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

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX  I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Product: Money transfer, virtual currency, or money service

I got unauthorized charge {$250.00} on XX/XX/XXXX from XXXX and {$190.00} XX/XX/XXXX from XXXX XXXX I called zelle company, they can not do anything for me and ask me to call bank. The bank ask me to call zell. I want to get my money back because I got fraud. This is my first time to get fraud and zell company should help people to pull money back. 

Under Regulation E, zelle should help client to get money back.
Product: Bank account or service

I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.
Product: Credit card or prepaid card

I am requesting the credit card company provide all audio tapes from XXXX through XXXX to show I tried to cancel the card in XXXX, I took my ex off the card in XXXX. This information was confirmed to me in phone call in XXXX of XXXX.
Product: Debt collection

XXXX XXXX, AND ALL AFFIATES HAVE SINCE XXXX VIOLATED T.C.P.A., F.D.C.P.A,  F.C.R.A. AND COLLECTING ZOMBIE DEBT. 

FINALLY, ENCORE CAPITAL AND XXXX COMPANIES HAVE VIOLATED : " THE XXXX XXXX XXXX XXXX AND CONSUMER PROTECTION ACT 2009 H.R. 4173 ( 11Th ) CFPB 2013 TITLE X, INFRACTIONS ABROAD. 

SEE ATTACHED EXHIBITS AND DISCOVERY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!
Product: Credit card

On XX/XX/XXXX, I made a payment to my Capital One XXXXXXXX XXXX XXXX in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX account. It took several days for the payment to post to my credit card account, which is unusual. Finally, on XX/XX/XXXX, the payment posted to my credit card account, but the account was now restricted. When I contacted Capital One, I was told that I needed to provide access to the XXXX XXXX XXXXXXXX account that I used for prior payments. I explained that I had closed that account and opened the XXXX account so I no longer had access to that account. The representative that I spoke to insisted that I needed to do a 3-way call with her and XXXX  to verify the account. I reiterated that I had recently closed the XXXX  account and furthermore, it seemed fraudulent and suspicious that she was asking me to do a 3-way call with the bank. Since then, I have made my regular payments on XX/XX/XXXXXXXX  and XX/XX/XXXX, but my credit card is still restricted so it can not be used.
Product: Debt collection

Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2016 I entered into an agreement with Cornerstone legal group LLC in Florida to consolidate and negotiate three debts. As of today no communication was ever made to any of the creditors. The company has taken all funds and applied to their services. Several written requests have been made for copies of all communication regarding my creditors none has been supplied. I have now spent 3 days tracking down my creditors and have been informed No communication on my behalf has been made. We are talking 20 months with plenty of opportunity and yet their fees over 3600 have been paid to themselves,
Product: Checking or savings account

On XX/XX/2018 funds were transferred from my checking account by XXXX Transfer ( Conf # XXXX ) for 'XXXX  , XXXX . ' I called Bank of America & was told that I would not be responsible for this theft. Later I was told by BOA 's Fraud/Claims that an investigation would be done & claim # XXXX was assigned. OnXX/XX/XXXX I was told that my claim was denied as this transaction was consistent with previous transactions. A XXXX XXXX Sheriff 's report was filed ( # XXXX ). A claim " denial letter '' was received on XX/XX/XXXX stating that this transaction " was authorized by you '' ( me ). In another phone conversation I was told I had no other recourse. On XX/XX/XXXX I wrote to XXXX XXXX XXXX, BOA 's CEO. 
OnXX/XX/XXXX I received a call from XXXX XXXX ( Executive Fraud? ) who was to look into my claim, On XX/XX/XXXXI received a BOA fraud statement that I had requested several weeks earlier, completed it & sent it to BOA. On XX/XX/XXXX, XXXX XXXX told me that my claim was again denied. He said that reconsideration would only be given if my computer was found to have malware or a virus. A scan was done & no such virus or malware was found.
Product: Credit card or prepaid card

I am once again submitting this on MY OWN BEHALF. This is XXXX XXXX. I will attach proof of identity in the space below. CFPB IGNORED my last complaint, numbered XXXX. I am not sure if they are working with the Capital One or not but in the interest of saving us all time, i will copy paste and hopefully your job will be done this time in at least pasing the message along. 

mailed Capital One directly and asked for forgiveness due to hardship due to the COVID-19 virus. They responded and told me that they could not do that. I thank them for responding to me, but i also know they are lying. Not only has other companies been able to work with me through this, but I know people that Capital One in particualr has worked with during these issues. I do not know why they wont show me mercy. In XXXX of 2021, I tested positive for the COVID-19 virus and it almost killed me. I have pre-existing conditions that made having this virus almost impossible for me to do ANYTHING, much less leave the house. I was out of work for almost XXXX weeks. I fell behind on a few bills. I got help where I could but I did not know my options. I recovered fully, thank XXXX, but not without some damage. I caught up and paid Capital One as quickly as I could and I have NEVER been late again, nor will I be. I understand you guys have processes that you follow, but compassion can never be overstated. Just this XXXX late payment due to COVID-19 is all i am asking. I do not want any late fees back or anything like that, just this XXXX negative remark on my credit report and i know they can help me and i do not understand why they STILL want me to suffer even though i have paid them, never been late ANY OTHER MONTH since that XXXX. It is just arbitrarily unfair.
Product: Credit reporting or other personal consumer reports

I have never given XXXX XXXX the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit file was pulled without my consent. This led me to look at my credit further. I discovered that the Dept of EducationXXXX had student loan accounts on my credit report labeled as open and 180 days past due. These accounts also state that the accounts were opened XX/XX/XXXX and reported XX/XX/XXXX, XX/XX/XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX, opened XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX. When I next checked my credit score, all of the accounts had been re-aged to say opened XX/XX/XXXX. I contacted these companies multiple times in XXXX through XXXX of XXXX, XX/XX/XXXX through XX/XX/XXXX. When next I requested signed documentation of any signed contract between myself and the U.S Dept of Education and any payment receipts. I have yet to have any documentation of alleged debts from the U.S Department of Education. When I called, it was explained that the debt had been sold to the U.S Department of Education and that was why it was being reported as opened on XX/XX/XXXX. This is however illegal and unlawful. According to the FCRA, any debt has to be reported as accurate as the same open date, even when changing owners. Furthermore, the U.S Department of Education is still reporting on an account as being paid on although i haven't paid on this account due to it not being mine, accurate or opened. Furthermore, the U.S Department of Education has not validated this date and does not have a contract or signature for payment from me to the U.S Department of Education, so this debt must be closed and wiped clean from my credit report.
Product: Vehicle loan or lease

My can was repossessed on XX/XX/2021 in the middle of the night from my neighbors parking spot. I was not give any warning such as certified mail or phone call stating that the car payment was overdue because I received a new debit card. My former debit card had false charges. The company, Ally, never sent correspondence or it was sent to the wrong address, In addition I offered to pay {$2000.00} dollars out of the {$2000.00} that was owed and they said that was unacceptable that the full amount had to be paid. I lost my job due to COVID and have been diligently looking for employment.
Product: Student loan

Mohela continues to mishandle interest charges, charge interest during forbearance that is supposed to be interest free, and while on payment plans that are supposed to be interest free, misreport information to credit bureaus sometimes causing the student loans to be duplicated, have non-existent or completely incorrect information through customer service representatives, and be terrible at their jobs. This has harmed my XXXX XXXX multiple times, and the amounts they currently say I owe do not match reality.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps/mpp/cashback-25sh on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after XXXX purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Product: Credit reporting or other personal consumer reports

My information been unpopular using stolen and use without my consent
Product: Credit reporting or other personal consumer reports

I have multiple points to attest. 

I signed up through FAFSA for my student loans. I was assigned XXXX XXXX for my student loans for the entirety of my student loan affairs. While still in my education program, my loan servicer changed, then had shortly changed again to what is now Nelnet. I did NOT consent to this change and when asked for documentation to be provided, they did not follow through.

Under the Gramm-Leach-Bliley Act, I am protected from nonpublic information being shared to non-affiliated third parties. XXXX, a non-affiliated third party, shows that I owe Nelnet for my student loans on my credit report. 

In XX/XX/year>, I contacted Nelnet for proof of agreement. They assured me they would send the documentation to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. A week later I called for an update on the matter out of concern that I would seemingly owe them a monthly payment. Under advisory of Nelnet, it was suggested I applied for the IDR plan to postpone payments until the disputation process has been completed. I applied for an IDR plan in the mean time during this disputation process, to which Nelnet has not responded to as of the XXXX XXXX XXXX website. The duration of this nonresponse has exceeded 60 days.
Product: Payday loan, title loan, or personal loan

I received a loan for my vehicle at XXXX  XXXX of XXXX XXXX, CA XXXX. I was unable to pay for my car when it got repossessed by the bank due to my job laying me off. My work had sent me my last check due to covid-19. After I was left with outstanding debt. Nearly over {$9000.00}. It has been a few years. I have tried to make contact to collections but I have no luck. At on point I called to pay my debt on a credit card of $ 600+ & I believe that was a scam. I still have records of collections being due. I believe it is unfair the way my report has been handled and I am seeking a higher up to a help me with my claim. I can not afford to pay this debt.
Product: Debt or credit management

Dear [ Creditor ], I hope this letter finds you well. I am writing to address a matter concerning my credit report and the late payments that have been reported by your company. I believe that these late payments have been inaccurately reflected on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 USC 1681 section 602, I have a fundamental right to privacy when it comes to my personal financial information. Additionally, 15 USC 1681 section 604a section 2 states that a consumer reporting agency, such as yourself, can not furnish information about my account without my explicit written instructions.

Furthermore, I would like to draw your attention to 15 USC 1666b, which states that a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. It is my understanding that this provision applies to my situation, as the late payments in question were made within the appropriate timeframe. 

Given the aforementioned legal provisions, I kindly request that you take immediate action to rectify this matter. Specifically, I request that you remove the late payments from my credit report and ensure that my credit history accurately reflects my payment history. 

I trust that you will handle this matter promptly and in accordance with the law. Please provide written confirmation once the necessary corrections have been made to my credit report. Failure to comply with my request may result in further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, I
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Other financial service

I have been locked out of my account with Credit Karma. I have contacted them several times, but I have been unable to get a reply within 30 days. It keeps sending me emails weekly with new updates, but they wo n't answer my request to unlock the account so that I done have access. I 've even gone to XXXX to try to send them a message, no response. Can somebody help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX This Inquiry does not belong to me
Product: Bank account or service

XX/XX/XXXX - I performed a cash load of {$2500.00} at the XXXX store # XXXX my American Express Serve account. 
American Express shut down my account shortly thereafter and locked me out of online access so I could not log in to pay my bills with the cash that I 'd loaded. 
I 've called American Express Serve multiple times since then, the most recent being on XX/XX/XXXX and was told that my money was returned to the retailer each time. I 've spoken to XXXX on the XXXX audit team many times trying to track down where my cash was actually returned and they have no record of it ( as of XX/XX/XXXX ). At this point American Express will not transfer me to any superior officer or manager that can remedy this situation and is holding my {$2500.00} cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

My goal was to acquire a copy of my Experian credit report on XX/XX/20 to confirm its accuracy, as I had been identified as a data breach victim. I had an Experian account many years ago, but it was dormant. Upon entering my private information, it would not log me in. I followed the prompts to have my user name sent to me, including entering some private information such as social security number. It then noted that my username would be sent to an email that was fraudulent, indicating an attempt to steal my identity. I have tried to contact Experian via various capabilities on its website, and it is impossible to speak to a live person or communicate my concerns in any way. I am now left with the knowledge that someone may be trying to hack my account and no way to act on it.