23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX To Whom It May Concern, This letter is regarding accounts XXXX XXXX XXXX, which you claim I owe {$1400.00} as a duplicate collection. XXXX XXXX XXXX XXXX which you claim I owe {$2800.00}, {$3200.00}, and {$5700.00} on XXXX different collection accounts. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion, and XXXX ) from your company is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation- Negligent Enablement of Identity Fraud- Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, I am completely appalled with your service! Today I receive notice about file number XXXX stating that you received something from a third-party regarding my credit report. Ill have you know that I am doing my own credit repair. On every letter I send I include a picture of my photo ID along with a copy of my Social Security card. For you to say that an unauthorized third-party is doing this for me implies that I am unable to dispute you myself. Are you saying that I am unable to research the FCRA myself and dispute you on errors on my credit file? I mailed you 3 letters in one envelope. One letter states, that I have attached, three collections are showing as past due on my credit report and collections can not be reported as past due that is an FCRA violation and I demand that you delete those 3 immediately! I have also ask you to look into the other two accounts on the other two letters that I have also attached to this complaint. Do take my letters seriously! Do not send me another stall tactic or notice stating that someone else is doing this for me because I will have you know I am doing my own credit repair and do not insult me!! I mailed these on XX/XX/2022 and your response that is attached is dated for XX/XX/2022, so let your investigation take no longer than XX/XX/2022 for youre ridiculous stall tactic!!
Product: Checking or savings account

While banking with  US Bank I  was charged a total of {$360.00} in fees. The issue I have with this is that the fees should not have been charged to my account in the first place. These fees resulted in my account closing and the information being reported to   XXXX   XXXX   for {$250.00}. After disputing this w ith US Ban k there was no correction made. I feel that I took the proper steps to avoid these fees and that I should still have {$100.00} in my account with them. A t one poi nt I even tried to pay the unjust fees with a secured card I had through them. But their lack of concern allowed my information to be sent to   XXXX   XXXX   before  US Ba nk would take the payment. I am now requesting that all information be removed from   XXXX   XXXX    and that the credit of {$110.00} be applied.
Product: Money transfers

I have been working with paypal for over a year now and have had no customer complaints or done anything wrong. Yet just recently they have been putting holds on my accounts making me wait for the money to transfer from my customers. I have submitted numerous documents with proof that my items were being delivered yet they still have not taken them into consideration and will not tell me the real reason my account is being limited. Now they have decided to close down my account for life and say that they ca n't reverse the appeal, this is a terrible business practice to continue. No matter who I talk to with Paypal they all blame it on another employee or transfer me to new people on the phone. I want my balance in my account to be transferred immediately without having to wait " 180 days '' which is far too excessive. Actions need to be taken on Paypal immediately for what they have been doing over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed hard inquiries with Transunion, XXXX, and XXXX. They have yet to remove these fraudulent hard inquires. I have already supplied my FTC report twice. This is why I am escalating this matter to you.
Product: Credit reporting or other personal consumer reports

**Capital One Auto Loan/Worst Decision I ever made in my life ; has been nightmare. ***I have car auto loan, been getting phone calls, voice mails, text messages, emails, original loan agreement to have a 15 day grace period to pay due after the XXXX of each month. Every month since car purchase coming up to 2 yrs ago Capital One does not acknowledge the contractual agreement & monthly reports me to credit agencies more than negatively impacting my credit. It has been emotionally/mentally chronically distressing. I have been monitoring their unlawful and deceptive actions daily ; they have been charging me late fees and reporting me & not once adhering to the 15 day grace period even after this past month when spoke to rep saying was granted then going right back to intrusive collection actions ; 2 mo. ago double charged, over drafted my bank account, I paid fees, addressed with Capital One ; only solution rep gave was to repo my car offering no resolution/solution ; my interest beyond very high ; credit horrible now ; currently being held unlawfully financially hostage ; their actions have been beyond unlawful, deceptive, and getting a car loan with this company was the worst decision I ever made. No one is on the same page or knows what is going on ; never any resolution, solution, and they never take any accountability or responsibility for anything pretty much do what they want cause they are so popular/powerful with their unfunny commercials on TV.
Product: Student loan

Subject : Formal Complaint - Potential Data Breach - XXXX XXXX XXXX Nelnet - CFPB XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding a potential data breach at Nelnet, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Nebraska XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX, Ny, XXXX my phone number XXXX. My account number with Nelnet is number is XXXX. 

I am concerned that my personal financial information held by Nelnet may have been compromised due to a data breach. I am concerned because of the recent public announcement of DOGE mblembers seizing the Department Of Education, specifically XXXX XXXX and XXXX XXXX. 

A data breach involving my personal financial information is a serious matter and could expose me to identity theft, financial fraud, and other harms. This information is highly sensitive and must be protected. Nelnet falls under the jurisdiction of the CFPB because They are a financial institution. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensures Nelnet 's compliance with relevant consumer financial laws and regulations regarding data security. Specifically, I request that the CFPB : * Confirm whether a breach occurred. 
* Identify the extent of the breach and what specific data was compromised. 
* Ensure that Nelnet takes appropriate steps to rectify the situation and prevent future breaches. 
* Inform me of the specific actions I should take to protect myself from potential harm. 
* Provide information about any credit monitoring or identity theft protection services that will be offered. 
I expect a written response within 30 days outlining the steps the CFPB will take to address this complaint. I can be reached at XXXX or XXXX if you require further information. 

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

In the process of rental home search I went to check my credit score. I noticed it is100+ points lower than 6 months ago. 

Investigatom reveals an abundance of inknkwn and unauthorized soft inquies. Additional research confirm my data was leaked in the XXXX XXXX XXXX Equifax data breaches
Product: Student loan

Shortly after I XXXX with my XXXX in XXXX 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further looking into my account I started to question the amounts of the loans as my tuition for school was significantly less that the amount of the original loan. I have on several occasions requested copies of the Master Promisary Notes for these loans and Navient has yet to provide them to me. At this point I am questioning whether these are in fact my loans or not. Also, the loan monthly payments that they are requesting are a significant financial hardship as they total roughly 60 % on my monthly income. I 've come to the point where I feel I have no options and not even sue what a next step would be to starting to resolve this issue. Navient has been far from helpful in this matter.
Product: Mortgage

I have been denied access to making payments online for my Wells Fargo HomeEquity line. I have been attempting access since XXXX XXXX. Was told that myaccount shows a previous Bankruptcy filing so I will never have online access. MyChapter XXXX Payment Plan Bankruptcy filing was discharged in XXXX XXXX ( sevenmonths ago ). The Chapter XXXX was filed in XXXX. This account has been paid asit should for the last 5 years and was not a part of the Chapter XXXX payment plan. 
I have attempted numerous times to request online access. In addition, my XXXXmortgage is with Wells Fargo and I have always had online access. I cannotunderstand why there would be XXXX separate processes within the same company. 
In addition, it is a hardship for me to have to call and wait " on hold '' time and timeagain each month to make a payment " over the phone '' when I could just as easilymake a payment in a couple of seconds online. I find this is an unfair practiceespecially since I met all the requirements under my Chapter XXXX Payment Planand paid this account every month. Based on the current Wells Fargo HomeEquity policy, I am forever penalized/banned from having online access to make asimple online payment because I filed Chapter XXXX. ( Even though I met all thefinancial payments on this account which, by the way, was not handled under theChapter XXXX Plan ). In addition, in my attempts to get online access, I was givenvarious responses on how to get access and I complied with each process that Iwas given. Here are my notes:XX/XX/XXXX Spoke with online services regarding getting online access. They sent me back to regular customer service. Was told that account should be viewable in 3 days. 
XXXX/XXXX/XXXX - Spoke with XXXX was told that I was unable to see account because itis still listed as being in Bankruptcy. Need to find out when this designation will beremoved. Spoke with XXXX ( XXXX ) in the Bankruptcy Dept. She submitted arequest to review the account for a status update so the Bankruptcy flag can beremoved. Requested that the loan be removed from Bankruptcy in order for online access. Requested that I check back by Monday of next week. She also notedthat they have the Discharge information ( Discharged XXXX XXXX, XXXX ) XXXX/XXXX/XXXX - Called, Request Denied ; not released. Per representative, request has to complete the audit and reconciliation process. Suggested I keep checking back. 
XXXX/XXXX/XXXX - Spoke with Customer Service Rep. With regard to online access, told tofax written request to XXXX - Faxed over request to be granted online access. XXXX/XXXX/XXXX - XXXX. 
Fax Result : OKXXXX/XXXX/XXXX - Called and spoke with Representative, she currently can not see the faxon their system - told that it takes 4 days to process the fax. Told to call back onXXXX/XXXX/XXXX. Informed rep that I find this process unacceptable and that I would becontacting the State of Maryland 's Attorney General 's Office because of thetreatment provided to a consumer in the State of Maryland.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX Experian - XXXX 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting or other personal consumer reports

Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX  Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. Capital One is in violation of their sec filings via their 10k,8k, and prospectus filing. On XX/XX/2024, an application/ security was rendered to Capital One, and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " Capital One '' understands clearly per their words in their sec filings ( prospectus ) that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and federally protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ) with the intent to invade tax liability while using CAPITAL ONE XXXX XXXX as a special purpose vehicle to transfer their liability. These actions are completely unacceptable, fraudulent, and willful non-compliant to laws and regulations that govern the company and are supposed to protect consumer rights.
Product: Credit reporting or other personal consumer reports

I am reaching out to you urgently regarding the fraudulent account currently appearing on my credit report. Despite numerous efforts to correct this issue, I am dismayed to discover that these inaccurate entries continue to persist. It is evident that your organization has not taken the necessary steps to resolve my concerns. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$5400.00} XXXX xxxxxxxxxxxx XXXX Balance XXXX {$5300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$1400.00} ''
Product: Bank account or service

I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled.
Product: Debt collection

Initially I was informed by XXXX that a debt was discharged on behalf of XXXX XXXX ' which I have no affiliation with. This dropped my credit score from XXXX to XXXX, just as I was preparing to purchase a new car, causing financial harm via increased credit rates. 

Now I understand it is from a company by the name of 'Professional Credit Service XXXX -- this is outright fraud. 

It appears they are attempting to collect on a debt in violation of Know Your Customer laws ; I did not consent to any account with either Consumer Cellular nor Professional Credit Service.
Product: Credit reporting or other personal consumer reports

They were paid in full. The XXXX XXXX XXXX lawyer. Knows I am not behind XXXX XXXX was paid. XXXX was paid in full. XXXX XXXX XXXX XXXX XXXXs over 7 years old XXXX XXXX XXXX is over XXXX XXXX XXXX. XXXX XXXX was paid in full.
Product: Mortgage

We are trying to work with the lender on a short sale after the bank refused to modify. we disputed the value of the property due to them not accepting an offer for less than the full amount. The assigned processor XXXX XXXX has been non-communicative throughout the process, not returning phone calls or emails, regarding the process moving forward. Once the new value was determined, we never received a counter offer or communication on the next steps. My real estate consultant sought out a buyer with a higher offer and obtained one 6 days before the scheduled sale date, on ThursdayXX/XX/XXXX. The offer was emailed in on XX/XX/XXXX. On XX/XX/XXXX, Monday ; No communication with the assigned processor, XXXX XXXX had transpired and the trustee sale is scheduled for XX/XX/XXXX. Notes were placed in the system by her, requesting a revised closing statement and additional documents needed in order to request postponement. This was communicated to my real estate consultant through XXXX XXXX. These documents were submitted to the servicer within the hour, to the loss mitigation email. My RE consultant called XXXX XXXX back and he ask that the documents be emailed directly to his supervisor, XXXX XXXX He said he would check first thing Tuesday morning to see that the docs are reviewed. She received confirmation that they went through at around XXXX  Monday night.

Tuesday morning, XX/XX/XXXX, my RE consultant, XXXX XXXX, spoke with XXXX XXXX regarding the need for a revised closing statement. She told XXXX XXXX that the requested document had been emailed anf faxed to 2 separate fax numbers. She asked if XXXX   would fax to her direct fax number. XXXX XXXX XXXX complied and called XXXX XXXX back to confirm. The customer service rep could not put XXXX XXXX in contact with XXXX XXXX or XXXX XXXX, and told her there is a note in the system that the sale could note be postponed without Management approval.

There has been little or no communication from the short sale department throughout the process of this short sale. There is no cooperation happening regarding assistance or even communication on this file. A family is being foreclosed upon needlessly as we have an offer at the servicers full valuation of the property.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX  XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed items to be blocked and deleted company information from Experian and XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX