23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hi I am in desperate need and would greatly appreciate your help. I called both XXXX as well as Nelnet requesting the original Promissory Note signed for the loans in question and was told that neither servicer had them in their possession. I called the Department of Education and I was told that I was not in their system. I logged onto XXXX and saw that they were reporting all of the student loans as closed. Then logged on a couple of weeks later and the loans were back active. I submitted a dispute to all three credit bureaus stating that they did not have the promissory note and I received a response from Nelnet saying that I had previously signed a forbearance ( hardship ) .Obviously, I signed the hardship forbearance because I could not afford to make the payments. I received a call from XXXX today and I was told that they will send me something in the mail soon ( possibly a promissory note ). I am not saying that I don't owe a student loan, I'm saying that I have no idea which loan is legitimately mine. I am confident that all of the loans that both XXXX and Nelnet say are owed by me are not mine. I have been dealing with illnesses most of my life but deemed XXXX in XX/XX/1998 by Social Security. I've tried working twice but found myself continuing to battle my illness which keeps me unable to work. I'm just asking for fairness and clarity. I was a victim of identity theft with XXXX XXXX, someone was stealing what little money I had. I filed a police report last year. Hopefully, whoever it is will be caught. Meanwhile, I am begging for your assistance. Please help me to secure the original promissory notes for all of the loans that have been assessed to my account. Thank You!!!!
Product: Debt or credit management

I fell victim to a scam where the scammer obtained my card number and security code, making unauthorized purchases. They spent {$140.00} at XXXX 's and {$230.00} at XXXX in XXXX XXXX on XX/XX/XXXX, total of {$380.00} withdrawn from my BofA student account.
Product: Payday loan, title loan, or personal loan

Lady is calling saying we are sending XXXX county to your location. I am going to contact XXXX county to see if this is true. They are giving me a case number saying you will be picked up at work or your residence. These companies are selling my information to other people to make it look like I have a loan out. This is the XXXX XXXX and XXXX collection agencies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 60 days 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. 


XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

A XXXX address and 2 XXXX addresses ( on XXXX XXXX and XXXX XXXX ) on my Experian report have zero association to me. I need them removed please,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate costumer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive l, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

starting XXXX and ending in XX/XX/2022 I supplied the same exact financial and personal information to the Pennsylvania Homeowner Assistance Fund which was giving to mr Cooper in XX/XX/2022 for modification assistance. 
XX/XX/2022 mr Cooper response to my cfpb complaint ( promptly closed ) was the information supplied was inaccurate or incomplete documentation ( which was a lie ) because I supplied a affidavit, government application for assistance, copy of death certificate, XXXX months of bank statements, XXXX years of income tax returns, hardship letter, pay stubs, copy of driver license, social security card so the PHAF was more involved yet they NEVER LOST ANY DOCUMENTS!!

this entire time ive a been incurring malicious accelerated rents and interest which was paid by the PHFA grant and now I still have no remedy from the hardship I've received at the hands of this predatory company with its sloppy paper handling and mishandling of deadlines and out right LIES.

The accelerated rents are malicious because had my paperwork not been lost like I stated OVER AND OVER AGAIN in NUMEROUS other cfpb complaints I wouldn't wouldn't have needed a grant I would have complied with mr coopers modification requirements my bill was XXXX a month .... now my bill is like XXXX are you insane!!! you are CROOKS
Product: Checking or savings account

On or about XX/XX/2019, I contacted US Bank to report 17 unauthorized charges made to my checking account using my debit card ending in XXXX. US Bank issued provisional credit to my account on XX/XX/2019 in the amount of {$4200.00}, inclusive of any fees associated with the fraudulent charges. Claim number XXXX was opened. I timely returned the affidavit of fraudulent charges and patiently awaited resolution of my claim. On or about XX/XX/2019, I received two letter from US Bank dated XX/XX/XXXX, and XX/XX/XXXX, indicating that US Bank has found in favor of the merchant and that they would be reapplying the fraudulent transactions to my account. I was shocked and surprised to see that US Bank is requiring me to pay for fraudulent transactions which I did not authorize nor did I receive benefit from. US Bank proudly displays its Zero Fraud Liability guarantee but it appears that it nothing more than a farce. US Bank has flouted federal law by forcing me to pay nearly {$4000.00} in charges which I did not make. My follow up calls to US Banks Fraud Department, Office of the President, and US Bank General Counsel XXXX XXXX has of of the date of this complaint yielded not results. 

I am considering filing a small claims action to redress my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Mortgage

THIS ACCOUNT WAS PAID IN FULL IN XX/XX/2017 AND MR. COOPER FILED A RESCISSION OF SATISFACTION MEANING THEY CANCELLED THE SATISFACTION. I NEED THE SATISFACTION RECORDED AND A LETTER STATING THE ACCOUNT WAS PAID IN FULL. rescission means the revocation, cancellation, or repeal of a law, order, or agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through XXXX XXXX XXXX, that went delinquent in XXXX of XXXX. In XXXX of XXXX, it was charged off. 

However, on my Experian credit report - XXXX XXXX XXXX  is providing wrong information. They are reporting that the Date of First Delinquency was on XX/XX/XXXX. That is incorrect! The last time I ever paid was in XX/XX/XXXX. It was charged off in XX/XX/XXXX after being more then 120 days late. 

Because of the INACCURATE information reported by XXXX XXXX XXXX, Experian is not able to remove my negative credit history, even though it has been more then 7.5 years. 

I have tried to dispute this information with Experian multiple times, but they are saying that XXXX XXXX XXXX  is reporting the above INACCURATE information. 

I have tried to contact XXXX XXXX XXXX, however they simply do not pick up the phones.
Product: Credit reporting or other personal consumer reports

I have asked for my credit report- Never received I have asked for my credit score- Never received and told me I had to pay for it I have asked for all data national credit systems provided them about me- Never received it I have disputed national credit system collections based on fraud and lack of validation along with providing them an FTC identity theft reference complaint and complaint number- I still have not removed this collection even though it was based in fraud, no validation was provided to me, no credit report was provided to me, no credit score was provided to me, no data that the national credit system provided TransUnion was provided to me either TransUnion could not tell me what was provided to them by XXXX XXXX XXXXXXXX XXXX 

All evidence was sent certified mail with return receipt that was signed by all parties from XXXX XXXX XXXX and transunion. This is not a duplicate complaint this is the last step I will be taking before I file a lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XX/XX/year> TransUnion Dispute Department RE : Unauthorized Credit Inquiries/ Non-Permissible Reporting Violations Dear TransUnion Dispute Department, I recently reviewed my credit report and identified inquiries I did not authorize or recognize. I have not applied for any form of credit in the last 18 months, and these inquiries are deeply concerning as I take great care in protecting my credit and personal information. 

The inquiries in question are as follows : XXXX ( Finance/Personal ) Inquiry dated XX/XX/year>XXXX XXXX XXXX XXXX ( Automotive ) Inquiry dated XX/XX/year> Under Section 604 of the Fair Credit Reporting Act ( FCRA ), a credit inquiry must have a permissible purpose, such as my initiation of a credit application. Since I did not apply for any credit or authorize these inquiries, I am formally disputing their presence on my credit report. 

Additionally, Section 604 ( 15 U.S.C. 1681b ) requires documented evidence of permissible purpose or written authorization. I have contacted the companies listed above, and they have failed to provide proof of my consent or any documentation justifying their access to my credit report.

Per Section 611 ( 15 U.S.C. 1681i ), if any information on a credit report is found to be inaccurate, unverifiable, or incomplete during reinvestigation, it must be promptly removed. Since these inquiries can not be verified, I demand their immediate deletion.

Please investigate these disputed inquiries thoroughly and remove them from my credit report. If your investigation can not produce verifiable evidence or permissible purpose for these inquiries, I expect a corrected credit report reflecting their removal.

Thank you for your cooperation in resolving this matter promptly. Please confirm receipt of this letter and keep me informed of the status of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my credit report, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Security, Phone number, and email address. This has been a challenge for me since XXXX. The following are data breaches my personal information has been leaked to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Accounts listed in this report, are unauthorized. My rights are being violated. 
Unauthorized account reporting to my credit file : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Letter mailed to Equifax requesting for them to investigate the accuracy of DEPT OF EDU/XXXX  account listed on report XX/XX/year> Equifax responded via mail indicating that the account information was " verified '' XXXX mailed requesting reinvestigation of account due to inaccuracies. 

XXXXAnother letter mailed to Equifax listing specific inaccuracies and including mismatched reporting across all XXXX credit reports. 

XXXX Information remains unchanged by Equifax
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Money transfer, virtual currency, or money service

I am writing formally express my concerns my concerns regarding Zelles handling of disputes, particularly in light of the recent CFRB 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. This lack of account and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This account appears on my credit report I have no record of this account it is considered a fraudulent account
Product: Debt collection

Today XX/XX/2022 i told them to put me on their do not call list. 

The person on the other line hung up. 

This has happened repeatedly in the past. Ive told them to put me on their XXXX list, they hang up on me without acknowleding it, and the continue to keep calling me from the " Argon Agency ''. 

When I say to put my number on the XXXX list I expect it to be done and I expect the calls to stop. This has not happened
Product: Debt collection

Hunter Warfield Inc has fraudulently reported a debt against me. The false debt is from a 3rd party creditor for {$680.00} but they will not provide any dates nor supporting documentation over this debt and was told I need to prove it is not mine or pay. It's not a real debt, therefore there is nothing for me to reference to show it's not mine and this fraudulent claim has now stopped my mortgage refinance because of the credit drop. Local police have been contacted for ID Fraud against them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.
Product: Credit reporting or other personal consumer reports

Sent certified letters to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/year> to remove unauthorized inquiries and the response from Experian via email is as follows : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/XXXX '' The information was sent by me and authorized by me via certified mail/return request. And Experian refuses to take any action of my requests.
Product: Debt collection

I am writing to dispute a XXXX debt appearing on my credit report from XXXXXXXX XXXX  XXXX being collected by COLLECTECH DIVERSIFIED INC in the amount of {$1000.00}. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), 45 CFR 164.501 and 164.506, medical providers and their agents must protect patients ' private health information. Additionally, under the HITECH Act Section 13405 ( a ), health care providers must honor a patient 's request to restrict disclosure of health information to health plans when the patient pays out of pocket in full. 
This account appearing on my credit report represents a violation of HIPAA privacy rules, as protected health information has been disclosed without proper authorization. I request that this item be immediately removed from my credit report based on these violations. 
Please investigate this matter and remove this account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you have 30 days to verify this information with the original creditor or remove it from my credit report.
Product: Credit card

I have been slowly building my credit score using credit cards and. Discover, one month before they were suppose release my security deposit they close my account, give me no reason, refuse to send out reason, and all I get is it was just business. I am very upset that this would happen
Product: Credit reporting or other personal consumer reports

I mailed Transunion a dispute letter for reporting a fraudulent collection from XXXX XXXX XXXX in the amount of {$17000.00} dated XX/XX/XXXX. Their response was that the information was verified. 
I mailed them a second letter asking them to follow 15 USC 1681 i guidelines and to provide me with a copy of their reinvestigation procedures according to 15 USC 1681 A e. They failed to respond to my request. I mailed them a third letter on XX/XX/XXXX, which they received on XX/XX/XXXX, however they lied with a response letter dated XX/XX/XXXX, but yet they didn't receive my letter until XX/XX/XXXX? I have requested for a copy of the 3 disclosure forms for this to be verified however failed to provide me with this information as well. Pursuant to 15 USC 6802 Transunion must remove this collection off my consumer credit report. 
Transunion is in clear violation of the Fair Credit Reporting Act, and they need to be held accountable for this. They failed to provide me with their reinvestigation procedures and yet are still reporting this negative false inaccurate information on my consumer credit report.