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

On XX/XX/2022, XXXX XXXX XXXX, US DEPT ED, DPT EDXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX US DEPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, XXXX breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling and disputes, particularly in light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I am a victim of identity theft. My information was used and shared without my consent. I did not authorise any opening of accounts. This is illegal and a violation of my consumer rights. 

BAY AREA CREDIT SERVICE, started to report as of XX/XX/ that I owe them {$3200.00}! the original creditor is XXXXXXXX XXXX XXXX XXXX. this report was placed on my credit and is now in collection. 

I have contacted the company on my behalf, and told them I don't owe them and that debt doesn't belong to me.
Product: Debt collection

This item from my credit report, it is illegal to report information on my credit without my permission according to FCRA section 605B
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Checking or savings account

I paid someone {$400.00} using " pay friends '' feature on the chime banking app. they have the information of the person i need refunded from because she is also a chime member. they told me they cant help me but i paid for something ive never received and i have all proof needed.
Product: Debt collection

I received no mail correspondence or phone call from Amsher Collection about a debt that is not mine for a XXXX XXXX acct I do not have. I do not have a contract with XXXX and I requested to get any proof that they have to legally send this to my credit and didn't receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
Charge-off : 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance {$750.00XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Contacted debt collector that this is not my debt. I do not have a PayPal account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and XXXX XXXX XXXX need to stop attempting to collect money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage refinance back in XXXX of XXXX. I authorized them to pull my credit at that time. 5 months into the process, the refinance is still not completed to no fault of my own and JP Morgan Chase bank decided to pull my report again in XXXX of XXXX. I did NOT authorize this second hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.
Product: Checking or savings account

My bank Moneylion was asked for a dispute help on 3 transactions that was taken money out of my account by a company called XXXXXXXX XXXX They sent me an email stating there was no error in this dispute and didn't credit my money back I have spoken with XXXX customer service they even stated the bank should have provided u with the money back. They even used my virtual card to take my money off my account. And I did not once authorize it. XXXX told me I would have to go file with the headquarters but I would have to go face to face. I can't do this I don't have the vehicle to drive to the companies head quarters to get this resolved. And when I filed na appeal with Moneylion hey wanted all this extra proof documents and such to provide to them for the team to even start na appeal on the wrong dispute action they gave me. What do I do this is not right. I don't have any documents besides the transaction history on my account which they already have access to it all. Ugh. It was 3 transactions and used my virtual card. I don't even use that thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Product: Mortgage

XX/XX/XXXX XXXX XXXX sold our loan to Mr Cooper XX/XX/XXXX we paid off the mortgage to Mr Cooper and we received a Paid In Full letter and the release of our lien. We were told the escrow would be sent. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext. XXXX ) She said escrow had been sent, but she would re-send it because I hadn't received it. 
XX/XX/XXXX spoke to XXXX XXXX. ( ext,XXXX ) She said the escrow would be re-sent. 
XX/XX/XXXX spoke to XXXX. He said the escrow would not be re-sent. I should wait. 
XX/XX/XXXX spoke to XXXX. She said the escrow would be re-sent. 
I have not received any mail, notice, check, anything from Mr Cooper since XX/XX/XXXX
Product: Credit card or prepaid card

This is not a duplicate complaint. Chase has not taken the corrective actions it stated it would to resolve my prior complaint, and the company has not returned repeated phone calls. Please see my feedback to XXXX. 

Background : My mother passed away XX/XX/2020. At the time of her death, she had {$220.00} worth of Chase Freedom rewards points. A private banker at a Chase branch redeemed the points for her estate on XXXX XXXX, and later said a check would be come in the mail within 30 days. Six months later, the check has not come. No check has been cashed by her estate. I am the executor and trustee of my mother 's estate ( see attached documentation ). 

Update : In response to my last complaint, Chase said it would issue a new check for {$220.00}, if I signed and returned a Declaration of Lost Cashiers Check form. I originally faxed back the form at least a month ago. No check ever came. 

A representative at the executive office told me to resend the form with the lost cashier 's check number included. I did that, and faxed the form two weeks ago. No check ever came. 

Last week, Chase informed me that a new representative had been assigned to my case. He has not returned repeated messages.
Product: Credit reporting or other personal consumer reports

Experian has added XXXX XXXX XXXXXXXX back on my file after I requested to get the fraud alert removed the rep from the fraud dept refused to do it and said I need to send in documentation but I refuse to do that because I already done that too many times. The account was supposed to be blocked by Experian but Experian add the account back on my credit report and I didnt apply for this account nor I had this card before and I think the fraud rep was angry at me because I hung up on her and she put the account back on my credit report XXXX XXXX XXXX
Product: Mortgage

I was refinancing my loan with MLD Mortgage and we closed on it but they did n't fund the mortgage for a week and did not repay me the interest for that week. They also stated that they would not charge me for the closing cost but it appears as though they still did. After 2 months of me paying my mortgage directly to them ( without them providing me with an amortization schedule or an idea of how my payments were impacting the principle ) They then sold the loan to XXXX without reimbursing me the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card that was never received. The hard inquiry on my credit report hurt my credit score and I would like it removed.
Product: Credit reporting or other personal consumer reports

Form 1099-C - Discharge of Debt was filed by XXXX XXXXXXXX XXXX XXXX XXXX with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by XXXX XXXX XXXXXXXX XXXX XXXX  because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS. 

XXXX XXXX XXXX XXXX XXXX has failed to notify me the year following the filing and has failed to update account number XXXX to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. XXXX XXXX XXXX XXXX XXXX had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. XXXX XXXX XXXX XXXX Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$620.00} XX/XX/XXXX expressing fraud and asking for help..No response. I have been disputing for yrs. 
XX/XX/XXXX nothing.. 
XX/XX/XXXX asking to prove the debt..nothing I even did a consumer complaint..this account FRAUD..not me
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

XXXX  and equifax are reporting an account on my credit report called XXXX XXXX  XXXX  as open with a balance and the account is really closed with a XXXX balance. I have reached out to XXXX XXXX  XXXX  and they said that it is reporting XXXX balance on their end but the credit bureaus XXXX  and equifax are reporting the account wrong.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is impossible for me to have opened or managed these accounts during that time. 

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. 

I demand that you immediately : XXXX a thorough investigation into these fraudulent accounts. 
Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. 

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. 

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. 

I trust you will take this situation seriously and act accordingly. 


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: Debt collection

This company is listing an unverified account as closed charged off but listed payment status as past due as {$3900.00} which is illegal to the cras. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Mortgage

My wife and I bought our home in 2019 with what we thought was a VA loan. All the paperwork was done through Wells Fargo, and it was notarized as a VA loan, then the day before we were to make our 1st payment, I received a letter stating that Wells Fargo turmed my VA loan into a conventional loan without notice prior. They said the VA denied my loan request. I contacted the VA and they said the no one had contacted them from Wells Fargo and that I was eligible for a VA loan an in good standing since I just paid off my last VA loan with the selling of our old house. The VA said they could not do this, I sent them the signed paperwork, but I have not heard anything back, It is going on 4 years now. How can a bank just change your loan after you have signed everything? I have spoken with Wells Fargo many times and they said they are looking into it, but the loan type has not changed. 

Thank you for your time, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Zelle. I tried numerous times to get my money back when it was sent to the wrong recipient and they did not assist me in that event. They just let it go so I would like to file a complaint against Zelle.
Product: Debt collection

I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.
Product: Debt collection

I received a phone call on my employer 's phone ( I am employed through XXXX XXXX ) at which time I provided my cell phone number to the worker for all future contact. Today ( XXXX/XXXX/16 ) I received another phone call from the company on my work phone.