23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past four months, I have been receiving multiple calls per day from MCM at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. Despite informing them that they have the wrong number and requesting that they stop calling, the calls have persisted. 

I registered my number with the Do Not Call Registry in XXXX and I have no outstanding debts with MCM. The incessant calls have caused me significant distress, as I suffer from XXXX XXXX XXXX and have been unwell due to the harassment. 

In an effort to resolve this matter, I have taken legal action by reporting the situation to the police. I kindly request that you investigate this matter and take appropriate measures to ensure that I am no longer contacted by MCM.
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, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Money transfer, virtual currency, or money service

Ive been scammed before and never received my money back.
Product: Credit card

Subject : Formal Complaint Regarding Account Closure and Credit Impact Dear discover Customer Service, I am writing to formally express my frustration and disappointment regarding the handling of my credit card account. I applied for a discover and was approved. However, I later received a notice requesting additional documentation to activate the card. Despite my attempts to fulfill this requirement, I was informed that my deadline to complete the process had passed without my knowledge, resulting in the closure of my account.

This sequence of events has negatively impacted my credit score and caused me significant inconvenience for the following reasons : 1. Unclear Deadline C
ommunication : I was never provided with a clear deadline to complete the required documentation.

2. Unnecessary Account Closure : The closure of my account due to this issue seems unfair, especially given my efforts to resolve it in good faith.

3. Credit Impact : The closure of the account has harmed my credit score, which is unacceptable given the circumstances.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal three times since XX/XX/2022 regarding an unauthorized transaction that occurred on XX/XX/2022. The first call was initiated within 15 minutes of the unauthorized transaction for an amount of {$1000.00} I notified the representative that this was a fraudulent transaction and was not made by myself. The next day while following up I found that the previous agent had not even opened a dispute case. The next representative assured me he would take care of this for me, HE DID NOT, he instead marked this dispute as item not received. None of the reps were able to speak proper English or transfer me to a representative in the United States that could. This has caused my checking account to become overdrawn and encour NSF fees by my financial institution. I was told I would need to wait 10 days, this is unacceptable. I have been a customer of paypal for over 10 years and this level of customer service is unacceptable. My confirmed address has even been changed for this transaction which is a clear sign of fraud.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2019 Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

Im writing to express my serious concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that revealed significant problems with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They told me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs findings show that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XXXX XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, one of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XXXX and the account was opened in XXXX. This was scheduled to be removed from my credit report on XXXX XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in English. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to Experian, Transunion, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am XXXX I made no payment in XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state of XXXX and was attending XXXX XXXX. It makes no sense how I could go open a utility account if I did not live in the state of XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I suffer from XXXX and the stress these companies have caused me have effected my XXXX, I 've spent large amounts of money sending certified and expedited mail the last XXXX months with no results. Thank youXXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX
Product: Mortgage

I have experienced several financial hardships during the past several years although from being out of work or experiencing the death of a loved one. I have continuously ask for help and during the past two years have submitted at least eight to ten modification packages for any kind of assistance. However, every last package was denied and some probably without review. Not being able to receive assistance I had to file a chapter XXXX to avoid foreclosure. Even after the bankruptcy I have asked for help and once again denied any help. The bankruptcy and mortgage payments on top of my other bills have left me in a desperate situation and facing being homeless. During the past few months, I have been in contact with a single point person from Santander Bank ( XXXX XXXX ) to ask about other options. XXXX called me basically every week which made it appear as if she was really trying to help me come up with a resolution. However, I was wrong and as soon as she convinces me to put in a package for a deed in lieu to surrender the home without penalty, XXXX then expresses to me that I could receive up to XXXX XXXX dollars to relocate ... the option sounded good so I submitted the package. I have not heard back from XXXX and I just received a letter ( motion ) to drop the Chapter XXXX because of non-payment. XXXX was being deceitful and knew that there was no chance for me receive any help with the mortgage. XXXX called me on a weekly basis to pretending to be concerned about my situation but only wanted me to write a letter to surrender the home and knew that I would not receive assistance.
Product: Debt collection

Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint against Portfolio Recovery Associates Reporting Date : XX/XX/year> Account Balance : {$2100.00} To Whom It May Concern : I am writing to file a formal complaint against Portfolio Recovery Associates XXXX XXXX ) regarding their improper credit reporting practices on my credit report. 

Account Details : - Creditor Name : Portfolio Recovery Associates- Creditor Contact : ( XXXX ) XXXX - Reporting Date : XX/XX/year> - Reported Balance : {$2100.00} Basis for Complaint : I am disputing this account pursuant to 15 U.S.C. 1681 ( Fair Credit Reporting Act ) on the following grounds : XXXX. Portfolio Recovery Associates is reporting inaccurate information to credit bureaus without proper verification of the debt 's validity. 

XXXX. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. PRA has failed to adequately verify this debt before reporting it. 

XXXX. PRA has failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) ( 1 ) before reporting this derogatory information.

Requested Actions : I request that the CFPB require Portfolio Recovery Associates to : 1. Immediately cease reporting this unverified debt to the credit bureaus 2. Remove the derogatory account from my credit reports 3. Provide complete documentation validating their right to collect and report this debt 4. Provide written confirmation once these actions are completed This debt is not valid, and its continued reporting causes significant damage to my credit profile. The derogatory mark appearing on XX/XX/year>, is causing substantial harm to my creditworthiness and my ability to access credit. 

Please investigate this matter and require Portfolio Recovery Associates to comply with their obligations under the FCRA. I am prepared to provide any additional information needed to support this complaint. 

Sincerely, XXXX XXXX
Product: Student loan

When I first applied for the private student loan back in 2011, it was supposed to be a 4 year fixed interest loan for {$4000.00}. From XXXX the loan 's interest rate fluctuated every month and even though myself and my mother made monthly payments ( more than the minimum and paid on the interest while it was in forbearance while attending school ) on the loan, it continued to increase. Now I owe more than what the loan was taken out for which is currently {$4600.00}. The loan was sold to XXXX XXXX and I have had to put it in forbearance several times because I can not make the payments. I am XXXX XXXX XXXX  and I need this loan to be taken care of immediately. Wells Fargo took advantage of students needing personal loans to attend school and now most of us are in debt because of these companies and their fluctuating interest rates.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXXXXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and XXXXXXXX XXXX AND EARLY WARNING SIGNS has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Credit reporting or other personal consumer reports

Please see the attached documents. Remove any personal information that does not pertain to me.
Product: Mortgage

My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. Please help. Thank you.
Product: Checking or savings account

I deposited a cashier check in the amount of {$120000.00} on XX/XX/2022. I was notified that the deposited was on hold. When I called customer service at Wells Fargo, I was told that the payee bank ( XXXX Bank XXXX had put a hold on the funds. I called XXXX Bank and was informed that there was no hold and there was no issue with check. I called back Wells Fargo and now was told that because my checking account was new the funds were put on hold. As of now, the check has cleared XXXX Bank but still Wells Fargo is holding the fund and not crediting my checking account. I have been advised that the funds will become available on XX/XX/2022. This fund was from a home equity line of credit loan that I am paying interest on while Wells Fargo sits on my money. Also, because of the hold, I have had a transfer returned for NSF and paid a fee.
Product: Money transfer, virtual currency, or money service

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

This is XXXX account, XXXX medical bill owed and they reported each bill individually on my credit. It was maliciously reported and likely illegal.
Product: Money transfer, virtual currency, or money service

I filed a complaint with BBB on XX/XX/23 and XX/XX/23 as well as reaching out to square multiple times to keep being told somebody is going to reach out to me and for it to never be done! This is the second time in two month they have decided to review my account once i have received bigger orders and transactions! The first time money was transferred to an account that was removed a while ago and i was told its nothing that can be done that was {$5000.00} lost now they have deactivated my account, all of my money is on hold {$6100.00} and they are saying i cant get my funds until XXXX and this is my money to pay my bills, feed my daughter and my family, order inventory to process orders that Im now behind on as well! I keep being told because my account was deactivated ( which they cant even tell me why they deactivated my account ) that nobody will talk to me no supervisor will reach out because the result is final which is bs. My business is registered with the state of NC i have a llc nothing is illegal about my business at all. I feel as if they are stealing my money now and if nothing is done i will sue square and bash them on every social media platform! I just want all of my funds released ASAP i can make myself another website but i will NEVER use square or recommend square to anybody and i have been with them for going ok 4 years! This is crazy that they feel they can even do this. I have been lied to and hung up on by rude customer service. Ive been told its another department thats going to reach out to me in regards to releasing my funds sooner nobody has done so. They responded to my first complaint on here stating someone will reach out to me and havent done so either. Im fed up and just want my money or again i will sue them for everything they have!
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 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$380.00} XXXX {$5500.00} XXXX XXXX {$2800.00} XXXX XXXX {$5700.00}