23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint involves a Parent PLUS loan that was currently held by XXXXXXXX XXXX  and serviced by XXXX XXXX. 
In XX/XX/2022, I refinanced this loan through MEFA, with loan servicing by XXXX. 
On XX/XX/2022 I received written notification from MEFA that it had disbursed the full payoff amount of {$62000.00} to XXXX on that date. 
As of XX/XX/2022, XXXX XXXX has not credited that payment to my account, and has indicated by telephone that it has no record of the payment that MEFA claims to have made.

I have called MEFA 's customer service phone number ( XXXX ) five times : XXXX XXXX ( approx ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX On each occasion, I explained the issue to the customer service rep, who has promised that the issue would be looked into and that someone would call me back. 
On the XXXX XXXX call, the customer service rep told me that MEFA would make direct contact with XXXX to track down the missing money. I have been unable to confirm whether that attempt was ever made. The only time MEFA has ever kept its promise to return a phone call was to verify my account number with XXXX after my initial call. Since then, MEFA has been non responsive. 
I have asked MEFA to provide me with the identifying information about the electronic payment it claims to have made, so I can attempt to track it down myself. They have been non-responsive to this request, too. 
As of XX/XX/XXXX, I have had to make two separate payments on the loan - one to XXXX and one to MEFA- to avoid late charges and a negative impact on my credit report. I'm not able to sustain making double payments. MEFA has put me in a vulnerable financial position by its own negligence and unresponsive customer service ; and it has failed to uphold its part of the loan agreement because there is no evidence it has ever paid the previous lender.
Product: Debt collection

I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the listed inquiry. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In a series of requests and CFPB complaints, I explained Discover that, unless they will reinstall my credit limit, which they had cut by around {$8000.00} for no reason, there would be no more payments on that and other useless credit cards, They did close my account, but immediately began bombarding me with demands of payments and all sorts of offers, ATTACHED IS MY LAST REPLY TO DISCOVER, STATING AGAIN THAT I DO NOT PAY, NOR AM FINANCIALLY RESPONSIBLE FOR ANY CREDIT CARDS WHICH HAD BEEN USELESS TO ME, THAT THEY MUST IMMEDIATELY CEASE AND DESIST, AND THAT FOR AS LONG AS THEY DO NOT CUT CREDIT LIMIT ON MY XXXX DISCOVER CREDIT CARD, i WILL REMAIN FINANCIALLY RESPONSIBLE FOR IT, By now, the only useful credit card i hae with its original low credit limit of {$2000.00}
Product: Checking or savings account

BB & T and they say it will not happen until XX/XX/24! Have untrained workers when you get someone on line to transfer you over and over again? Have cashed checks I reported and filed and notarized papers. So many times teller checks, wire checks same with XXXX XXXX that I have to call again. Sent to a scammer called XXXX XXXX aka XXXX  aka XXXX. lives at XXXX XXXX XXXX XXXX , IN XXXX. XXXX notified, I found this is not a Realtor! And a XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. Cashed by these people and sent to a XXXX XXXX there is so much more. Amts : XXXX XXXX XXXX. This is my retirement money! Also left by deceased father. Help I have reported to all agencies, FTC, FDIC, Inspector General, DOJ, FBI- Ic3.org Now, I am receiving death threats by this XXXX XXXX that lives in XXXX XXXX XXXX XXXX XXXX CA. I have a address of XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX, Ca. XXXX and XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

Capital One notified me by email on XX/XX/2022 that my new XXXX checking account had been opened. I did not open an account, and I do not do business with Capital One. 

I called Capital One XX/XX/2022 and was connected with their fraud department. They said that they would close the account. I asked for the date that the account had been opened so that I could file a police report. They told me that I had to file a police report first and call them back with the number before they could give me any information about the account. On XX/XX/2022 I received a Capital One debit card in the mail for this account. 

They have not closed the account and keep sending me emails telling me to make a deposit. 
I did not authorize Capital One to open a checking account in my name.
Product: Consumer Loan

I ran into problems paying them back and worked out an installment agreement. I requested ( XXXX ) times verbally for them to cease and desist from all attempts to call me because they kept calling me at work. I asked them to stop calling me at work but they continued to call.
Product: Credit reporting or other personal consumer reports

I found a fraudulent hard inquiry on my XXXX Credit file Credit Inquiry name : CAPITAL ONE Date of inquiry : XXXX Please remove this from my credit file
Product: Credit reporting or other personal consumer reports

I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXXXXXX
Product: Debt collection

I complained to the CFPB regarding the Enhanced Recovery Corporation ( a collection agency ) and XXXX ( a cellphone company ) in XXXX of XXXX ( see case # XXXX ), because Enhanced Recovery was trying to collect a debt ( on behalf of XXXX XXXX that did not belong to me. In fact, the debt holder 's address and date of birth were different from mine ... the debt holder only shared my first and last name. Thankfully, this case was resolved successfully in XXXX of XXXX, with Enhanced Recovery admitting that my name was flagged due to " matching names '' and that I was not the debt holder ( see the response of Enhanced Recovery at that time ). Because the collection was removed from my credit accounts in XXXX of XXXX, I thought the case was over. However, I received a letter from ERC on XXXX XXXX, XXXX about another XXXX debt for another person who shared my first and last name, but lives in XXXX, GA and who established a debt with XXXX in XXXX XXXX. ERC also states that they do not have a current date of birth or social security number for this debt holder. I have never lived outside of the state of NC, and do not have an account with XXXX. To be clear, ERC is again trying to collect money from me for the debt account of someone who shares my first and last name, but nothing else ( i.e., ERC has different demographic information and no SS number for this person ).
Product: Checking or savings account

On the XXXX of XXXX, I lost my credit card in XXXX XXXX, Nevada. I did not realize that this was the case until WellsFargo contacted me notifying me of potentially fraudulent activity. I looked, and yes, it was. In fact, XXXX XXXX  had been trying to charge my card over and over. I closed card, and ordered a new one. I filed a claim, and this involved being on the phone for long amounts of time on hold, a rude customer service rep questioning me like I'm a criminal, and being placed on hold indefinitely. I received a letter in the mail saying my claim was denied because I " did not provide information '' despite wasting hours of my life providing the same info over and over. Now I am on hold again because XXXX the customer service rep has told me that this charge for a cleaning service was legit, and I'm being transferred yet again. 

Manager : " XXXX '' says " hard denial '' of claim despite the ridiculousness of it. I have no reason to charge for a cleaning service on vacation. Especially after the bank itself flagged it.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My father died in XXXX of XXXX, Wells Fargo refused to even acknowledge his death or acknowledge any beneficiaries that may have been on the account without a court order. Upon receiving the court order, I sent the required paperwork needed to close the checking account containing $ XXXX to the address listed on their website with tracking. It was received XX/XX/XXXX and I still have not received funds from my father 's estate despite contacting them multiple times and escalating the situation to a supervisor who assured me that all of the paperwork was in good order and it would be finalized NO LATER than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax. I received a copy of my Equifax credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( XXXX ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX 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 XXXXXX/XX/XXXX ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within XXXX business days. 
In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1. 
I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., XXXX days ]. 
Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4100.00} BANKCRUPTCY XXXX XXXX XXXX XXXX XXXX {$00.00}
Product: Debt collection

Midland Credit Management has called me repeatedly, all times of the day, and weekends. I have asked Midland Credit Management to stop calling me but they continued to call from private and unknown numbers. I arrived home XX/XX/2023 and found a XXXX envelope on my porch and the contents contained information from Midland Credit Management threating to sue me. Prior to the delivered package, I have asked for Midland credit Management to send me a contract between them and myself; including my wet-ink signature. But they have yet to provide me the information.
Product: Credit card

in XXXX  XXXX i have paid late payment around XXXX XXXX  yearly subscription fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with the FTC report # XXXX & XXXX. This is my 2nd letter that I am a victim of incorrect credit report information and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an incorrect credit report information : 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 Transunion 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 XXXXXX/XX/XXXX. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an incorrect credit report information ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding Zelle 's handling of disputes formally, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and 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: Credit reporting, credit repair services, or other personal consumer reports

writing to delete the following inaccurate, contradictory information in my file.. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated as you are going breaking multiple laws. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting

There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated
Product: Credit reporting or other personal consumer reports

I see that the listed companies, XXXX and Transunion has not responded to my initial dispute of these unauthorized inquiries. Because of this, the dispute must be valid. They have not complied with the FCRA when it comes to responding to my dispute. I demanded that they remove the inaccurate inquiries but they still have not responded after several months. 


TRANSUNION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Chapter XXXX Bankruptcy U.S. Bankruptcy Court XXXX XXXX Chapter XXXX Bankruptcy Federal # XXXX Chapter XXXX Bankruptcy US BKPT CT XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX