23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I discovered that bank account had unauthorized transfers to some person name XXXX XXXX via XXXX from my Wells Fargo bank account. There were 4 different transfer amounts : {$12.00}, {$290.00}, {$250.00}, and {$190.00}. I contacted my bank the next day I believe and processed a claim. They gave me the claim number # XXXX and also closed my online account information and closed my bank account and gave me a different bank account number. On XX/XX/XXXX, I checked on my account and there were more transferred scheduled for XX/XX/2022. And even though I called Wells Fargo on XXXX XXXX about the situation, they gave me a new case number, Claim # XXXX, and disconnected XXXX from my Wells Fargo account, but they could not stop the scheduled transfers and on the XXXX, more transfers took place, this time out of my new bank account number. This time, in amounts of {$1.00}, {$190.00}, {$250.00}, {$290.00}, {$190.00}, {$60.00}, and {$9.00}. I called back on XX/XX/XXXX and they said I had to go into a bank branch to verify my identity. I did that and they said they would send me a letter about the case in 10 business days. Around XX/XX/XXXX or so ( I don't know when because I had left the country by then ), a letter arrived to my father 's house, which is my address on file with the bank, stating that they had closed the case and would not be refunding the money because I had authorized the transactions. I called back to ask about how to appeal and they shut down access to my online account and I can only do reactivate it by going into the nearest branch. I live and work in XXXX so was not able to do that. They sent me to an international branch that was 2 hours from my home, but that branch no longer existed when I made the trip to that branch. I called back and again said I had to go to a local branch. When I explained I couldn't, they told me I can have my dad who is a co-owner of my account go into a local branch to do that. I asked my dad to do that for me, and when he went to the branch, he was told they couldn't help him. I called the fraud department back and after much " communication '', they finally allowed me to verify my identity through the phone through a series of questions that only I could know. I was finally able to get back into my online banking information. But when I asked about the fraud case, they said I can appeal by proving that I was hacked. I am an ordinary citizen, I don't know how to prove that I was hacked.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account and Account Numbers listed below 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 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: Money transfer, virtual currency, or money service

As a continuous user of Zelle, I am concerned with the handling of my money that I send via the app Zelle. When concerned with the issues Zelle offers no investigation of transaction, whether it be recovering or tracking fund that have been sent out through my account. This neglect that Zelle has been doing, that the CFPB has found indicates that Zelle has left users vulnerable to scams, and untraceable transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}, {$160.00}, {$100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account.
Product: Mortgage

Shellpoint Mortgaging Servicing, the servicer for the lender, XXXX XXXX a trial 90 day payment plan with insufficient time to make the first payment. I sought out an investor for my family 's home, and we were asking Shellpoint what the following payments would be, as to secure the necessary funds. The first payment was due in 10 days. We told my representative ( SPOC ) 10 days was not sufficient time to make the first payment, and asked for an estimate as to the following monthly payment amounts. The SPOC said the 3 month, {$13000.00} would have to be paid first, only then would the following payment amounts be calculated. I sought out additional info at Shellpoint with the same answer, as the sale date advanced. 
I shared this info with an attorney at my Chamber of Commerce, saying the XXXX could assess any amount after 90 days, which could be {$10000.00} or so. I was also to have received a contract from Shellpoint to sign, I never received that. 
We believe an offer was made on paper that could not be met within the time frame allotted. We could have/can meet the monthly {$4500.00} amount. 
Meanwhile another letter arrived during this time. This was a demand letter for the full amount, {$900000.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A BUNCH OF HARD INQUIRY ON MY REPORT THA SHOULD NOT BE THERE SHOULD NOT BE THEREON MY REPORT
Product: Checking or savings account

Dispute transaction on XX/XX/year> for fraudulent transactions and I received a email the next day saying my dispute was completed and no errors occurred I dispute over XXXX transactions all fraudulent and I provided a police report the transactions was for XXXX and I received a temporary credit for XXXX and they never investigating the other transactions and they said they wouldn't investigating them I want my other funds
Product: Debt collection

The company calls consistently from various numbers and never gives any information as to the nature of the call. Each representative says that in order to release any information about the call, I had to provide all of my sensitive information including social security and annual income. They also refer to the call as a " personal matter ''. 

When I tried calling the number listed on my credit report and also listed on their website, it goes straight to voicemail and no one has returned my calls. 

I have never received any written notice about this collection account and they were never able to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied application to XXXX XXXX for a credit card and i was turned down buy consumer reporting agency for no credit history the reporting agency was equifax i have called twice switch you all over place and never get to a live person my application id from XXXX is XXXX have run my credit score XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I moved from XXXX to XXXX, XXXX in XX/XX/2017 should have no effect on credit score whydid citi bank not use other reporting agency beside just one thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and have never had any contract with the following companies. I MUST DEMAND the original promissory note, and not a copy of a contract or statement coupon. In reference to caselaw XXXX XXXX XXXX, the absence of a valid promissory note would, XXXX undermine any cleaning to any assumed that. No promissory note means you have no valid claim. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires present meant of the account in general ledger statement, signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. ( XXXX ). The following accounts be removed pursuant to FCRA 605B and title 15 USC 1681 c-2. Any attempt to collect a debt is actually alleged indirect action. May be held liable pursuant to title 15 USC 1681n and 15 USC 1681o for willful or non-willful negligence the following inquiries were never consented on my behalf and i never gave permissible purpose. 

INQUIRIES ; Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and the company is trying to hold me responsible for this debt. XX/XX/XXXX I learned that a company by the name of XXXX called me requesting a payment, and in XX/XX/XXXX I received a bill from this company that's when I learned that I had been a victim of identity theft. 

After researching this company I learned that they offer loans to people for home repairs. I do not own a home, and the home I live in is my boyfriends. 

I wrote to this company and explained I had been a victim of identity theft, and the debt does not belong to me. Furthermore, my income would not have supported a loan of that amount. As I receive social security and I'm a XXXX  citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX WY XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX OF XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023
Product: Debt collection

I received a letter from Helvey & Associates Inc in XXXX requesting payment ( in collections ) for a XXXX XXXX XXXX that I never received and I am dealing with identity fraud/theft issues. I have mailed them a formal request for the proof of the original billing statement and have NOT received, yet received another collection notice in the mail today. XX/XX/year> stating I need to pay this by XXXX. I will refuse to pay until they send me the formal information I have requested. 

If not, they need to stop collections on this account and send it back to XXXX XXXX so they can provide me with that information. 

Thank you!
Product: Bank account or service

Dear Sir or miss On XXXX XXXX I buy a airline ticked with my debit car net Spend to fly to the XXXX XXXX from XXXX XXXX Wyoming the ticket was {$350.00} however the whether was bad the streets where close and I dint make it to the airport I call the airline 2 day before to tell them the situation I also call my credit card company They told me to submit the my airline ticket witch I di it after few days they give me a refund for the XXXX them they took it again is XX/XX/XXXX and I am still in Wyoming trying to get my money back but they say no the case it has been close and they are not going to give me my money I di everything they told me to
Product: Mortgage

I initially acquired this mortgage through XXXX XXXX XXXX. during the months of XXXX owning this loan, XXXX XXXX XXXX made an error with my escrow account which once I had CFPB involved, ( They forced place HOI on me while I had correct HOI ) the remove all late payment and accepted fault and remove all late payments from my credit report. 

Shellpoint mortgage then acquired this loan and I am having the same issue with Shellpoint mortgage. I had to pay my own taxes for the period ending XXXX of {$2500.00} and while still escrow monthly. 

Shellpoint completed a new escrow analysis and is coming up with a total escrow monthly of {$640.00}. whereas my annual taxes is {$3200.00} and Insurance is {$1400.00}. 

I called the county where I live and verified that the taxes for 2020 would be {$3200.00}. and spoke with my insurance company who indicated my new annual premium is {$1400.00}. therefore my total taxes and HOI would be {$4600.00} / 12 = {$380.00} monthly. 

Shellpoint wants me to escrow for $ XXXX monthly. at the end of their analysis, they came up with escrow shortage of {$1300.00} which I called shellpoint and paid off the complete shortage XX/XX/2020. 

Although I made the escrow shortage payment, shellpoint is still making me pay for the total shortage over 12 months. 

the concern I have is ; A ) I was denied waiving escrow as they are claiming I was delinquent in the rent 24 months which I was not. am not delinquent and paid my monthly escrow + had to pay my full simi-monthly taxes to county of {$2500.00} in 2020.

B ) Shellpoint came up with an escrow shortage of {$1300.00} which I paid in full and shellpoint still charge me a higher monthly escrow and did not credit the {$1300.00} to offset the escrow shortage. 
.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XXXX  ) XXXX XXXX XXXX XXXX . This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, Experian, and XXXX ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -Rajiv
Product: Student loan

I have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.