23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted them XX/XX/2024 asking how to set up my autopay to pay my full loan amount on time, because my account said my autopay wouldn't start until XX/XX/XXXX. Even though I thought autopay was set up to start on XX/XX/XXXX, which was my original payment due date. I was told by them " XXXX  can take XXXX billing cycles to take effect and any attempt to sign up again before the process completes starts it over. You will need to make a manual payment for the amount due on XX/XX/2024 then AutoPay will withdraw your full next month 's payment. '' My autopay  did not withdraw my next months payment on XX/XX/XXXX, like I was told and I got a message saying I had a late payment. I then inquired why my autopay wasn't set up and that I didn't want to be charged interest for this missed payment or marked that I am not making consecutive payments, because I am. I also asked for the autopay discount of XXXX  % to be added to my account. I was told " Our records show that you applied for Auto Pay on XX/XX/2024. Do not repeatedly try to enroll in the program. This will restart the process each time. '' I did not do this, like they said. When I called and asked why my autopay didn't occur on XX/XX/XXXX, when they said it would, they didn't have an answer for me. When I asked what date my autopay would now be, they refused to give me an exact date and just kept saying it would be in XXXX billing cycles and that they would have to check with my bank first. Even though my bank is already linked to them to make a manual payment. When I inquired more that I wanted my autopay to be instated right then, they put me on hold and kept saying " XXXX moment '' for XXXX minutes until I could no longer stay on the phone.
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 users vulnerable to scamsThis lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have contacted all 3 credit bureau about the inaccuracies on my credit file.. The accounts are not my account and are considered inaccurate information. With reporting this accounts is a violation of my rights and hurting and destroying my character and lively hood. 
Theses are the accounts XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting a fraudulent account to the credit bureaus. I have never taken out a loan with Nelnet however Nelnet is reporting that I took out a loan in 2012. I never took out any loans in 2012. Nelnet is also fraudulently reporting that I took out a loan of over XXXX XXXX. I've never taken out a loan of that amount. Nelnet is also fraudulently reporting that I am in XXXX XXXX. I have gathered evidence that would prove that Nelnet is reporting false information to the credit bureaus in an identity theft scheme. There is lawsuit to follow soon with Nelnet, XXXX, and others as defendants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Product: Credit reporting 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 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 Last activity date and account status does not report the same under each credit reporting agency. I have a right as a consumer for 100 % accuracy of my credit report
Product: Debt collection

Upon reviewing my credit report on XXXX  's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation Information 1. there is no details, no explanation.

2. No entry as to how the entry was certified.

3. The account and the account number mention on this account is not recognized by XXXX. 
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.

5. XXXX  only allows one dispute entry.

This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.
Product: Credit reporting

Please see the attached letters. 
I mailed a certified document package that contain a cover letter and XXXX - XXXX pages of what accounts to dispute, requesting the dispute processed that was used to verify the information, and if I owed the information, send me all the detailed document information to prove that the account was mine, why was it re-aged, and etc. on XXXX XXXX, 2015. XXXX Receipts are on the letters XXXX XXXX Equifax, XXXX failed to provide me written documentation to acknowledge the receipt of my requests and the methods used to verify the accounts, and documentation requested within the XXXX day time frame. If they could n't adhere to my requests, them, I expected each one of the bureaus to let me know and they did not. Each letter, attached, explains my request for the items to be removed due to not being in compliance and it contains copies of my certified mailed receipts. 
For the XXXX XXXX Account, it was a secured card and sent the account to XXXX XXXX XXXX for collections. After, I called XXXX XXXX and explain that the account was a secured card account, they used my secured deposit to pay off the account and corrected my credit report and sent a notice to XXXX XXXX XXXX to remove the account and also indicate that the account was paid. XXXX XXXX XXXX can no longer collect, therefore, the credit bureau was supposed to update/correct/or remove the account. I asked this to be done during my dispute and it was n't. 
Today, I called XXXX Equifax, XXXX to informed them that they failed to respond in the manner that I requested to inform me of receipt of the documents, the dispute process, and my other requests. They acknowledge that they have my cover letter and XXXX pages of requests. They also acknowledge that they failed to respond. Due to the XXXX EquifaxXXXX not being in compliance with the Fair Credit Reporting Act, I requested for the accounts to be removed. They told me that they can reinvestigate. I told them that they should n't have to reinvestigate because they failed to comply with the Fair Credit Reporting Act. 
Therefore, I am requesting for the items to be removed from my XXXX credit files as requested. I have spent many days and hours trying to get this resolved. I also have my mortgage loan processor trying to work on this and his processor which is XXXX XXXX. XXXX XXXX and the loan officer told me to contact you. 
To verify the status of each account that I disputed, I personally contacted each XXXX of the creditors on the list/letter and they indicated that they do not have me in their system, but, can not provide me with a letter because I do not have an account with them. The credit bureaus claimed that they contacted the creditors. I know that they did n't investigate like they should have, because, XXXX was done in XXXX days. The customer service representative told me this. I have plenty of documentation to support this and I will seek to file this in court and seek damages if this does n't get taken care of through your organization. 
Thank you! 
The reason for the disputes is because I 'm trying to buy a home and needed my report to be cleaned up.
Product: Debt collection

Garnishing my paycheck every week! Requesting to deletetion thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # XXXX : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

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

XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct # XXXXXXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXXXXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct XXXX XXXX DEPT OF EDUCATION/XXXX- Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX- Acct # XXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Product: Money transfer, virtual currency, or money service

XXXX, i was scammed through CashApp. the amount was XXXX. Contacting the Cash App customer service never worked. The following day i took the day off to head to my bank. XXXXXXXX XXXX how froze my account. I ended up opening another checking and savings. My bank did send me XXXX. I had to take out a loan from my Retirment plan because i was totally wiped out of both checking and savings. I now have to pay every month back to my retirement.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # 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 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

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  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 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 never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXXXXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

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

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. I want all items that's not correct deleted from my report. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Mortgage

IN XXXX OF XXXX SPSERVING RESPONDED TO YOU WITH AN ADMISSION OF GUILT THAT THEY WERE NOT APPLYING MY PAYMENTS TO MY MORTGAGE AND WOULD HAVE A CORRECT STATEMENT OUT TO ME AND THAT I WAS ONLY DUE FOR THE XXXX XXXX XXXX PAYMENT. IN THE MEAN TIME I STILL DO NOT HAVE A CORRECT MORTGAGE STATEMENT, THERE ARE XXXX DIFFERENT MORTGAGE PAYMENTS AND THEY ARE STILL CLAIMING THAT I AM STILL DUE FOR THE XXXX XXXX PAYMENT. THERE IS ALSO AN OVERAGE PAYMENT OF XXXX THAT THEY ARE NOT APPLYING TO MY ACCOUNT. THE STATEMENT WILL BE ATTACHED. THEY ALSO VIOLATED THE PRIVACY POLICY ACT AND SENT ALL OF MY PERSONAL INFORMATION TO ANOTHER BORROWER. THAT WILL ALSO BE ATTACHED. MY ATTORNEY HAS SENT THEM LETTERS REGARDING THIS BECAUSE THEY SENT ME A CHECK TO PAY FOR XXXX, BUT UNFORTUNATELY THE AMOUNT THEY SENT DOES NOT EVEN COVER THE BASIC COST OF THIS PRODUCT. I AM SIMPLY NOT ACCEPTING THIS. IF I SENT A BORROWER 'S INFORMATION TO ANOTHER BORROWER, I WOULD BE FIRED ON THE SPOT AS THAT IS A TRUE VIOLATION OF PRIVACY POLICY ACT. I WAS A LOAN PROCESSOR SO I KNOW HOW SERIOUS THIS VIOLATION IS. I AM OFF WORK DUE TO AN INJURY AND NOW ON XXXX MEDICATION BECAUSE OF THIS ONGOING PROBLEM WITH MY MORTGAGE COMPANY AND I NEED TO SEE XXXX EVERY MONTH AS WELL. IN XXXX OF XXXX I SENT YOU PROOF OF ALL OF MY PAYMENTS AND MY ATTORNEY HAS THEM AS WELL. AT THIS POINT, I AM EXTREMELY DISGUSTED WITH THEIR SERVICING OF MY MORTGAGE. THEY SENT ME AN OVERPAYMENT CHECK FROM MY ESCROW ACCOUNT, SO HOW COULD I POSSIBLY BE MISSING A PAYMENT FROM A YEAR AGO???? I REALLY NEED SOME HELP HERE WITH THIS ONGOING PROBLEM. AS OF LAST WEEK, THEY ARE STILL ASKING ME TO SEND THEM PROOF OF MY XXXX PAYMENT FOR XXXX. THIS WAS DONE IN XXXX OF XXXX. I AM LOSING TRACK NOW OF HOW MANY TIMES I HAVE HAD TO DO THIS AND IS VERY DISTURBING TO ME.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THEM WITHIN FOUR BUSINES DAY PURSUANT TO FCRA 605C ALSO PLEASE SEND A COPY TO ME AND THE CPFB. I AM ALSO A VICTIM OF BREACHES AND PREVIOUS IDENTITY THEFT.
Product: Credit card

I was a Bank of America customer for years. I had made some purchases to go see my family oversees then my account and relationship got closed in error in XX/XX/2022 and I have not been able to open them since. I need my credit card reopned asap
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

After many years, my bank change name from Wachovia to Wells Fargo then ehen I went back at the branch, and they told me I dont have money with them anymore