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

Recently, as a resident of the state of North Carolina, where I have resided for over 52-months, I was given notice that a collection was posted against me by a collection agency known as XXXX XXXX, XXXX. They claim that I owe {$1900.00} on a XXXX account that was under my name 7-years ago before I was married. The account was under XXXX XXXX, but it followed me to my married name XXXX XXXX. This account, if valid can not be collected against me in the state of North Carolina that has a 30-month collection statue of limitations. Also, this account went into default well over 84-months ago. What XXXX XXXX XXXX XXXX did was pick up the collection information from a debt pool program, then changed or dismissed information to lead the credit reporting agencies to believe that they were handed a legitimate collection. Not even XXXX is in the equation on this, and I demanded accountability of the collection in XXXX of 2021. This was the response given to me through the XXXX XXXX XXXX XXXX, as follows : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. 
There was never any response mailed to me to show that XXXX gave permission to move on a collection against me, not in written form or by an electronic transfer agreement. XXXX XXXX XXXX XXXX is running a scam against me personally, and in violation of the Fair Debt Collection Practices Act, the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has also violated its subscriber agreement with all four pertinent credit reporting agencies, whereas they posted a collection that is not collectible, nor was there a standing agreement between the parties where any indebtedness occurred. XXXX XXXX XXXX XXXX believes that they can use a process of holding a persons credit standing XXXX, to collect on any debt that they maintain 100 % control on. There will be no disbursement to XXXX from XXXX XXXX XXXX XXXX if any payment arrangement is made as there is no legal debt owed. The 84-month timeline has passed is XXXX had any position on the original account. 
XXXX XXXX XXXX XXXX needs to have their rights to process collections with the credit bureaus, XXXX, Equifax, XXXX XXXX and XXXX respectively. This process must cease permanently, and my personal information must be purged by XXXX XXXX XXXX. 
I demand that XXXX XXXX, XXXX delete any reference to a collection against me from XXXX immediately and permanently. 
XXXX XXXX
Product: Credit card or prepaid card

An Amazon prime Chase Rewards was charged without my permission. I have a XXXX bank card as my primary on purchases through amazon.  About 6-8 months ago I applied to receive an instant {$50.00} amazon gift card during a purchase. Approximately XXXX I called the number on the back of credit card and paid off the purchase to a zero charge. 
On my prime amazon account, I carry 2 bank cards for purchase. My XXXX bank card is primary purchasing card. XXXX one day was verifying some purchases with me and I cleared them. However as I later learned Amazon kept the Chase card as the backup option and after my payment in full a purchase of {$43.00} was made in error without my permission it default to this card. I never receive any statement regarding this charge and its possible that it went into spam email as my emails are full of spam. 
I went to apply for a VA Loan with a credit score of XXXX and found a XXXX drop because I had a XXXX late on chase bank credit my score dropped to XXXX. First thing I have receive via mail was dated XX/XX/XXXX and arrived XX/XX/XXXX that I had a problem. Amazon agreed that it was there error for credit become default purchase card. I paid money owed and several fees however I was never notified and was not aware money owed and I am not get a resolution on my incorrect credit reporting and is now affecting my VA loan.
Product: Debt collection

I checked my credit report an noticed I had a new collections account that I had no knowledge of and it bringing my score down. I sent a debt validation letter on XXXX XXXX, 2017 and did not receive a response.
Product: Vehicle loan or lease

Hello- I have a loan with GMXXXX financial Acct # XXXX. I was a victim of fraud on XXXX/XXXX/XXXX and lost the balance of my savings and checking accounts at that time due to fraudulent activities. I files a police report with the county I lived in. This cost me more than XXXX in lost funds. The police department has been diligently working to help me recover funds from the significant theft. This also caused me to fall behind on bills I currently have. I have worked with all my creditors and my auto loan was affected. However, since then I have been current since XXXX on my loan. I have been having difficulty with them for awhile, Each time I speak with them a new amount is owed to them which was different than they last told me. In XXXX and XXXX I sent 2 payments on my XXXX XXXX XXXX which are now unrecorded. I contacted XXXX and let them know. On XXXX XXXX I logged into my account and saw that XXXX was owed and was n't reflecting a XXXX payment I made. This would have put my loan in advance. The very next day I was told my account was in arrears XXXX plus an additional XXXX due to a returned check. I had started to make a payment on my checking account however, reversed that payment and then used my XXXX which went through. XXXX proceeded to electronically complete the checking account transaction in addition to this. THis checking account transaction did not go through. XXXX has not recorded a XXXX payment and a XXXX payment. I then informed them, they did no research or ask questions. I informed them on or Around XXXX XXXX of the lost payments. They asked for evidence. I called my XXXX company and requested they address which took till XXXX XXXX to retrieve. On XXXX XXXX I made attempts to log into my XXXX account online and had no access. SO, the next day XXXX emailed the information to XXXX and sent a XXXX XXXXm for XXXX XXXX. The XXXX XXXX # is XXXX to confirm that sent payment. 2 hours later, the vehicle was repossessed. I told the gentleman I could provide evidence that it was paid when he arrived. He proceeded to say no, he forced repossession in front of my child. My employer has also stated they would refinance my vehicle as soon as it is returned to my possession for me so there are no further issues. However, they will not refinance it for me until it is returned. I am seeking out immediate assistance as I have a XXXX child at home and need the vehicle returned to transport her to medical appointments. This has become a serious matter. I also reported the incident to the PA Banking department in hopes of assistance. I am attaching the documentation for the 2 missed payments. I have also requested GM financial to send me paper statements instead of paperless as they do not always come through. I never get an account update and according to my records I have been current since XXXX and was paid in current at the time of repossession.
Product: Debt collection

On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Subject : Disputing Information in and on my Credit Report, Hard Inquiries I am writing to dispute the following information in my file, 10 hard inquiries. 
I was car shopping the last week of XX/XX/XXXX and all of these hard inquiries were put on my credit. 

I did not authorize or even know all of these hard inquiries were put on my credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 are listed twice on my credit report. My name is XXXX XXXX XXXX - XX/XX/XXXX - last 6 of my social sec XXXX XXXX  my cell XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the dealerships last week and they told me, they call check with multiple financing agencies to get a better interest rate for their customers. I had no idea, they did or do this. But with each hard inquiry that is 3-5 points off my credit score times 10 inquiries = 30 to 50 points lowering my credit score. The below addresses is 10 financing agencies they called or ran my credit with for financing. 

To my knowledge, I never signed any documents authorizing these car financing organizations to view my credit history. Therefore, I think these hard inquiries into my credit report violate the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I am requesting to have all 10 hard inquiries to be REMOVED or DELETED OFF my credit report from XXXX, Equifax and XXXX credit agencies. The 2nd page attached is 10 financing agencies they called or ran my credit with for car financing. Next car I buy, I will set up financing thru my bank, so this will never happen again. 

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 Please investigate this matter and DELETE OR REMOVE these 10 hard inquiries off my credit from XXXX, Equifax and XXXX credit agencies. 
As soon as possible, BELOW full addresses. 

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 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

On XXXX XXXX, 2024 " opt out '' letter were mailed to the disputed companies Please See : [ letters are attached ]
Product: Mortgage

My loan is with Chase Bank. I took the covid deferment and have returned to making my regular payments. When I took the loan, I was told that the deferred amount would be added to the end of the loan and I would be able to continue to make payments until it was paid off. In order to make up for the missed payments, I paid more than what was asked of me. They now tell me that I have to pay a balloon payment, even though my mortgage does not reach maturity until 2025. I asked to continue to make my regular payments until the rest of the debt was paid off. I owe around {$27000.00}. I make payments of {$2800.00} a month so it should be paid off before the year is up. They refused and told me that I had to make a balloon payment. I have read on your site and the fannie mae website that they can not ask for the balloon payment and that I should be allowed to continue to make payments. I now get late notices saying that I am behind on my payments, even though I have continued to make my payments. The bank refuses to credit my payments to the loan but is holding my money and telling me that I have to make a balloon payment. I have talked with the bank about this for at least 9 times within the last month and at least 3 times this week alone. If someone had a financial hardship and had to take this deferment, how would they have the money for a balloon payment of {$27000.00}?
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 transactions was unfeasible. The CFPB 's 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 transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

When I graduated from school i could n't find a job for almost 2 years. XXXX XXXX told me to go into forbearance. Next when I did receive a job i started at XXXX a year, and again they steered me towards forbearance vs income based repayment program. This ended up affecting my credit score and credit report. They still have not deleted the reports they made on my credit. Navient will now not answer any questions regarding hidden amounts of money affecting one of my loans. Every time I call I keep getting a customer service rep who is not from the united states and does not understand my questions. I have XXXX loan for XXXX and another loan for XXXX at the same interest rate. the XXXX has interest of about XXXX $ amonth and the XXXX has XXXX $ charges a month. They will not tell me where these increases are coming from and they will not fix the bug or problem.
Product: Credit reporting or other personal consumer reports

To, CFPB I have tried to work this out with Experian in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. 

The correct spelling of my name is XXXX XXXX. 
Neither of these social security numbers is mine. NEVER HAVE BEEN, but they are attached to my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is my current and only address. 

I DEMANDED ALL INACCURATE INFORMATION BE REMOVED IMMEDIATELY! 

I demanded that all collections be removed from my credit report. I15 USC c 1681 a 2 a1 implies that such information is intended to remain between the customer and the entity. My privacy, security and confidentiality. 15 USC 6802 says no company he's the right to report my information and they keep reporting the same inaccurate information on me year after year.

I DEMANDED THIS PRIVATE INFORMATION TO BE REMOVED IMMEDIATELY!

I demanded my employment information be removed. Again this is a violation of my privacy according to the FCRA. Are you kidding me? I worked at XXXX when I was XXXX XXXX XXXX, I am now XXXX XXXX XXXX. I feel like they have single-handedly caused damage to my reputation, my character, and my mode of living. 

All INFORMATION NEEDS TO BE REMOVED IMMEDIATELY! 

The same with the inquiries no one can show the application that I applied for a vehicle on XXXXXX/XX/year>, I wrote each one of them, but still no reply. I filed a complaint on IdentityTheft.com and I still see this on my report. 

If you can help me that would be life-changing. I have been blocked from acquiring things that I wanted because of false information about me. 


Thank you, XXXX XXXX ( Any supporting documents, if applicable )
Product: Debt collection

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : 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 I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Product: Debt collection

I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX  and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
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. 

XXXX XXXX XXXX, XXXX XXXX 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 an 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: Checking or savings account

Ive been with Wells fargo ever since I was a child since Wachovia bank. Ive trusted Wells Fargo after the transition. But ever since Ive been with them, Ive been charged overdraft fees numerous times. At least multiple times a month for 10+ years. Times I had the funds and they were late to process payments that were already made but get charged overdraft fees to cover payment I had already made but my funds were process late on Wells Fargo behave which made my overdraft. I have the thought of leaving Wells Fargo but I only stayed because Ive been with them since my parents open my first account with them since I was a child.