23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report. 

After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this. 

And this also is not the first time this company has done this. 

XXXX has record of wrong-doing by this company as well. 

What forms will I need to resolve this issue?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency XXXX make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

Nelnet is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.
Product: Checking or savings account

I filled my Tax return and I received my income from the IRS into my bank {$69000.00} on the XX/XX/2023. I went there to withdraw some of my money, and Citibank manager asked me where did I get the money from! And I told them that I received my tax return from the IRS. Citibank didnt allow me to withdraw some of my money, and also frozen my account. They said to me that they will close my account! On the XX/XX/2023 they sent me a notice that my accounts will be closed within 60 days. But they will return everything belongs to me when the account closes. Citibank closed my account and they sent me W9 forms on XX/XX/2023 and I filled out the forms and submitted it to them through mail. Since that I havent heard anything from Citibank. When I try to call them they will direct me to fraud department and they will be telling me that they are still investigating my money! I have called them several times but still telling me the same thing about my own money. Im frustrated now and I need your assistance to help me. I reached out to XXXX and they reached out to Citibank as well, but Citibank didnt explain anything reasonable to me. They just want to take my money now. Please help me. Im even XXXX  now and I need my money to to purchase a lot of stuff for my family. Hope to hear from you soon, Thank you.
Product: Mortgage

I have mortgage with wells Fargo with account # XXXX. My first payment {$3200.00} was due on XXXX/XXXX/2015, while I paid the full payment on XXXX. However Wells Fargo repeated charge to my Wells Fargo checking account for XXXX payment due to a scheduled payment on XXXX of every month during loan application. Of course, there was n't enough fund since the fund went to them already. So Wells Fargo charged me {$20.00} ( called Wells Fargo and they refused to refund to me ) for return fee on my mortgage account, charged {$35.00} ( they reversed already ) on my checking account as insufficient funds fee. The question is why did Wells Fargo kept charging me on my account after they received the XXXX payment already! All these penalty of fees is only because I paid my payment two days ahead of schedule!
Product: Credit reporting or other personal consumer reports

I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

DPT/EDXXXX XXXXXXXX XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXX XXXX XXXX XXXX  or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX {$3800.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the account. I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of an account from the same company.
Product: Checking or savings account

On the morning of XX/XX/year>, I withdrew funds from an ATM in XXXXXXXX XXXX Later that same evening, I noticed two unauthorized transactions on my Debit Card, an ATM withdrawal for the sum of {$900.00} and a teller withdrawal in branch for {$3500.00}. The first one for {$900.00} occurred at the same ATM I had most recently used in XXXXXXXX XXXX ; the bank withdrawal for {$3500.00} happened at a bank a few towns away, in XXXXXXXX XXXX  ; both transactions transpiring within two hours. I then realized that my debit card was missing. I immediately contacted Wells Fargo to report the card lost/stolen and it's unauthorized use on the evening of XX/XX/year>. An investigation ensued and the outcome of the investigation led to a refund of {$3500.00} for the teller transaction. I was notified of this resolution on a letter dated XX/XX/year>. The {$900.00} ATM remained under investigation until XX/XX/year> when I received a letter informing me that " based on the information available to them, and because the transactions were made using your card and PIN, we found it was made by you or someone who had your permission. Please consider your claim closed. '' I filed an appeal against the denial and just received a notice today, XX/XX/year> via email that they agreed with the resolution of the initial investigation and will not refund my {$900.00}. I haven't received any details to the investigation and would imagine that a video camera for an ATM withdrawal would support that it was not an authorized transaction, especially as the unauthorized withdrawal happened within the hour of the withdrawal I had made. It also happened using an ATM at one of their branches, in XXXX, XXXX and would imagine there is enough camera surveillance to support my claim. I don't understand how my PIN was used as I haven't shared it with anyone and it wasn't written on my card but there was a gentleman using the ATM next to me and might have shoulder surfed. He also followed me to my car to " ask me a question ''. I believe there is sufficient evidence that would confirm that the ATM withdrawal was unauthorized and deserve my refund.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I had made a {$100.00} deposit on a couch via XXXX XXXX. Turned out this individual was not real and was not selling a real couch. Even though all the photos seemed legitimate. And our conversations about this couch seemed legitimate as well. After about an hour of negotiations on price and pick up time, The person that was selling this couch wanted a deposit for pick up insurance. I sent the money via XXXX and after they received the deposit, they told me the couch was no longer available and immediately blocked me. I contacted JP Morgan Chase immediately, and explained my situation. After they transferred me around to different departments, the final person working for Chase bank or XXXX, told me that they could not do anything about this fraudulent act and I was not going to get my money back because I sent the money via XXXX. And all Payments sent are final. XXXX also wont let you cancel a payment even if its a pending transaction. And because XXXX is a 3rd party company, Chase bank can not interfere or do anything about transactions made through that system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an investigation or complaint with the bureaus. Capital one is reporting errors on my credit. They filed my complaint. Capital one responded with further inaccurate information. They have increased my balance changed although I do not have any way of adding debt because I do not have an account. Increased my payment history. They changed my account opening date and account status to open. I do not have an account open with this creditor. I have no history of transactions to report. My initial request was to verify the information because it is not consistent with XXXX, XXXX or XXXX. My job and credit are related. I could face termination for this company reporting inaccurate information. Please resolve by deleting all capital one accounts from my credit. They are fraudulent and harmful to me as a consumer.
Product: Credit reporting

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Product: Checking or savings account

I made an insurance payment of {$130.00} for my auto insurance. Everything appeared okay with this until I received an email from Bank of America stating that on XX/XX/XXXX I did not have enough money in my account ending in XXXX to cover my transaction. The following is a copy and paste exactly as the email read. 

Your account may have insufficient funds On XX/XX/2023, you didn't have enough money in your XXXX XXXX XXXX account ending in XXXX to cover your transaction ( s ). 
Balance after transaction ( s ) and fees : {$180.00} Transaction type ELECTRONIC PAYMENT Amount {$130.00} Transaction paid? No Fee {$0.00} Check your balance. If it's negative, make a deposit right away to bring it above {$0.00} and have enough money to cover upcoming transactions. 

There was {$180.00} in my account and the payment was for {$130.00}. This makes no sense to me but as I was logged into my Bank of America account and speaking to the rep over the phone telling her the payment had NOT been returned I watched the screen change and suddenly the check showed up as returned. I have no clue why they did this but the rep tried to explain that the posting I was seeing was not the way it really was. It was some other way and she tried to tell me where I could go in my account to see the way my transactions REALLY posted. I have no clue what she is talking about but the view I was looking at is the same one I have always relied on to check my bank account. I am sending you a copy of the email they sent me and a copy of my bank statement exactly like it is online. I do not see a problem at all with the way I did things and was not charged a fee. I'm sure I know why now. I just want to make you aware that Bank of America is doing something that is not right here and I would like you to look into it for me. They have been in trouble before for rearranging transactions to generate overdrafts and this is similar to that type of business. If this is what they are doing I do not want to do business with them any longer. Please look into this for me. Thank you
Product: Credit card

Securities documents sent to WELLS FARGO as remittance transfers are not being credit to the account.Based on Truth on lending, WELLS FARGO is using my credit as well as making money from my signature by securitization but refused to accept their securities document and credit the account properly. This put me in a bind to want to research for company for XXXXXXXX XXXX for fee in the future if a solution is not being provide to notify SEC and IRS with the report about their security fraud and money laundering. If needed, they need to forward the securities to their XXXX XXXX XXXX XXXX  since that's their indenture trustee and provides a time frame when all the credit will be reflected to the account. They also need to train their employees that are telling me only money order, cash, check, cashier check are acceptable for payment. They signed their XXXX and XXXX but still do not want to follow law : securities act 1934 and security act of 1933 along with Title 12 CFR 360.6 ( a ) ( 2 ) and failure to perform : Title US code 83 ( a ) and title 16 CFR 433.1 ( d ). They are not providing their quarterly 1099s. 

WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly I light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zellle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to r ply the system, leaving users vulnerable to scams. This 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I purchased optical equipment that turned out not to be compatible with my equipment. After several discussions with the vendor, he agreed to issue an XXXX and I returned the equipment. I have proof that the gear did indeed go back to him in that I have the XXXX tracking number and the receipt showing that the delivery was insured. 

My bank, Chase, has come back after 5 months and rebilled me for the equipment and wants me to pay for the gear because they say the vendor 's bank is refusing to issue the refund.
Product: Credit reporting or other personal consumer reports

XXXX has published accounts on my credit file that were not created by me, no written consent was given to publish the non public information and no disclosures to opt of credit reporting were given. They have broke federal laws 15 USC 6802 publishing non public information, 15 USC 1681a ( d ) ( 2 ) exclusions. I have made disputes that came back verified and could not explain how it was verified. They are now in subject to willful non compliance subject to civil liability damages
Product: Debt collection

Republic finance is stating I owe them XXXX, but when I asked them for a statement print out it shows a different amount of {$5200.00}. Ive explained to them Im on XXXX and I really cant add to pay them. The account was also written off in the amount of {$5200.00} in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

i have sent several letters and asked for method of verfication and get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.

I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.

In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will  proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Mortgage

I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within XXXX Business Days.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC XXXXg, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Money transfer, virtual currency, or money service

I send the money to a friend in XXXX XXXX and the person gave me back the money but I'm from XXXX XXXX and apparently in Pay Pal you can't transfer money to my bank.