23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I responded to an offer by Citibank to pay off my existing credit cards with a 0 % offer for 18 months. I responded and requested them to pay off XXXX credit cards with XXXX for a total of {$3800.00}. I submitted both requests in the mail. I was later informed that the offer expired sometime before they received my request or by the time they submitted it to XXXX. But they made the payments on my behalf however the interest rate would be 21.26 % instead of 0 %. I called and asked if the offer had expired then why transfer funds without giving me the option of accepting the 21.26 % or rejecting the transfer. There response was I should have submitted the transfer earlier. I did n't think that was a responsible way of dealing with credit and customers. Unfortunate for you Mr . Customer.
Product: Debt collection

On XX/XX/year> I was contacted by Williams & Fudge via text message.They claimed to have a debt from XXXX XXXX XXXX XXXX for {$150.00}. While I do owe money to XXXX. Its not {$150.00} its {$120.00}. I am still paying on it and I am not sure why XXXX  sent it to collections. Williams and Fudge Inc has not sent me a letter asking me to verify this debt. They have blatantly violated the Fair Debt Collections Practices Act by not sending me a letter 5 days after making contact. Today is now the XXXX of XXXX. Thats 4 days over the 5 day period. I provided them with a screenshot that shows I only owe {$120.00} on XX/XX/XXXX through text message. They are continually harassing me and it needs to stop.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 funds 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 accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Student loan

Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a XXXX to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Vehicle loan or lease

Santander Consumer USA has been subjected me to illicit and predatory practices. Upon paying off the car note, I received a final bill for undisclosed fees that I had to pay in order to receive the tile of the car. On XX/XX/XXXX I received a Notice of Intent to Repossess stating that a payment of {$2500.00} is due on XX/XX/XXXX. AFTER MAKING a paiement of {$500.00} XXXX XX/XX/XXXX. When asked what was the remaining balance, The company representative informed me that the new balance was {$3.00} XXXX. 

My payment schedule was 72 Payments. The car was purchased in XX/XX/XXXX. 

Year/ Make/Model XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE CHARGED XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX DOWN PAYMENT XXXX
Product: Debt collection

Preferred Credit has continued to call us within minutes of each other to let us know our payment is late even during the grace period before its actually late. We let them know our payment would be late due to us  having a XXXX. Today on XX/XX/XXXX, they called twice in a row 3 minutes apart after already leaving a voicemail. Having worked in collections myself, I happen to know this is not legal. We have a XXXX   XXXX  and this has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX Is saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.
Product: Mortgage

I have asked the company several times. Actually about 10 times to stop calling my jo. The company will not stop and have continued after stating NOT. My account has notated at least 5 times. They refuse to stop. I am asking that they stop calling XXXX immediately!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and noticed some inquires that I had no knowledge of. I reached out to the companies to see if this was a mistake and they said it wasnt. So XXXX claiming it as identity theft. I have no accounts associated with any of these creditors. Ive already submitted an identity theft report with the FTC based off these companies that inquired on my report : XXXX on XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Deluxe auto Finance XX/XX/XXXX Exeter Finance LLC XX/XX/XXXX Please look into and removed from my credit file immediately. Again I have no credit history or any open accounts with these creditors and it is illegal to tie me to an account XXXX not associated with, by law.
Product: Vehicle loan or lease

I'M A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION WITHOUT ME : I want to remove this accounts, please dispute this accounts because it's a fraud
Product: Credit card or prepaid card

Capital One secured credit card advertised as guaranteed approval. Denied credit card. Process lead to a Hard inquiry which has affected my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXX XXXX SERVICES IN THE AMOUNT OF XXXX, CREDIT XXXX XXXX XXXX XXXX THE AMOUNT OF XXXX, XXXX XXXX SERVICES XXXX, PXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX BANK AMOUNT XXXX. XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXX Pros to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea XXXX more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states XXXX XXXX XXXX XXXX XXXX take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than XXXX. 
15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used on applications for XXXX XXXX and Discover Bank Credit cards. I did not apply for these credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a manager at XXXX XXXX XXXX XXXX offering to pay a charged off account for deletion and was advised that the account was with collection agency XXXX XXXX XXXX. XXXX advised that if I called them and paid they agree to delete the account from the credit bureaus. I paid and the account has not been deleted. 

I also called XXXX XXXX XXXX  and had the same conversation with a manager  offering a pay for delete and was also told that they would have the account removed after I make the payment. I made the payment and the account has not been removed. 

I am requesting that Equifax delete XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
Product: Credit card or prepaid card

I received marketing correspondence from Mastercard saying they would offer me cellphone insurance once I started paying my bill with their card. I had a claim and submitted it through my primary insurance at XXXX. I submitted the required documentation to Mastercard but they denied my claim saying they needed an itemized repair receipt. XXXX  has the right to repair or replace your phone and XXXX  replaced my phone and billed me for the replacement deductible. I don't have an itemized repair receipt because of this.
Product: Credit reporting or other personal consumer reports

I submitted a complaint regarding my identity theft claim on XX/XX/2024. I received a response from the credit bureaus stating that they will not comply with section 605B ( 15 U.S.C 1681 C-2 ) which states that they are to BLOCK these fraudulent accounts off of my reports within FOUR days of receipt of the letters that I forwarded to them via CFPB. I have not seen any change to my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$8900.00}
Product: Debt collection

XXXX Chase bank- a collector from Chase bank called and told me that I owed a debt for my deceased roommate ( not a relative ). The collector told me that they were going to put a lien on my property ( car ) and bank accounts until the debt was paid. 

I told the debt collector that I didn't know anything about the debt. I told them that I do not owe his debt and that he is deceased. 

This call upset me so much, I went to the manager of the apartment and told her what happened. She helped me call chase to report this. During this process the person at Chase hung up on my manager twice. She finally got through to the manager, XXXX XXXX. 

The agent was rude to me and rude to my manager. I want to report this because I do not want it happening to others.
Product: Checking or savings account

I believe I am part of the class action lawsuit for fees on my checking account I had an account in XXXX for a few years
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX / XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX : XXXX, 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 : 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

In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
Product: Debt collection

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident
Product: Debt collection

I was contacted by I.C. System, INC. about a medical debt from XXXX XXXX. On XX/XX/XXXX I went on their website and payed the entire balance listed, Which was {$600.00} by ECheck. Listed at the bottom of the confirmation page was the following statement " Once your payment is successfully processed, your account owing to XXXX XXXX will be listed in our records with {$0.00} balance ''. That amount was taken from my bank account on XX/XX/XXXX. This debt was paid off in full yet I am still receiving settlement letters. I received a settlement letter on XX/XX/XXXX and again on XX/XX/XXXX. Both letters list the balance as {$2600.00}. I am not sure why I am continuously being sent letters that claim I owe a large amount of money even though I have paid this debt. I have attached : the confirmation page on the I.C. System website that shows my payment in full, my bank statement showing I.C. System withdrawing {$600.00}, and both settlement letters I received in the mail. I assumed that the settlement letter I received four months later was a mistake so I did nothing about it. But now having received another one, I know that they are trying to scam me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
Agency Name. : XXXX XXXX XXXX Open Date : XX/XX/year> Account Number : XXXX High Balance : {$330.00}
Product: Debt collection

On an call this morning to XXXX XXXX XXXX  case XXXX by XXXXXXXX  at XXXX XXXX and I XXXX  her phone number and led to XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, she lied when she said the XXXX was from an old account I had with XXXX XXXX XXXX that I left in the negative A DEBT. I told her " NO '' not true that from all my former complaints you say you can't locate anything under my identifiers and 1. Halsted financial services LLC in XXXX told me under my SSN it is XXXX there. Then I called XXXX and they told me Yes it is your social security money and we don't get involved with social security benefits. I feel like XXXX is lying and are asking if the grounds to do so are there that the CFPB issue a fine against XXXX XXXX XXXX  and all for fraud that I owe XXXX XXXX XXXX XXXX please Investigate
Product: Checking or savings account

My debit card linked to my checking account was compromised in XXXX. I got a new credit card & was given a temporary credit but the transaction amount of {$78.00} was deducted again. So I filled another claim, and was given another credit for the same amount. Fast forward to today, the same amount of {$78.00} was deducted.
Product: Checking or savings account

A few months ago a fraud account was opened under my name with Bank of America. They ended said account, but now just this morning another account was opened and approved under my name. 

No action taken to protect my information.