23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX I was laid off and went on unemployment for nearly 9 months. My son XXXX in XXXX XXXX and as the sole provider I was unable to keep up with my financial obligations. I sought assistance with my creditors to keep my accounts in good standing. Many were helpful, some were not. Creditors that were not helpful sent my accounts into collections. Hence, this request for assistance with Messerli Kramer who is the representing attorney for XXXX XXXX. 
Once I found stable employment and got back on my feet I made every attempt to pay back all monies owed as it was debt that I incurred. Since XXXX XXXX, I made several attempts to reach a settlement with Messerli Kramer. I received many phone calls on my cell phone during the day at work which I could not answer. When I was able to speak with someone they stated they were an attorney in the collection department and were rude, insistent on immediate payment demanding of personal information such as finances and place of employment when I stated that I could not make immediate payment. I refused to give the information for 2 reasons, 1 ) it 's irrelevant/not their business and 2 ) I was fearful they would attempt to contact my employer. When I went to look up the individual that I spoke to I realized was not in fact an attorney. When I called back to discuss my account I asked him directly if he was an attorney, to which he promptly state, " No, and I never said I was. " I made offers to settle on their website which they stated they did not receive. When I submitted in writing their response was that their client " XXXX '' refused the offer which I believe is false based on the fact that XXXX XXXX offered me a settlement on another debt I owed that was 60 % of the original debt. Which I accepted. They aggressively pursued me by phone instead of in writing as requested, which I felt was an attempt to intimidate a deceive me. They threatened legal action every time. I stated I wanted to avoid that and resolve this. I upped my settlement offers and every time I did they upped theirs. They refused all payment terms I presented. I feel Messerli Kramer is now skirting the line if not crossing it. 
On XXXX XXXX, XXXX, 1 year later, I received a letter from the XXXX Court that a judge has been assigned my case. I was unaware that a suit had even been filed. I 'm now concerned that Messerli Kramer is attempting to seek a default judgement against me and will in turn garnish my wages and levy my bank accounts which will threaten my financial situation. 
I understand that they may or may not have done anything illegal but it is most certainly unethical in every sense. I 'm not attempting to get out of paying any debt I owe. I 've made fair and reasonable attempts to resolve this debt. Messerli Kramer, who represents XXXX XXXX has refused any and all offers and payment schedules. They are forcing me to pay what is now an even higher amount in full or go to court. I 'm uncertain why they refuse to work with me and I 'm seeking your assistance to resolve this as I feel they are forcing me into court or have already begun summary judgement proceedings.
Product: Debt collection

I have been in contract with National Credit Systems since or around XXXX. They never sent me any documentation in the mail or contacted me. I only know of this debt because of it appearing on my credit report. I contacted them to find out where this date came from and it is from two apartments leases, XXXX in Delaware and XXXX in Pennsylvania. I have never lived in those states. They told me of a portal to upload proof of my residency which is Florida, a police report, identification, and a notarized affidavit. I submitted those documents within a week. I gave them a few months to before contacting them for an update. I contacted them again about XXXX weeks ago and was told they have no documentation from me. So I uploaded all documentation again through there portal and also emailed them all the documentation, this was on XX/XX/year>. I called them on the XXXX of XX/XX/year> and was told they still didnt have my documentation. I asked how long does it take for them to receive the documentation and I was told they do not know. During the first waiting period when I file the original documentation I was told they had all the documentation. When I called later for a update, I was told my claim was denied. So I asked can I talk with someone from the department who approves or denies claims, so that I can get a better understanding of what they XXXX want from me. The agent I was speaking to told me there wasnt anyone I could talk to. I put up a fuss and he did eventually transfer me over to his supervisor and then the supervisor said they didnt have any documentation from me so that is why I resubmitted all my documentation again via email and to the companys portal. 


I reached out to the apartments myself to see if I can get any information and they did send me the Pennsylvania ID with my birthday and name on it. But I am not the person pictured. They also told me the person used my social security number. I have did everything the collection agency asked of me but they are not helping, they are rude, and near gives a clear answer for questions. I have now since dealing with this collect agency been contracted by XXXX other collection agencies about more apartment leases in those areas.
Product: Credit card or prepaid card

Hello to Wells Fargo, I am XXXX XXXX, XXXX XXXX XXXX born on XX/XX/XXXX, and I do not know XXXX. Most of the time I receive help from my XXXX son XXXX XXXX. I have been their client for many years. 
Approximately around XX/XX/XXXX I logged into my account on Wells Fargo, and then when I did so, there was an offer for a credit card that I was pre-approved for. So, I submitted an application and their response was that they would contact me through the mail in the next week. 
On XX/XX/XXXX I received a letter from Wells Fargo about my application. The letter stated that due to my credit report on XXXX being frozen, they requested I unfreeze it and call them once I did so in order for them to check it. 
The next day on XX/XX/XXXX, I unfroze the credit report and called Wells Fargo with the help of my son XXXX XXXX because I do not know XXXX, and we told them it was unfrozen, thus the representative told us to wait a couple of minutes on the line until she checked my credit report, and then she said everything is good ( and immediately then, XXXX reduced my credit score by XXXX points because of this ) and that they are going to send a response within a week to my home. 
Yesterday, on XX/XX/XXXX, we received a second letter from Wells Fargo, the letter stated the exact same thing as the last, saying that I needed to unfreeze my credit report on XXXX and call them AGAIN. 
I was very surprised by the strange request, and again I used my son XXXX XXXX 's help we called them again on XX/XX/XXXX, at XXXX AM ( the call 's length was a total of XXXX minutes ) and we spoke with a representative named XXXX. After she had identified us, she told us to wait in line and that she wanted to speak with her upper management, and her manager said that they want to ask me more questions and if I was okay with answering these questions. I answered positively, and then she said that she had to bring an interpreter on the line. I again answered positively. 
Once the interpreter was on the line, she requested me again to open my credit report on XXXX without asking me any questions. And I told her in a very clear-cut way after XXXX had reduced my credit score by XXXX points, I am not going to open my credit report unless she can guarantee no more points would be taken from my credit score. She insisted that I open it, and I continued saying no, and I told them that I am going to send a complaint to CFPB about them, and I told them at the end of the call that I no longer wanted their card and that I am giving up on it, and that I just want my points back, and we hung up the call.

I am very surprised by the lie in their advertisement for the credit card, saying I was pre-approved and they still requested that I open my credit report, but no problem, I agreed to do it, and I didn't think that so many points would be taken from my credit score because I was pre-approved and their customer for so many years. Because my credit score in their bank is XXXX as of today. 

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

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting or other personal consumer reports

Subject : **Formal Complaint Regarding Late Payments and Unauthorized Credit Reporting** I am writing to formally address a serious concern regarding my credit report and the reporting of late payments that I believe are inaccurate and have been reported without my written consent. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and fair reporting of my credit information.

**Details of the Complaint : ** 1. **Late Payments : ** I have noticed that my credit report reflects late payments that I do not believe are accurate. I request a thorough investigation into these entries.

2. **Unauthorized Reporting : ** I have not provided written consent for the reporting of this information, which is a violation of my rights under the FCRA .

**Request for Action : ** I kindly request the following actions to be taken : - **Removal of Negative Information : ** Please remove all late payments and any negative information related to my creditworthiness from my credit report within 10 business days.

- **Cease and Desist : ** I request that you cease all communications with collection agencies regarding this matter, including any digital, email, or other forms of communication. 

I expect a prompt response to this letter and a resolution to my concerns. Please confirm receipt of this letter and inform me of the actions you will take to rectify this situation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm putting down to give my XXXX  concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint about Zelles inadequate handling of disputes and its neglect in protecting users like myself from fraudulent transactions. Despite Zelles widespread use and claims of reliability, its lack of robust consumer protection measures has allowed offenders to exploit the platform, leaving users vulnerable.

I have personally experienced this negligence. After being deceived in a transaction, I promptly reported the issue to my financial institution and Zelle. However, neither entity took appropriate steps to investigate my claim or recover my funds, highlighting systemic issues with their dispute resolution process. 

The CFPBs recent lawsuit against Zelle further validates these concerns. Zelle has failed to uphold its responsibility to safeguard users and instead creates an environment where fraudsters thrive. Their refusal to adequately address disputes undermines consumer trust and contradicts the basic principles of accountability and transparency. 

I urge the CFPB to hold Zelle accountable for its failures and to push for stricter consumer protections on the platform. This will ensure that users like myself are not left without recourse in the face of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Product: Debt collection

I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed RentDebt Automated Collections LLC a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through XXXX and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps putting or selling this identity theft dept to different collections. Berlin Wheeler is the 5th collection agency that falsely put this dept on my credit report. Every time I have to go through this process. XXXX was sent all the documents but refuses to listen i guess and this pops up seems once a year with a different collection agency. I called Berlin Wheeler on XX/XX/2023 after i seen this fraud on my credit report again and let them know it was fraud but the lady that answered the phone was rude and laughed at me when explaining. Very rude and unprofessional is Berlin wheeler..
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

There is a reporting of a debt from an apartment complex that I haven't lived. I'm not sure how my name or ssn was associated with it. I have contacted the collection company but they only tried to collect the debt.
Product: Credit reporting or other personal consumer reports

The XXXX reporting agencies, Experian, XXXX, XXXX - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt collectors.

They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( XXXX, Experian, and XXXX ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt. 
Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike XXXX, Experian, and XXXX be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )
Product: Checking or savings account

Why I dont have a new account number after on the phone verification of this test deposit that keeps trying to go into my account on XX/XX/XXXXXXXXXX/XX/XXXX I had test deposits coming in. Why my closed account had XXXX in it in XXXX or XXXX and why it said saving why so many names of my checking account why I only received XXXX instead of XXXX in XXXX why no response to my atm pictures of what was given to me at the atm not what there saying why they let XXXX go through and show on my credit report as active why the let XXXX go through and had a identity protection program I didnt approve of why after I says that wasnt me in Alaska walking up to the teller getting money never sent me proff of that wasnt me..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card

This account is invalid.US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

US BANK XXXX
Product: Checking or savings account

I spent 4 days telling them unauthorized charges and I faxed the list. The bank could tell nothing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute wrong information on my credit report. I am concerned that my personal information may have been compromised and as a result inaccurate and fraudulent information has appeared on my credit report. according to the FCRA I have the right to dispute any and all inaccurate listed. these are all the accounts that are not mineXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

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