23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have submitted XXXX complaints online regarding my loan repayment payments. I have made XXXX payments in total that should have repaid my loan in full. The amount for the first payment posted is incorrect ( way too low ). The second payment has not been posted, although my bank records show the transaction went through a few months ago. I have attached files showing transactions between my bank and Mohela loan servicing company. 

I have not received a response to the complaints or to the phone conversation I had with a Mohela representative who told me they were opening a case. Also, when I asked the representative if I could get a case number, she responded that there wasn't any and that someone would contact me regarding the situation. This never occurred. 

I suspect that they are preventing the loan from being closed so that they can incur extra interest charges.
Product: Debt collection

I do not know these people or this company. I have never communicated with them. I never received any direct communication from them that I am aware of. 

This is not my debt and it does not belong to me. 

I am requesting a detailed payment history of this alleged debt, the origination date, the assignment contract chain, the first date of delinquency of the alleged debt, the beginning and end dates of this alleged debt as well as proof that this alleged debt is within Maryland 's statute of limitations, amount paid for the alleged debt, the full account number of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these fraudulent charges. Please investigate and remove from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX not my account and I want removal off my credit XXXX XXXX is the amount Account number XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 its customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

At the end of our auto lease, we received a bill from Nissan to collect the personal property tax bill they paid, but it included time after the car lease had been terminated. 

We called several times and repeatedly were told the issue was being investigated and that once it was determined how much we owed, we would receive an updated bill. We never received a bill or any follow-up attempts from Nissan to let us know what we owe and give us an opportunity to pay them. 

Today, I received a collections notice for the amount owed from XXXX. 

After the several follow-up attempts in early XXXX, we followed the guidance provided to wait for the updated bill to arrive, which we never received.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion
Product: Credit reporting or other personal consumer reports

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I am writing to address several concerns I have with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, billing inconsistencies, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX  year, at which point i may request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry occurred on XX/XX/2018 by XXXX XXXX XXXX. This inquiry should be moved immediately.
Product: Debt collection

Several times via Certified Mail to XXXX and XXXX, I requested the Deficiency Notice, which will include the following information : 1. The amount of the debt before the vehicle was resold.

2. The amount the vehicle was sold for.

3. All credits the borrower is entitled to, such as a refund of unearned interest.

4. All costs related to the repossession and sale of the vehicle.

Under Consumer Law, the Lender or third-party collection agency must provide this information to me. The third-party collection agency, Bridgecrest Credit CO , states that the vehicle was resold at auction. However, the information requested is not provided.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX tradeline has been removed from my XXXX credit file following disputes but the tradeline still appears on my XXXX and Experian credit files despite the disputes I've sent to those bureaus as well. The XXXX XXXX XXXX tradeline from XXXX XXXX is for an account that doesn't belong to me. XXXX and Experian have blatantly ignored my disputes and aren't enforcing the Fair Credit Reporting Act.
Product: Credit card or prepaid card

i made a payment for XXXX on the third of XXXX for a hotel purchase and prior to doing so i had a balance of XXXX i check my account that evening and i only had XXXX dollers in my account i called direct express the following morning who rudly informed me that the hotel takes XXXX percent of my balance and holds it until the amount is processed well at this point the XXXX plus XXXX $ was taken out. and XXXX who refused togive me her last name said she was the only XXXX in the direct express call center. ( XXXX ) goes on to tell me my XXXX $ wont be realeased until the third of the next month, when i asked her why .. she rudely screamed at me and said XXXX XXXX XXXX just told u all the i information needless to say a hour after i hung up the phone with this rude XXXX who was confident in telling me my funds wont be put back on my account until the third of the next month i got a alert that my XXXX was back on my account she was incompedent and rude and not very informative
Product: Credit card

The account was charged off and I never received a XXXX form. The account balance is still increasing with late fees and the balance is still showing on my credit report even though its been charged off. Company are still reporting missed payments eventhough the account has been charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account back in 2016 which the creditor agreed to remove from my credit report once i paid the full balance. I have been attempting to resolve this with the three credit bureaus and the creditor, unfortunately till this day they have not remove and it is causing financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a subprime car loan with unfair rates and interest. Car was totaled and XXXX continued to charge me interest and monthly payment. XXXX issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but XXXX is still listed on my report in error.
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. XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

wells fargo says I owe them over XXXX dollars and i did have three account with them but they were consider prepaid account and i was not able to overdraw them but little did i know some how they got overdrawn and now they say i owe over {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and XXXX. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to XXXX to verify this debt per the FCRA. I have also repeatedly asked XXXX to verify this negative information as well, but XXXX claims they have verified this. Obviously XXXX is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Removal of Unverifiable Debt from Credit Report Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of a disputed account from my XXXX credit report. The account in question was a charge-off of {$700.00} from XXXX XXXX XXXX that I disputed, and as of XX/XX/year>, XXXX has completed their investigation and removed the account entirely from my report. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since XXXX has deleted this account due to its unverifiability, I am requesting that you also remove this account from my credit report. The deletion by XXXX indicates that the account is no longer verified, and thus, under Section 607 ( b ) of the FCRA, you are required to ensure that the information you report is accurate and complete. Also Fair Credit Reporting Act ( 15 U.S.C. 1681.

I encourage you to take action within 30 days to remove this unverifiable account from my credit report. Failure to do so may violate the FCRA and could result in legal action. Under Section 616 of the FCRA, I have the right to seek damages if you willfully fail to comply with the law. 
Please confirm the removal of this account in writing, and let me know if you require any further information to assist in this matter. 
Thank you for your prompt attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX Consumer Laws- Fair Credit Reporting Act ( FCRA ) - Section 607 ( b ) - Mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they report.

- Section 616 - Provides consumers the right to sue for damages if a credit reporting agency willfully fails to comply with the FCRA. Make sure to fill in your personal information and the name and address of the credit reporting agency ( CRA ) you are addressing this letter to.
Product: Mortgage

We are doing a short sale since XX/XX/2018 with PHH Mortgage as the mortgage lender. This is an FHA loan and has a HUD partial claim. Now, they denied the short sale because the the homeowner has a Federal Tax Lien. We told him that once we can get the approval letter of the short sale, we can process a discharge of the lien from the property through IRS. 
PHH Mortgage said that according to FHA they will not approve the short sale unless the tax lien is paid in full so the title will be cleared. We told them this is not how it works. Based on FHA loans that we handled before, they just approve the short sale even with the tax lien. I called HUD ad they confirmed that the tax lien should be settled. We were surprised because this is the first time that we heard this matter. The homeowner has financial hardship so she can't pay this lien.
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX has violated my right, And lists of unauthorized 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: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED   Company Inquiries : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided but one month i missed the date by 2 days becuase i never got the bill in the mail which usually served as a reminder for me but t wasn't even enough to be charged a fee but i noticed that i got a 30 day late put on my report. I tried to talk to the agent because initially they told me it wouldn't be reported late. I tried disputing it with the company because I had paid it only a few days late and i was told it wouldn't be a 30 day late but not had success so i thought i would ask you guys for some help hopefully and for them to give an explanation on why its reporting late when i was told it wouldn't be. I appreciate any assistance you can provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for TRANSUNION, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!! 


Account Caine & weiner XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted Velo Law Office and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which Velo Law recieved on XXXX. On XX/XX/XXXX Velo law sent me only a validation of debt letter ( which did not have all correct information ) I again contacted Velo Law on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to Velo Law the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with Velo Law, XXXX XXXX and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint to express my concerns with the handling process of Zelle when it came to disputes, especially with the recent CFPB lawsuit highlighting issues with the Zelle platform. I have used Zelle numerous times and reported discrepancies when they occurred. I truly feel like my institute and Zelle did not adequately investigate my claims at the times I reported them. I was told that recovering the loss funds was impossible and there was no way to track the transactions once complete. I do not feel like Zelle protected me as a consumer and the CFPB findings only confirms that for me.