23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX in XXXX, XXXX intentionally denying my Error & Omission Certificate at the time of going into contract with them. Three day after signing a partial contract with this company, I returned to the office to void the contract due to the rediculous demands on the forms and also the manager XXXX who was about to hire me was terminating the agency and their management system and therefore, I quit with him. So, I was advised to submit my resignation letter to them by XXXX XXXX XXXX and I did that within in a month in XXXX 2013 and also submitted only XXXX policy to the management and left the office. Note, my E & O certificate was already submitted at time of employment application and also gave copy to XXXX administrator manager. Now, six months later XXXX agency in XXXX sent me to collection and asking for a debt amount of {$920.00} for E & O charges I did not pay to the agency simply because I sold XXXX policy and made commission and they also made money on the policy too. But they do n't want to honor my E & O certificate. I tried reached out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and General Mgr XXXX XXXX by emails and even office visit to resolve this issue. They did not even look at my face and my credit report is been abuse by these agencies. All attempts did n't work out and I feel that they are discriminating against me. I tried XXXX XXXX collection agent in XXXX to resolve the issue. The manager XXXX XXXX XXXX refused and said, my E & O coverage requirement should be {>= $1,000,000} liability coverage and therefore they wo n't accept mine. So I requested them to send me a copies of E & O which XXXX agency paid in my absence of terminating their contract. It took the collection agency about three months to provide me copies. When I received those copies and reviewed it, I found out that they even have cheap liability coverage compare to what I have originally. So I asked XXXX and his representative XXXX XXXX ; why XXXX lied to me that they need XXXX liability coverage? Whereby XXXX coverage did n't come close to what I have, Why XXXX refused to honor my better E & O certificate and asking me to pay something they did not bring to my attention before when I was in the office? XXXX replied he was sent to collect a debt. Then I answered him so you were sent to lie to collect debt if so then I think we have to go court for the judge to rule this. He responded I can do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter asking for validation for this collection I was responded by the company with some papers from the original creditor I then requested them to validate that I am obligated to pay them as a company they have yet to supply me with the documents that I asked for which was Name on file of alleged debtor : Alleged Account # : Address of file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? No Yes Amount paid iT debt was purchased : Commission for debt it collection eftorts are successtu : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this allegea debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pav Debt collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open Have any insurance claims been made by any creditor regarding this account? ( ves, No ) Have and judgements been obtained by any creditor regarding this account? ( yes, no ) Please provide me the name and address of the bonding agent for Collection Company Name, in case legal action becomes necessary Date Creditor.

Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transter agreements. which would establish vour rights to collect this alleged debt within 30 calendar days from the date of receipt of this letter. They Have yet to provide a contract showing proof that I am obligated to pay them. I have never signed a contract with NCS and I am asking them to provide proof to me that I am obligated to pay them and that they have rights to take this debt they keep responding with information that isnt the information I am ASKING for I AM NOW asking this account to be deleted off of my credit report within fifteen days and I will suing for 1000 for each inaccuracy that was made upon this account
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : it as lo states a consumer report agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX account number XXXX XXXXXXXX ( Experian ) and XXXX XXXXXXXX ( XXXX ), located at XXXX XXXX XXXX XXXX XXXX MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. XXXX shows the date of last activity as XX/XX/, Experian as XXXX and XXXX has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

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

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In XX/XX/XXXX, I saw a credit inquiry from Synchrony Bank ( PayPal ) on my XXXX account. I called Synchrony 's number and reported that I have no accounts with them, and did not know why a credit inquiry was made. They said they would take care of it, and report any activity as unauthorized. Nothing else occurred until next year in XXXX. 

In XX/XX/XXXX, I received a XXXX from PayPal Savings ( Synchrony Bank ) claiming I received {$42.00} in interest income, despite not having opened a PayPal Savings account . 

Suspicious, I called their customer support and explained that I had never opened a PayPal savings account. When I gave them my SSN, they found 4 unauthorized PayPal savings accounts opened with emails that are not mine. The phone number tied to the account was from XXXX, Florida ( I have never been there ). They froze the accounts and said they believed my identity had been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. 
Please investigate these accounts immediately.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to each of CapitalOne and its affiliates Cap One NA & Capital One all as appeared on my credit reports. Each letter outlined credit inquiries that I have no knowledge of. I requested any and all documentation be mailed to me that proves permissible purpose to have my credit pulled & reported ( as outlined in the FCRA Sec. XXXX ). I then received a response from Capital One on XX/XX/2021, Acct Ending in # XXXX, Case Number : XXXX the letter did not contain any information or documentation in regards to my request for permissible purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

last XXXX on a new chime account i put XXXX bucks on the new card that night the funds were taken by them and next day they closed the account. i have tried for 9 months to get funds back to no avail its either we sent the funds but didnt then i had to send many selfies of my self and id and the days date bue then they allways come up with something else.i asked many time just to send funds to the adress on file thesame place the card was sent to but XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments. 

Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX  In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of. 

Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous case with consumerFinance.gov : XXXX. Professional Finance Company stated they would removed their derogatory credit report from my credit reports. It has been 6 weeks and my credit reports have not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue. 

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

GM FINANCIAL ( Original Creditor : GM FINANCIAL XXXX ) XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a backround check for a job. The consumer report dated XX/XX/2021 shows an alias that is not mine. The incorrect Alias is XXXX XXXX XXXX. The only Alias 's that I should have is XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I would appreciate it if an investigation can be made to remove that name or any other names that I do not belong to me from my consumer report. I feel that there is some kind of fraud going on. I feel that my youngest son 's father who I only knew for a year may be the one using my information fraudulently. He has a history of fraud.
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. 
15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Transunion to do so. I have also called XXXX and they said to dispute directly with Transunion.
Product: Debt collection

This debt collector has garnished my wages, assumingly illegally, in XXXX for supposedly a {$20.00} bad check in XXXX at a XXXX XXXX DBA XXXX XXXX XXXX in XXXX , Kansas . On my notice of unpaid judgement it has an Account # of XXXX balance of {$1300.00}.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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
Product: Debt collection

I left the emergency room in early XXXX. I had some small financial limitations .that was nearly XXXX years ago. the FCRA provides every XXXX with the opportunity to rebuild their credit. COMMONWEALTH FINANCE is violating FCRA law by inaccurate reporting. while one item is allowed on credit for up to 7 years, the FCRA prohibits false reporting of time lines. COMMONWEALTH FINANCE put on my credit that I defaulted in XXXX a full 4 years after I actually left the emergency room. I have the right to rebuild my credit, and would like the CFPB to hold COMMONWEALTH FINANCE accountable for violating the law.
Product: Mortgage

VyStar Credit Union updated their mortgage servicing platform. Since migrating to the new servicing platform, I have been unable to manage my autopay online. It shows that I have two payment methods from the same checking account online, one that is verified and the other that is not. Autopay is associated with the unverified account that can not be verified due to a known issue per a representative I spoke with yesterday. At any rate, this was not a significant issue for me until I learned that my monthly mortgage payment is changing by approximately {$160.00} effective XX/XX/XXXX due to an annual escrow analysis that was completed. Since I am unable to edit the autopay online, I called VyStar yesterday, XX/XX/2025, at XXXX XXXX  for a call that totaled 2 hours 17 minutes. The first representative I spoke with said they could not assist and transferred me to another department. After a very long hold, a representative answered and said that they updated the payment amount, changed the payment method to the verified account, and that changes would show online when I logged in today. Online mortgage portal shows that the incorrect payment amount is still scheduled for XX/XX/XXXX and that the payment is still associated with the unverified payment method that I am unable to manage. Upon seeing this, I called VyStar today, XX/XX/2025, at XXXX XXXX  and was routed by their automated system to the mortgage department and greeted with a message that they were experiencing high call volumes and to call back later or manage my account online ( as if I could ) and was automatically disconnected. I called back again at XXXX and spoke with a representative, explained everything I was told was done yesterday, and was then told that they could not help and they transferred me to another phone queue. After navigating that queue, I was again greeted with a message about high call volumes, informed I should manage my account online, and disconnected. I remain unable to update my payment or manage my account online due to the " known issue '' the representative said their website was experiencing yesterday.
Product: Debt collection

I requested that Aidvantage provide me with a signed, dated loan agreement ( i.e., promissory note ) that indebted to them for the alleged student loans. In order for a contract to be enforceable, the agreement/promissory note must contain the following information : the date of the loan, the dollar amount, the names of both parties, the rate of interest, any collateral involved, and the timeline for repayment. I have attached two versions of the letter sent to Aidvantage via certified mail. 
The information provided to be by Aidvantage only contained a loan amount and disbursement date. The other mandatory, contract enforceable items were not included. 
A contract constitutes an agreement between two or more parties. This agreement can not be made if one, or both, parties does not explicitly know how much they are required to pay back and by when AND if the contract has not been signed by BOTH parties to solidify the agreement. Again, the documents provided by Aidvantage did not include these required elements which therefore voids any alleged debt associated with my name and social security number. 
Please instruct Aidvantage to cancel any associated debts that exist in their system linked to my name and social security number as their contract/loan agreement is not legally enforceable since it does not contain the required elements for a legally binding contract/agreement.
Product: Credit card or prepaid card

Discover offered a credit card promotion and then put double interest into place. 
they kept increasing my credit limit etc and I really didn't understand their intent to increase interest. 
Finally I contacted them again for the 3rd time and they agreed to lower the interest rate. 
making it like it was my fault vs a partnership decision and they played no role in it. 
their advertising is a joke making it like they are your advocate. 
I am attaching a copy of what they agreed to and what their comments were. 
they assured me this was only " : in house '' and would not affect my credit or credit on the bureaus. I am writing this to make sure it does not. 
I will be paying this off and then I will make the decision whether they are closed or not as I just closed XXXX XXXX  XXXX cards due to interest and will only work with the ones with low interest and XXXX charges for credit card holding.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 CFPBs 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.