) this letter was dated XX/XX/2017 several days after the item was already reported against my credit report. My complaint is this. For some reason I feel that this must be some sort of FDCPA violation. How is it legal for an agency to report something against your credit before sending the initial 30 day demand letter giving an opportunity to dispute the item BEFORE it is placed against someone 's credit. Should n't they be allowed the 30 day ( lawful dispute time ) before it is reported?