23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I signed up for the REPAYE student loan repayment plan and direct debit of payment from my checking account. I paid {$150.00} according to the bill on XX/XX/XXXX and Fedloan Servicing deducted {$150.00} on XX/XX/XXXX. Yet they claim that I owe them {$150.00} on XX/XX/XXXX and have marked my accounts as delinquent. My loans are not delinquent ; I have paid according to the REPAYE plan and set up direct debit. I am not making twice as many payments as are required under the REPAYE plan. I plan on applying for public service loan forgiveness and need my loans not to be in delinquent status. I have contacted Fedloan Servicing, but they have not responded.
Product: Checking or savings account

Subject : Dispute of Unauthorized ATM Withdrawal Dear Sir/Madam, I am writing to dispute an unauthorized ATM withdrawal from my account that occurred on [ XX/XX/2023 ]. The transaction in question amounted to {$700.00}, and I have reason to believe that it was conducted without my knowledge or consent. I kindly request your immediate attention to this matter. 

Account Details : Account Holder Name : [ XXXX XXXX ] Date of Unauthorized Transaction : [ XX/XX/2023 ] Transaction Amount : {$700.00} I have carefully reviewed my account activity and found no evidence of any legitimate transactions or authorization for the aforementioned withdrawal. I have taken the following steps to ensure the security of my account : XXXX. Changed my account password and enabled two-factor authentication. 
XXXX. Contacted the bank 's customer support to report the unauthorized transaction. 
XXXX. Filed a police report with the local authorities, as advised by the bank. 

I understand that it is essential to investigate this matter thoroughly to determine the source of the unauthorized withdrawal. I request that you promptly initiate an investigation into this incident and provide me with a detailed explanation of the findings. 

In accordance with the Electronic Funds Transfer Act and the terms and conditions outlined in my account agreement, I kindly request the following actions to be taken : XXXX. Provisional credit : Please credit my account with the disputed amount of {$700.00} while the investigation is underway. This will help mitigate any financial hardships I may face due to this unauthorized withdrawal. 
XXXX. Investigation : Conduct a thorough investigation into the transaction to identify the individual responsible and to ensure the security of my account. 
XXXX. Resolution : Once the investigation is complete, please provide me with a written explanation of the findings and take appropriate action to rectify the situation, such as permanently removing the unauthorized transaction from my account. 

I understand that it may take some time to resolve this matter fully. However, I expect regular updates regarding the progress of the investigation and any actions taken to address the issue. Please communicate with me through my provided contact information or via email. 

I have attached copies of supporting documents, including the police report, for your reference. If there are any additional forms or documents required from my end, please inform me promptly so that I can provide them. 

I trust that [ Bank Name ] will handle this matter with the utmost urgency and professionalism, ensuring that my rights as an account holder are protected. I appreciate your immediate attention to this dispute and look forward to a swift resolution. 

Thank you for your cooperation. 

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

My Affidavit of Truth is not a dispute. I am an agent, consumer and natural person enforcing the Fair Credit Reporting Act pursuant to 15 USC 1681 that protect consumers. TRANSUNION has failed to rebut my Affidavit of Truth. TRANSUNION has sent me a letter stating that they need until the XXXX day of XX/XX/2021 to give me results and as of XXXX of XX/XX/2021 Transunion has failed to do their obligation as a corporation and credit reporting agency. I demand remedy for having to wait and no results were provided for me the consumer which violates my federal rights and the Fair Credit Reporting Act. I sent Affidavit of Truth with Exhibits on XX/XX/2021. On XX/XX/2021 a letter was written stating they needed more time. Transunion has failed to do their duty as a credit reporting agencies after maximizing their rights under the Fair Credit Reporting Act with 15 day extension on top of the 30 days. There is no excuse and I demand tracking number directed to me to make sure they won't use a deceptive way of saying they sent this information already by back dating letter. Transunion lie and say they verify information when verify is sworn under oath and under the penalty of perjury and the corporations the serve can not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.
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 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 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, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is paid in full with {$0.00} balance however XXXX and TransUnion continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. TransUnion always comes bdvk within 7 days as verified with no documentation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD MY IDENTITY STOLEN AND SOMEONE CREATED XXXX ACCOUNTS UNDER MY NAME SO XXXX TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX XXXX XXXX THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM XXXX XXXX OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

This is going on in a large scale. I was told by the operator over the phone. 
You change credit card numbers to avoid recurring charges from something you keep getting charged that you bought once. Well every time The bank gives me a new Credit card number VISA updates the merchant that you do not want the charges from with the new Visa credit card number issued. 

Because it is a recurring charge VISA updates the merchant. The idea a of getting a new number is to avoid recurring charges of nothing you do not want. VISA SHOULD NOT BE BE GIVING MY NEW ACCOUNT NUMBER PERIOD. 

Also I got stuck with the bill from the bank. THIS practice is Fraud and VISA needs to stop. The new number was for me to update who I want to pay. VISA has taken the liberty to do that for me. That is Stealing. 

This is going on in a large scale. 

Thanks XXXX XXXX
Product: Checking or savings account

I am a screenwriter who had a check cut for {$37000.00} en route to my house via USPS first-class mail from my Agency ( XXXX XXXX and XXXX ) the week of XX/XX/XXXX. The check was stolen before reaching my home. 

Somewhere between being dropped in the mail by the Agency 's Accountant and arrival in my mailbox at home, an individual cashed the check at a WELLS FARGO bank on or about XX/XX/XXXX. 

This individual signed his name on the back of the check and was given {$37000.00}!! The Wells Fargo teller obviously broke all protocol by not checking for ID and cross-checking with who is authorized to sign checks from the account. My name is the ONLY person authorized to sign and cash checks. Yet, this individual PRINTED HIS name ( he didn't even use a signature ) and was given the funds by the Wells Fargo Teller. I have a copy of the cancelled check and it 100 % is NOT my name. 

As soon as I found out ( after asking XXXX where the check was ) I filed paperwork with XXXX XXXX XXXX XXXX the issuing bank/XXXX XXXX bank ) that was submitted to Wells Fargo XXXX 11-months later, and after speaking to FIVE different people at Wells Fargo I am no closer to seeing the money that was stolen from me. 

It should also be noted that I am a member of Wells Fargo having both checking and savings accounts with them. ) Unfortunately, there is not even a contact Wells Fargo will give me for updates, etc. I have been told by people there Fraud will not even speak to you. 

I even opened a case with the XXXX XXXX Police department and they have said Wells Fargo is giving them the runaround as well. There should be video footage somewhere of this individual cashing the check. 

This is absolutely unacceptable. I know that my money is FDIC insured, Wells Fargo is legally required to give me the funds that were stolen. I am hoping you can be of help before I finally have to go and start a lawsuit, which will include compensation for all the time I have lost in this inane pursuit. 

I truly appreciate your help getting this resolved.
Product: Debt collection

After almost 4 weeks of trying to reach XXXX from cascade collections. She finally emailed me and told me to call her as she has very little options for payment plans. I called her and she started to tell me I need to get a loan or a family member to lend me {$5000.00} to payoff this debt as my {$100.00} set up payments are no longer allowed she also said if I disagree there will be a judgement against me told me she knows I never had any and I should try to get the money before it happens she asked me what else do I pay and to provide 3 months worth of paystubs than her and her manager can look over. I told her I have XXXX kids and the father of my kids is not with me. I told her I can not afford a lot. I really cant. She told me since there has been a retuned check she can not accept payment with checks I advised I can pay with debit card she said first I need to see if I can get a loan even from my XXXX and she asked what loan places I have used and I did tell her I have tried but I can not get approved I told her if when I get my taxes I would clear the balance she said with all those kids you get a good refund. She also stated if I can not do {$300.00} a month she is not going to accept payments and will sent to involuntary collections where my credit will be affected. I asked why if for the past weeks I have attempted to satisfy my delinquency? She didn't address that question and told me to send her 3 months worth paystubs. We have never had a written agreement she always was helpful up until now she did state her manager is the one telling her to not accept payments. She also asked if the father of my children pays child support I said no that I am currently working on taking it to court she asked how much you asking for child support I told her {$500.00} and she said I could use that once it starts. I am pressured and scared for my livelihood I pay XXXX of rent and my car and insurance is almost {$1000.00}. She and I had an agreement that they would wait for my taxes to payoff now they want the full balance and said her client ( XXXX XXXX XXXX ) Comes first
Product: Credit card

Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.
Product: Debt collection

I, XXXX XXXX did not authorize these companies to run my credit for their businesses or services
Product: Debt collection

The note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...
Product: Credit reporting or other personal consumer reports

I have several collection agencies on my reports with Transunion, Equifax, and Experian which I can not get them to send me a forward flow agreement to validate the debt and that they own it. They continue to keep the information on my report listed and it is inaccurate and causing my report to be reduced.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX illegally furnishing collection inquiries on debt without written permission. Lack of confirmation regarding the legitimacy of the debt.
Product: Credit reporting or other personal consumer reports

Company Name Experian I disputed an account with XXXX XXXX XXXX {$15000.00} ( Account # XXXX ) due to identity theft. This account has been successfully deleted from my credit report with XXXX, yet it remains on my reports with Experian. 
Despite my attempts to resolve this issue directly with Experian credit bureau, the erroneous account has not been removed. 
Request for Action : I request that the CFPB investigate this matter and assist me in ensuring that my credit report accurately reflects my credit history. I believe this ongoing reporting of incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I am including copies of relevant documents, including : XXXX 's confirmation of the deletion. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, [ Your Name ]
Product: Mortgage

My complaint is against XXXX XXXX XXXX XXXX ( Celink ). 
The company has failed to forward a disbursement request of {$43000.00} made by my mother from her Reverse Mortgage HECM Home Equity Account before she died. 

Full Complaint is listed at CFPB complaint # XXXX Please update the company name to XXXX XXXX XXXX XXXX + Celink
Product: Credit reporting or other personal consumer reports

I had my identity stolen and used on XX/XX/XXXX of XXXX  to apply for a XXXX XXXX credit card. I also have a fraudulent unknown phone number listed on my account. That number is ( XXXX ) XXXX.
Product: Debt collection

XXXX XXXX has an account that was put in my without my consent so someone stole my identity, I’ve gone to the police, filed a report, I did everything XXXX XXXX wanted to prove to them I did not set up or reside at the address where services were fraudulently used. XXXX XXXX has agreed to remove the balance and account yet the company that bought the debt won’t stop reporting it to the credit bureaus! Stevens business services out of XXXX MA is still reporting to the credit agencies and even tho I’ve disputed it they’ve said they won’t stop until it’s paid! XXXX XXXX the original owner of this debt agrees that it’s not mine so why is this company still reporting it? I don’t know what else to do! I’ve done what I’ve needed worked with police the company itself and the 3 major credit reporting companies
Product: Debt collection

XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. 

I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. 

They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. 

Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? 

I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX  Account XXXX XX/XX/XXXX days reporting XXXX. XXXX. XXXX XXXX  Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX  Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXX XXXX  XXXX  30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report. 

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX : {$5400.00}