23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I faxed a notice requesting XXXX XXXX to update credit reports pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ) within three ( 3 ) days from receipt of notice. XXXX XXXX XXXX has not yet complied. On XX/XX/XXXX I sent a 2nd Official Notice : Demand to Correct Credit Report Pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ), via XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX, a demand to immediate correct inaccurate account reporting XXXX TransUnion XXXX XXXX, and XXXX credit reports. Specifically, account 's Monthly Payment, Balance, Date Updated, Payment Received, Last Payment Made and Terms that have not been updated with TransUnion, XXXX or XXXX since XX/XX/XXXX. As a result, the information currently being reported is inaccurate, which is causing me harm.
Product: Debt collection

XXXX of XXXX I was contacted by the debt collection agency. Since then I have been communicating with them diligently. I noticed that the ledger that they gave me shows my move out date was XXXX of XXXX. Which I already knew this but I was still charged for XXXX rent. I have given them 4-5x already the forwarded email of my correspondence to the apartments that I sent them a vacate letter and a confirmation of the response. 

They have told me numerous times after all of the evidence that I am still needing to pay the debt. After all the proof I have shown them they said that if I don't pay it they will send me to collections. They have now sent me to collections. I should not have to pay for an amount when I have given them every single piece of evidence that I am not liable for this.
Product: Debt collection

NOTICE this is a FINAL Warning to stop your deceptive and abusive practices. You have violated my right to privacy as a consumer and FRAUDULENTLY access my nonpublic personal information without lawful authority or my written consent. Remove or delete this account from ALL consumer reporting agencies and your data base or records immediately. 

Name of FRADULENT account- ACCOUNT RESOLUTION SERVICES.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a truck from a dealership called XXXX XXXX XXXX. 

I paid a {$15000.00} down payment and was under the impression that this same mode of payment would be used on the payments moving forward. When I asked if the payments were on auto-pay, I was told, " That is all set up with the lender ''. Which seemed to mean it was already set up however I was unaware of the fact that this dealership doesn't actually know which lender they are going to use at the time a vehicle is purchased. They spot deliver the vehicle and then go shopping for loan rates ( you can see in the attached file my truck was purchased on XX/XX/XXXX but the loan wasn't opened until XX/XX/XXXX ). 

The address the dealership passed onto Wells Fargo ( the bank lender that ended up providing my loan ) was incorrect and so I never received the mail of my opened account with Wells Fargo ( Wells Fargo confirmed the mail was being returned to them and that they never sent emails, they did have a record of calling out to me but never made contact with me because I am suspicious of random phone numbers and they ). I did not know I had anything to do with Wells Fargo until a collections person reached out to me on XX/XX/XXXX after my account was already reported as delinquent. 

Because the moment I received contact from Wells Fargo ( XX/XX/XXXX ) and was made aware of the loan I had with them I paid the one late payment and current payment and have kept my account perfectly up to date, they have waived my late fee but would not remove the delinquency from my credit report. 

I should have made myself aware of the fact that the payments weren't being taken from my account. 

However, due to the following everything seemed to be taken care of. 

-I was under the impression from the dealership that I had already been set up with the loan. 

-I was led to believe by the dealership 's specialist it was on autopay. 

-I never received notice of a new loan account being opened. 

I never received notice of payment needed. 

I never received notice of a late payment... 

Once I did get contacted, the payment was made immediately. ( ON XX/XX/XXXX ) I have been current with any and all of my accounts. I strongly believe it is clear that this situation was a mistake from multiple angles and it misrepresents my credit history for a delinquent account to be listed on my credit score. 

I also included a screenshot that you can see that all payments have been made since I was made aware of the account and look at all of the account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX XXXX and transunuin  has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The company offered a promotional zero percent apr balance transfer but never provided information on when the transfer would end. All other banks that I use have this information but they not only do not list it on statements, it is not accessible anywhere. From one month to the next and with zero warning, the APR jumped to 20 percent and I was also charged a late fee because my recurring payment did not cover the minimum payment. I was also not warned that the minimum payment would not be covered by the recurring auto pay.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did a transfer of {$20.00} from my Cash App balance to my registered XXXX account. The transaction says complete but it never made it to my XXXX accounts. I checked both! It looked as if the account number they had on file was wrong. I noticed this after the fact when it didnt hit my account in the 3 max days advised. I did a {$11.00} transfer a few  months back with no issue. I have emailed them 3 times as per the instructions in the app, and havent gotten any responses. And the funds still arent in my account.
Product: Checking or savings account

I have been a customer with PNC Bank for over XXXX, I noticed an ACH debit of {$250.00} going on for the past XXXX yrs totalling {$6000.00} I have filed dispute with them and it is under investigation. 
How did this bank allow these withdrawals without any approved merchant ID # I hope you can help me with this FRAUDULANCE
Product: Credit reporting or other personal consumer reports

I do not have a contract with Allied Collection Services and do not owe the alleged {$2600.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Product: Checking or savings account

My debit card had 2 unauthorized charges and I called it in to wells fargo.  they gave me a claim number.  4 days later, the charges were taken out of my account.  I went to the branch and got a temporary card and was told that wells fargo treats their debit card holders like second class citizens as compared to the credit card holders.  They do not refund the debit card unauthorized charges for up to 10 business days.  Credit card holders are credited immediately.   When I questioned wells fargo about their treatment, they cited that there are 2 procedures for refunds.  This is wrong.Additionally, I was told that when I called and got a claim # that I should have been told to call the fraud people.  I was not told this.  They led me to believe that until I talked to them today, that nothing would happen to the credits til I called.  This is a lot of double-speak.They should treat debit cards and credit cards the same.
Product: Credit reporting or other personal consumer reports

Hello, I am submitting this complaint because I recently disputed a collections account on my credit report with Equifax, XXXX, and Equifax via their online dispute system. Despite providing detailed documentation to support my claim that the account is inaccurate/unverifiable, my dispute was not accepted, and no corrective action has been taken on my credit report. 

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are not being fully respected. I have followed the proper procedures and provided all requested supporting information, yet the outcome of the dispute remains unsatisfactory. I am seeking assistance from the CFPB to ensure that the credit bureau complies with FCRA requirements and that my dispute is properly investigated and resolved. 

Please let me know if further documentation or clarification is needed. I appreciate your help in this matter and look forward to your guidance on the next steps. 

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

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including experian, XXXX  and XXXX. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX that was applied for as well, the problem here is im a man why would i need a XXXX XXXX  card for? I have several disputes that just do not get taken care of too.
Product: Debt collection

I have repeatedly tried to unsubscribe to emails from this company, but it just takes you to an account lookup page which I believe violates the FDCPA which requires them to make it simple to unsubscribe. 
I have called and requested that contact via phone be ceased because they repeatedly call me and dont respond when the phone is answered in an attempt to get me make a return phone call at all hours which is again in violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allow, 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: Debt collection

XXXX attempted to contact ARS . Asked me to provide DOB and I said I would not until I confirmed the debt and validity of the company that has been harassing me.

I asked these questions to confirm validity of ARS : Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors XXXX gave her name but then said she did not know why I was asking here these questions and hung up on me. 

Called back again same date. Said I would not share my DOB until I had my questions answered. XXXX hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Student loan

I have not been able to login to the Nelnet website to access my account or pay my bill for two weeks now. 
I made a payment in early XXXX and signed up for the XXXX plan. They sent me an email that I need to make a payment to finalize the XXXX plan application and now my login information does not work. I changed my password, new password doesn't work. Call their customer service number and am on hold for over an hour, I can not stay on hold that long since I can only call on my lunch breaks. Sent in email asking for help, they ask what browsers I used, I supplied that information and then their response back is that my request is too difficult and I should call them, which I already tried to do.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) po box 27170 Washington , DC 20038 Re : Dispute Regarding Violations of Consumer Rights by Credit Collection Servic To Whom It May Concern, I am writing to file a formal dispute regarding the actions of Credit Collection Servic in violation of my consumer rights under federal regulations and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Credit Collection Servic has failed to comply with the provisions outlined in 12 CF R 1006.34 and 15 USC 1681, which I outline below.

1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Credit Collection Servic has placed a collection account on my consumer credit report without providing any validation information in accordance with 12 CFR 1006.34 ( b ) ( 5 ). I have not received any written notice or documentation confirming the details of the debt, nor have I been given the required validation of the debt within the timeframe outlined by law. This failure to provide the required information before reporting the debt is a direct violation of my rights as a consumer.

2. Failure to Allow Dispute of Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given an opportunity to dispute the validity of the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The failure to allow me to dispute the account before placing it on my credit report is a clear violation of my rights, and I demand that this be rectified immediately.

3. Misleading, Deceptive, and False Practices : Credit Collection Servic has engaged in false, misleading, and deceptive practices, which is a violation of both the FDCPA and my consumer rights. These actions include misrepresentation of the debt and failure to disclose required information, which can only be seen as an attempt to mislead and deceive me.

4. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Credit Collection Servic has no authority to furnish any account to a consumer reporting agency without providing the necessary disclosures as required under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). By failing to meet these legal requirements, the collection agency is violating my rights and unlawfully reporting the debt to the credit bureaus.

I respectfully request that the CFPB investigate this matter and hold Credit Collection Servic accountable for their actions. I also request that the account be removed from my credit report until such time that they can provide the required validation and disclosures in accordance with federal law.

Please confirm receipt of this dispute, and I look forward to your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I requested 1099c last year never received it been charged off should be deleted off all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I received notification through the credit bureaus that there were hard inquires. I reviewed the info and someone else had applied for several credit cards in my name.
Product: Debt collection

XXXX & XXXX & XXXX ALL 3 CHASE CC FILED IN MY BK XXXX.
Product: Credit card or prepaid card

I recently tried to get money at an atm from my government prepaid card and was not able to make a withdrawal. I called the number on the back of the card for help 3 times in XX/XX/2023 and they said the account was closed and to search help from the agency who provided the money. They provided limit info on why the closed my account. The prepaid card is not expired. The total on the card is {$4200.00}. I went two times by appointment to the state agency and had them say the bank is in charge of the funds and not the state agency. They did have me verify my identify for the bank thinking this would solve the problem. It did not. I am having trouble getting help from the bank and the state agency. No one knows what to do with my issue.
Product: Student loan

My student loans were transferred/sold from Great Lakes to Nelnet. Since receiving this notice, I have attempted several times to set up auto pay and to make payments with their online portal. Every time, it would say the submission was successful, but the payments never processed and then the history of the payment is erased from my account history in Nelnet. Whenever I tried to call in, wait times were extremely long. I contacted my bank to confirm I had the information correct, and they said Nelnet never even tried to debit my account. In order to make a payment with Nelnet, you must call into their customer service and make a one time payment each month. There were several months when I tried setting up the online payments that the payments never went through, and as a result my account went 90 days deliquent and they reported it to the credit bureau, in turn tanking my score even though I tried to make payments on their online portal several times. When I spoke with customer service Reps and spoke to other people who use Nelnet, they said this is a common issue with them. It is extremely misleading that they have an online payment portal set up that they know is dysfunctional, and as a result I can not set up auto pay and receive the interest reduction rate for having auto pay on. It has been a nightmare dealing with Nelnet. It seems predatory that they make it so difficult to make payments!
Product: Payday loan, title loan, or personal loan

was being charged fees for something that i already paid for tired to work it out was told nothing they could do feel behind on payment because of this and still they did not want to work with me. i belive this company in violation of the loan regulation and statutes law.and demand investgation
Product: Debt collection

Received a Notice of Collection from Penn Credit Corporation to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up Penn Credit Corporation and they have many complaints on the XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Product: Debt collection

Validate the debt before any attempt to collect. I am very disturb with their limited responses ignoring all validation requirements by the FDCPA of 1977 as I request validation Unifund needs to come up with requested verification