23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed this incorrect information over 3 times. The dates of payments made the monetary amount of payments made are incorrect. The dates of when the car loan was established is incorrect. The date of last payment is incorrect. The type of loan is incorrect. And the company performed an illegal repossession due to the fact they breached the peace by going onto private property to retrieve vehicle. Then I was never giving the location where I could retrieve my vehicle or my personal belongings that were in the vehicle as well as when the date of the auction and how much the vehicle sold for I was never given no information once they took the vehicle. besides all the incorrect information on the amount and dates of payment And the terms that were later changed in the XXXX XXXX loan provided by XXXX XXXX XXXX. I already disputed this with XXXX and XXXX was unable to verify the information that the company stated was true and verified so this item has since been deleted off of my XXXX XXXX credit report Equifax and XXXX have continued to lie and say that information carrying back verified and accurate, but how can it come back? Verified accurate if transfusion could not come back with information as verified and accurate hence the reason they had to remove it from my Credit report. Also Equifax keeps on sending letters saying that they need me to verify my information when I disputed the item I sent already a copy of my ID verification of my address a copy of my Social Security card. Theyre just stalling and not doing their job I need this off of my report since it is false and they are committing identity theft with providing inaccurate information that is against the UCC laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, IS STILL SHOWING A BANKRUPTCY THAT THEY STATED WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX AND THE STATED THAT THE DO NOT HAVE A BANKRUPTCY # XXXX SHOWING ON MY FILE, THEY MAILED ME THE RESULTS. 
I HAVE MAILED AND SUBMITTED ELECTRONICALLY TO EXPERIAN AND THEY HAVE NOT REMOVED THE INACCURATE BANKRUPTCY ON MY CREDIT REPORT, THIS IN ACCURATE REPORTING HAS HURT MY CREDIT SCORE!!! I HAVE NOT BEEN ABLE TO GET GREAT RATES OR OPEN UP ACCOUNTS BECAUSE OF THE BANKRUPTCY ON MY CREDIT REPORT. 
XXXX XXXX AND CREDIT ACCEPTANCE NEEDS TO BE REMOVED AS WELL, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE NOT HAD THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Product: Credit reporting or other personal consumer reports

I recently submitted a reinvestigation of said account, XXXX Department XXXX XXXX XXXX. According to USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ; A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. And neither of this information has been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. 
Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

I opened a checking account as a new checking customer with Wells Fargo via a promotional link in late XXXX. The promotion required {$1000.00} of electronic deposits ( completed via my work check with XXXX ) within 90 days, then a {$300.00} bonus payout to my checking account would occur within 30 days of hitting those requirements. I hit that {$1000.00} threshold in XXXX, and have kept the account open since. 

When I set this account up, I had a representative walk me through the set up to make sure I did everything correctly. I called another representative today ( XX/XX/year> ) and they were unable to identify why I didn't get the payout. Since that call, I've not received word or follow up on why the bonus payout did not occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, the XXXX XXXX paid my loan to Loancare, and in XX/XX/XXXX, I asked for more help, and LoanCare did not acknowledge the payment, and was charging extra late fees and trying to get double payments. XXXX XXXX and I both tried several times to get in touch with them to get a current statement reflecting the true amount due, and payment of the previous month. The payment was ready to be sent off at the end of XX/XX/XXXX, but despite our efforts to get an updated statement, he decided to pay it XX/XX/XXXX. Yes it was late, but still they had not gotten back to us. It is the only late payment on my credit report, and I asked them via email, to please get it off my report, so I could refinance at a lower rate, so I could afford payments. If they would have just responded, the payment would have been received on time.
Product: Vehicle loan or lease

I was 2 payments behind. After several denied attempts to make payment arrangements, I sent a direct same day money order to Wells Fargo and caught the payment up to date. Later that same day, after they confirmed receiving my payment ; they came to my place of employment and repossed my car. I had to pay expensive fees to get the car back and was never compensated for the costs. I have since paid off the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Information showing on my equifax credit report. 
I have disputed this information but they are refusing to remove this information from my report I have attached documentation of accounts in question both credit accounts and inquiries
Product: Debt collection

I had informed the Business they have the wrong person and no debt on my end but they keep calling my cell phone every day. I did block the number but they leave messages daily.
Product: Debt collection

This debit is not mine. The message left stated they would take legal action and inform my employer and I better contact them within 24 hours.

They called my mothers home and told her to have me call them back. She was given a case number and phone number. The man told her I needed to verify the spelling to my name as its shows on my social security card.

I do not owe this debit and never gave them or anyone premission to call my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian Background Checking reported to XXXX XXXX on behalf of XXXX XXXX that my birth year associated with my social security number is XX/XX/XXXX instead of the accurate year I was born of XX/XX/XXXX. This is even with my correct birth year of XX/XX/XXXX reflecting on my actual credit bureau report from Experian. On XX/XX/XXXX I filed a dispute with Experian to correct this information as well as provide XXXX XXXX the correct information for their reporting to XXXX XXXX. That same day ( XX/XX/XXXX ) Experian completed the dispute but never provided XXXX XXXX with the accurate updated information even though it was requested from them every 30 days following and I also specifically asked them to update the company as a consumer. On XX/XX/XXXX I received a denial of employment from XXXX XXXX stating Experian never updated the correct birth year, they just deleted my social security number on the report and they also never provided the correct updated year of birth of XX/XX/XXXX. I immediately filed another dispute with Experian online as well as via email. Both times the disputes came through as deletion of my social security number rather than updating the actual birth year. I then sent correspondence to open a dispute via certified signed mail on XX/XX/XXXX of which was signed for by an Experian employee on XX/XX/XXXX. No action was taken by Experian other than once again removing my social security number from the report. No update was sent to XXXX XXXX even though I once again requested them to do so as a consumer. I am sending yet another letter to them tomorrow, XX/XX/XXXX as well as filing a complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3700.00} There is no valid claim, no contracts exist ... account was settled with creditor by and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I have asked Caine and Warner to validate their claim of an old insurance debt. They have not done so. Therefore I believe that this debt does not belong to me or is not valid. I am asking for it to be removed from all credit reports.
Product: Checking or savings account

The bank siezed money from my account by using their internal XXXX feature. I did not request, send or give any information to anyone to make the transfers. I work as a military security supervisor and do not click links or open emails from people I do not know. This is most likely an inside job from an employee script or high level network programmer within the company. I contacted the bank through the mechanism they require and it doesnt connect me with someone. The phone lines they provide dont work and the Ai just sends me in loops which dont connect me to anyone. Have you had other people complain about this because there must be others. This feels like a larger scale operation and its putting people at high risk. What should I do?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 {$3900.00} has violated my rights 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.
Product: Student loan

I've been paying on this loan since XXXX. I have now paid a total PRINCIPAL amount on this loan of {$45000.00}!! The outstanding principal originally was {$23000.00}, and I paid it between XXXX and XXXX, which left an outstanding principal XXXX. I paid it down to XXXX in XXXX of XXXX, only to see the principal magically go back up again after " Interest Capitalization '' to XXXX. I kept paying on the loan and again XXXX was capitalized, even though I continuously paid on this loan in XXXX of XXXX, bringing the balance to XXXX. I have continued to pay on this loan every month and now the balance is XXXX. Yet, I have paid a total Principal, over the life of the loan, that is 3.5 times the outstanding current principal. According to the lender, I still have 10 YEARS to pay the remaining principal of XXXX. Based on the history of my payments and principal already paid, that would amount to just GIVING them an additional XXXX!! From a loan with an original principal of around XXXX, I don't understand how this is correct or not predatory practice to have me pay the loan in full at 3x the original amount issued. Can you help me? I would like to have the remainder forgiven or discharged, since I can prove I have paid 3x the current principal outstanding.
Product: Checking or savings account

Sent FOIA - XXXX, concerning a copy of check front and back bearing signatures on the check ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to access my Equifax credit report online because the 4 identity verification questions that Equifax asks me are always incorrect. The correct answer for each of the 4 questions is " None of the above, '' but the website tells me that the answers are incorrect. The questions are about loans that I've never heard of. I've tried at least ten times over the past 6 months to access my file online but the random " identity verification '' questions are always ridiculous nonsense that has nothing to do with me or my credit file. I can only request my report in writing from Equifax with 2 forms of ID every time. I think either their " identity verification '' system is completely broken, or the data is mixed up with someone else 's information. I've contacted Equifax customer support numerous times but they say there's nothing they can do about it. I've tried using XXXX and equifax.com directly, but the same problem happens. I've written a letter to Equifax customer relations but did not get a response. I haven't had any problem whatsoever accessing my credit reports from XXXX, XXXX, or XXXX online -- just Equifax. I XXXX " equifax identity verification questions wrong '' and there seems to be thousands of other consumers with this same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have an inquiry from Capital One Auto Finance on the date of XX/XX/XXXX in which I never requested. I had just financed a car through Capital One in the month of XXXX and that inquiry shows correct but this one is false. I brought up the issue on XX/XX/XXXX was informed That I would have make a report to get it handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2023 All three credit Bureaus reported my mortgage company XXXX XXXX XXXX  XXXX  ) sale/transfer to a different mortgage ( XXXX XXXX  XXXX XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same. 
A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX  Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX  Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally complain and express concern because of Zelles handling of disputes, especially in light of recent events with the recent CFPB lawsuits which highlight the significant issues I and others have faced using this platform. Zelle has failed to address and investigate my discrepancies adequately. I was informed that it would be impossible to recover any lost funds and that tracing was impossible. The findings of CFPB indicate that Zelle could not protect its users but instead neglected customers and made it possible for offenders to repeatedly violate and exploit the system against me. This left me vulnerable to scams. The lack of transparency and accountability, as well as the blatant disregard and is a huge risk of consumer safety
Product: Debt collection

On or around XX/XX/XXXX, I contacted this company to request validation of the debt in question, asking them to provide proof that it is indeed mine. Specifically, I requested all relevant documentation that would substantiate this as my account. However, I have never entered into any agreement or signed a contract to conduct business with this company. To date, they have not provided any of the requested information from the debt validation letter. Despite this, they continue to send bills with my name on them. I do not have any outstanding debts with this collection company, nor have I ever worked with or for them, meaning there is no contractual agreement between us. I have attached a copy of the original validation request letter, for which I have yet to receive the requested information.