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

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX,
Product: Money transfer, virtual currency, or money service

I have been a customer of XXXX via my bank account with Wells Fargo. For the past 5 years, I have been utilizing XXXX to pay my rent and to send money to friends when needed. It was not until recently that XXXXWells Fargo has provided a notice to ensure you are sending money to the intended beneficiary ; until recently, there was no warning, and if you sent money to the incorrect beneficiary, there was no way to retrieve the funds. However, there is still no way to verify the beneficiary prior to sending the funds. Typically, a bank, when setting up an ACH payment connection, would send test payments to verify the beneficiary and sender 's account details- this ensures there is not an unauthorized debit/credit on the XXXX network XXXX However, XXXX does not allow for this, which has resulted in my mistakenly sending money to the wrong beneficiary with no way to recover my funds.
Product: Debt collection

The first contact I had with this company they called me at my place of employment and stated that if since i was not going to validate my personal information to forwarded them to my HR for wage garnishment.I asked them not to call me at my place of work. They have called again and said told coworkers that there is a case filed against me, they call call from different number but leave the same callback number to call. They have called me from a XXXX XXXX number and a XXXX number and the company is based in XXXX. 
Global Trust Management also goes by XXXX XXXX and I have tried to explain to them that the online loan that they are trying to collect on from XXXX XXXX XXXX which is unlicensed in the state of Florida and I have a letter from the Division of Consumer Finance in XXXX that confirms that they are unlicensed and that makes XXXX XXXX XXXX uncollectable and unenforceable in the state of Florida. I have paid more than the principle amount on this loan.
Product: Student loan

The terms of my Chase Private Student Loan were not explained thoroughly, and I was not informed there was a default repayment date set, even though I was enrolled in school. While trying to maintain monthly payments, my private student loan went into collections, and then without warning or notice went into default. I am a student at XXXX XXXX XXXX in XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting this bankruptcy passed the statute of limitations.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Product: Student loan

Last 2 times I called : Nelnet XX/XX/24- said would mail ( received only past 2 years of payments ) XX/XX/24 - Said I need to wait 14-18 weeks to receive information as they don't have it currently. ( Last time they said this, I waited and again only got back 2 years worth of history, not the history of the entire loan ). 

XX/XX/24 - US Department of Education stated they do not have this information and the servicer does.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I their own admission, never had Validation of these debts they reported to the credit bureaus for all the years you have been broadcasting this unlawful reporting of these two accounts. 

This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

If you do not remove these collections from your systems I will sue you after 30 days has passed if you have not removed them - you are in notice and you have The proof and evidence attached. 

XXXX XXXX XXXX also unlawfully disclosed personal XXXX XXXX violation documents in their miserable attempt to validate this almost 6 years too late! They did not follow protocol.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Covergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I received a loan the amount of {$12000.00} dollars from Onemain Financial. I paid on this loan for 2 years ( {$420.00} ) until I lost my job due to my mental health.I tried several times to make payment arrangements that were not acceptable because my payments were to low. Onemain is currently sueing me over this matter and asking for {$14000.00} dollars. XXXX XXXX XXXX has filed a judgement, and wage garnishment against me that I can not afford to pay. When checking my credit report the debt I owe to the original creditor ( onemain ) has been charged off. XXXX continues to harass me on a regular basis, and its beginning to affect my mental health. Onemain is reporting incorrect information on my credit report which is also a violation of my consumer rights, and protections. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible. And tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX  Sir/Madam, I initially filed a complaint the week of XX/XX/year> to the CFPB that Toyota Financials offer to resume my monthly payments of {$440.00} on XX/XX/XXXX that I had accepted was switched back to XX/XX/XXXX without my consent. As a result, this contract offered in bad faith has put me over 2 months behind and risking a negative credit report today. 

The following events that have transpired since my previous complaint are as follows. 

I received a call on Wednesday, XX/XX/XXXX from Toyota Financing saying that I have a payment due of {$440.00} on the XXXX. I let the representative know that a payment will be made for that amount on Thursday, XX/XX/XXXX. However, when I went to my account on Thursday, I noticed that the balance due on XX/XX/XXXX was showing {$890.00} instead of the XXXX amount of {$440.00} the representative said was due XX/XX/XXXX. Then I got an email alert saying that {$890.00} had been scheduled to come out of my checking account on XX/XX/XXXX. This is a problem because I will be overdrawn by negative {$890.00} when that happens and I will get a {$10.00} fee for Insufficient Funds in my bank account. 

The line was clear when I called Toyota Financial back yesterday to try to talk to a representative to find out why a Toyota Rep initially gave me a balance due different from the balance due on my online account at Toyota Finance. However, the line became unclear immediately after I gave my full name to the representative. Right after I introduced myself, I heard a funny clicking sound on the call like someone was tampering with the line and then they disconnected the line afterwards.

Since then, I was overdrawn by {$890.00} and charged a {$10.00} insufficient funds fee by my banking institution.

Moreover, but for Toyota Financial changing the payment due date without notifying me I am now over 2 months past due instead of less than one month affecting my credit status.
Product: Debt collection

In XXXX of XXXX I sold my property and moved to another county. XXXX XXXX XXXX XXXX XXXX XXXX and Lueder Larkin & Hunter, LLC continue to bill me for alleged fees accrued after the sale of my property. I have disputed the debt with both aforementioned entities and have received no response. I have not received any communication about an alleged debt, but instead the property manager of the property I sold contacted me to advised Lueder Larkin & Hunter, LLC was attempting to serve me at his address. The property manager advised me that he advised Lueder Larkin & Hunter, LLC on XX/XX/XXXX that I did not reside at his address. Lueder Larkin & Hunter used a fraudulent affidavit of service in order to get a default judgement for a debt I do not owe at an address that I do not live.
Product: Credit reporting or other personal consumer reports

this is the XXXX company thats tried to collect on this same account that I have no obligation to at all.
Product: Credit card

They have contacted me multiple times Imagine credit card company theyre charging me fees and now were reporting on my credit history negative reporting in their terms of services states if you dont use it, youre not responsible for anything I would like to pursue them and charge them fees for trying to collect them debt and all the calls that I got letters and emails trying to collect a dead I dont o
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

I was living at the XXXX XXXX  XXXXXXXX XXXX in MD. I moved XX/XX/XXXX, XXXX My landlord would not renew my lease during the pandemic so the money I had, needed to be used to move., the landlord was harassing me to move until the attorneys generals office contacted her to let her know this could not be done, so in good faith I applied for the eviction prevention program back in XXXX, I received a message from the department to submit a letter from my landlord requesting the amount., the amount the landlord claimed I owed, was out of this world.. I lived in the apartment for 5 years so everything was normal wear and tear.. they never contacted me to let me know the eviction prevention program never contacted them..., as of XX/XX/2021, their collection agency have reported me to the credit bureau, no one ever contacted me about repaying the debt since the eviction program never issued a check.. I was just informed from calling the eviction program, my application was denied.. no one never contacted me. Had I knew I would have made payments arrangements to prevent this from being reported to my credit report, normally a credit contact you before they precede with referring you to collections.. this company was already mad, well XXXX was already upset that I reported her to the attorneys general office., therefore it was reported without contacting me first.. the XXXX never contacted me so I assume the debt was paid, even though they got over on me with the amount. This situation happened during the pandemic.. I didnt have the money to pay and move., in the process I caught covid and had to quarantine but of course they wouldnt care.. this collection has affected my credit drastically and would like for the debt to be removed, I was affected during the pandemic and didnt have XXXX dollars to pay.. I still fill like that amount was personal. They couldve at least reported affected by a natural disaster because I was,, hours was cut and everything on my job.. so how could I possibly afford to pay then XXXX and move. My moving cost added up to that because she refused to allow me to stay one more year.. when I begged her, her exact words was do you have family or a hotel you can take your kids.. so I was forced out during a pandemic with XXXX small kids.. had I not been forced out, the money I had I couldve paid my rent instead of using it to move..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service provided when issues arose and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX Date : XX/XX/year> To : XXXX, Experian, XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for amounts of {$6800.00}, {$3700.00}, {$540.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wrote a check to my doctor 's office against my XXXX account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a {$35.00} returned check fee. I reached out to XXXX XXXX  twice, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against XXXX accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them making two attempts to resolve this, but they made no meaningful effort to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last XXXX digits of the social security listed do not match my personal information. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is supposed to be removed from my reports the bureaus are still reporting XXXX XXXX XXXX continues to report a old account
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is allowing the furnishers to furnish information that is inaccurate to my credit report even after I notified them of my dispute. From my understanding this is a violation of 15 US Code 1681i and 15 US Code 1681e. The credit reporting agencies must follow reasonable procedures. From my understanding this company could be held liable under 15 usc 1681n for willful noncompliance
Product: Debt collection

PMAB is harassing me by re-aging an old debt to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, XXXX and Transunion the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!