23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2020 @ XXXX ct, I noticed an email stating I made a transaction of {$2000.00} to an unknown person named XXXX XXXX through my Chime Account @ XXXX ct. The money was taken from my savings, to my checking, then transferred my {$2000.00} into their account. I dont know a XXXX XXXX, nor did I make any transactions. I couldnt log into my account easily either, I had to re-enter my email & password 3 times instead of my 4 digit pin. I called Chime and told them, I asked them to place a hold on the account for stealing {$2000.00} from me without me knowing. They told me to change my password, lock my card, & file a dispute but wouldnt temporarily place a hold on the thefts account. I filed the dispute but cant wait 2 weeks for a decision when it can be settled in mins. All Chime has to do is place a hold on this XXXX XXXX XXXX XXXX account, investigate the theft, but they choose not too. It feels like my account was hacked or an inside job too be honest!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to EXPERIAN, XXXX XXXX XXXX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed account
Product: Debt collection

LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them. 

I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC? 

I have never received any sum of money nor any merchandise from this company! 

I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? 

There is no legal contract that is binding me to LVNV Funding LLC. 

I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents. 

I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?
Product: Student loan

I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP. 

This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives. 

Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.
Product: Debt collection

I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.
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 XXXX with account # XXXX Balance of {$200.00} XXXX XXXX with account # XXXX and a balance of {$5900.00}. 
XXXX with account # XXXX and a balance of {$53.00} 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
Product: Credit reporting or other personal consumer reports

The fraudulent account is with XXXX XXXX, and inquiries were opened using my credit with XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand the removal of these fraudulent items from my XXXX, Equifax, and XXXX credit reports, in accordance with my rights under the FCRA and FDCPA laws. 

Accounts Affected by the Crime : XXXX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} EQUIFAX : XXXX Date Fraud Began : XXXX. XXXX, XXXX Date Discovered : XXXX, XXXX Total Fraudulent Amount : {$2500.00} XXXX : Company or Organization : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2500.00} Fraudulent Information on Credit Reports I confirm that fraudulent accounts or charges appear on my credit report, including inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX XXXX and Equifax credit reporting agency , block the information appearing on my credit report that is a result of identity theft and fraud within four business days of receiving this complaint. The fraudulent information includes a personal store card account opened at These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of the aforementioned accounts, collections, or inquiries, as they were not initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof that these items are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. I have reviewed my credit report and notice some accounts that I would like to bring to your attention that I never provided written consent to furnish my information or to obtain my information from any third party. Under 15 USC 1681b, consumer reporting agencies are required to have a permissible purpose to furnish consumer reports. Since I did not authorize any transaction or credit inquiry related to this information, I believe that the reporting of this account is in violation of my rights. I request that you investigate this matter and remove any information that has been reported without my consent. Please provide me with the results of your investigation as soon as possible. Thank you for your prompt attention to this matter. I look forward to your response. 

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

Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, partially 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 infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have inaccuracies in the reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1682 section 602 A. States I have the right to privacy 15 U.S.C 1682 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I had filed a complaint a few years ago I was the victim of fraud and I had to get my ID security PIN from the credit bureaus. I recently discovered some of the same issues this year I need the following unrecognized address removed from my credit file I believe they are attached to some fraudulent activities from the past I need them deleted immediately as soon as possible. I am in the middle of buying my home and it is causing some verification issues. 
Please delete the following addresses : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also found issues with my name being spelled wrong my correct spelling is XXXX XXXX XXXX please delete any variation or misspellings of my name.
Product: Debt collection

To Whom it may concern, I have requested validation of account with XXXX XXXX XXXX for a account that they claim belong to me for the amount {$690.00}. I only have partial account number # XXXX. To this day they have not been able to prove. That account is not mind. They keep saying is validate. How can they do that? According to the FAIR DEBT COLLECTION PRATICES ACT it gives me the right to request validation of debt. They keep reporting to XXXX, XXXX  and XXXX .I have attach a letter than I have send to them.
Product: Bank account or service

Continuation of CFPB complaint XXXX

Discover Card has now taken retaliation steps in regards to the complaint recently filed against them referenced above.  After I filed the initial complaint, the company closed out my checking account which was in good standing.  I am absolutely disgusted that the response to a consumer protection complaint is to further harass and take discriminatory action against the consumer.  

I sincerely hope that the CFPB can rectify this practice.
Product: Student loan

I recently refinanced my XXXX Wells Fargo loan with another company, XXXX. As ofXX/XX/XXXX, the XXXX balance of my loan was transferred from my Wells Fargo student loan account to my new XXXX account. The remaining balance on my Wells Fargo student loan account was approximately {$150.00}. Upon checking my Wells Fargo accounts on XX/XX/XXXX, my student loan account shows a balance of XXXX, plus a late fee dated XX/XX/XXXX. The loan statements show no record of the loan transfer.
Product: Checking or savings account

I recieved a defective motherboard from XXXX, after trying to resolve this with the seller they want me to ship it back to XXXX at more cost to me, more than the original item is even worth. I tried to do a chargeback / dispute with my bank and they say that is not a reason for a charge back which makes no sense, I received an item that doesn't work and not wanting to lose more money I just want a refund of XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX 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: Credit reporting or other personal consumer reports

**Subject : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against XXXX XXXX  for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this XXXX ( XXXX ) account ( account number XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. On XX/XX/XXXX, I notified XXXX XXXX  about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the XXXX account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. **15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX  is inaccurately reporting a {$4200.00} balance on a charged-off XXXX  account to one or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since XXXX XXXX  has charged off this XXXX account ( number XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$4200.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to XXXX  for accounting purposes. According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making XXXX XXXX XXXX reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from XXXX XXXX  XXXX I have already filed this charge-off account on my XXXX tax return as income. XXXX XXXX  should not be reporting this charge off XXXX account to consumer reporting agencies. I demand this account be deleted immediately! I will be reporting tax fraud against XXXX XXXX  by completing Form 3949-A for not complying with IRS regulations XXXX The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more. I urge the CFPB to investigate this matter and take appropriate action against XXXX XXXX  for their harmful and inaccurate reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried various time to sign in my XXXX XXXX and when I do it says that an alternative email was used to Register, which is an email Ive never created. Next, I tired adding my phone number in order to get a security code but it also stated that there was another number registered to my account using my social security Number! 
Another problem I encountered ... I currently have 4 accounts active and on my capital one bank app. It states that I have 7 accounts and I seen that there was a credit card taken out under my information coming from the state Missouri which is obviously a Fraud! How can you help me log into my XXXX XXXX and how can u protect my personal information from this person in another state that got into my account! I need assistance ASAP!!!
Product: Mortgage

In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.
Product: Mortgage

My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.
Product: Credit card or prepaid card

I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.