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

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A  ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BKPT CT OH XXXX  All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Product: Money transfer, virtual currency, or money service

Good day maam/sir, I am writing this letter to Complaint The Paypal Company Regarding my wallet account that they are permanently banned my wallet.I can't recieved and send money anymore. I wonder what violation i committed since all my transactions were came from my XXXX client.

I received email came from them like this Specifically, unapproved activities involving gambling, gaming and/or other activity with an entry fee and a prize. This includes, but isn't limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lottery tickets, games of skill, sweepstakes, and other ventures that facilitate gambling.

I never do that since i am a XXXX

May be they were mistaken of this action that they've done. 
I have balance in my paypal wallet worth XXXXXXXX XXXX XXXX came from my clients. 

Hopefully I receive nice feedback of this letter. 
Thank u and godbless.
Product: Student loan

I submitted my IDR plan renewal to Nelnet via studentaid.gov in late XXXX as usual. The application has been " in process '' by Nelnet since. They have sent emails regularly informing me that it is in process and my loans are in forbearance until then. I also received emails telling me the application would not be processed until XX/XX/2025! 

I've struggled to get in touch with Nelnet. Hold times range from 2-5 hours even calling first the in the morning. The one time I got through, back in XXXX, the agent did not know any answers to even basic questions ( ie : information about different repayment plans ). I asked if this forbearance would negatively affect my track record of repayments and renewals ( as you need to be consistent to qualify for forgiveness after several years of repayment ) and I was told it would not. I wasn't confident in the agent 's response given that they didn't know answers to any other questions about the plans and hadn't even heard of others ( such as the SAVE program ) and so I asked if I could have this sent to me in writing. I was told that they would. However, to this day, I have not received any such correspondence. 

I am not able to wait on hold for over 2 hours hoping to get through to someone who may or may not be able to help me- it is entirely unrealistic short of calling out of work for that day to do so and losing the desperately needed wages to pay back these loans. They do not have any callback feature to mitigate this. 

Additionally, now I need to update my IDR repayment plan application due to a change in income and will submit a new app via studentaid.gov -- - however, with the prior application still in process with Nelnet I am concerned with how this will disrupt things. 

I have no confidence in this company managing my student loans ( over $ XXXX ). I am hearing from others who are having significant issues with their payments being mismanaged or double-drawn -- - and again being left with nearly no way to get in touch with Nelnet for reconciliation. 

Please help.
Product: Checking or savings account

At XXXX XXXX  on Friday XX/XX/2023 I received several emails from Bank of America, asking me to verify my email, stating that my online application is in progress for a SafeBalance Banking account and then another email that it was approved. 
The confirmation number for this account is : XXXX. 

I called Bank of American at XXXX on Friday XX/XX/2023 and spoke with XXXX from the Fraud Department and explained everything to her. 
I told that I received these emails about an account opening, stated that email had my maiden name and not my married name. 
I then provided her with my address and full name. She confirmed that there is no account under my name. I did tell that I have a Bank of America Credit Card ( which I hold with my husband. My husband had opened it and later added me to the credit card account )
Product: Credit reporting

I was contacted by XXXX XXXX XXXX with a threat to sue me if I did not settle a XXXX XXXX account. Out of fear I paid the XXXX dollars and thought I was settled. They then notified me that I had a second account and that was with the attorney and being prepared to be a lawsuit. I was confused as I clearly remembered closing my XXXX XXXX account after having it stolen on a trip back in XXXX. 

I pulled my credit report and saw XXXX report for XXXX XXXX. It states closed XXXX and Paid or paying as agreed. It also states " card lost or stolen ''. The dates did not match the XXXX dates that XXXX XXXX reported, nor did it match the amount of that card. I called TransUnion and disputed this. I was told over the phone that it did not match and I should dispute the information. I did and have waited. I checked today ( was given no notice it was completed ) and it came back as verified and they also changed the XXXX settled account to having a balance of XXXX. 

I called TransUnion and have been on the phone for over an hour. They are asking me to verify that the accounts are not mine. I believe it is clear they are not mine as if I did have XXXX XXXX XXXX accounts in XXXX they would certainly show on my credit report. I have spoken with XXXX people who continue to question me about who owns this account. How can I possibly answer that? 

XXXX XXXX is also showing on my XXXX and XXXX accounts. Again, this is all with different dates and balances. The only XXXX XXXX account I have ended as " paid or paying as agreed '' in XXXX XXXX. I want the XXXX XXXX accounts deleted off of each XXXX of my credit reports as they are not accurate at all. I want the threats and the contact from XXXX XXXX to stop as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was advised to cancel online application and delete my info entirely.

CCPA submitted, XXXX, FDIC, Certified letter and still they opened and Ignored every contact to include documented cease and desist which they have repeatedly violated. 

They reported this fraudulent account to CRAs costing me thousands and countless hours of lost time for which i intend to seek damages for if left unresolved. 

I paid their whopping {$100.00} requested as my attempts to resolve amicably have been undermined at every turn and I never want to hear from this company again
Product: Credit reporting or other personal consumer reports

I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transunion, XXXX, XXXX ) You ( XXXX XXXX ... Account XXXX ) have furnished this account as a charge off/collection you are in violation of the Fair Credit Reporting Act 15 USC 1681. 
( Transunion, XXXX, XXXX ) I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I report the theft of my identity to the federal trade comisin and I also have enclosed copies of the Federal tray commission identity, theft, affidavit " please delete the items a soon as possible '' ( Transunion, XXXX, XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : TRANSUNION XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  Date of XXXX XXXX XXXX Date of XXXX Under the Consumer Protection Act, specifically Title XV of the Dodd-Frank Act, I have the right to receive proper notifications about any outstanding obligations and a clear justification for late payments. To date, I have not received any communication explaining this failure. I request a review of this matter and regularization of payment, as failure to meet these obligations affects my rights as a consumer and may be subject to legal action under CFPB regulation.

Under 15USC 1666b this late payment, entry is a violation. I have incorrectly billed XXXX XXXX account XXXX ( Transunion, XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant problems with the platform. Dispute using ZELLE numerous of 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 has indicated 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: Credit reporting or other personal consumer reports

I called XXXX XXXX and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe XXXX XXXX anymore money.
Product: Debt collection

On XX/XX/2022, I received a letter from Optio regarding a debt they are trying o collect. I requested " 1 ) a copy of my original contract with my original signature for the debt 2 ) The name and address of the original creditor 3 ) My full payment history from the original creditor 4 ) proof that Optio now owns or has been assigned o collect the debt. '' on the same day and mailed via certified mail, and per USPS, Optio received my letter on XX/XX/2022. Instead of providing the requested information, Optio kept asking for debt o be paid. Optio failed to validate the debt.
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. 

Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Credit XXXX : # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
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: Debt collection

i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.
Product: Checking or savings account

I was making a payment o a merchant and accidentally added too many zeros to the transaction. 

I immediately called chase to stop the transaction which they replied it will be back in the account by XXXX The funds never went back into my account so I followed up and called chase next day to share this information again and they said this could not be disputed. 

The transaction was an electronic payment which falls under reg e for over $ XXXX and the bank said they couldnt do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX, XXXX, and Experian have violated my rights. 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 instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issues in a previous letter and XXXX & I am including it here again with the new attached XXXX report. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Checking or savings account

A couple months back I deposited a check into my chase bank account. The check had came from someone online trying to buy a gaming account.They closed my account for a couple of hours after depositing the check, and when I called and asked why they said my account was flagged for trying to deposit a mobile check twice. If the pictures are still on record, you can see that I had deposited the check twice because the first time the check wasnt endorsed. This led me to going to their branch to talk and there they told me the check was fraud. I had no knowledge to this and I feel like they did nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from XXXX XXXX stating that they have removed a bankruptcy from my file. I have already disputed this with Experian, XXXX, and XXXX and it came back verified. This would mean that a proper investigation was not conducted which is a violation of my consumer rights. Please see attachment for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( XXXX ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act Credit Collection Account # 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 records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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

Upon intense inspection of my credit file I found a total of XXXX ( XXXX ) errors and therefore XXXX ( XXXX ) violations TransUnion made against me . Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX & XXXX I am distressed that TransUnion had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

TransUnions failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 3. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT