23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received phone call from Southwest Credit on XX/XX/XXXX stating that I owed {$140.00} from XXXX. However, this charge is incorrect. When I asked for an itemization Southwest Credit promised to mail it to me on the same day XX/XX/XXXX. 

As of the writing of this complaint to CFBP on XX/XX/XXXX, Southwest Credit has not ever provided me with a bill validation after several urgent follow up calls since XX/XX/XXXX and is threatening to forward this debt to the three credit bureaus XXXX, XXXX and XXXX. 

Southwest Credit had an obligation to forward me a bill validation within 5 days of contacting me for the debt. It is now over 30 days and Southwest Credit has not acted in good faith and is attempting to hurt my credit score.
Product: Debt collection

I was called by XXXX XXXX  XX/XX/2020 from southwest mediation service, stating that i'm directly involved in a potential civil suit for delinquent payments to XXXX   XXXX XXXX XXXX XXXX. He said that i was being sued for {$2100.00} and they would settle for {$790.00}, and if i paid them today and emailed me a document to sign he had my social and my old address, and said that if we didnt settle this today it would be taken to court. It scared me, so i signed the document and tried to pay the amount. My bank stopped the charges because they said it was a fraudulent charges and after i saw that i started researching online, and found out there was a bunch of people who had been through he same thing with this same company and person. I recieved another phone call by the same person on XX/XX/2020. On XX/XX/2020 a XXXX XXXXXXXX XXXX   calls me from the same company stating this is not a scam and i needed to pay this or it will be taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 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: Debt collection

I received a letter XX/XX/2022 with a court case on it. I called my local municipal court and they let me know it was for a debt owed, and not from the company i received the letter from. I was not served.
Product: Debt collection

This has been reported on my report XXXX  years from original date and collection has changed date of account to keep reporting instead of allowing it to be removed. It was reported to collections that I did not owe this. I am not one to not pay my bills ( check my report ). But I am not responsible or obligated to pay debt that I do not owe. 
I request this be removed from my report based on the incorrect date and information that is being reported by collections. It has been reported negatively on my report for XXXX  years. Again, remove because its not something I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist bank has pulled my credit multiple times without my consent and This is the individual that I would like to formally file a complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Direct To Consumer | XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Email : XXXX XXXX
Product: Debt collection

I have been disputing fraudulent accounts for over a year, submitted police reports, I.D, mortgage insurance, etc. I have submitted this information online, mail, and over the phone. I have received mail from collectors that these accounts were sold and submitted the same documents to them, I have replies back from them as well. Transunion and XXXX are reporting CO ( charge off ) repeatedly monthly and that is against the law. I received paperwork from XXXX that my social is used with another individual and I also submitted that to the Bureaus, I have been repeatedly told that they use what the consumer sends them and thats what they go by, I asked for proof that was used that these accounts are mines and was told that I need to call the creditor. I have been lied to different occasions about about these accounts. They are not reporting on a 3 credit bureaus. I have inaccuracies all on my credit with open/close dates, account numbers, status of accounts, and accounts that I have disputed that has been on my report over 7 years, they still wont remove them. I have been resubmitting disputes monthly after over a year. I have all the documents and paperwork and that is needed for my case. I had a fraudulent account removed and replaced because they consumer came back and said same name, same date of birth, thats not proof of an account. I then received an email for a dispute that I canceled the dispute and I never did that. I mailed 3 letters to all 3 bureaus at the same time and Transunion the only ones that said they didnt have it. I have been a victim of fraud since XXXX, they told me my police report expired and that I needed a new one, then I went and got one, XX/XX/XXXX, submitted it to them along with supporting documents and they are not acknowledging anything. I have submitted debt validation letters no response. I have received modified alerts because I had supported documents and they continue to update it. As of today XX/XX/XXXX I have not received any debt validation response from XXXX or Transunion. I have no other reasoning why they are continuous reporting Charge off on a fraudulent closed account, reporting to 1 or 2 bureaus, different open/closed accounts that are sold, no debt validation proven to date when you have proof that it is me. When I had to remove a suffix off my report because they had me as a ( XXXX ) and a male.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, and XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforescen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that you are willing to work with me on erasing these marks from my credit reports. Theyre also old addresses where I use to be resident at that I dont live at anymore I wish to have removed off my credit report. 
I am now trying to lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1631a ( 2 ( Al ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply. 

Very Hopefully yours,
Product: Debt collection

The law states that 15 U.S.C. 1692c is a law that governs how debt collectors can communicate with consumers and third parties. It is part of the Fair Debt Collection Practices Act ( FDCPA ).

Debt collectors can not communicate with third parties without the consumer 's consent or a court order.

Debt collectors can communicate with the consumer 's attorney, the creditor, the creditor 's attorney, or the debt collector 's attorney. 

On My XXXX  account the account # is XXXX it shows the amount of XXXX the original amount is XXXX they say I owe XXXX. 
This is obviously fraud.
Product: Student loan

On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.
Product: Debt collection

I would like to dispute this under 15 USC 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Reporting Act the creditor : Pentagon Federal Credit and XXXX XXXX XXXX has violated my rights under 15USC1681 section 602, wich states that I have the right to privacy. 15USC1681 section 604A section 2 also states that any consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment of a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

Someone used my email account to open a XXXX account under the name of XXXX XXXX. The obtained access to my Bank of America Online Banking. Using the XXXX account, they transferred {$2900.00} from my personal Bank of America account. On XX/XX/2019. I received a text message from Bank of America at XXXX XXXX, confirming the money transfer was complete. I filed a BoA Fraud Claim # XXXX. The account was frozen at that time. on XX/XX/2019, I received an email from Bank of America, sending me bank account code I requested. I did not request the the information, and reported it to Bank of America Fraud department. on XX/XX/2019, I received an email from XXXX XXXX, stating I submitted a payment between 2 accounts. I do not have any accounts with XXXX XXXX. They could not look up the accounts using my email, and could not find the the accounts by my name, telephone number or social security number. Bank of America has not returned any removed funds, and froze the account with a - {$880000.00} balance. I believe my email address was compromised even after see real attempts at changing my passcode.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have inaccurate information listed on my credit report. I have inquries that I never authorize due to this Equifax breach.
Product: Debt collection

My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.
Product: Debt collection

Lending Club is an entity I borrowed from in 2016. I am paying off the loan early. I have been in email correspondence with them ( they won't correspond by US Mail ) and they are telling me the wrong things about what I owe if I pay early. I contacted them before and they said if I paid by XX/XX/XXXX I would owe some amount, {$1300.00} and something. I sent {$800.00} and they then said I owed {$700.00} something. Now they are telling me that when I sent {$800.00} toward early payoff of the loan they applied only XXXX to that payoff. They said 'since we are unable to apply monthly payments before your contractual payment date, we applied {$560.00} towards your principal balance and was ( sic ) holding your monthly payment and check fee to be applied towards your loan on your contractual payment date. ' They are not entitled to collect a fee because of my utilization of money orders to pay them every month but started doing that at some point. They were deliberately harassing when I used to call in payments and finally I quit fighting with them on that and sent money orders. They are obviously not entitled to hold part of my payment until 'contractual payment date '. Forget it. I am entitled to save on interest that would have been due if I had not paid early. They are pretending otherwise. 

Please contact them about fact that they can not hold payments and pretend I still owe same interest I would have owed if not paid early. I am entitled to payoff early and save on interest. They are dishonest in their endeavors and have been for a while and this becomes tiring. They placed fees on my payments that they are not entitled to. You can rest assured they will advise you that their contract allows them to do something like that but of course they are not the courts, but they fail to comprehend this. I have dealt with the courts more than these kids have. If I have to report them to someone who will address criminal and/or fraudulent activity on the part of this institution I will do that. They have been a problem ever since I took that loan. 

Right now, I need you to get it through their heads that they must deduct interest otherwise due when I pay early and can not 'hold the payment ' until the 'contractual payment date '. Get over it. This is one pathetically dishonest and poorly operated entity. When I owed XXXX something and sent XXXX, that means my remainder due was under XXXX. Not XXXX something. I have sent another XXXX and that should cover entire amount due. I will not hear them tell me I still owe beyond that. 

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, New York XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. 

The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. 
To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. 

I have detailed records available for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom it may concern I was involved in an accident in 2016 and my car was stolen and was a reported as Complete loss my insurance issued them a check and I thought the issue was resolved First investors then reported to my credit I owed XXXX I then contacted them to find balance was owed and I told them I had no idea I then confronted them about the reporting and they basically said tough luck so I went to the XXXX XXXX XXXX and then received an email from first investors promising to remove the negative account. I have been fighting with this company for years. Please provide documentation or proof of my signature showing that I knew of the remaining balance previous to them reporting it. If documents can not be provided please remove if not I will be seeking legal assistance in this matter as its affecting my life I can not purchase anything
Product: Credit reporting, credit repair services, or other personal consumer reports

hello this is the second attempt trying to correct erroneous and inaccurate information in my credit report I have been disputing for more than 8 months the errors in my credit report and experian has never responded to my disputes the first attempt through this portal It was XX/XX/2021 and they responded that they needed to verify my identity by asking for documents, which I sent them via certified mail everything they asked for and if I responded to the first complaint and even so they did not respond to me, here I leave them all the evidence and what they asked me and what I sent them by certified mail all the documents were received on XX/XX/2021 my full legal name is still wrong, previous address that I never lived there are still on my credit report and, inaccurate negative account so you did not respond you are in violation of the FCRA federal law requires you to respond within 30 days of you receipt of my letter and has now been over that period since you receipt of my letter so you failed to comply with federal regulations by credit reporting agencies are in serious violation of FCRA so you must remove the negative listing disputed
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a phone call from PNC Bank informing me for a second time that my business account application was denied due to the laws outlined in my documentation outside of the United States. I am confused about this claim, as all laws referenced in my business documentation are based on Federal law, common law, UCC law, natural law, and the Constitution. I would like to express my concern that this decision appears to be yet another form of discrimination and a violation of my consumer rights.

During our conversation, I was also told that I needed to retain a licensed attorney to prepare the necessary documentation for this type of business account. I believe it is outside the scope of PNC Bank 's business to provide legal advice, and I find this suggestion to be inappropriate. 

I then asked if I could speak to the legal department or the person responsible for making such decisions. Unfortunately, I was informed that PNC Bank could not provide me with that information. I find this lack of transparency and accountability to be deeply concerning and a further violation of my consumer rights. 

As a consumer, my rights are protected under various federal laws, including the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and privacy of consumer information, and the Truth in Lending Act ( TILA ), which promotes informed use of consumer credit by requiring disclosures about its terms and costs. The FCRA mandates that reasonable procedures are put in place to maintain the maximum possible accuracy of the information concerning the individual, which does not appear to have been followed in this case. 

During my communication with PNC Bank, I provided vital information related to my business account application. It is unclear how this information was used, and I believe this warrants further investigation. I was informed that I would receive a letter detailing the reasons for the denial of my application within 45 days. 

I kindly request that PNC Bank review its decision to deny my business account application and provide a clear explanation of the reasons behind this decision. I expect transparency and fair treatment in all financial transactions and trust that PNC Bank is committed to upholding these standards and complying with the relevant provisions of federal laws and regulations. 

Please do not hesitate to contact me should you require any additional information or clarification regarding my concerns. I can be reached at ( XXXX ) or XXXX Thank you for your attention to this matter and your cooperation in addressing my concerns about the denial of my business account application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate. 
Please provide information on the steps taken to prove the information is 100 % accurate.