23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.
Product: Student loan

I am an XXXX XXXX I have an education award. On XX/XX/2024, I authorized a payment in full to Nelnet, which was confirmed by the XXXX portal. For what would not be the first time, Nelnet has decided to deprive me of XXXX  by refusing to credit this to my account. Their customer service is not working today. I am instead asking for Nelnet to be fined, my money reimbursed and a written letter on behalf of Nelnet to credit agencies admitting the company 's negligence
Product: Mortgage

Fay Servicing is sending people to my home and trespassing on my property in an attempt to collect a debt from my deceased father. I am in Florida. The property is in Connecticut. I am in no way associated with my deceased father 's mortgage or property. I have requested the company to stop sending representatives to my property and I was told they have no control over who comes on to my property. My father is not listed as an owner on my property and my mortgage is up to date.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

1. Failure to Provide Proper Notification As a joint borrower, I was never notified of the repossession, deficiency balance, or sale of the vehicle. The lender only sent notices to my co- borrowers address, which is not my residence. This failure to notify me properly violates standard repossession procedures.

2. Lack of Required Documentation I have never received a Notice of Intent to Repossess, Notice of Sale, or Deficiency Balance Notice, which are required under consumer protection laws. Chrysler Capital has failed to provide proof that they followed the correct process.

3. Unverified and Potentially Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ), XXXX must verify the accuracy of all reported accounts. If Chrysler Capital can not provide proof that I was properly notified, the repossession must be removed from my credit file.
Product: Debt collection

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A partial payment was made on this day, prior to XXXX. A month later, I received a final billing statement with the final amount due, which I paid immediately in full. About XXXX of XXXX, I received a phone call from someone ( not sure who ) saying I still had an outstanding amount for {$100.00}, but they couldn't tell me what it was for ( note : this was over two years after my XXXX ). I then asked for a detailed billing statement because I wasn't going to pay for something until I knew what it was for. They couldn't even tell me the date ( s ) of service. Two months later I received the detailed billing statement and it showed a {$0.00} balance, so I did what any reasonable person would do. I ignored it assuming they had made an error on their part. XX/XX/XXXX, I received notice from a collection agency. The amount due was {$100.00}. A week later I received a phone call from the collection agency about the amount due. I subsequently told them I would mail them a copy of the billing statement that shows a {$0.00} balance and I didn't owe anything. I also informed them in writing to stop contacting me. XXXX XXXX I received another statement from this collection agency demanding payment of {$100.00}. The same company I explicitly requested not to contact me, and if they did, they would be violating the Fair Debt Collection Practice Act ( FDCPA ), and they did just that. Not only that, but they sent me a copy of the detailed billing statement, but the difference between their copy and mine was the " Balance Due {$0.00} '' was omitted. Imagine that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX, has violated my rights by reporting the following on my report : DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

WFHM XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WFHM customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX  years, my credit score did NOT show details and people have been using my Social Security Numbers to commit XXXX XXXX XXXXs, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of Transunion, XXXX, XXXX and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Product: Credit card or prepaid card

I have a joint Bank of America credit card account with another individual with whom I no longer associate. We have made several attempts to remove my name from this account, placing full responsibility of the account in the other individual 's name. 

Most recently, we were able to reach customer service representatives on XX/XX/2022, and they mailed out a paper document that was to be signed by both parties and returned by USPS or by fax only. We returned the fully executed document by fax by XX/XX/2022. 

As of XX/XX/2022 I am still on the account. I contacted Bank of America for a status update, but they are unable or unwilling to provide me with further information. This account has a XXXX balance, and has had a XXXX balance for the last few months. 

It seems inappropriate that a financial institution can hold individuals hostage using opaque and antiquated methodologies. This has been an extremely frustrating experience, and has completely soured me on doing any business whatsoever with Bank of America moving forward.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRA. XXXXXXXX XXXX posted an inquiry in XXXX of XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2020 and XX/XX/2020, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX | XXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

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

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, XXXX XXXX and Equifax credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.
Product: Debt collection

I contacted DIVERSIFIED ADJ SVC on XX/XX/25 at XXXX in regards to a collection being reported on my XXXX, XXXX and XXXX credit report. On a recorded line, the representative by the name of XXXX of Diversified confirmed that their agency is no longer in charge of the debt. I told the agent that the inaccurate information needs to be removed from my credit report. Agent responded by saying good luck and abruptly ended the call.. 

I have never received any documentation regarding this debt from debt collector. Debt collector is falsely reporting negative information on my XXXX, XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXX time frame using log cabin XXXX XXXX Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX high school in XX/XX/XXXX for 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state..

Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was 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. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My complaint is in regards to my Apple/Goldman Sachs general credit card. I opened the account in XXXX XXXX XXXX  and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately XXXX %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my Apple/Goldman Sachs card. 

Right now, today for instance, according to my XXXX  credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX  balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because Goldman Sachs has not reported correct information. XXXX  says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show Apple/Goldman Sachs has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on XXXX and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - XXXX  is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at Goldman Sachs at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but Goldman Sachs continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with XXXX they tell me I can not dispute it and that I have to just wait for Goldman Saks to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the first CFPB Complaint I submitted requesting the removal and deletion of the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter with complete atachments of my personal identifying documents with the FTC report I received from the FTC for reporting the fraudulent activities I found on my Credit File. I made research on how to remove the fraudulent items off of my Credit File and found that under the protection of the Fair Credit Reporting Act section 05b, I can request to the Credit Reporting Agencies to conduct an investigation on my Credit file and remove any accounts and information that resulted due to the fraudulent activity. Once again, I am requesting that the Credit Bureaus remove the following items off of my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that the Credit Bureaus send me copies. However, if the Credit Bureaus find no such documents, immediate deletion of the disputed items is to be expected.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX of XXXX, I agreed to an XXXX month, no interest loan for $ XXXX with XXXX XXXX for my bathroom remodel, aka XXXX XXXX XXXX XXXX with the rep who came to my house. I could have paid the amount in full at that time but because I have an outstanding credit score, about XXXX, I wanted to make the payments to keep or even increase my score. So I divided the XXXX by XXXX and came up with a monthly of {$550.00} with {$550.00} for the XXXX month. I then set it up on auto pay with XXXX My then fiance was present in all of these discussion. So about XXXX XXXX months ago, I noticed my balance was more. So I called XXXX and asked whats going on. I was then advised that my financing was being financed by XXXX XXXX  whose information like address or tel no was not known by the rep. She then told me that I was on a XXXX yr loan with a 5.99 % interest rate. I dont have the reps no anymore so I contacted the other office person I spoke with about my loan. She told me she no longer works for the company and all my files were with XXXX XXXX Called the latter and I believe I spoke with a XXXX who confirmed that I had the loan with the interest. I paid this loan on time. I am disputing the finance charges.