23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I started using Greenpath services in XX/XX/2016. I spoke with a representative ( XXXX XXXX ), and she went over everything on my credit report and told me they would reach out to each one of my creditors and get an agreed amount that they would pay each month. I informed her that I get paid on the XX/XX/XXXX of each month, and that's when they could take my payments. At no time did she or anyone else tell me that because my husband and I signed on together that they would pay his debts with my payments. My husband had his set amount coming out of the account at a different date. 
I started noticing calls and late payments on all my accounts and I couldn't understand because I was paying, so I thought my creditors had it wrong. A few months later I was still receiving calls, and I decided to give greenpath a call. They informed me that because my husband missed his payment, that my money went to his bills and not mine!!! No one ever informed me that this was happening. They then told me I would need to separate my account from his, which I did. That still has not stopped me from getting all of these late payments on my credit. I'm attaching all documents I signed with them as well as proof of me paying every single month on time. I've never had any late payments on my credit, and now my credit is ruined. My good credit is needed to keep my security clearance at work and I explained all of this before I started with them. Greenpath really needs to fix this mistake and remove any late payments on my credit reports from XX/XX/2016 to current. I'm in no way at fault for my credit being ruined, and this has affected me tremendously.
Product: Debt collection

I have no knowledge of this debt and it just showed up on my credit report
Product: Debt collection

My car lease agreement ended with GM Financial and returned vehicle on perfect conditions to the dealer on XX/XX/XXXX, a few months later I got this letter saying that I own them {$1200.00} on fees, taxes and repairs. I purchased on XX/XX/XXXX a excess wear and tear addendum with my lease agreement for {$7500.00}, I wrote them back to get detailed information on what exactly they did to the car if I had the addendum protection and I havent heard from them, this situation affected me by 151 point on my credit score already. Also I summited a dispute with XXXX.
Product: Debt collection

Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Social Security Number ] ( optional, last four digits ) [ Date of Birth ] Credit Collection Services [ Collection Agency Address ] [ City, State, ZIP Code ] Date : [ Insert Todays Date ] Subject : Formal Dispute of Debt Account [ Insert Account Number ] To Whom It May Concern, I am writing this letter to formally dispute the validity of the alleged debt listed under my name and associated with account [ Insert Account Number ]. This dispute is submitted under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

As a consumer, I am requesting that you provide proper validation and verification of this debt. Please provide the following information to ensure compliance with federal laws : 1. A copy of the original signed contract or agreement between myself and the original creditor ( XXXX XXXX ). 


2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that your agency is legally authorized to collect this debt on behalf of the original creditor.

4. Documentation proving that I have a contractual obligation with Credit Collection Services for this alleged debt. 



Please ensure that any verification documents you provide include firsthand knowledge of the matter and are duly notarized, as required. 

Additionally, I am requesting that you immediately cease all collection activities related to this account until this debt is validated. This includes any reporting to credit reporting agencies such as XXXX, XXXX, and XXXX. 

I would also like to note the following : I have not granted permission to communicate with me through unauthorized means. 

I have not authorized the release or sharing of my personal information with any third party. 


Failure to comply with these requests may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please respond to this letter with the requested documentation within 30 days of receipt. I expect your response to confirm or refute the validity of this debt.

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX told all XXXX credit reporting agencies to zero out the balance yet all 3 keeps coming back as verify by citi bank that the balance is correct here is 2 letter from them stating they told them to zero the balance now its time to delete
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022, someone accessed my card to send themselves {$1500.00} and {$2400.00}. When i opened the dispute, the agent who helped me messed up and opened the dispute as non-fraud and put that i was scammed. that was not the case. i was even shipped a new debit card with same debit card number as the compromised card, but different expiration date. i called again and was given a brand new card number. another agent opened the case as fraud for me, but again was denied and i was given the reason to " handle the transaction with XXXX  ''. There was no transaction involved that i authorized. nothing here was authorized. I have appealed the case multiple times already thru email and fax, and have called multiple times spending hours on the phone waiting. i would just like my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items to be updated or corrected right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a copy of my credit report noticed XXXX XXXX XXXX account listed. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. 

Ive request XXXX XXXX XXXX provide an original contract with my signature, validating the debt. They were NOT able to provide any documentation with my signature because I NEVER agreed to do any business with them. Therefore this alleged debt CAN NOT be Validated. XXXX XXXX XXXX have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. The documentation they provided does NOT have my handwritten signature. For the record, I state again that I have No business affiliation with this company. You have failed to do a proper investigation. Again, I have never agreed to do any business with them. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. Therefore, Im demanding that the following FRAUDULENT items be DELETED from my consumer report/ credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent XXXX dispute letters telling the company Im a victim of the XXXX data breach my personal information was compromised and someone fraudulently opened these accounts in my name. Despite sending police reports proof of residence id social cards they have yet removed this fraudulent accounts from my credit reports. They have yet to send The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using my Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. The informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB finding indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving user vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Experian does not investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit employment and housing
Product: Vehicle loan or lease

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$5400.00}
Product: Debt collection

I never received a debt validation letter. I found out about this via XXXX. They are trying to collect a XXXX debt that was fraudulent originally, as XXXX was supposed to close that account after my last payment, but continued to leave the account open and charging until I suspended it myself.
Product: Bank account or service

I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.
Product: Money transfer, virtual currency, or money service

XX/XX/ I sent via wire transfer {$1000.00} from my bank XXXX XXXX XXXX in Michigan to XXXX XXXX XXXX also known as payward ventures inc and they have my money and I have no access to it! They have been asked to refund it and know ignoring all my attempts to contact them. Please help this was my entire social security check. Thank you, sincerely XXXX XXXX XXXX
Product: Checking or savings account

Dear Consumer Finance, I am the victim of banking fraud of Wells Fargo. 

On the morning of XX/XX/2021, I received a call with caller ID Wells Fargo, letting me know that my online bank account got unauthorized transactions and the caller will help get my money back. I believed it really was Wells Fargo. I was on the phone for a long time, going through steps, being put on hold and he promised to get all my money back. While on the phone, I checked my online banking account and showed it got blocked, I was not be able to log in. He said he will work on my case and will call me back. I trust that he was from Wells Fargo and did not get suspicious. 


Later that day I called Wells Fargo Fraud to check my account, they said they never call me. Then I knew I was a victim of banking fraud. I even went to the bank location, they said they can not help. I called Wells Fargo Fraud several times and every time they said they are working on my case. 

I received Wells Fargo letter stating that they can not reimburse and have closed my claim. I did not authorize anyone to use my account. I am a victim of banking fraud of Wells Fargo. The fraudulent transactions are covered by Regulation E, and as a consumer, I should be getting my refunds back. 

I am very XXXX. I do not know who can help me. I am old and already retired. That is all the money I have saved up. Due to the pandemic and my deteriorating health, I can not go to work. Please help open up my claim and help getting my money back.
Product: Debt collection

I have paid off the debt to XXXX and it was sent to collections to Solomon and Solomon pc which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names XXXX had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report
Product: Debt collection

XX/XX/2020 {$43.00} This collection agency is reporting on my credit report fraudulently and is assumed to be as a result of communication abuse and fraud. According to 15 usc 1692g I am requesting a copy of any document bearing my signature with blue ink stating that I agree to pay any debt. I do not know where this account came from nor do I validate it. It is not valid and is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Mortgage

after XX/XX/2022 we started experiencing loss of income and trying to work out some arrangements with wells fargo our home lender, as of XX/XX/2022 they would not offer any help at all. i am XXXX and i make 1000 dollars less a month then i normally did, I am still working fulltime because i can not afford to stop working,,, my wife is XXXX and on XXXX and only collects XXXX payment once a month.. the only contact we have had is thru phone contact only. I have never missed a payment until XX/XX/2022 and they kept stalling and putting us further behind in contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX. It had been brought to my attention that someone had not only pulled my credit with a company called XXXX XXXX they also have opened a fraudulent account that I have not authorized that was opened on XXXX XXXX. I did not give any permission for an account to be opened under my name this is so stressful and scary. The account name is XXXX XXXX and it was opened on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello there were a fe account on my credit report that I submitted and investigation for and they fell off my credit report. They appeared on my report again without any notice. According to section 611 of the FCRA 'the information may to be reinserted in the file by the consumer reporting agencies unless the person who in furnishing the information certifies the information is complete and accurate ' The FCRA also states 'consumer agencies shall notify the consume of the reinsertion in writing not later than 5 business days after reinsertion I have listed the accounts they reinserted below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My information was illegally bought and sold because of the Equifax Data Breach. I now have two default judgements against me and this companies illegal actions has cause me to not be able to get loans and my credit is ruined and because of these defaults my banks accounts are drained and I can not work. I filed a complaint with you a few days ago and Equifax has irresponsibly " checked with the creditors '' and of course the creditors say oh yeah, you work for us so keep this illegal activity on his report because we want him and his kid to starve and be homeless so we can further get rich. 

I want all of the negative marks and illegal hits on my credit removed immediately and they are not doing so. Please help me so I can have a normal life like those who have not been illegally violated by equifax and predatory scam artists who buy junk debt that I didnt even know I have. I have more lawsuits coming up and I need help because equifax was irresponsible.
Product: Money transfer, virtual currency, or money service

I have been a PayPal customer for over 20 years. Over the past year or so, I have been getting more security verifications when logging in than ever before - nearly every time. There have always been multiple options, some of which involve texting, which I do not have access to as I only have a landline phone. Over this period, I notified PayPal multiple times that the phone number they list as a mobile number is not, in fact, a mobile number. Up until the last few days, there was always an option I had access to such as verifying a credit card number on the account, or an e-mail verification. Just a few days ago, there were only two options, both texting-related. I called PayPal and explained the situation. The person I spoke to asked many nonsense questions about e-mail address, home addresses, businesses, people, etc., none of which I had ever heard of. He was finally able to get me into my account after about 40 minutes on the phone, and told me he would correct my phone number to a landline. After getting off the phone, I got two e-mails, the first saying I removed my phone number, and the second saying I added my phone number as a mobile phone - the exact thing he said he wouldn't do. The next day I was locked out of my account the same way. I called, but was not able to access my account. On this second call, I had the agent put a lock on my account so that no payments could be received for the time being, as I would have no way to deal with the funds or the orders ( this is during the busy holiday shopping season, and I make my living through online sales - thankfully mostly through XXXX where I don't deal with PayPal ). I need ongoing access to my account. I would appreciate less frequent verifications, but at minimum, any verifications I am asked to complete need to be accessible to me with a desktop computer and landline phone only. I am tired of being treated like a criminal due to my choice not to use a cell phone.
Product: Credit card or prepaid card

In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification that there was a change in my credit report. When I logged into both XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed that my credit score decreased by XXXX points, for a decreased balance, on my auto loan with XXXX XXXX. I also received an e-mail from XXXX that on XX/XX/2022, it was advised to them by Transunion that there was a decrease in my score as well. I feel that this is an error that needs to immediately be corrected as it is preventing me from being able to be approved for a home purchase.