23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2021 I filed a fraud disput with school first because I was cheated by the XXXX XXXX XXXXy who charged me for the service repair tgey never provided After all this time on XX/XX/2021 I received a letter that Schoolsfirst wants a proof of I paid a fee for the service which its {$150.00} XXXX email and the fax number doesnt work and they arent helping at all after all this time not only they failed to resolve now tgey caused me extra head ache This past Sunday I fell and broke my knee and my husband is out of country I am by my self and cant drive School first thinks I made all this up and disregard my saying that email they gave me wont go So without resolving my issue after 6 month they took XXXX {$150.00} out of my account
Product: Debt collection

DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do NOT owe a debt and my ALL CAPITAL LETTERS name, aka my legal fiction XXXX, aka my XXXX XXXX XXXX XXXX, is where the credit came from via my SOCIAL SECURITY card, which is a TRUST account, making ME the ORIGINAL CREDITOR.
Product: Student loan

I have my loans consolidated with XXXX XXXX. In XXXXXX/XX/XXXX, I was told that I had to re-certify to stay on the IBR plan. I sent in all of my information and uploaded my documents to the site as needed/requested. I contacted XXXX XXXX in XXXX because I still had not heard back from them regarding my new IBR plan/re-certification. That did n't make sense to me at all. I also continued to make all of my monthly payments and did not miss ANY payments. I was told that because I had applied for permanent/total XXXX, that my IBR paperwork had to be re-submitted. I was told by my doctor that even though I have XXXX  XXXX XXXX XXXX, that because I am still working that I did not qualify for total XXXX. I did not send that paperwork in. I STILL made all of my monthly payments while my account was in deferment. I did indeed re-submit my certification for the IBR plan in XXXX. In XXXX, my account shows DELINQUENT and PAST DUE. SEE BELOW. My IBR was approved for {$270.00} beginning in XXXX, yet XXXX XXXX is saying I am delinquent for the month of XX/XX/XXXX, yet I made a payment of {$220.00} which was my original payment and was made on XXXX XXXX for the XX/XX/XXXX payment. Now it is showing on my credit report as being 30 days delinquent. MY RE-CERTIFICATION PAPERWORK WAS SENT IN IN A TIMELY FASHION YET THEY ARE CHARGING ME {$1400.00} FOR THE MONTH OF XX/XX/XXXX. 

THEY ALSO WENT UP ON MY PAYMENT. I WAS PAYING {$220.00} AND NOW I HAVE TO PAY {$270.00}. WHY IS PAYMENT GOING UP? 

I AM MAKING PAYMENTS AND MY BALANCE IS NOT COMING DOWN. 

Last Payment : {$220.00} on XX/XX/XXXX Next Payment : {$270.00} Amount Past Due : {$1100.00} Current Payment Due : {$1400.00} on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX to correct and erase the charge off balance on the account listed below. They claim they are reporting correctly but they are not. They put a charge off on the account on XX/XX/XXXX. But the account was charged off in XX/XX/XXXX. They just added the charge off once my account was paid in full through garnishment. See attached. I want this account removed from my credit report the date of first delinquency was XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA. 

On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}. 

I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter. 

I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,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, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account. 

Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed alot of different errors on my credit reports including company Elan Financial which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also XXXX has been reporting late payments on my XXXX  report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private loan with XXXX PRIVATE LOAN RL. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I've had a closed account for the amount of {$2600.00} and $ XXXX   monthly payment with Navy Federal Credit Union and its been closed for over 60 plus  days. Navy Federal is still reporting inaccurate information about about me i.e late payments and an open account. This is fraud, identity theft and sabotage to me and my family and its also ruining my credit.
Product: Credit reporting or other personal consumer reports

Zelle, failed to clearly notify me that once money is sent, it can not be retrieved, even when it was sent with my XXXX  XXXX XXXX checking account to the wrong user on multiple occasions costing me over XXXX XXXX of dollars within the last two years. Unlike credit card or other payment services that always provide me with dispute mechanisms, Zelle transactions are instant and irreversible. The lack of upfront transparency has led to mistaken payments and fraud.
Product: Checking or savings account

I have been a victim of fraud. Someone has been using my accounts and check fraud. This has been happening since XXXX I have closed all my accounts. I recently tried to open a checking account, it wouldnt let me until I clear it.
Product: Money transfer, virtual currency, or money service

I found an instagram seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am showing a XXXX XXXX account on my credit reporting it is showing as settled. I did not settle this account. It was paid in full. I was told when i paid the collection agency that this account was going to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I noticed an old XXXX XXXX account which did not apply for. I filed an Identity Theft Report and submitted the documentation to XXXX XXXX as well as the credit bureaus. XXXX XXXX continues to report the fraudulent account after receiving the identity theft report.
Product: Credit reporting or other personal consumer reports

Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of Child Support Account # XXXX I am submitting this complaint regarding the false and willful reporting of a Child Support account ( # XXXX ) on my credit report by Experian, and XXXX. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities.

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This Child Support account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.
Product: Mortgage

United Wholesale Mortgage failed to give me 45 days notice period to purchase wind insurance. As per federal law, United Wholesale Mortgage is obligated to notify me and offer me 45 days period of time to purchase wind insurance. After 45 days they can apply a Forced Lender Insurance. 45 days never passed before they rushed into applying a Lender Forced Insurance, moreover was immediately applied in violation with the Federal Law. They have purchased insurance and charged my escrow account in violation with the Federal Law that is published on CFPB website.

This wind insurance charge was applied to my Escrow Account for unjust enrichment.
Product: Debt collection

I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him back.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX 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: Debt collection

XXXX was listed on credit report on XX/XX/XXXX. I responded to the collection agency on XX/XX/XXXX via certified mail to validate the alleged debt owed and not have received a response as of XX/XX/XXXX. Amount listed on collection report shows {$920.00}. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a loan with JG Wentworth the end of XX/XX/XXXX, and in XX/XX/XXXX they transferred the servicing of the loan to XXXX XXXX. 

I paid my loan on time, but in XX/XX/XXXX JG Wentworth reported my loan as 30-days late on payments ... ( the loan was sold to XXXX in XX/XX/XXXX ). 

I attempted to correct this problem but JG Wentworth will not return my calls.
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  Account Number : XXXX Account Name : XXXX XXXX  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 am writing to formally notify you that I have been a victim of a data breach that has resulted in fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following fraudulent accounts and hard inquiries from my credit report immediately. 
XXXX Accounts XXXX. XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$39000.00} XXXX. XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$560.00} XXXX XXXX XXXX  ( Account # XXXX ) Opened : XX/XX/XXXX {$240.00} XXXX. XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX {$170.00} Fraudulent Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020, a transaction was made for {$460.00} from my checking account. The transaction was made through a vendor I have used in the past, XXXX, but was not authorized by me. It was a money transfer to an account that I am unaware of, have no relations to, or ever gave permission. It was a fraudulent charge so I called chime and cancelled my card and requested a new one. I filed a dispute twice and was denied because they claim there was no error. I contacted XXXX XXXX  and they confirmed that my account never made the transaction. This is 100 % a fraudulent charge and I believe if the problem was actually investigated and the account receiving the money was looked into, it would prove that I did not authorize any transaction. I have not even received an explanation as to why I am denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is fraudulent and was deleted previously from my Equifax credit report : XXXX XXXX XXXX, the account is fraudulent and was previously deleted from my credit report, but has reappeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've tried to fix this false reporting with XXXX last month and they didn't update the late payment/debt collection I had. I need this late payment that is being reporting on XX/XX/2022 to be update I was never late. I have attached the letter I sent them, and they have no proof of this error they are reporting. This has dramatically affected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed ASAP.
Product: Payday loan, title loan, or personal loan

My husband recently became very ill and was hospitalized until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX  to do a credit inquiry, and I certainly did not sign an application for it. On XX/XX/XXXX, XXXX a credit inquiry was done. Under 15 US Code 1681 this is fraud and I demand it to be removed.