23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/2018 I phoned Navient, account #XXXX XXXX XXXX loan group #XXXX, and spoke to a representative in order to pay off my loan in full. I wanted the exact amount I owed, on that date, to pay it off. I was given a quote of $XXXX. I paid the amount in full.  order# XXXXSince then, I have received a monthly statement saying I am still being charged interest on this loan. I have called three times and the company is fully aware of the on going issue. But nothing has changed. This is now affecting my credit report and I want the account closed.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle filed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 consumer safety.
Product: Mortgage

I did an authorized short-sale XX/XX/XXXX with the 1st and 2nd lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Bank of America ( BofA ), the 2nd lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. BofA of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, BofA reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Bof A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. BofA failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
Product: Debt collection

I have disputed a collection account showing on my credit report now for more than 3 plus years. The result has always came back as stating the consumer dis agrees from both company and XXXX XXXX and XXXX. 
I have only had 1 XXXX XXXX account and my credit reports state that as well and that the account was paid, never derogatory and closed at Consumers request. Dispute all of my evidence that proves that there is not debt to collect, this debt still lives of {$1000.00}.
Product: Credit card or prepaid card

I opened a XXXX and Banks store credit card on XX/XX/2019. 1st purchase XXXX. Downloaded app and set up online banking to pay bill on XX/XX/XXXX. On XX/XX/XXXX I was notified my payment didn't process, I immediately called and made it over the phone. I asked what the balance was, told my card balance was XXXX. I authorized the payment to bring my account to a XXXX  balance. I was told my payment did not process on XX/XX/XXXX due to an invalid account number. I was told I must have typed incorrect information. I tought the matter was taken care of. On XX/XX/XXXX, I received my online statement showing I had a balance of XXXX. I was changed XXXX for a returned check fee on XX/XX/XXXX, a fact I was never told about when I called on XX/XX/XXXX. I was the charged a late fee on XX/XX/XXXX plus XXXX in interest. How can the charge a fee on top of a fee plus add interest. Had I be told on my phone call on XX/XX/XXXX, I would have taken care of it at that point. I was not told, then charged fee upon fee. In my opinion this is a predatory practice and deceptive. I had to argue with them to waive the late fee and intrest. I paid the one fee of XXXX and closed my account. How can they get away with charging XXXX over a XXXX balance when I only had the account for a month? If they are doing this to me, how many other are they taking advantage of? This is a horrible business practice Also, since my phone app show a XXXX balance, I had no reason to look further into the account. If my balance shows XXXX, then I would be lead to believe I do not owe anything else. Even with a fee of XXXX on my account, my balance still shows XXXX due. I have included screen shots of my transactions plus what my app shows that I have XXXX balance
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of unauthorized inquiry that persists on my credit report. Despite my initial attempt to rectify this matter, the lack of action on your end is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. On XX/XX/XXXX, I Certified Mailed Equifax a copy of my FTC Identity Theft Report, Cover Letter, multiple proof of Identification docs, and a copy of my social security card. They instructed me to do this in order to remove the Fraudulent Auto Loan account ( XXXX acct. ending in XXXX ) and the unauthorized and fraudulent XXXX hard inquiry from XX/XX/XXXX. Upon receiving this, they violated 15 U.S. Code 1681c2 and did not block the account within 4 business days of receiving all of my proof of claim. So I called them to follow up about 2 weeks later, they told me that I had sent them everything they needed in order to remove the fraudulent items- but because of some sort of internal process malfunction, I had them send them the same exact packet AGAIN. I was very frustrated at their lack of ethics, integrity, and sheer violation of my federal rights ( civil liability of {$1000.00} per violation ). I, nonetheless, submitted the same packet to them- both via FAX and via CERTIFIED MAIL. In between the time I talked to them and sent my new info, I also received written PROOF that states they removed my XXXX hard inquiry- yet they did not. FRAUD! The fax arrived successfully on XX/XX/XXXX ( see attached exhibits for proof of this ), and the Certified mail arrived successfully on XXXX ( see attached exhibits for proof of return receipt ). Yet again, Equifax violated me and did not reach out, or make any corrections to my consumer credit reporting statement. So I called them AGAIN last week, and was told that they did NOT receive my fax, nor did they receive my CERTIFIED MAIL... Yet I have receipts of everything that I have stated today! I am ready to take serious legal action against Equifax at this point- as I have been violated under 15 U.S. Code 1681c2, 1692k, 1681b and more. None of my consumer information is even allowed to be publically furnished by Equifax without my express written permission- which I never consented to! I AM BEING VIOLATED AS A FEDERALLY PROTECTED CONSUMER!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX   XXXX XXXX XX/XX/XXXX 11 ) XXXX  XX/XX/XXXX Equifax Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX  XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX   XX/XX/XXXX 6 ) XXXX XXXX   XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX  XXXX, XXXX. XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Product: Checking or savings account

Someone used my identity to open a savings account at Marcus by Goldman Sachs bank. They opened it on XX/XX/year> and deposited {$1.00} into it. I found out because I got a statement letter in the mail. I called Marcus bank immediately and spoke to XXXX different people who were extremely unhelpful and would not give me any information about how someone opened the account or what information was used to verify my identity. They told me they would not give me any information unless I send them in the mail a police report, FTC report, and written request for information. They clearly lack competency and rigorous standards for preventing identity theft. I asked them to close my account immediately. I am extremely dissatisfied with the way they handle fraud and the lenient standards they keep for allowing people to open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting Agency that i have been fighting with XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to cmtauntondc Experian somehow got a hold of my bankruptcy report and put back items on my credit report even though they were done away with thru bankruptcy and have not appeared since the bankruptcy i had a good credit score until they got involved now my credit reports are bad. they also had incorrect info on my report that is why i started this whole process. they are the only one that had my credit info for the so called free report that i canceled yet i just went into my bank account and it had been hit for XXXX by a company called score sense but i know it has something to do with Experian because they were the only ones that had that info i called score sense told them i had canceled and was told it may take a day or so if they decide to credit it back and gave me a confirmation number.. What can i do about this i did a credit lock but they were still able to put these things on my report. my name is XXXX XXXX XXXX XXXX i filed in 2015 after i got very sick and evently had to leave my employer and go on XXXX  i am XXXX had XXXX twice may have it again because of XXXX  and Dr etc i do not yet know because of all that stress and now this what can i do please help me i need some clear legal help.this is just the latest info i contacted XXXX XXXX explained that there had been a break in one XXXX  that wiped out my accounts last year and added accounts that should not be there i have worked really hard to improve my credit the only thing i have out there that is mine is my car loan with around {$6000.00}. that is it
Product: Credit reporting

I need your assistance in helping me to get several accounts reporting on my credit file from Unknown removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified Equifax of this along with Unknown. However, Unknown has reported to Equifax that these accounts have been verified.
Product: Mortgage

I believe that my late father 's home was foreclosed on illegally. After reading that Specialized Loan Services LLC was in violation of Foreclosure rights I would like to have my late father 's file evaluated for foreclosure violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my credit report. I have no knowledge of these inquiries. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Product: Debt collection

Dear Wayfair and XXXX XXXX, I appreciate your prompt response to my debt validation letter dated XX/XX/, and I have carefully reviewed the information provided. However, there remain critical concerns that need to be addressed, and I believe it is in the best interest of both parties to reach an equitable resolution. 

1. **Lack of Contractual Obligation : ** The absence of the requested contract specifying my obligation to pay the alleged debt raises concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). To facilitate a fair resolution, I propose the deletion of this debt from my credit report.

2. **Possible Debt Cancellation : ** The potential cancellation of the debt via 1099c, as suggested by Wayfair 's language, raises questions about the validity of continued collection attempts. In light of this, and to ensure compliance with the FDCPA, I kindly request that Wayfair cease all debt collection efforts related to this account. 

3. **Applicability of the FDCPA : ** While Wayfair asserted that the FDCPA does not apply to them as the original creditor, it is essential to recognize that a debt collector, as defined by the FDCPA 803 ( 6 ), includes anyone attempting to collect a debt. Acknowledging this, and to avoid any legal complexities, I suggest removing the debt from my credit report. 

4. **Georgia State Laws : ** To further ensure compliance with Georgia s

tate law ( O.C.G.A. 7-3-15 ), which mandates that debt collectors must be licensed, I request evidence of Wayfair 's compliance.

5. **Void Agreement : ** Given the lack of disclosure of important details about the agreement and my inability to understand the terms fully, I assert that any agreement we may have is now void. This is due to my reasonable expectation that all pertinent details would be transparently communicated. As such, I propose that Wayfair acknowledges the nullification of any agreement related to this alleged debt. 

In light of the above, and to foster an amicable resolution, I propose that Wayfair promptly removes the alleged debt from my credit report, ceases all debt collection attempts related to this account, and acknowledges the void status of any prior agreement. This approach will not only mitigate any potential legal complications but also save both parties the time and expense associated with protracted legal proceedings. 

I believe this course of action is fair and reasonable and trust that Wayfair will consider this proposal seriously. I anticipate your timely response confirming the implementation of these measures. 

Please enjoy your holiday.
Product: Checking or savings account

I opened my account # XXXX at HSBC on XX/XX/XXXX with the following promotion, " Receive {$350.00} bonus when you open a new HSBC Advance checking account online by XX/XX/XXXX and deposit {$10000.00} in new money within 30 days of account opening. Maintain this balance for 90 calendar days from the date you deposited the funds. Bonus will be deposited approximately 8 weeks after completing all qualifying activities. Consumers who held any HSBC consumer account from XX/XX/XXXX through XX/XX/XXXX are not eligible. '' I didn't have any checking account nor credit card during anytime ( even one day ) falling into that period, from XX/XX/XXXX to XX/XX/XXXX. 

I've closed my previous checking account with HSBC ( account # XXXX ) on XX/XX/XXXX. 

Since I've closed my account in XX/XX/XXXX and 12 months have passed after I closed my previous account, I was eligible for this promotional bonus. 

I have met all the terms of this promotion, but after not receiving any bonus, I have raised a case # XXXX with a chat representative named XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I have received a response from HSBC bank stating that, " the customer had a past relationship with HSBC in the last 1 year of campaign start date ''. 

This is incorrect. My past relationship with HSBC ended on XX/XX/XXXX when I closed my previous checking account. No other relationship existed with HSBC in the last 1 year before opening my account.
Product: Mortgage

On XX/XX/2014 my signature was used to generate a tendered, refused & discharged financial transaction via PROMISSORY NOTE as cash proceeds towards the purchase of real property XXXX XXXX XXXX XXXX XXXX Arkansas XXXX, however instead of the PROMISSORY NOTE being applied to the originator of the loan, the originator payed it forward to XXXX XXXX. Foreclosure is fraud because the MBS can not be registered to perfect a secured claim as collateral. ARTICLE 8 UCC.. The MBS, if registered, would prove lender fraud. Im requesting a TILA REGULATION Z, 1099OID & OMB_FR2046,2049 & 2099 from lender and parties allonged to the DTC doing business as CEDE & CO. If the entities wanted to do right by the American borrower & those Citizens abroad then those Lenders/Bankers could have shared from derivatives yielding from the MBS & PROMISSORY NOTES. 
THIS IS FRAUD, FRAUD, FRAUD!!!!!!

Under ARTICLE 9 UCC, the MBS is defined, but NEVER EVER DO YOU FIND A REGISTRAR REFLECTING A SECURED CLAIM AGAINST A MORTGAGE BACKED SECURITY. Tell those FEDERAL RESEVE BOARD OF GOVERNORS TO TURN GREEN & COME CLEAN OR DECOLONIZE NOW, NOT TOMORROW, NOT A MONTH FROM NOW, RIGHT NOW TODAY! Ty please..