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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX {$7400.00}.
Product: Vehicle loan or lease

DISCOVER FINANCIAL SER You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Checking or savings account

I use commerce bank. On Monday the XXXX of XXXX i deposited a money order for XXXX into my account. They put a 7 day hold on it for a XXXX reason. They still have not released my money for me to use but they have sure started taking part of it. They keep XXXX  my account everyday and changing deposits and transactions around to make my account go negative so they can take more money from me. They are theives and XXXX and someone needs to stop this XXXX before i do. And i do have proof of everything they have done to my account and the money they have stolen from me
Product: Debt collection

someone stole my identity and opened many accts without my permission or authority.
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.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 and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I received the following response from Exeter XXXX regarding my XXXX protection. 

XX/XX/XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance LLC ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address the concerns outlined in the complaint. XXXX success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated your complaint, responded to the CFPB, and made the following determination. You signed for the Account established by the Motor Vehicle Retail Installment Sales Contract-Simple Finance Charge ( Contract ) you executed with Trophy XXXX to XXXX the purchase of a XXXX XXXX XXXX XXXX VIN # XXXX ( Vehicle ) on XX/XX/XXXX, which was assigned to Exeter. The XXXX payment schedule provided for 72 monthly payments of {$450.00} beginning XX/XX/XXXX. The Account was paid in full on XX/XX/XXXX. On XX/XX/XXXX, we received correspondence from you regarding your military orders. It was determined that we needed additional information to review your eligibility for retroactive protection under the XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, Exeter mailed you a letter requesting additional information regarding active-duty dates. Following this request, we received additional military documentation on XX/XX/XXXX. Exeter thoroughly reviewed all the documentation provided and it does not support any active-duty dates after the XXXX was originated on XX/XX/XXXX, through the payoff/close date of XX/XX/XXXX. All supported active-duty dates show to be after the Account was paid in full and closed. As such, the Account does not qualify for XXXX protection. We trust these answers to any questions associated with the complaint. If you have any additional questions about our response, we encourage you to contact the XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. Sincerely, XXXX XXXX XXXX XXXX Exeter Finance LLC My Response : I received a call from an account XXXX at Exeter XXXX on XX/XX/XXXX, explaining that my account did not qualify for XXXX XXXX because of the types of orders I sent in and that I would receive a letter in the mail. He further stated that inactive duty ( i.e., drills ) does not count towards. While he is right in his assertion that drills do not count, he is wrong in his assertion that the orders I sent represent drill duty. The attached orders are XXXX XXXX active-duty orders. They are within the timeframe which Exeter XXXX outlines. Begin XXXX : XX/XX/XXXX, to XXXX XXXX XX/XX/XXXX. 

Exeter False XXXX or representation : All supported active-duty dates show to be after the Account was paid in full and closed. As such, the Account does not qualify for XXXX protection. 

See attached XXXX XXXX : active-duty order # XXXX XXXX attached Title XXXX : active-duty order # XXXX
Product: Debt collection

A collection was placed on my credit of which I had no knowledge about nor received any notice about the amount claiming to be owed to them. The debt collector ( Millennium Financial Group ) looking to be collect for the amount of {$500.00} for XXXX headquartered out of XXXX XXXX, OK. I do not believe I owe this company nor has proper legal documents been filed showing i owe this amount. Both companies have failed to present me with a detailed spreadsheet showing exactly why I owe the company {$500.00}. Both companies are attempting to collect a falsely amount.
Product: Credit reporting or other personal consumer reports

Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$1200.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XX/XX/23 don't recognize this inquiry
Product: Student loan

XXXX XX/XX/XXXX I am formally lodging a complaint against Sallie Mae now Navient with your bureau. I have been battling this company for nearly twelve ( 12 ) years. I informed Sallie Mae in XXXX of XXXX, that I neither applied, approve, authorized nor co-signed for any loan or loans for XXXX XXXX. Whenever, I considered the average semester student cost ( XXXX University ) of nearly {$1600.00} for XXXX ( who lived at home ), I can't justify why any financial institution would ever approve reference # XXXX for any of the numerous loans of # XXXX for {$1800.00} ; {$8400.00} ; {$6500.00} and {$18000.00} respectfully? Furthermore, at no time did Sallie Mae contact me directly to verify, before executing any of these loans. 

In addition, I have obtained copies of these loans over the years and there is no actual or physical signature on any of the loan, neither mines nor XXXX XXXX, just a computered or typed in signature. Over the years, I personally have not made any monthly payment on any of these unrealistic loans. 

Since the sale of or just name change to Navient, I have stated my position as previously declared to Sallie Mae. Currently, they have declared the loans are in default and up for litigation or settlement with a reference to a IRS 1099-C. The settlement offer of {$10000.00}, would allow me as co-signer to be waived for the loans. Frankly, if I could afford it, I would not pay for any of these loans that were never authorized or approved. Furthermore, had Sallie Mae performed its ' due diligence these loans would have never been executed. 


Thank you in advance for your assistance concerning this matter. Yes I be will fighting this to the bitter end and am accepting any help or suggestions concerning this matter. 

Cordially, Ms. XXXX XXXX
Product: Debt collection

XXXX I was paying XXXX a month until XX/XX/XXXX they stop taking the payment XXXX XXXX Have put me in collection with 2 accounts!! How can they do that if this company is illegal
Product: Credit reporting

This account below was deleted from credit report after being disputed then added back on. Attached on page XXXX of pervious investigations. 
XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$3000.00} This account below is paid in full. 

XXXX XXXX XXXX, XXXX Open - Current {$38000.00}
Product: Debt collection

I placed an order with XXXX XXXX XXXX  utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. 

I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.
Product: Debt collection

My information was sold to a third-party debt collector. my information was this was exposed on a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on credit bureaus. I have no knowledge of this account. 
I have asked for validation of debt. 
I have asked for proof of ownership that they have bought this debt. Original credit application with my wet signature on it. Payment history of this debt they have failed to provide validation of this debt being mine
Product: Money transfer, virtual currency, or money service

My Coinbase account was hacked on XX/XX/2022 while I was on vacation with my family. The individual funded the account through my XXXX XXXX XXXX debit card in the amount of {$2700.00}. Then the individual withdrew the funds in two transactions. The first occurred at XXXX XXXX in the amount of {$2400.00} and the second transaction occurred at XXXX XXXX in the amount of {$330.00}. These funds were sent to a card ending in XXXX. 

I have been trying to resolve this issue with Coinbase for more than a month and they have not helped me. I have emails in which I showed them these transactions occurred. I have called them once a week for a status update and they just say that the case is under review. The current case # is XXXX. 

XXXX XXXX XXXX did not refund me the money that was stolen from me since they want to see hard evidence that those transactions were not mine. I asked Coinbase to provide me the full card number and the name of the bank so I can personally go to that bank and report that card number so they know that individual committed fraud as well the local authorities can prosecute the individual. However, it has been more than a month and Coinbase has not helped me on the matter. XXXX XXXX XXXX  has a time limit on open fraud claim cases. If I don't get it within 60 days of the day of the claim date then they will close it. 

For informational purposes, I have been on the phone with them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Can you please help me obtain this information from Coinbase?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 

I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.
Product: Credit reporting or other personal consumer reports

I had previously disputed an account with experian regarding an account on my report that is completely inaccurate and unverifiable. Now I am disputing it again in more detail but experian is just playing games and they are not willing to comply with the FCRA. If after this complaint it is not deleted then I have no choice but to proceed with further action. I attached the dispute letter that I had sent and a copy of my credit report showing all the inaccuracies of the account as well as why it is unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U S Dept of ED/XXXX Account XXXX 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.
Product: Debt collection

Me and my ex filed for bankruptcy in XXXX then were divorced the bankruptcy was discharged including the mortgage In divorce he got home, I left with nothing, he is now passed away XXXX XXXX and last year before he passed the collection servicing agency reported to all my credit bureaus the mortgage after XXXX years later Is this legal My ex was late on his mortgage I guess due to health reasons, that was unknown to me And it was never on my credit ever when we were married and it shows up after he was late on payments and then passed away Now they are coming after me XXXX years later When he got everything in the divorce and we both filed bankrupt and it was all discharged In XXXX This has ruined my credit and cost me to loose XXXX credit revolving accounts that I had paid off in full and the creditor closed those account because That collections put that late mortgage on my credit when it was dismissed over XXXX years ago
Product: Debt collection

Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX # 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
Product: Mortgage

XX/XX/2019 Had to contact a Advocate Ms.XXXX  XXXX to receive information on the progress of Modification. I needed her to tell me now to get access into a site sent by Bayview Loan Servicing , LLC to view the status as well as any outstanding items and to be able to upload Doc.which maybe still needed. Please refer to memo included dated XX/XX/2019 from office of XXXX XXXX. Ms. XXXX stated the only update she sees at present is XX/XX/XXXX denial.I had not and have not yet received anything from Ms. XXXX office as of yet. # 2 upon asking Ms. XXXX to help me get into the suggested site, in order to review the status by tracking my account at www.Bayview Loan Servicing, LLC. Comthen go to tab ( which was no such site ) called '' My Worked Out Details '' to view status and outstanding items.There was only a My Workout Details was a Gymnastic center work out.obviously she was unable to find such a site either. Upon asking her why I was denied again and what papers were missing she stated none, it is the investor denying the modification which she stated is XXXX XXXX'.someone else suggested I send a dispute denial to Ms.XXXX asking her to forward my request to the investor on my behalf MY COMPLAINT IS WHY WASN'T I SENT A FORM TO DISPUTE OR APPEAL THIS DECISION, I received nothing on all decisions being made, XXXX Resentative Mr. XXXX XXXX has heard nothing also from these representatives verbally or posted to the uploads of my status.If not posted or contacted how would I know of progress or denial taking pla e and what would be the next steps to close Ms. XXXX did say she does not see a solution or a sale date upon my aski g where is this going I feel like this is extremely unfair and somewhat bias that I'm being discriminated against started with 2 payments behind which would have been addressed at that point except for the loan company refusing the payments no one at the loan is trying to work with me and my Representative Mr. XXXX to resolve the matter and stop trying to justify takeing my home and leave me homeless i maybe XXXX in years but im XXXX inmind I'm not senile or stupid and plan to be around a longtime still. Stop trying to steal my house and work with me and the XXXX Rep. MR. XXXX to obtain a Fair modification to benefit everybody. Thanks!
Product: Student loan

My federal student loans were discharged due to XXXX. My application was submitted to department of education in XXXX of XXXX but not processed/approved until XXXX XXXX XXXX. I just became aware today XXXX XXXX XXXX that Nelnet said I did not respond to their request for information during the 3 year monitoring period so they reinstated my loans ( in XXXX ) and they are now in default. I have been continuously receiving XXXX benefits without interruption. I never recived the notifications from NELNET and I was understanding they had access to my XXXX benefit income. I never had income anywhere close to the federal poverty level. My health has declined more. They had my email but I have never received any notification of the loans being reinstated.I have been so ill I have not been doing anything and have help taking care of me. 
Nelnet are now saying I have to go the the whole process again? but they can verify through SSA records that I have continued to be XXXX without interruption. This period far exceeds the 5-7 years they are wanting to see a form XXXX? 
I absolutely was not notified of this action. 
Due to my long standing XXXX and my XXXX being in effect continuously for a period far exceeding 5 years I am requesting they reinstate my XXXX discharge effective as it was originally ( or effective XXXX XXXX when my Dr certified me. I wish for them to remove derogatory reporting of default loans. I was permanently XXXX be the SSA prior to that. The department of education/nelnet is now supposed to contact persons who are showing as TPD to notify them of their right for relief. Even though my loans have been reinstated and put in default I have not been contacted.I had no idea. Many other also have experienced a similar situation and not been notified. 
I never imagined there was a problem because I knew the dept of education was able to see my SSA information and my XXXX and I have continued in permanent disabilty prior to and since the XXXX application with no interruption and I have not exceeded the federal poverty level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of this bank but they fraudulently placed a hard inquiry on my credit report. The description reads XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and they confirmed it was fraud but refused to remove the inquiry. Since this is now lowering my credit rating, please force them to remove any inquiries from any bureau they reported. 

Thank you, XXXX XXXX