23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the creditor as XXXX XXXX XXXX which is now stating that you Collins Asset Group are the creditor. This company is not the creditor and I am putting you on notice that I disagree with this. Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of a credit account does not prove that the company that provided the statements is the creditor. Keep in mind that impersonating a creditor is a federal crime. If you fail to provide the name of the creditor of this account I am demanding you remove this account from my consumer reports. 
Your company shall immediately cease collection of this alleged debt because you no longer have the right to assume it is valid because I am disputing the entire amount. I am demanding that you cease collection, and remove this alleged debt from my consumer reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a deposit into my binance.us exchange account for {$1000.00}. It was unable to deposit successfully and it was processed as a chargeback. I received an email stating " Please deposit XXXX USD within 7 days to bring yourBinance.USaccount into good standing '' & " Failure to settle the outstanding balance may result in the liquidation of your crypto holdings as necessary to cover your outstanding balance ''. When I attempted to deposit into the account an error message appeared and the deposit failed. I have over {$4000.00} in my account that is locked/restricted. I have sent a follow up email and no one has reached back out to me. It has been over 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a late payment from XXXX XXXX XXXX because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent XXXX a letter explaining everything now Experian is reporting different late payments on the Experian website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on XXXX XXXX Since its not reporting accurately Id request that all late payments from XXXX be removed from my credit report with all 3 credit bureaus. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.
Product: Student loan

i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

I began my application process for a new mortgage with Amerisave but was really disappointed with the service I received. My contact there was unprofessional, frequently mixing up my information with another customers, calling me from his cell phone without telling me his NMLS ID, and just generally being sloppy. I discussed with Amerisave that I wanted to move my application elsewhere, and they agreed to refund me my {$500.00} application deposit. I have spent the past 6 weeks trying to get that refund and my emails have been consistently ignored. I have tried escalating this over the phone and they keep promising that they will refund me, but never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago I disputed inaccurate information being reported by XXXX XXXX XXXX. I send proof that different this was getting reported. The credit bureaus didn't even look into it. they just said account was verified. My account was never charged off and the payment history is incorrect. You can see alot of inaccurate information from the proof I sent in
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes part icularly in light of recent XXXX lawsuit highlighting issues with the platform. Despite using Zelle numerous time and reporting. Discrepancies my. Financial institution and Zelle. Failed to investigate my claims adequately. They. And for me that recovering lost funds. Was impossible and That tracking these transactions was unfeasible. The CFPBs. Findings indicate that Zelle. Has not only neglected. To protect consumers. But has also allowed repeat. Offenders to exploit. The system. Leaving userss vulnerable to scams. This lack of accountability XXXX, serious concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX  account # has violated my rights. 
2. 15 u.s.c 1681 section 602 A states i have the right to privacy. 
3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions. 

4. account # XXXX  XXXX XXXX  XXXX
Product: Credit card

On XX/XX/XXXX I received an email stating a new credit card has been ordered. The numbers match but I noticed my current card didnt expire until XX/XX/XXXX. In addition, the card looks like it has a different description in my mobile app. The current card is XXXX but this says cash rewards. When I called to find out why, I was transferred 3 times and decided to close the account. I was then sent a code to my cell phone for verification but the rep said it would not let her put the code in nor could she answer why a new card was issued.
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX, US DEPT ED, XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPTEDXXXX  US DEPT ED, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2023, I authorized a one-time payment, in the amount of {$96.00}, with XXXX for Order # XXXX. The total amount of {$96.00} has been placed on hold with my financial institution : Trustmark. On XX/XX/2023, I was alerted to a second hold using the same Trustmark account for an additional and separate hold, in the amount of {$71.00} from the same merchant for the same items. I called my financial institution to dispute the transaction and request a reversal/release of a second hold that was not authorized. Initially, I was informed the second hold would fall off within 5 to 7 business days. I stated, " I need access to those funds immediately and didn't grant permission for an additional hold to be placed on the account in no form or fashion. '' Trustmark call center indicated the problem or issue was on the merchant 's side ; however, the merchant always indicates they only submit one authorization hold. I was later told to have the merchant fax an authorization release to the financial institution as Trustmark had no method to release the funds back into the account. I then traveled the nearest local branch of Trustmark in XXXX, TN XXXX. I had spoken with Vice President XXXX XXXX XXXX NMLS # XXXX, informing her I've had this happen on several occasions with other vendors as well. XXXX XXXX indicated several merchants practiced the same method and required the merchant to fax the authorization in. While within XXXX XXXX 's office I was in contact through telecommunications with XXXX explaining the placement of two holds when I only authorized one. In previous occurrences, XXXX provided documentation through email of only submitting one transaction request. I was on the phone with the merchant while also within the XXXX Trustmark branch so everything can be verified but XXXX XXXX suggested to return to the lobby to speak with the merchant due to not being able to discuss the situation while I was listening to the representative. I returned to the lobby. The representative from XXXX verbally provides an authorization of release code to provide the teller. I returned to XXXX XXXX 's office. In which, she provided a business card with fax information. I left the financial institution with the impression my right was infringed on under U.S.C Title 12 under the constitution.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion has failed to reinvestigate and ensure maximum procedures of accuracy. Please review the attached documents.
Product: Credit reporting or other personal consumer reports

This account is under Alitigation the balance is incorrect & i need it close & also remove from my credit reportin accordance with the Fair Credit Reporting act XXXX AccountXXXX XXXX has violated my rights. 

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 - enterthe account number in the blankcopy paste
Product: Money transfer, virtual currency, or money service

Hello I wanted to sell a dress only which I had listed in XXXX XXXX for {$590.00}, I seen someone who you would think is a real person to my thought this fraudulent sick person made it seem so real, he sent me emails & it looked so real after me sending {$300.00} via XXXX, XXXX sometimes asks are you sure this come be a scam before sending something along those lines of course i wanted to sell the dress & i sent {$300.00} without knowing minutes later this man kept the money asked me for {$600.00} i said no & searched up the scammed which is daily XXXX scams online on XXXX XXXX who are scammers who hack into people accounts. Capital one Bank took 10 days to tell me my claim was DENIED .. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both creditors directly and they told me they would Not remove the inquiries from my credit report. 

XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Vehicle loan or lease

I first purchased the XXXX XXXX XXXX in XXXX of XXXX, and I have made my monthly installments on time for the last two years. In XXXX of this year, XXXX, I made a partial payment and it sent my account into delinquency which led to the company, Best in Funding suspending my account, and preventing me from accessing the payment portal to make a payment to bring my account back to current status. 

I called them to attempt to rectify this issue on XX/XX/XXXX, and the Account Manager, XXXX began to over talk me, interrupt me and assert how my phone call was not important and hung the call up while I was still on the phone. I attempted to call back to address making a payment, and the same woman, XXXX would answer my call and hang up repeatedly. She disconnected my call 12 times according to my phone log. 

I was finally able to call back approximately 30 minutes later but was still met with the most unprofessional customer service, making me feel inferior, and discriminated against for missing one payment in my two year history with the company. I was finally sent a link to make the payment, but unfortunately the link did not work. I called back again to try and make the payment, of which I was hung up on again after being told a new link would be sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be a result of a data breach, fraud, or unauthorized actions, and I request that they be thoroughly investigated. Additionally, I demand verifiable proof of any such inquiries, including documentation bearing my signature or electronic signature. 
Please note that I am sending this letter on my behalf, not through a third party. I ask that you review it carefully. I never authorized the actions in question, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( Block of information resulting from a data breach or fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ].

I have already contacted the relevant companies and found that these actions were initiated without any valid proof or proper compliance. These accounts and inquiries are inaccurate and unauthorized, which leads me to believe they are the result of a data breach or the improper reporting of my information by creditors or a third-party data furnisher. 

I expect these fraudulent entries to be removed from my credit report immediately, in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my XXXX  insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.
Product: Credit reporting or other personal consumer reports

Previously filed a complaint due to in accuracy on credit report.

Company has still failed to report accurate information regarding payment statuses on this account.

Previously did not provide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.
Product: Debt collection

Regarding : Account No. XXXX CAPITAL ONE BANK USA Credit Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers and attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XX/XX/2021, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.