23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I settled XXXX accounts with XXXX on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX XXXX XXXX  correct. I had to fight to have them fix XXXX XXXX that agent said its recorded I settled all XXXX accounts but the representative didn't close the XXXX XXXX correct nor XXXX. So then they fixed only XXXX XXXX. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from XXXX. I have spent over XXXX hrs on the phone. Countless calls and now they sold the debt. I filed with credit carma they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other XXXX accounts finally show. I am begging for any help. Over XXXX yr later all the late. Thank you
Product: Debt collection

On XXXX I received a letter from this collection agency in response to a debt validation letter I sent. This letter that I received from the collection agency had my personal medical records attached. I did not sign a HIPAA form authorizing this collection agency to access my medical records. This company is also reporting these items that violate HIPAA on my credit report and I truly feel distress. Please delete this information from my credit file and cease all collection activities immediately.
Product: Debt collection

They call me multiple times a day/week. Its only Wednesday morning and Ive already been called 8 times since Monday. I already told them at the beginning of this month I cant pay because Im on medical leave and will be filling out paper work for them. 
Monday XX/XX/24 called once at XXXX. 
Tuesday XX/XX/24 called 6 times from two different numbers XXXX, XXXX, XXXX, twice at XXXX, and XXXX. 
Today Wednesday XX/XX/24 once so far at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these items a while ago about XXXX XXXX XXXX XXXX XXXX. 
After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my Transunion account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b It is illegally to report any information on my credit report without my permission .please remove this item from my credit report.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Names, is XXXX XXXX XXXX And I'm writing to you about this company that is report to the credit bureau. I have complained about this before. To the credit bureau they keep saying very thing is correct and I know that's not true. i need ( CFPB ) to help me with this matter. I decided to call the company. XXXX ( AKA ) XXXX. And ask them to mail me the contract that i sign and they did. I read contract and that is not my names. on the contract. similar to name but not the same spelling. And i sign a contract it would have the right spelling. and my signature would be right and not wrong like it shows.. I ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

This is my fifth attempt to resolve this issue, and I have received no response from XXXX, Experian and XXXX. I am filing this complaint as a last resort and request your prompt assistance in resolving this matter.
Product: Checking or savings account

On XXXX XXXX, I deposited a check from my insurance company XXXX XXXX XXXX for {$3900.00} with Chime and now theyre saying they dont have the funds. 

None of the agents know what they are saying, XXXX said I had a 10 day hold and encouraged me to cancel my check and take it into a bank instead. 

They cancelled the check and when I went to deposit it at XXXX XXXX they said the check had already been cashed, this is confirmed by the Accounting Department from XXXX XXXX XXXX and have the email and contact details to confirm. 

The account department said the check was cashed on XXXX XXXX and taken out by XXXXChime , yet Chime is lying now saying they dont have the money!!! 

Someone stole my money!!! I need my money!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelles 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 CFPBs 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. This lack of account and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I noticed a new account on my credit report which took at least XXXX point of my credit on the top of it appears in my credit report all of them XXXX, XXXX, experian affecting me in a really disgusting way. This account doesnt belong to me its been opened illegally and reported to that lender. You demand Im under the law the inmediate removal of this item account that I dont reconize as mine. Searching the internet I have found that this SELF company through XXXXXXXX XXXX is misleading people offering a credit builder account that instead increasing the score take points and it appears on my credit as an installment loan which I ever authorized or have use or recieve from them.
Product: Credit reporting or other personal consumer reports

On my credit report there is a hard inquiry from the XXXX XXXX XXXX This inquiry is scheduled to fall off my credit report in XX/XX/year>. It is now XX/XX/year> but the hard inquiry has not fallen off my credit report. Please remove/ delete this hard inquiry from my credit report immediately please.
Product: Credit card

I was a customer of XXXX XXXXXXXX XXXX for many years. My account was terminated by the bank due to a XXXX  XXXX XXXX  on my record. 
I called XX/XX/2024 and requested the credit card statements for 2024 in order to file my taxes. 
The agent tried to send the statements via email but was unsuccessful and he forwarded the case to a XXXX. He told me it will take approximately 10 days to receive my statements. Today XX/XX/XXXX, I have yet to receive any of the documents requested. I reached out to Goldman Sachs customer service again. Spoke to an agent and then was transferred to a XXXX ( XXXX ). I asked why the company hasnt sent over the documents requested and why was the timeline not respected. She informed me that because this was placed under the XXXX  they do not have to deal with me and that all communication should be facilitated through an attorney. 
She also said that my original request for the documents is an open case with no completion time stated. There is no way of knowing when this request will be completed. 
I have informed her that access to my financial records is a right that I have under the FCRA ( Fair Credit Reporting Act ) and that Goldman Sachss is in violation of federal law. She said the case was escalated and that I need to wait longer without any actual date to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXXXXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}
Product: Debt collection

No validation of debt was provided with original debt owed or original contract. I dispute the debt and amount.I don't have any written contract with this collection agency. I will not be paying this debt.No valid license to collect debt was provided.
Product: Debt collection

I bought my house in XXXX back in XX/XX/2018 we had XXXX XXXX with our previous house so we decided to transfer our service with our new house. However XXXX XXXX could not get service to work in our guest house and refused to acknowledge the problem I became annoyed and cancelled my service. Within a few days of getting my service turned on with XXXX XXXX. I tried XXXX and was not thrilled with their Data usage so I decided to give XXXX XXXX another try and they told me they would fix the problem with my guest house. However the day XXXX XXXX was due to set up service the Tech called me and he was at the wrong address. A couple streets over there is also a XXXX XXXX XXXX XXXX but we live on XXXX XXXX XXXX XXXX Due to the  way XXXX XXXX is they said they could not fix the address issue without cancelling service first and they would not be able to turn service on for at least two weeks. This was not a feasible option for us as my daughter needed the internet for college. So I cancelled with XXXX XXXX and ultimately decided to go with XXXX again. At this point I did not have any outstanding bill with XXXX XXXX. 
I received a call a while back from XXXX XXXX and the man on the phone stated I owed XXXX XXXX money it was around {$100.00}. I told him I absolutely did not owe any money to XXXX XXXX and I have my bank statements to show it, he looked at something and then said oh yeah I see the mistake Ill correct it. From my understanding XXXX XXXX corrected the error that I had an outstanding bill. I also can not find the account number that this Radius XXXX is claiming I had through XXXX XXXX. Attached are all the account numbers I could of possible had with XXXX XXXX from my previous house and the times I cancelled and set up service. Of note I also never received a bill from XXXX XXXX with the account number they are claiming I owe. Please look into this as I take my credit very seriously and do not appreciate a big company such as XXXX XXXX coming up with a bill out of the blue and sending it to collections. See the attached receipts as well.
Product: Debt collection

Eastern Account System, trying to collect incorrect amount of debt to XXXX XXXX has reported adverse information to XXXX. I wrote to them and explained that I had not been credited by XXXX for several months of service outage, and so the balance they were showing was incorrect. I gave them the name and phone number of the XXXX tech who advised me to call XXXX for outage credit : XXXX - ( XXXX ) XXXX. XXXX can verify my account of matters. XXXX conformed to me that XXXX lacked the infrastructure to provide adequate service in my area. 

I would like for Eastern Account Systems to immediately remove the adverse and incorrect information they have filed on my credit report, and to communicate to me that they have done so.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX a college that has been closed and sued for misconduct. The XXXX administration even approved this past XXXXXXXX XXXX XXXX student loan forgiveness for all federal loans that were apart of this school/misconduct fraud. Somehow navient a private lender whom I'm not even sure how much loans got broken up from federal to private another misconduct from that scam of a school. Anyway I applied with an application to Navient for school misconduct forgiveness they have since denied me twice stating there is no misconduct or that I do not meet the requirements?! How vague is that?! How does XXXX lender and President see misconduct and navient is going to pretend otherwise. I want justice.
Product: Money transfer, virtual currency, or money service

Wellsfargo would not reimburse or chase down a charge on the XXXX platform. 
they did not provide a secure site and a merchant took my funds ( {$100.00} ) and never shipped item. 
Attempted to collect from XXXX and WF but they said they were not liable because I initated the tranaction.

Nor did they follow up to find the banking information of the merchant and get my money.
Product: Checking or savings account

I have been charged overdraft fees for years causing my account to go negative
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 XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX and XXXX, and XXXX XXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a fraudulent account. Ive never done an business with XXXX XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with PORTFOLIO RECOVERY ASSOCIATES several times to no avail. PORTFOLIO RECOVERY ASSOCIATES refuses to provide me with the documentation Ive demanded them to provide me with, PORTFOLIO RECOVERY ASSOCIATES, refuse to remove this account out of my name and off my credit report.
Product: Checking or savings account

WE, XXXX AND XXXX XXXX WERE SCAMMED BY A COMPANY CALLED XXXX FROM DELAWARE. WE PAID THEM {$3500.00} CHK # XXXX ON XXXX-2016 AND ANOTHER {$5000.00} IN 2016 USING THE SAME CHECKING ACCOUNT XXXX XXXX XXXX WHICH IS NOW PROSPERITY BANK. THEY TOOK ADVANTAGE OF US AND THIS IS SENIOR CITIZEN ABUSE. THEY DID NOTHING AT ALL FOR US. WE TRIED TO CONTACT THEM @ XXXX AND THE PHONE # IS NOT IN SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I sent letters to Experian describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX FRAUDULENT REPORTING XXXX FRAUDULENT REPORTING XXXX XXXX  FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Product: Consumer Loan

I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.
Product: Student loan

Each year i was given a choice on how much of a loan I wanted, books, tuition, room and board, food ... no parental supervision around me I chose to take the maximum that was available to me thinking i have 4 years before i need to pay anything back. while attending XXXX XXXX I visited my guidance counselor several times a year looking for guidance on what my career path should be. The proper guidance given my results from the numerous test they gave me should have been to leave purdue and attent a XXXX XXXX and enter the work force. After 6 years and 5-7 changes in my major I graduated XXXX and and wound up going back to school to become a XXXX XXXX. Now in the work force I owed over {$50000.00} working in my dream job making {$10.00} per hour. no choice but to deffer it as long as i could. now I owe over {$100000.00}
Product: Checking or savings account

I filed a dispute with Bank Of America and they provided me with one of the provisional Credits for a fraudulent transaction but not the others. 

I had multiple fraudulent unauthorized transaction on my debit card and they have yet to reverse the charges or provide me with a status update. 

I also filed a dispute for an billing error and no actions or provisional credits have been provided while I wait for the results. 

I have bills to pay and I would like this expedited Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In addition, accordance with the Fair Credit Reporting Act 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 : also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I applied for a capital one account and i was told i already had one in which I've never known about
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report again, I realized that one particular account is still erroneous. The 3 credit bureaus are required to authenticate this particular account please investigate the unverifiable account : XXXX XXXX Balance : {$27000.00}
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit reporting or other personal consumer reports

I have identified accounts on accounts on my credit that are results of identity theft. These items are not related to any transactions caused by me. .I have read my rights to have any information blocked and removed pursuant tom15USC 1681c-2. Please honor my request and remove these accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and LVNV funding, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

A few weeks ago I checked my credit report and my score had fallen over XXXX XXXX points from the last time Id checked it. I found that I had a debt collection charge for almost {$7500.00} which I had not accrued. This debt is not mine and I dont know what to do about it. I called the company and they said it was certainly fraud, my credit score is different at all three bureaus and the account charges for these debt collections have conflicting opening dates. They said I could pay them {$400.00} to fix this problem two weeks ago but I did not want to get scammed again so I hung up.
Product: Mortgage

XXXX XXXX, 2017 CFPB : XXXX XXXX XXXX JPMChase refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX, IL XXXX XXXX