23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter from Nelnet thanking me for applying for a XXXX..This letter is dated XXXX XXXX. Now heres the problem I never applied for anything. This company unbenouced to me automatically did this.pulling it from the holder ( XXXX ) where it was in hardship status The letter goes on to state garnishment threats etc.How is it that this 3rd party company can do this.
Product: Credit reporting or other personal consumer reports

This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX  ). A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX  ) is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.
Product: Credit card or prepaid card

In XXXX of 2017, I applied for ( thought I was applying for ) a credit card. When I filled out the necessary paperwork, I heard back from a representative from American Express right away. She ( the representative ) had informed me that I was approved for the American Express premier awards gold card. It was not adequately explained that I was getting a charge card and NOT a credit card, which is what I had applied for and asked her for. The representative did tell me at the end of our conversation that the card would need to be paid off, but I misunderstood ( again, thinking I was getting a credit card ). I assumed she was telling me it was prudent practice to pay off the card as soon as I received a statement. The cardmember agreement paperwork and the card I received in the mail made no mention of it being a charge card and not a credit card. It was n't until after I had received a few statements that I realized there was no minimum payment option. When I called American Express to inquire about this lack of option, it was only then that a representative explained to me that I actually had a charge card and not a credit card ... and explained the difference to me. I was told that the only way I could change this would be to reapply for another one of their cards. I 'd have to let them use my SSN ( again ) and run another credit check ... which slightly reduces my credit score each time. I was ignorant, but also taken advantage of. I 'm not pleased by this and after I 've made the necessary payments, I will be closing my charge card with American Express and seeking an actual credit card with another company.
Product: Debt collection

As of XXXX XXXX, XXXX, I have called the collection company Which they call themselves a mediation company collecting for XXXX XXXX XXXX they have repeatedly called my employer looking of me. Since XXXX XXXX, XXXX they have called my employer. I have told them since XXXX XXXX, XXXX not to call my employer and have given them my cell number and my mailing address. Today, XXXX XXXX, XXXX I asked them what is there mailing address and they asked me if I am represented by an attorney and I said yes. Then they said my attorney needs to contact them and they would not provide a mailing address that my attorney needs to contact them. I told them they are in violation of the Fair Collection Practices regarding the calls to my employer. Then they hanged up on me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

=============== Account name : XXXX XXXX XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

My debit card was compromised on XX/XX/XXXX for over {$300.00} on XXXX different transactions. I was then promptly charged XXXX overdraft fees. But before those even, I had enough money to cover XXXX transactions on XX/XX/XXXX. I paid a cable bill for {$170.00} online and then made an atm withdrawal for {$60.00} which according to my ledger at home and online I would have had {$9.00} left. The bank charged me XXXX overdraft fees for those XXXX particular transactions when I clearly was not overdrawn. This whole fiasco was unnecessary and has caused this single parent unwanted stress and inability to care for my kids the way I have been able to up until now.
Product: Debt collection

I received a bill from CMRE Financial Services , Inc. about three weeks ago. 

I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter. 

Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof. 

I believe that I have not been treated fairly. Thanks.
Product: Credit reporting or other personal consumer reports

NETCREDITXXXX account # XXXX is in violation of 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Product: Credit reporting or other personal consumer reports

The week of XX/XX/XXXX, I received an alert from XXXX stating : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an inquiry made by XXXX XXXX was added to your credit report. However, I have not applied for a new line of credit, nor did I give any company consent to run my credit neither has my spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  I called and spoke with a representative at experian and advised them to update my personal information as well as my account information. The representative stated to me that I would get a response within 24 to 48 hours the information that I was requesting was for them to update account information such as late payments on my account being that all of my accounts have been paid on time also Experian not properly investigating my consumer dispute despite them having a lawsuit out with the CFPB for the same matter I need this issue resolved as soon as possible. Experian needs to send information verifying the late payment and if they can not do so within 14 days, the late payments need to be updated on my credit profile to paid on time and never late. Because I have gotten back the report and the information had not been updated personal information or the account information.
Product: Debt collection

Back at around 2002 I noticed amount on my card that I didn't recognize, a coworker at the time ( XXXX XXXX ) referred me to a guy ( XXXX XXXX ) that was helping him with something similar. A few days later he show at my home claiming to be affiliated with the XXXX XXXXnd after gaining my trust he left my place with lots of personal information and multiple documents to supposedly help me out. Time went by and I started getting more and more letters of me owning stuff but I after m telling them it wasn't me some will stop. Others didn't but nobody ever took money from me till now. Now I being garnish by a firm Messerli/Kramer and I don't know what to do. 20 % every week for something I didn't do seems terrible. At this time I even canceled XXXX and not looking forward to XXXX. Not sure what to do now?
Product: Debt collection

We moved out of our apartment around XX/XX/XXXX. After moving we recieved a letter in XXXX in the mail that we had a move out balance of XXXX. We were told we had 30 days to contact them to set up an arrangement. The worker XXXX called us repeatedly even though we were told we had a certain time to contact them. We had to get money together because we didn't expect to owe anything more. Because we had paid what we supposedly owed before we left. Plus we just moved i to a house. So our funds were tied up. So My husband got in touch with him because the calls were getting to be too much. Especially when we were getting them thru work hours. We agreed to pay XXXX on the XXXX of the month starting on XX/XX/XXXX. All payments were made on time and in person with cashiers checks. On XX/XX/XXXX my husband went in person to pay our monthly payment. That Sunday we went to the mailbox and saw a collection letter from RENT DEBT AUTOMATED COLLECTIONS from XXXX XXXX XXXX for a total of XXXX dated XX/XX/XXXX. We were confused because we payed as agreed in person and had no idea we were sent to collections. My husband we in person again on XX/XX/XXXX to enquire why when they took our payments and cashed the checks. So they gave him XXXX payment back. They basically lied to the collection co like we didn't pay anything. Also they are risking my pending employment because my clearance depends on my credit being clear of delinquency. We don't mind paying the rental office as before. But I want the collection company collection efforts to stop. My main issue is why cash the payments and give us not one but 3 receipts if the debt was sold. They basically stole our money.
Product: Credit reporting or other personal consumer reports

someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.
Product: Debt collection

Sunrise Credit showed up on my credit report. The report states that I opened an account with them XX/XX/XXXX for a credit loan of {$1500.00}. The report also states that the account is derogatory. I have never heard or opened an account with Sunrise Credit. The account with Sunrise credit, among numerous others, is not mine. It is the result of identity theft.
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 covering lost funds was impossible and that tracking these transactions was infeasible. 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 consumers safety.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against WELLS FARGO, for committing identity theft. I have never given WELLS FARGO permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with WELLS FARGO and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving WELLS FARGO any right to collect on this alleged debt. 
I have never received any documentation requesting validation from WELLS FARGO, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO, continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds. The transactions were authorized. I was charged fees due to lagging posting of charges in ( Credit ) This issue aligns with the CFPB finding against Navy Federal for similar practices when transaction settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request and investigate into my account transactions.
Product: Debt collection

I called Midland Funding and the customer service person stated they sold the debt to another company and that all she could tell me. If Midland Funding sold this to another company then why is it still showing on all three of my reports. This is wrong. How I am supposed to know who has this account that they stated I owned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I was rewarded a {$100.00} gift card from my job and have not been able to use it anywhere online. I called the Amex customer service number on the back of the card about a month ago and the service rep told me I was probably putting in the numbers wrong and to try using it on different online vendors. I've tried over 10 different online vendors and digital wallets and still have not found a way to use the funds in my gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # 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 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: Checking or savings account

A fraudulent charge was made to my account in the amount of {$2000.00}. I contact SOFi and informed them through their online app and alerted them of the transaction and that it was not me who made this transaction and provided a screenshot from the mobile app as well. I was told I would be contacted within 7 to 10 business days but never gotten email so I contacted them and was informed my claim was denied because their system indicates that there was no error. I spoke with a supervisor named XXXX XXXX refused to give last name ) and he gave me the run around saying that an appeal would be filed and insisted on saying that their system shows that proper credentials were used in the transaction, and again I stated that I never made or authorized the transaction.