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

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX account number XXXX, and XXXX XXXX account number XXXX have violated my rights. 

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX Subject : Dispute and Request for Deletion of Inaccurate Collection Accounts Account Numbers : XXXX XXXX XXXX | Balance : {$9600.00} XXXX XXXX XXXX | Balance : {$3600.00} XXXX XXXX XXXX | Balance : {$3700.00} To whom it may concern, I am writing to bring to your attention the inaccuracies in the collection accounts reported on my consumer credit history. Upon careful review, it has come to my attention that the information provided does not comply with the Metro 2 standards, which are essential for ensuring the accuracy and completeness of consumer credit reports.

I would like to remind you of the requirements outlined in 15 U.S. Code 1681s2 ( a ), which states that a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the current reporting contains obvious errors that need immediate correction.

In accordance with 1006.34 Notice for validation of debts, I hereby request validation of the debts associated with the mentioned collection accounts. Please provide accurate and verifiable information to substantiate the validity of these debts. 

Furthermore, as a result of the inaccuracies and potential violations of federal law, I am no longer providing permissible purpose for the reporting of this account on my consumer report. Therefore, I kindly request the immediate deletion of the mentioned collection accounts from my credit report. 

I trust that you will address this matter promptly and take the necessary steps to rectify the inaccuracies in my consumer credit history. I appreciate your attention to this issue and your cooperation in resolving it. 

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

XXXX XXXX XXXX has placed on my credit report of missed and late payments from XXXX. First of all this is not supposed to be on my credit report it is too old. Second there are no lates or missed payments and this needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Zelle through XXXX XXXX. This is the first time I used Zelle. I sent money to an individual expecting a product and they are not responding when I asked for a tracking number. XXXX XXXX  and Zelle and not responding to my complaints either. I got ripped off for {$220.00} and I want Zelle or especially XXXX XXXX  to reimburse me since they advertised the business Zelle. 

The individual I sent money to is XXXX  XXXX, XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX p.m.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, as they were already corrected from the other bureaus. You have 30 days to CORRECT these items listed below : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX  Balance : {$360.00} XXXX Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLate/Closed Late Dates XXXX
Product: Student loan

Navient has never communicated effectively about the repayment options and what it meant to hold a private federal student loan ( FFELP ) versus a direct federal student loan. They never reached out to discuss reconsolidation for a second time to take advantage of the federal government 's payment pause and they are purposefully dragging their feet on my reconsolidation now. I am trying to take advantage of the federal interest rate pause and they are slow walking my application. Not only that, but they have never communicated with me ( & others in a similar situation ) regarding this being an option and how to process the re-consolidation of the consolidation - I had to find out the information on my own and directly ask to receive the answers that this was possible. Navient deliberately withheld this information from me ( and others in a similar situation ), in my opinion. Had I been informed years ago, my student loans would have been on a payment pause or interest rate pause and I would have owed about XXXX dollars less than I owe now. 

My current balance is $ XXXX for my student loans. This is indentured servitude and unfair that because I took my loans out in the XXXX they don't qualify for the payment pause. This on-top of Navient not communicating about income based repayment and throwing my into forbearance instead during a 3 year period ( XXXX ) when I was struggling financially is predatory lending, plain and simple. HELP!
Product: Debt collection

I am filing a complaint against Diversified Consultants due to they are still reporting a derogatory account on my XXXX and XXXX  credit reports. This account has been removed from XXXX credit report. 

Diversified Consultants has yet to provide me with validation showing that this account belongs to me. I do not recall opening this account and have never had an account with XXXX. Therefore Diversified Consultants can not continue to report an account that does not belong to me. I am demanding immediate removal from my XXXX and XXXX credit reports.
Product: Vehicle loan or lease

I was scheduled to make my first payment XX/XX/XXXX in the amount of {$770.00}. 
I opted for a new due date. I wanted to change the date from the XXXX to the XXXX of the month. 
In order for this to happen, I had to make a payment {$230.00} to carry me over to the XXXX of XXXX. I made a {$250.00} payment. When the XXXX of XXXX came around they were stating I was late. I called back. I explained what I did to change the date. The representative did not seem to understand. To avoid arguing, I made promise to pay the remaining {$530.00} before the XXXX of the month in order to setup the new due date. I made a payment of {$530.00} on the XXXX of XXXX. Today I received notification that my account had been drafted in the amount of {$530.00} again. I feel like I'm being taken advantage of and they are not trying to listen and properly resolve the matter. I only want to make my payments on time and pay on the XXXX of the month. I am upset right now because the took {$530.00} from that I do not recall authorizing, plus stating I was behind on my payments. I wanted my money back but I'm not sure this matter will be resolved accordingly.
Product: Debt collection

On Thursday XX/XX/ 2022, Golden 1 Credit Union seized my checking account funds the day I received my payroll check. The used these funds to pay on my delinquent credit card issued by their institution. They seized {$2300.00} and have yet to contact me back about my dispute of this or my requests for a claim of exception or hardship. I placed a call to them XXXX Friday XXXX 2022 and was advised that a manager would call me back the following Saturday XX/XX/ 2022. I did not receive a call as I follow up and was told they did not have a Manager available due to staffing issues to contact me. I went into a local bank that same day to speak with a Branch Manager, that simply made a call to the same department I contacted and was reiterated the same, that no one was able to assist me. The Branch Manager confirmed with the representative that there was a request to contact me about the issue and that I should receive call no later than Tuesday XX/XX/ 2022. The representative also stated to the Branch Manager, that it "... probably wont help speaking to them as the funds will most likely not be returned. '' As far as collection tactics I had not received any written delinquency notices via mail or email to collect the debt. I was informed on XX/XX/ 2022 by the representative that they do NOT send any written correspondences to collect, but rather will attempt 1 phone call to collect and if no contact is made by the consumer, they will seized all account funds. I advised the representative that this was not fair and due to my financial hardship my phone has been disconnected a few times and the message was not received. She did not indicate any other correspondence that would have been sent prior to the seizure and only stated that it is within the terms of the agreement that this could take place. However within the agreement it does not indicate the collection tactics that are to be used. The representative stated they limit the communication so that the consumer does not close the bank account. 

Considering the climate of the financial instability, of which I had been impacted with a loss of Child Support income, and the inability to sustain my payments, I feel that this practice was unfair and inhumane. They offered not solutions or have made contact to assist me. I have XXXX  children and my income for employment is for our livelihood and they ceased all of my funds. The collection tactics are unfair.
Product: Debt collection

I contacted the debt collection agency via phone on Monday XX/XX/XXXX to dispute the debt in collection, since I was misled and unable to file a dispute on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX online as was indicated on their letter. I mailed a letter on Sunday, XX/XX/XXXX, in addition to calling, and followed up with a letter via over-night courier on Monday ( so I had proof of mailing ) following my conversation with a representative that threatened to damage my credit if I did not pay this debt. The rep 's behavior was extremely harassing, threatening, and unlawful. 

Please note both in my letter ( s ) and on the phone I asked for detailed information regarding the debt to be forwarded for review noting the home was sold and all utilities were transferred to new owners. There should not have been any balance due. This was met with a refusal to take action and a threatening rebuttal to damage my credit if the amount was not satisfied immediately! 

I was never forwarded any information. An unlawful submission was made to the credit bureaus and is now damaging my credit ( which I work hard to keep over XXXX ). 

The actions taken by the debt collection agency are unlawful and legal action must be taken against this firm and the representative who willfully took action to report me to credit agencies without taking any action to send me the information I requested to research the debt.
Product: Credit reporting or other personal consumer reports

CKS Prime investments bought the debt and then transferred it to a third party called XXXX XXXX XXXX. I settled the debt however they are refusing to delete this off my credit report as agreed.
Product: Credit card or prepaid card

On XX/XX/20 the full balance of the account was paid in full. 

On XX/XX/20 an interest charge was applied for {$76.00}. 

On XX/XX/20 I spoke on the phone to a Wells Fargo customer service agent who advised me that the fee would be waived and my account would be credited {$76.00} to offset the charge. 

I waited for some time and saw no transaction reversing the charge. 

On XX/XX/20, I initiated contact through Wells Fargo 's message center. 

On XX/XX/20, nearly a month later, I received a response stating : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 
I apologize for the delay in our response. 
I received your email regarding the charge of {$76.00} that is showing in your account. 
Our records show that on XX/XX/20, we processed a reversal of the fee. 
You'll see the adjustment on your next billing statement. '' It's now XX/XX/20, and my next billing cycle, and there is still no reversal of the charge. 

The least sophisticated consumer in this case would likely have taken Wells Fargo at their word and assumed the charge would be reversed. This would have created a situation where the account would continue to roll forward in delinquency and impact the customer. This is an unfair or deceptive practice. It's preying on unsuspecting consumers, many of which are experiencing a terrible time financially. It just so happens I actively use and pay the account and have monitored the situation. 

I've now worked through a phone contact, email contact, and a CFPB complaint. My next step will be to consult with an attorney if this is not resolved.
Product: Mortgage

I CONTACTED WFHM REGARDING A FINANCIAL HARDSHIP THAT WAS APPROACHING TRYING TO PREVENT FROM BECOMING BEHIND ON MY MORTGAGE. DURING THE PROCESS I DID NOT AGREE WITH THE PACKAGE THEY PRESENTED SO I DID NOT ACCEPT THE OFFER. DURING THIS TIME I COMPLETED MY REGULAR PAYMENTS HOWEVER I WAS NOT ABLE TO MAKE MY PAYMENTS ONLINE WHICH IS MY NORM. DURING THIS TIME WELLS FARGO DID AND PROCESSED ANOTHER ESCROW ANALYSIS. THE ANNUAL ECROW ANALYSIS STATEMENT DATE WAS XX/XX/XXXX THEN ANOTHER STATEMENT CAME OUT ON XX/XX/XXXX, LESS THAN 30 DAYS LATER. 


HOW IS THIS LEGAL? I DID NOT SWITCH INSURANCE PROVIDERS ... NO ONE FROM THE ESCROW DEPARTMENT EVER REACHED OUT TO ME EVEN AFTER I REQUESTED A CALL BACK FROM MANAGEMENT. 

I DID NOT ACCEPT THE REFINANCE OFFER BECAUSE THEY WANTDE TO MANIPULATE MY PAYMENTS TO HAVE IT APPEAR THAT I WAS 3 MONTHS BEHIND ON MY MONTHLY PAYMENTS WHICH IN THE LONG RUN IS NOT HELPING ME OR MY FAMILY ... .IT WOULD ONLY DAMAGE MY CREDIT AND SINK ME INTO A DEEP PIT OF DEBT.
Product: Credit card or prepaid card

I received a credit card offer in the mail from Wells Fargo Bank, and filled out a online application on XX/XX/20. They called me a few days later and said they needed me to go to a bank branch and show them 2 pieces of mail with my name and address on them and my drivers license, which I have never had anybody ask me to do before. But I went to the branch on XX/XX/20 and talked to XXXX XXXX and he faxed my papers to the credit card center, on XX/XX/20 I got a letter from them saying they would not offer me a credit card because my identity could not be verified. I have a 50 year perfect credit record I have never been turned down for anything. My application # is XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account has been in consilidation for a year and it's still showing up a closed account on my credit. I reach out several times to the credit bureaus and I been having a hard time. Can this account be removed ASAP. 

15 U.S. CODE If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector shall not communicate further with the consumer with respect.
Product: Money transfer, virtual currency, or money service

In the past XXXX weeks I have received multiple email funding requests from someone posing as XXXX requesting that I authorize a payment to them online to them. 
I have forwarded these scam emails to XXXX and asked them to report these people to whatever government authority who has the ability to prosecute these crooks.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Lexis Nexis an affidavit because I saw inaccurate information on the report I received and a car that never own, they send me a letter saying they can't authenticate my dispute because of identity, but how when I send a clear picture of my ID and got the letter notary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2018, I submitted a payment to XXXX XXXX in the amount of {$460.00}, which is the required monthly amount, from my XXXX XXXX XXXX XXXX. I submitted this payment, despite the fact that my XXXX payment had not posted, and would not post until XX/XX/2018. The payment for XXXX would be due on XX/XX/2018. This payment was made 5 weeks before the due date. I was informed when I contacted XXXX throughout the month of XXXX, and most recently on XX/XX/2018, that the following was the series of events. I was informed by XXXX agents that XXXX, after receiving the payment request, contacted XXXX XXXX to inquire as to whether I had an account with them, as per their normal procedure. This request for confirmation was received by XXXX XXXX on XX/XX/2018. As per XXXX XXXX 's internal policies, this request for confirmation was to be responded to within 7-10 business days. I was informed when I contacted XXXX at the end of XXXX, that this confirmation had not been returned to XXXX by XXXX until approximately XX/XX/2018, which was eleven days after it was initially received. Due to this failure on XXXX 's part, the payment was not submitted in time by XXXX to cover my XXXX payment. On XX/XX/2018, I contacted XXXX XXXX and was informed that the payment had been received, and that I would not need to make any additional payments. I was assured that once the payment had been processed, it would be applied to my account, retroactively, to XX/XX/2018. Today, XX/XX/2018, I received correspondence stating that no payment had been received, but that some payment had been applied to XXXX. 

While trying to deal with this issue, I did make an additional payment for XXXX on XX/XX/2018, in the hope that it would be processed before my payment due date on XX/XX/2018. Given the contradictory information XXXX has provided, I am demanding that the two payments I have made, dated XX/XX/2018, be applied to XXXX, and that the payment I authorized on XX/XX/2018, be applied to XXXX. This is not a new issue, as evidence by my previous complaints. I demand that these payments be made, and applied to my account immediately.
Product: Credit card or prepaid card

My XX/XX/2017 payment to Capital One was not able to be made due to the online system being unavailable. Aprox 24 hours before the payment date I attempted to login into the online system where I was going to pay my bill from and received the message that the system was temporarily unavailable to login and received the same message the day after. I called capital One to make one of the representatives aware of the situation but they seemed very unhelpful and I was finally able to pay my bill on the telephone and they told me they were making note of the fact about the login problem but never had any correspondence of any kind back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX # XXXX, has violated my rights. 

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
Product: Debt collection

Amount : XXXX Received a debt collection notice on XX/XX/2024. Call the office and disputed the transaction asking for final itemized bill. Was told I will receive in 3-5 business days but never received it. 

This was reported to credit bureau without resolving the the dispute and never received the final itemized bill.
Product: Credit card or prepaid card

Bank of America has issued a credit card in my name that shows up on my XXXX credit report : Account number XXXX Account type Credit card Date opened XX/XX/2022 I never applied for, nor have I ever had business with Bank of America. Bank of America refuses to close this card.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

They call us all the time and now they are calling relatives that live thousands of miles away at work and harassing them. They can not call relatives unless they are trying to locate is which they have already. They have illegal collection tactics. They need to be kept on check.