23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Two weeks ago I received a notification/alert from XXXX XXXX Identity Theft Protection that an account in the amount of XXXX had been opened in my name. I had not opened one so I called them. They verified that an account had been opened by XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX, MA phone number XXXX XXXX XXXX. 

I had no idea what this was about so I called them and they said I owed XXXX. They told me it was due to XXXX XXXX and that it was for my address in XXXX. I said I don't live in XXXX and they told me the address in XXXX. That was my son 's former apartment. He has not lived there in more than XXXX XXXX, but sublet the apartment up until XXXX XXXX XXXX. Apparently the bill was for the final gas bill. When he got the apartment, XXXX XXXX wanted to use my name as he had little credit history. ( I have not seen the bill, so I can only assume that the bill and amount are both correct and that I owed this amount. ) I told XXXX I never received the bill. They told me several copies of the bill had been sent and I asked where ; the bills had been sent to that XXXX address. I explained that no one was at the apartment who could have received it. I told them that I wanted to see the bill ( have not received it yet ), but to resolve this quickly because it went on my credit report, I paid it. 

It is quite disturbing that they would report me to the credit bureaus without trying to contact me at my correct address or call me about it. I learned from XXXX today that my score dropped XXXX points on account of this, as it falls into the very negative category of collections. I was about to apply for a personal loan and this impacts me financially quite severely. I checked with the two other credit bureaus and found similar effects. I have filed disputes with each of the agencies. 

This is unacceptable, predatory behavior and would ask that you investigate XXXX and reprimand them or censure them, or take other appropriate legal action. I am an XXXX ( I do not do consumer finance ), so I will have to see if this will have lasting impact. If this account remains on my credit report, I will strongly consider filing a suit agains XXXX. There is no way a credit report filing should follow on a debt that is not that old and when no one used due diligence to locate me and send me the bill at my correct address.
Product: Mortgage

I HAVE BEEN CONTACTED BY A GENTLEMAN, XXXX, XXXX XXXX ACCENT, PHONE XXXX. CLAIMING TO BE FROM MY MORTGAE COMPANY AND OFFERING ME MODIFICATION. I CONTACTED THE MORTGAGE OFFICE AND THEY HAVE NOT OFFERED THIS TO ME NOR DO I QUALIFY. THIS GUY HAS THE LAST XXXX OF MY SS AND MY ACCT NUMBERS, HE HAS ALSO CONTACTED MY CREDIT UNION FOR THIS SAME THING. I AM HOPING HE WILL REALLY FAX ME HIS PAPERWORK SO I CAN FORWARD ON TO SOMEONE TO TRY TO STOP THIS GUY.
Product: Checking or savings account

On XX/XX/XXXX my account got restricted and without giving me a reason. since i couldn't get access to my money on XX/XX/XXXX I told them to close my account. The account is still restricted I've been calling the bank and sending them messages and no one does anything it's been a month and 2 weeks and all they tell me is that they are investigating and that they will get back to me when they are done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.
Product: Checking or savings account

Wells Fargo checking account payable on death. Owner died XX/XX/XXXX, and beneficiary closed account on XX/XX/XXXX. Was told by branch manager, XXXX XXXX, that recurring treasury direct deposits would be refused and returned to treasury if presented. 
Long after, Wells Fargo " forced open account '' ( their words ) and accepted {$510.00} in interest paid on treasury bills. We started receiving statements and letters stating that the account had a restriction. Upon inquiry we were told would have to go into branch and close out account again. When presented at branch XX/XX/XXXX, was told would have to open an estate to claim funds. Superior Court for XXXX XXXX stated not necessary as payable on death remains payable on death. Wells Fargo Estate Care Team told me on XX/XX/XXXX, that they had " no idea why account was not timely closed and they had definitely screwed up. '' Started getting the run around from branch and Wells Fargo. Finally, had them notarize and submitted power of attorney from beneficiary to me, which Wells Fargo 's " legal '' has rejected because trustee of the owner who is also beneficiary of the account has " no ownership interest in account. '' Asked for refusal and explanation in writing and never received. Two hours on phone just now and NOTHING- they can't even take a complaint ; the complaint department wants to transfer me back to the estate care center who just transferred me to them! 
NOT our problem that Wells Fargo failed to timely close an account. Hold on account needs to be lifted and remaining funds paid to beneficiary as the deceased owner designated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
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 Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX {$7100.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; 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 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 DEPT OF ED 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: Debt collection

15 usc 1681 : Theyve called me several times threatening to sue and have me arrested.. I did not give consent to furnish or obtain any of my information. They told me they have my IP address and that they know I was the person who took out the loan
Product: Credit reporting or other personal consumer reports

Under my lists of addresses, there is an address of XXXX XXXX XXXX XXXX XXXX XXXX 

I have never been to Louisiana and I have no idea what they're doing with my identity and finances. 

All of the other addresses are places where I have lived. But I don't even know anyone who lives in Louisiana. Thank you. I've asked this to be removed over five years ago.
Product: Money transfer, virtual currency, or money service

- [ ] I am wrong to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 infeasible. 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 accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.
Product: Student loan

On XX/XX/XXXX, I submitted a complaint about PHEAA ( FedLoan Servicing ). I noted that they miscalculated my eligible payments for the TEPSLF program. PHEAA responded on XX/XX/XXXX stating " you called your loan servicer, XXXX XXXX XXXX, on XX/XX/XXXX to request an alternative repayment plan. Effective XX/XX/XXXX you began repaying your loans under the XXXX XXXX XXXX XXXX. This continued until XX/XX/XXXX when you requested to change your repayment plan to the Income-Based Repayment ( IBR ) plan with XXXX. '' This information is inaccurate. I was on an alternative repayment plan from XX/XX/XXXX to XX/XX/XXXX. However, I called XXXX XXXX XXXX in XX/XX/XXXX to request a Standard Repayment plan. Starting on XX/XX/XXXX, I was on a Standard Repayment Plan. This continued until XX/XX/XXXX. In XX/XX/XXXX, I requested to change my repayment plan to the Income-Based Repayment plan with XXXX. I have been on the Income-Based Repayment plan since XX/XX/XXXX. 

Therefore, all of the payments that I made from XX/XX/XXXX to present are eligible payments for TEPSLF since I was on a Standard Repayment plan from XXXX XX/XX/XXXX and then an Income-Based Repayment plan from XX/XX/XXXX to present. 

The uploaded documents clearly show that I was on the Standard repayment plan from XX/XX/XXXX to XX/XX/XXXX. I have each letter documenting this from all of the loan servicers that I have had during that time frame. You can see the documentation of a Standard Repayment plan on the second page of each document. 

I have applied for TEPSLF three times in the last two and a half years and have been wrongfully denied each time. It is vital that PHEAA fix this error immediately since this program is temporary and is first-come first serve. Once the funds run out, I will not be able to claim what I am rightly entitled to based on my qualification for the program. I have met all requirements for the program. I have been terribly wronged here and have spend countless hours trying to remedy a problem that should have never occurred. Every time I try to address this with PHEAA they keep giving me more inaccurate information. This is completely unfair and should be addressed immediately. I am entitled to have my loans forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.
Product: Debt collection

Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.
Product: Credit card or prepaid card

I'm with Citibank, N.A XXXX XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX and I have reason to believe that I'm being discriminated upon due to my race, I currently have a credit card with Citibank and my credit card includes banking app options in which I can access my account through my phone inside this app also includes my XXXXXXXX XXXX which is incorrect and has been since I've been a member of Citibank since XXXX. It shows a delinquent account on the app it also shows a XXXX credit score which are both false I never received an increase in credit due to this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX my payment posted and shows complete from my credit union/checking account. However as of today XX/XX/XXXX discover is reporting my balance still as - {$14.00} to each of the 3 major credit bureaus. Initially when I made my credit card payment Discover said they would hold the processing for an additional 8 days without much more explanation so my original payment was made early XXXX. That time has passed for the delayed posting that happened ( after no explanation ) and my payment has been processed and was paid to discover by my credit union. The entire {$110.00} was paid to Discover however they are reflecting my limit as - {$14.00} instead of {$96.00} which is affecting my credit utilization and has a derogatory affect on my credit score which is also affecting my financial wellbeing. Its unlawful for an organization to report inaccurate information to the credit reporting agencies. By Discover reporting my balance as - {$14.00} they are breaking consumer laws in regards to fair and accurate reporting.
Product: Credit card

I cancelled my lost credit card, when the new card arrived I had a charge of {$1700.00}. I disputed the charge and was told because I had did transactions with the merchant before that I would be held accountable for the bill. But if the merchant doesnt have the new card information, how is it that I owe them and why would they allow it to be charged to a missing card
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in an dispute letters to the credit bureau requesting how is they verifying these negative accounts on my report and havent heard back it been more than 35 days
Product: Debt collection

I had a settlement amount for XXXX XXXX XXXX for a Lowes debt. The settlement amount was {$800.00} and I was making at least {$25.00} a month payments. In XX/XX/XXXX, I accidently mailed them a money order for {$20.00} that I had for another creditor and mailed their {$25.00} to the other creditor. In the past I would often make more than the {$25.00} payment. At the time in XX/XX/XXXX, my balance on my settlement would have been {$110.00}. In XX/XX/XXXX, I was called and told I broke my " promise ' and that they settlement was gone and I would now owe {$660.00}. As you can imagine i was extremely upset about this and asked/begged to be placed back on my settlement offer. Since the many people I spoke to were unwilling to assist me in renegotiating my settlement, I quit paying. I understand there has since been a judgment placed on me as of XX/XX/XXXX for the amount of {$730.00}. I know I was wrong to just stop paying but no one was willing to help me get my settlement back after a small {$5.00} error when in the past I had often sent more than the {$25.00} payment required. I would like to have this settled again for the amount of {$110.00} and I will gladly pay this in full immediately to take care of this situation.
Product: Student loan

On XX/XX/23 XXXX sent an email requesting additional information regarding my XXXX XXXX Form. This form was sent to the XXXX last fall. On XX/XX/23 I responded that you are XXXX XXXX ( XXXX denies XXXX even though they share a phone number ). I asked how they obtained the form. The response was " based on the paper application imaged was a fax copy seemed to from my phone # ''. I then asked if the XXXX XXXX Form came from XXXX the XXXX? 

On XX/XX/23 I received an email from XXXX requesting additional information. I responded with the same question " Did the XXXX XXXX XXXX came from XXXX the XXXX? I received a response on XX/XX/23 from XXXX XXXX stating " I could not tell who sent us the application. The servicer listed is XXXX ECSI ''. XXXX XXXX then offered to cancel which I accepted. 

My scanner is not working, I will gladly forward these emails. I believe this incident to be a scam that could potentially cause great harm.
Product: Student loan

My federal student loan servicer, MOHELA, digitally notified me on XX/XX/year> that my income recertification due date to renew my Income-Driven Repayment plan is XX/XX/year> ( only 7 days notice! ) This is the first contact from my servicer about recertifying my income. The digital letter is dated XX/XX/year> ( see attached ), and was posted on their borrower portal on XX/XX/year>. 

This is not in compliance with the XXXX. of XXXX as cited on XXXXXXXX ( see screenshot attached ), which states that my servicer is to reach out to me 3 months beforehand. MOHELA 's own letter states " We are required to notify you that your repayment plan is due to be renewed 95 days prior to the anniversary date of your plan. '' They did not provide notice 95 days prior to the anniversary date. This is not acceptable. 

I called MOHELA on XX/XX/year> in response to this letter. They advised the letter is correct and my due date is XX/XX/year> even though they did not provide adequate notice. 

MOHELA neglected to abide by the timeline for recertifying income per the Dep. of Education.
Product: Debt collection

These accounts are not only reporting as open, also shows past due {$1700.00}, {$3200.00}, and {$1300.00}. I was not properly notified of these fraudulent debts, nor due I claim ownership and debts are not validated. According to the FCRA, I have the right to an accurate credit report. Asked company for an immediate removal and to please remove this account from my report immediately, & provide me w/a copy of my new report showing removal. In addition the collection agency is not licensed to collect debt in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified TransUnion that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the authority to decline or rescind but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX reporting on my consumer report that is fraudulently furnished without my lawful authority. This unauthorized access of my credit report has with forethought and malice cause me to receive substantial harm and damage to my financial reputation as a result of it being furnished on there. This is a violation of the Gram-Leach-Bliley Act. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.