23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Wakefield & Associates and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Wakefield & Associates had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through Medicaid and not paid and that all information is correct.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. Inquiries were made without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA XXXX ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA has paid the Credit reporting agencies to report a collection on my consumer report. I was never sent any information to challenge the validity of the alleged debt. This has damaged my credit and has caused me to be denied extensions of my credit and caused me to pay higher interest rates and fees. I did not consent to contract with this company nor do they have permissible purpose to have my information which could be considered fraud and identity theft. This account is showing as an open collection and has XXXX XXXX as the original creditor which I also have no contract with.
Product: Credit reporting or other personal consumer reports

I have contested the inaccuracies in the following information with XXXX, XXXX and Transunion and unfortunatley, the issue remains unresolved to this day. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report.
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 tracking these transactions was feasible. The CFPBs 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: Consumer Loan

I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX
Product: Debt collection

Comenity bank has called me multiple times in one day, for many days in a row. The calls range from 3-5 calls in one day. 
XX/XX/XXXX ( 5 calls, times not recorded, but screenshots available ) XX/XX/XXXX ( 3 calls, times not recorded, but screenshots available ) XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX This is a direct violation of The Fair Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

On XX/XX/year>, I called Wells Fargo to close my savings account only because I kept getting charged a $ 5 monthly fee. The agent advised the funds in my savings account would be transferred to my checking account first and then he would close my savings account only. I consented to having my savings account closed and the agent advised it would take XXXX hours. On XX/XX/year>, I received a notification that my savings account reached a XXXX XXXXXXXX balance. I called Wells Fargo on XX/XX/year> to ask why the savings account was not closed and why I was still charged the monthly fee for it. The agent advised she would have the savings account closed and the monthly fee reimbursed. On XX/XX/year>, I found out my checking account was closed and my funds were missing. I called Wells Fargo on XX/XX/year> at XXXX to ask why my checking account was closed without my consent and why my funds were taken. The agent could not tell me why the checking account was closed. I requested to have my checking account re-opened and my funds put back. The agent advised I would need to call back and speak with the accounts closure department at XXXX when they open. I called Wells Fargo again on XX/XX/year> at XXXX as I was asked to speak with the account closure department and the agent hung up on me. I called Wells Fargo a third time on XX/XX/year> to once again request help on this matter and to have my checking account re-opened and my funds put back in it since the account was closed without my consent. The agent advised they could not re-open the account and they would mail me a check with my funds at an unknown date. The agent could not tell me why my checking account was closed and I have no access to my funds.
Product: Mortgage

We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.
Product: Debt collection

As of XX/XX/19 my repayment of {$350.00} had lapsed due to my Mother 's burial/business out of town. Check Smart ( XXXX ) XXXX continues to harass my employer even though I asked them to discontinue, we have already spoken when they contact/ harass me on my personal phone.
Product: Credit reporting or other personal consumer reports

Trans Union has refused to investigate items disputed with identity theft as far back as XX/XX/year>. I have requested the Method of Verification by written correspondence repeatedly and have been stonewalled or simply ignored. At this point they have caused significant damage to my credit standing by not complying with the FCRA section 605b by not blocking all items associated with identity the theft after reporting it properly to the authorities. Also, under section 15, U.S.C. 1681n of the Fair Credit Reporting Act, they have committed willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ONEMAIN FINANCIAL, is currently showing XXXX  days late on XX/XX/2015. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX without consent, knowingly and willingly wrongly furnished inaccurate information to my persons credit file to multiple enties. They have been asked to provide a document under penalty and perjury attesting to and displaying the drawer of the funds. They have been asked to provide the retail installment contract from any dealership bearing creditor as a borrower. They have been demanded to provide a power of attorney notarized bearing my wet signature. They have been asked to provide the actual document displaying the real source of the funds. They have been asked to provide proof of perfected interest and any other documents to show them as a lender of THEIR PERSONAL assets, bonds, stocks to claimant. Nothing has been received that was requested. There is no possible way a charge off exist if they stole my principal and interest in a constructive trust. The account is paid in full as reflected on the receivables. The payables are not the same. I am due what is actually reporting on the credit files. Failure to perform and no value of consideration was given. Also to purport as a lender and in actuality is a borrower is fraud and tila violations. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, its brokers have never instroduced themselves nor shared what they are doing with my person financial Asset. They have also been asked to immediately balance the account. They refuse. Fcra violations.
Product: Credit card or prepaid card

Resubmit to CFPB XX/XX/2021 : FYI : have not heard back from CFPB -- - sent 4 attachments with documents spanning XX/XX/2021 to date to CFPB to settle issue with the involved companies. BBT continues to charge ongoing late fees and interest charges on my credit card since XX/XX/XXXX.

BBT/Truist Bank and impacts XXXX XXXX insurance as well -- - Communication to BBT CEO , Email, and multiple customer website communications to both organizations ; multiple discussions with Dispute Ctr BBT by phone and documents sent, also spoken with BBT Collections when they called me 2 weeks ago. The latter individual " XXXX '' ( they " do not give '' phone call confirmation numbers ) knew what needed to occur and should have occurred already, " a charge-back '' to BBT. Also informed her that the USA CFPB has a written online complaint from me about this impasse. 

No one resolves it. Every other credit card group contacts the merchant involved and will directly resolve the problem, not BBT.

BBT charged for the health insurance premium which had been paid for quite some time by me with them. For some reason, XXXX, the health insurance provider did not receive the summer payment although paid to BBT, and their letter indicated I would have my insurance cancelled if not paid promptly to them. I paid them at that point to avoid insurance contract cancellation. So, XXXX in the meantime was paid by both BBT and myself. 
Recently, I return-mailed to the BBT Dispute Center another synopsis of the above and all my health insurance identifying information for them to settle with XXXX. 

I have/have had for years a terrific FICO scores & now this.
Product: Checking or savings account

I am filing another Consumer Protection Bureau ( CFPB ) complaint against Optum Financial regarding the unfair, discriminatory account treatment until the wrongful maintenance fee billing can be resolved. I also filed in small claims court and arbitration until we can resolve this in a fair matter. If these fees were intentional, this case will be taken to criminal court. You have 30 days to respond to this matter.

Please see the attached Optum transactions statements and email/phone/fax correspondence dating as far back as XXXX. 

The monthly maintenance fees first started in XX/XX/XXXX after I ended my employment with XXXX. Since then, I have continuously asked Optum to close my HSA account by A ) reimbursing the funds my HSA for qualified medical expenses and 2 ) transferring the HSA account to the HSA under my new employer so that I would not have to incur an unnecessary tax penalty to close my account.

As you can see from my medical records, the qualified transactions I wanted to reimburse myself for dated in XXXX, but for three years, Optum/HSA Bank have blocked my account from reimbursing myself with account issues and unauthorized transaction disputes. If the HSA account bank refuses to let me reimburse myself my own money, do you think this is fair? 

Over the phone, the customer care representative informed me that the HSA Maintenance Fee will be waived as compensation for the troubles that Optum has caused me from dragging on the unauthorized transaction disputes, the account access issues, that have prevented me. I believe this is the least that Optum can do for me since it is Optum 's fault that I could not access my account and reimburse myself in order to liquidate the HSA account. 

This amounted to over {$180.00} in maintenance fees that I should not have been charged due to Optum 's fault. Please investigate into this. If Optum is deemed to purposefully delay my account closure just to charge me more maintenance fees, this would be considered fraud and I will escalate the case to criminal court until a fair resolution can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to XXXX, XXXX and Equifax and they are still reflecting on my account. 
-XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency as well as XXXX and Experian, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Opened XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening.
Product: Debt collection

I am writing to request your help on my case. PORTFOLIO RECOV ASSOC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The accounts I am writing about are the following : This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them. 

1. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX XXXX XXXX.-Original Balance {$690.00} 2. ) Account PORTFOLIO RECOV ASSOC # XXXXDate Opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXXOriginal Balance {$1300.00} 3. ) Account PORTFOLIO RECOV ASSOC #  XXXXDate Opened XX/XX/XXXX-Original Creditor XXXX XXXX XXXX  -Original Balance {$1500.00}.