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

I sent a certified packet letter to experian on XX/XX/2020. I sent in the packet a experian dispute form, and my dispute letters for inquiries I did not authorize and a XXXX account that needs to be removed because it was sold to XXXX  XXXX XXXX which makes me no longer financially obligated to XXXX since they sold the account to XXXX XXXX XXXX. Unfortunately Experian did not do a proper fully investigation which they are required by law to do. I sent the packet on XX/XX/2020 experian received it on XX/XX/2020 they had results back and ready XXXX XXXX just for experian to not give no updates on the inquiries I disputed or correct XXXX  dispute experian basically sent a copy of my credit report without the inquiries included so I dont know what investigation they did because that what my packet was mainly disputing was inquiries and one account.
Product: Mortgage

Wells Fargo loan " specialist '' is asking me to submit an IRS form that was never required when my tax returns were filed. He went so far as to download the forms from the IRS website and instructed me that I have to fill them out or he would not be able to process the application any further. I explained multiple times that he was mistaken and these forms are not part of my return, I even supplied the correct form but he stated it was insufficient. I had provided my entire returns for two years in addition to form XXXX allowing Wells Fargo to request my returns directly from the IRS.
Product: Credit reporting or other personal consumer reports

Today I noticed in my credit report that a fraudulent account were reported in my file. I did not open a XXXX wireless account. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted evidence showing I am not liable for the debts originally being XXXX for {$2000.00} and {$600.00} that was deleted due to fraud back several months ago and now called XXXX XXXX. All other bureaus saw this and deleted and blocked fraudulent item except for Equifax. I just received results stating that the item belongs to me. I am a victim of identity theft and I am stating that this debt does not belong to me. please block and remove from my credit report. I am providing police report and actual XXXX letter from corporate stating I do not have any account with them. if this item is not deleted and blocked I will be seeking legal action against Equifax and XXXX XXXX.
Product: Payday loan

did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. 

We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. 

Until we receive the report, collection procedures will continue and you will be held responsible for the loan. 

If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. 

CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com
Product: Credit reporting or other personal consumer reports

The creditor Fortiva stated that I had a XXXX late payment with them. According to my agreement my payments don't begin until XX/XX/2024. The made this claim on XX/XX/2024. 
I know this to be a false statemen that has had a great impact on my credit. I have a great credit history with making payments and paying on time. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
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 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 the tracking these transactions was unfeasiable.The CFPBs findings indicate that Zelle has 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: Credit reporting or other personal consumer reports

Please CFPB do not cancel this request this is a request from of a consumer to exercise his right : consumer has been attempting to get trade lines removed from credit reports per debt collection policy. If you mark this as duplicate its a violation of consumers rights. 


Complaint as follows for collection agency : National credit adjusters. As per their website : ncaks.com : After Your Account is Paid For those accounts that XXXX credit-reports, our policy is that 60-90 days after the account is satisfied, we request that the credit bureaus delete our tradeline. Before then, you may notice a paid-in-full status 30-45 days after its paid.

I have 2 accounts with them that have been paid and satisfied, Accounts XXXX and XXXX XXXX has not updated account status on above account. Collection agency has failed to update in timely manner consumers credit report for all 3 agencies to reflect payment made and account satisfaction, nor have they made attempts to delete trade line from consumers credit reports. Consumer has reached out via email to XXXX XXXX XXXX informing them of their policy as posted publicly on their website, and any further negative reporting to credit bureaus will be met with legal action
Product: Payday loan, title loan, or personal loan

I am filing a complaint against NET CREDIT as I have tried on numerous occasions to reach someone with authority at this company about the issue at XXXX I had my account set up for automatic withdrawals for payments on my loan, so for a reason I contacted them to change my date, the representative was rude & unpleasant and gave me a hard time, and would not change my date..From that day forward I was not aware that he removed my banking information from my account without my consent or authorization..He had mentioned that I can do the payments my self if he removes my automatic payment..I advised I did not want to do that..Until further later that my account went past due had I realized he removed my banking informationSince then Ive tried to log on & make my payments, in fact it doesnt let me add my account back on nor even make a payment..Ive contacted this company on several occasions to help me with this issue & to no avail they tell me a manager will call me back within 48hrs no one calls backIve also sent emails which I can supply proof if needed again no response, in the meantime they want to report to the credit bureau that Im not paying when in fact I have tried..I need help with this matter as this is jeopardizing my credit..Please also advise them to pull the tape of my phone call with the gentleman, which they will be able to listen to that I never never gave him consent or authorized him to remove my banking information, which is what has caused this whole messThank you
Product: Debt collection

They trying to collect a debt that i don't owe i was involved in accident and submited a cliam and they paid me and substracted the amount i owed from the check therefor i don't know why this debt collector is trying to collect i requested a debt validation letter and was never provided one so they violating my consumer right by still reporting a false information to my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Midland Funding # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I want my XXXX dollars refunded to my Account paypal illegally took it and I XXXX want it back immediately what's it going to take to get an answer????????.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$200.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

XXXX XXXX has persistently refused to provide an accounting of this item, the correct balance, and insurance billing statements that show payments. It is clear they have little or no information and can not reconcile the correct amount owed, if anything. 

This is a XXXX debt. Repeated efforts through Experian, XXXX and XXXX to verify and update this account on my credit file have gone nowhere and they close the dispute without properly investigating it. I know this because each time, XXXX sends me a letter asking for any information I have about the account. This would have to come from the original creditor, the XXXX XXXX XXXX XXXX XXXXXXXX system. 

If XXXX XXXX are reporting to the credit bureaus it is incumbent upon them to have all the facts. They do not, and they continue reporting unverified/unsubstantiated information about me and are simply running out the clock in an attempt to force a recovery of some amount on an old and poorly documented record.
Product: Vehicle loan or lease

I called the redemption department of chase auto finance today and requested relief options. This is due to the " XXXX XXXXXXXX XXXX Collapse, fema disaster code : XXXX Incident Period : XX/XX/2021 and continuing. Declaration Date : XX/XX/2021 ''. My vendors in this area of XXXX are out of service. This XXXX directly is impacting my business and we have no eta of when it will be open. Over 100 people are XXXX  and feared XXXX. There is no eta for when it will be resolved. I requested a 1 month extension today by phone with the redemption department. Please note as stated this has impacted me and please give an extension. Thank you. 

Also, I for some reason am in a " special collections unit '' even though my account is current. The supervisor I spoke with today in the redemption department advised to get out of this department and to receive normal service again I would have to request it in writing or by phone. Yet again, poor service and no callbacks or good service since being assigned to this department.

1 ) Please explain why I am in special collections unit and how I can go back to normal good faith handling?

2 ) Please confirm receipt of the request to skip a payment from the " redemptions department '' who I spoke with. I talked to XXXX  and her supervisor who said they submitted this request today. Please confirm receipt and extension of this.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Tech show an inquire on my credit on XX/XX/2018 but I did not give them permission
Product: Mortgage

Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me. 

My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX   of the XXXX near the back of my XXXX. The condition results in something worse than XXXX   that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber. 

I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Its been over 7 years and all my bankruptcy reporting has been removed except for this  XXXX . This lender was also not a part of my bankruptcy and was paid in full.   XXXX  In chapter  XXXX  bankruptcy  XXXX   XXXX ,  XXXX  Derogatory.  XXXX /2011
Product: Debt collection

Source management is trying to collect on a debt not owed. I sent a response to the first complaint stating my situation was unfortunate, but I signed the contract ; other than being very careless by representing a company that has manipulated a person into a contract is not unfortunate. It's against the law ; furthermore, as I explained, the debt was paid in full two foIds. also, the collection sent two contracts for two different homes. I only own one home, which would make sense and support my statement of being FALSELY charged, the overcharge. it is a sad day when a company knowingly represents the company with such fraudulent business practice, which is a concern in itself, as you are gaining from this fraudulent ACTIVITY, THAT IS WRONG AND MISREPRESENTATION NOT UNFORTUNATE. I don't know owe this debt, you have the contracts so why don't you share the payment history from day one
Product: Credit card

Purchased items on XXXX that I need on XX/XX/2024 and got a message from XXXX XXXX that my debit card was declined because I exceeded a " transaction limit ''. I called Direct Express and spoke to both a customer service person and on XX/XX/2024 to a supervisor. Both could not tell me what my " transaction limit '' was and what I could do to free up my card. The supervisor told me the transaction limit was a " feature '' of my card and I could not request it be removed. He also told me there was nothing I could do or how long the " transaction limit '' hold would apply and when I could expect to use my card again at stores. Both Direct Express customer service person and supervisor suggested I use " an alternative form of payment '' or go to an ATM and withdraw cash as needed. I told them my social security was my only income and the Direct Express card was my only " form of payment ''.
Product: Checking or savings account

In XX/XX/XXXX I received an offer to mail to open XXXX accounts with bonus. They offered to me XXXX bonus accounts XXXX XXXX for checking and XXXX XXXX for Savings. 
They supposed to credit XXXXXXXX XXXX last XX/XX/XXXX according to the conditions. 
I have a Transaction receipt number XXXX that shows the requirements and eligibility for the bonus. I went to the bank a gave all information and never call me back. 
I feel like TD Bank cheat me and mocking every call and every visit. 
I called many times to TD Bank with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time (XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Product: Credit card or prepaid card

My Wells Fargo credit cards was closed on XX/XX/22 due to a delinquent mark. I received a letter which stated this. 

I've investigated the mark with XXXX  XXXX XXXX and it's since been solved. All credit bureau 's have been notified and the mark has been removed. 

I've opened a case with Wells Fargo on the XXXX of XXXX and have been calling back weekly to get an update. I have not been assigned a case manager in the two weeks. Yesterday a woman had told me the card was closed due to inactivity. The card was last used 4 months ago. I submitted a complaint via XXXX   and today I was finally able to be transferred to the " Wells Fargo Executive Credit '' department. XXXX from this department said this was a business decision and the card will not be re-opened. I stated I never received ANY sort of warning, especially if it was for inactivity. My rewards points were stripped and I would not be receiving them. XXXX stated there is nothing more I can do. 

I've had this credit card for 10 years and had ZERO marks in my entire credit history. I believe I'm being unfairly treated and entitled to a case manager to actually investigate.