23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American first finance tried to take money out of a bank account that they were not authorized to take the money from. It resulted in my debit card being froze for fraudulent use so now I can not use it for over XXXX days. The amount was XXXX XXXX XXXX XXXX. They would do anything to try to get their money except for waiting
Product: Debt collection

I have been receiving calls from XXXX XXXX XXXX over a debt from 2010 and the calls have escalated to the point of harassment. On XX/XX/XXXX a representative from Coast called to inquire if I was home, she then informed me that there was someone on their way to my home to serve court lawsuit documents. There was an overt threat of litigation and possible arrest, later in the day, if I did not pay at that moment over the phone. 

The debt in question is for student loan funds which were disbursed for the full semester, while I only attended Spring 1 instead of Spring 1 and 2. The disputed funds are for Spring 2 session and the amount is {$1300.00} which I had negated in good faith to pay but the collection agency has assessed fictitious interest fees that have more than doubled the original amount and will not negotiate on. I am distressed the by inexplicable attempt to double my debt and I am even more distressed by the aggressive, illegal collection tactics of threatening me with arrest and court action. Please advise on the best course of action for this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$200.00} Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$110.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account was Opened : XX/XX/XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Ive attempted to contact Transunion numerous times to alert them that I do not have a contract with XXXX XXXX XXXX, and that is not my address. They refused to remove it after I explained that it was harming my credit. I alerted them that I would pursue damages as well for violating FCRA laws governing consumers.
Product: Debt collection

I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
Product: Money transfer, virtual currency, or money service

Used Zelle... .and a lot of fraud was happening... .I would send money to my children and they never received it and the zelle would not give me the money back... this has been going on for a while. I stopped using Zelle for a while... then i tried again and my daughter received it ... But i was told many days they could not do anything about it.
Product: Debt collection

This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXXi ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX  ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on transunion and XXXX ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters by US mail 3 times within the last 4 months I have been patient during the 30 days to let their investigation process go through. When I called the credit bureaus for status updates they informed me that they have never received my letters as well as sensitive documentation that was addresses to them. I asked that they put my disputes in over the phone. They advised me if I wanted to send supporting documentation to be attached to send it by mail as that is the only option available to me so I sent a copy of my ID and social security card again.I called 3 weeks later to follow up they told me they did not receive my documentation and for a 3rd time and nothing has been done about the negative accounts. I have sent several copies of my personal information to the credit bureaus and they continuously state that they do not receive letters yet advise consumers to do so.
Product: Debt collection

I really don't know where to begin. I was discharged from the XXXX XXXX which is called XXXX XXXX XXXX XXXX I believe of XX/XX/2018. Because of XXXX XXXX I was there needing their services if I am unable to take care of myself. I decided to come home and get home health services to take care of me. Through XXXX XXXX I am able to receive these services. I am on social security XXXX. To make a long story short I have never received any theme from the XXXX XXXX saying that I owe them money or from the collection agency! I just happened to find out through my email that I have a creditor. that is the only notification that I have received and I just got that within the past 60 days. I would like to have this removed I do not owe any money. I don't know what else to say. I did try contacting the XXXX XXXX  and speaking with the director whose name was XXXX. And she was no longer there and has gone to a different facility. The company was changing ownership and bringing in a lot of new staff. And there is a high turnover rate there. With all of that confusion something like this could have happened. That is the only reason I can think of something like this happening!
Product: Mortgage

I went through the whole loan process. Pre approval, underwritting and paying for inspections, appraisals, due dilligence, ernest deposit etc. We gave them all the information asked for in a timely manner. The dragged their feet which pushed us way past closing date. We re-negotiated and gained more time. Then they denied my closing after contract expired costing us thousands of dollars over funds that were not even relevant to the close that they were completely aware of from day one. Then we managed to talk to the seller and get him to wait while we provided more documentation and they just left us on the hook the seller got tired of waiting and re listed the house. The bank virtually stripped us of 75 % of our savings and said sorry we cant help you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed XXXX more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. 

I don't agree with their decisions of being late.
Product: Credit reporting or other personal consumer reports

I am writing to you as a desperate plea for help regarding an ongoing issue of identity theft that has plagued my life for nearly a decade. Since as far back as XXXX, I have been a victim of individuals unlawfully using my identity and credit, resulting in fraudulent accounts and financial obligations being attributed to my name. 

Over the years, I have made every effort to address this devastating issue. Most recently, I reported the fraudulent accounts to all three major credit bureausEquifax, Experian, and XXXX directly to the original creditors involved. Despite my diligence and providing all necessary evidence, only XXXX accounts have been successfully removed from my credit file. The remaining fraudulent accounts continue to tarnish my credit, inflict financial hardship, and cause me profound emotional distress. 

This situation has severely impacted every aspect of my life. I struggle to obtain even basic necessities like housing and transportation due to poor credit. The constant battle to prove my innocence and reclaim my identity has taken an enormous toll on my mental health, leaving me overwhelmed and hopeless. I feel trapped in a nightmare I can not escape, no matter how much effort I put into resolving it. 

I am pleading with you to take immediate action to investigate and resolve this matter. I need these fraudulent accounts removed from my credit report and assurances that my identity will be protected moving forward. I have attached copies of all relevant documentation, including police reports, correspondence with creditors, and any evidence supporting my claims. 

Please understand that I am at my wit 's end. I can not endure this struggle alone any longer. I beg you to treat this matter with the utmost urgency and help me reclaim my life and peace of mind. 

Thank you for your time and attention to this critical issue. I hope to hear back from you soon. 

ACCOUNTS BEING DISPUTED : XXXX XXXX XXXX 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 principles delineated in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I invoke the doctrine of estoppel by silence to assert that the absence of provided evidence regarding the purported student loan absolves me from any obligation thereof. Under this doctrine, the failure to furnish substantiation leads to the presumption of nonexistence of the asserted debt. Hence, I maintain that the alleged debt holds no factual basis due to the absence of supporting proof.
Product: Mortgage

On XX/XX/2019 XXXX informed me that my home owner 's insurance would not be renewed as of XX/XX/2019. This because they did not want to pay for roof repairs that they deemed a necessity. That's the best they could do for me after fifteen years of my paying them for coverage. 

After all that, my mortgage servicer ( SPS ) sent me a letter stating that they 'may ' purchase insurance to cover a lapsed period ( XX/XX/19 to XX/XX/19 ), and that they 'may ' charge me for their purchase. Before my XXXX policy expired, I talked to one of SPS 's representatives to let them know that I was searching for replacement insurance. The representative told me that I had time to get the insurance, even after my current insurance expired, I would just have to be timely in letting them know once I had the coverage. I sent proof of my new home owner 's insurance as soon as I purchased it on XX/XX/19. More than a month later I get a letter from SPS saying that they had purchase insurance to cover the lapsed period, after the fact, and that I would have to pay them for their purchase. So, they have added the charge to my mortgage escrow account. That should be illegal. They say that I signed a statement agreeing to keep insurance covering the property. However, they have not provided proof of my signing any such statement, nor have they provided proof that I agreed to pay for any insurance that they 'may ' purchase if I did not keep insurance current. 


Where do these large companies get the idea that they can do something so unreasonable as purchase insurance after the fact, covering a period of time that has long past? I should not be expected to pay for their delayed actions. No doubt they are making plenty of extra money with this practice off the backs of so many of their customers. I just wonder what other tricks do they have up their sleeves to collect money from unsuspecting home owners. I want this charge removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My overall complaint is with Transunion. To begin they charge a membership fee and they do not provide up-to-date or accurate information Additionally, they do not preform the credit check rather rely on updates and changes from XXXX. For the past 2 months. I have tracked and monitored my reports very closely. Transunion is the ONLY company who does NOT keep current nor accurate information. My credit accounts are too high as I have decreased the balances to less than 27 %. The collections are paid off and Transunion does not report the current status nor delete the account once paid. 

I am very unclear the reason to have 3 credit reporting agencies when only one is actually utilized by the majority of the country. XXXX needs to update their system or change their practices. At the moment, they are failing
Product: Debt collection

I am writing to formally lodge a complaint against Ansell Grimm & Aaron, PC, a law firm acting as debt collectors for the XXXX XXXX XXXX XXXX. I believe the firm has engaged in practices that violate my rights under the law, including the Fair Debt Collection Practices Act ( FDCPA ), and may constitute a breach of fiduciary duty as agents of the HOA. 

In XXXX, I entered into a Consent Order regarding payments to the XXXX XXXX XXXX XXXX. The original terms required me to pay {$11000.00} in legal fees along with monthly assessments and other charges.As of XX/XX/XXXX, I have paid a total of {$40000.00} {$24000.00} directly to Ansell Grimm & Aaron PC ; and {$16000.00} directly to the HOA. This far exceeds the original amounts agreed upon in the Consent Order.

My Complaints 1. Intentional Obscuring of Payment Allocation The law firm has failed to provide clear and accurate statements showing how my payments have been applied. 

Despite multiple requests, I did not receive an itemized account history until very recently, and even that breakdown contained ambiguous charges ( e.g., repair costs and convenience fees ) with no justification or contractual basis. 

This lack of transparency prevents me from understanding whether my payments have been properly applied and raises concerns about possible bad faith and fiduciary violations. 

XXXX. Addition of Fees Without Notification or Basis The firm has added various charges, including : Repair Costs : {$360.00}, EFT Convenience Fees : {$7.00} and Legal Fees/Costs : $ XXXX fees were not disclosed in advance, nor have I been provided with documentation or justification for their inclusion. Some appear unrelated to the original Consent Order.

3. Mismanagement of Overpayment Although the original Consent Order required {$11000.00} in legal fees, I have already paid {$24000.00} directly to the law firm. Yet, they claim I still owe {$11000.00}. This indicates a significant misapplication of funds or improper accounting.

4. Failure to Provide Timely Account Statements Over several years, I have requested account statements to understand my remaining balance, only to be ignored or told I would incur additional charges for such communication. This failure to provide routine accounting violates basic transparency standards and has caused financial and emotional hardship.

I am prepared to provide the following documents upon request : Copies of Payments : Bank statements showing {$40000.00} in payments.

Consent Order : The original Consent Order from XXXX. 
Correspondence : Letters and emails requesting transparency and clarification. 

The actions of Ansell Grimm & Aaron, PC have caused undue financial and emotional strain by obscuring payments, adding unjustified fees, and failing to provide timely account updates.Their conduct undermines trust in the HOAs fiduciary responsibilities and violates my rights as a homeowner. I request your assistance in resolving these issues and preventing similar harm to others.
Product: Credit card

For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX   accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Product: Money transfer, virtual currency, or money service

Considering the recent CFPB lawsuit highlighting significant issues with Zelle 's platform, I'm inclined to express my concerns with their business practices pertaining to disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible to recover 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: Credit reporting

I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.
Product: Checking or savings account

I have called WF several times to gain information on my checking and savings accounts to verify that both accounts were not affected by the opt in issues caused by fraudulent bankers meeting sales goals. I believe both my checking and savings accounts had add ons added to them since their inception and would like a reviews of such accounts.