23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  breach and may have got into the hands of the wrong person.
Product: Debt collection

A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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Product: Debt collection

I called Waypoint today and we found out that the on the account is not mine but the social security number. It appears that someone as used my number and the address is also different. The number for Waypoint is XXXX XXXX XXXX. They never contacted me because they had no way to do so, but to add it to the social security number.
Product: Debt collection

this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.
Product: Student loan

My issue is with XXXX, the XXXX XXXX. XXXX XXXX major contracted loan servicing company. This is the loan servicer that borrowers are *forced* to use when attempting to have their loans forgiven via the Public Service Loan Forgiveness program . They are notoriously incompetent, and so I have exercised extra vigilance in monitoring how my loan payments have been handled. Even with my extra effortsand even though I've only been paying XXXX for a year and a halfthey have already massively bungled my PSLF. My complaints : 1. They have miscounted the number of of qualifying payments I have made towards PSLF. Despite direct debit, which provides explicit documentation of every payment I have ever made to them ; and despite the fact the I have only worked at one employer the entire time my loans have been serviced by XXXX other words, despite an extremely straight-forward PSLF situationthey have *still* miscounted the number of qualifying payments I have made, missing the mark by six whole payments ( months ). Calls to customer service have been fruitless and frustrating, and it took a call to the federal student loan ombudsman to receive the " secret '' phone number to an " escalated '' ombudsman who actually took the time to hear my complaint. 

2. In the process of sorting through the above, I discovered that, when XXXX XXXX consolidated and received my loans from my original servicer ( the much more reputable XXXX XXXX ), they neglected to take ownership of two of my original loans. I was not alerted to this fact. In fact, I was not made aware at all that they could possibly not take ownership of my entire debt ; I was only told that my loans had been successfully transferred. The result is that, for 13 months, I had two long-lost loans that remained at XXXX XXXX, that were going unpaid and unnoticed by me. I then spent 3 hours on the phone, with XXXX separate ombudsman ( at the federal level, at XXXX XXXX, and at XXXX XXXX ), and I still have no clarity on what I need to do with these lost loans
Product: Credit card or prepaid card

I have accumulated some Amercian Express Membership rewards points ... .I tried to transfer some points to my family relative today and my rewards account has been frozen. 

I call AmEx customer service and were transferred to Membership rewards department. 
I were told it takes 8 weeks to get some " investigation '' result. this is ridiculous and not acceptable.
Product: Checking or savings account

I failed victim to a phone scam. Minutes later I realize that I was taken for a loop, I immediately placed a whole on my bank account. I contacted PNC Bank told them what happen and they put a hold on my account-within a hour. I went to the bank in person the next day and explain the situation. Explained the scam and told them that I didn ; t want to go through with the any transaction from the following day, They told me all transactions from the next day will be stopped and disputed, We where insured that everything was caught in time and all accounts will be closed. 

4 days later, PNC process five of the transactions that we told was a scam. This totally over {$6900.00}. We told them that they were fraud transaction and asked not to process them. Why would the be process. 

The PNC bank state that the dispute is denied. 

We need help getting our money back.
Product: Credit card or prepaid card

On XX/XX/2020, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. And automated response was sent back saying that their Fraud Department needed to be contacted via telephone. I then inquired as to why a customer is required to call in ( considering the time and effort needed in order to speak to a representative ). I have sent two separate, secured messages and Citi ( Best Buy VISA ) has refused to communicate with me with regard to this inquiry. If I leave, as scheduled next week, I feel this company will purposely impose a freeze on my card, that will result in my inability to access my good standing account. I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint.
Product: Credit card or prepaid card

Called the contact center at XXXX on XXXX XX/XX/2021 and asked why I was receiving a card I never asked for. It is being advertised as a Prepaid Visa Card and asking that I transfer my deposits to this card. I am concerned that my credit score could be affected by this and that someone is trying to ruin my credit. MyVanilla company insinuated that this card was requested by me and they had my information when I was asked to verify. This also concerns me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dismissed bankruptcy chapter XXXX on my credit report since 2011.. I have asked the credit bureaus to remove it cause its not verified.. I have a letter from the courts stating that they did not verified it .. Experian is using a three party to verify this incorrect info .. I have sent them the letter from the court and still cant get a response
Product: Checking or savings account

Woke up to my Paypal account permanently banned. No prior emails or a heads up.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Paypal sent an email stating that my account was being restricted due to inactivity. The email and letter both stated that I would not be able to either remove bank, credit or debit cards or close the account. Honestly, I thought the email was a scam until I logged into my account. 

I am not able to use the account and yet I can not remove Paypal 's access to my bank savings account and I can not close the account. Repeated calls to Paypal 's customer service are just as circular in logic as the email - can not use the account nor remove access to my bank account nor close the account. 

My fear is that someone will eventually be able to extract money from my bank savings account without my authorization. It is highly likely Paypal would not take responsibility for the unauthorized transaction in that event.
Product: Credit reporting or other personal consumer reports

Capital One Credit Card, sent me a card that I did NOT apply for or request in XXXX, XXXX. I returned the card with a written letter that I had not applied/requested this card. 

I checked my credit report and my credit report XXXX due to a notation by Capital One, between XX/XX/XXXX and XX/XX/XXXX. Checking my credit report I found 2 different notes, stating I had closed the Capital One account. 

1 ) Dispute resolved, consumer disagrees, account closed by consumer. 
2 ) Account closed by consumer. 

My credit score should not suffer because I cancelled a credit card that I did not request.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Unauthorized accounts and inquiries have appeared on my credit report that I did not authorize. Therefore, I am requesting that these items be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Please find below the details of the fraudulent accounts and inquiries that need to be removed : Fraudulent Accounts : 1. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9600.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5200.00} XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4300.00} XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Collection Account Under 12 CFR 1006.34 ( b ) ( 5 ) Dear CFPB, I am writing to formally dispute the collection account listed on my credit report by Portfolio Recovery Associates. This account is associated with account number XXXX XXXX XXXX and is negatively affecting my credit score. 

Upon reviewing the collection account, I have identified that Portfolio Recovery Associates has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ), which mandates that the debt collector provide specific information related to the debt, including : Itemization of the Debt : Under 12 CFR 1006.34 ( b ) ( 5 ), the debt collector is required to provide a clear itemization of the debt, including the amount of the debt at charge-off, any payments made, and any interest or fees added after charge-off. In this case, Portfolio Recovery Associates has failed to provide this necessary itemization, making it impossible for me to verify the accuracy of the debt.

Due to the failure of Portfolio Recovery Associates to provide the required itemization and detailed information as stipulated by law, I am disputing the accuracy and validity of this collection account. As such, I respectfully request the following actions : Immediate Removal of the Collection Account : Since the collection agency has not complied with the legal requirements under 12 CFR 1006.34 ( b ) ( 5 ), I request that the account be removed from my credit report.

Notification of All Relevant Parties : I request that you notify all relevant credit reporting agencies of this dispute and the subsequent removal of this collection account.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please inform me of the results of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable.
Product: Debt collection

On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
Product: Debt collection

Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the major credit bureausXXXX, XXXX, and XXXXfor their refusal to remove a fraudulent entry from my credit report despite a court ruling that dismissed the claim due to fraud. 

Background : The fraudulent entry is associated with a claim filed by LVNV Resurgent, which the courts in XXXX XXXX found to be fraudulent. On XX/XX/year>, the court dismissed the case, Case No. ( Insert Case Number ), on the grounds that the claim was invalid and fraudulent. The amount in question was $ [ Insert Amount ]. Despite the courts ruling and dismissal, LVNV Resurgent continues to report this fraudulent debt to the credit bureaus.

Actions Taken : I contacted LVNV Resurgent directly with a formal dispute and included a copy of the courts dismissal order, requesting that they remove the entry from my credit report. To date, they have failed to comply. 
In XX/XX/year> and XX/XX/year> : I submitted disputes with XXXX, XXXX, and XXXX, providing the court documents and requesting that they remove the fraudulent entry. Despite providing all necessary documentation, the credit bureaus have continued to report the fraudulent information. 
In XX/XX/year> and XX/XX/year> : I followed up with each credit bureau after the initial disputes, only to be informed that they would not remove the entry. 
Request : I am seeking your assistance in holding the credit bureaus accountable under the Fair Credit Reporting Act ( FCRA ), as they are required to correct inaccurate or fraudulent information in a timely manner. Despite multiple efforts on my part, and clear evidence from the court ruling, the credit bureaus have failed to act accordingly. 

I kindly request that the CFPB investigate this matter and ensure that the credit bureaus : Remove the fraudulent LVNV Resurgent entry from my credit report immediately. 
Provide confirmation in writing that the information has been corrected and removed. 
Please let me know if additional information or documentation is needed to assist with your investigation.
Product: Student loan

My father co-signed on a series of private student loans through Key Bank when I was XX/XX/XXXX years old in XXXX. I began payment plans on these loans upon graduating college. I always paid full amount due each month and always on time. Several years later my father filed bankruptcy. I received a letter from the servicer in XX/XX/XXXX that my automatic payments would be discontinued on my behalf and that they would no longer be collecting the monthly payments from me. A year and a half or so went by and my father must have completed his bankruptcy. I was contacted by Key Bank and now suddenly my loans were due in full. This baffled me because I am a responsible financial person who has always paid every payment due from me on time and maintains an XXXX credit score typically. So I tried working with the servicer instead on setting up another payment plan. I paid a few payments as agreed, but some information they had given to me in the account numbers was incorrect and the payments were not being received in full. I tried contacting the business by phone a few times on this. Before I knew it a collection agency was calling me and harassing me. These collectors are down right rude! I ended up settling the debt in full through the collection agency in XXXX. Then in XXXX i began receiving more harassing phone calls from debt collectors once more to collect on the same debt. I let them know I had already settled the debt in full. They refused to believe me and treated me as if I was lying. So I called Key Bank myself to try to confirm. I was connected to several people at Key Bank and no one could find my loan. They insisted that they were searching their student loan data bases and I was no longer in the system. So I tried to contact the collector but could not get ahold of them. They contacted me again about XXXX months later again with harassment and accusing me of lying. Apparently they had gotten information from Key Bank that had XXXX record of my settlement. Key Bank is not organized and has wronged me in several instances in trying to collect my debt.
Product: Consumer Loan

I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( Experian ) Names : XXXX   XXXX  ( XXXX  and Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Experian  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, XXXX, Experian ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX  & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, Experian, XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) XXXX