23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDIT COLL ( Original Creditor : XXXX XXXX ) Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

account is reported on XXXX WITHOUT any Payment history. I kindly request the removal of all accounts due to inaccurate reporting. I have attached supporting documentation showing the proof. This misinformation has caused significant issues for me, especially as a service member with a security clearance that requires financial stability. Despite having paid the account in full, it is negatively impacting my credit. I urge you to assist in removing these accounts from all three credit bureaus. Additionally, your prompt attention to this matter is greatly appreciated. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check into my credit report. It show a closed account with a large debt. First of all is not my account & never apply for creditors. Its damaging my credit. What should do.... I contacted the company but no help because I am not primary authorized person & Thank you.
Product: Checking or savings account

On XX/XX/2018 two unauthorized transactions occurred at a XXXX XXXX vending kiosk using my debit card information, which had been stolen. These transactions were for {$940.00} and {$1100.00}. I immediately contacted my bank, Chase, to alert them of this. I question why they did not alert me, due to the fact that these purchases are outside of my normal pattern and I have this feature on my account. Indeed, I never buy expensive electronics and never use XXXX XXXX vending machines. At the time that I alerted them, Chase refunded the money to my account. Subsequently, they took the money back, saying that because the perpetrator used my PIN number, they were not going to refund the money. This is a clear case of theft, and my bank has been unresponsive.I am positive that there must be other such cases involving Chase and other banks. 

My claim number with the bank is XXXX
Product: Debt collection

To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX  XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.
Product: Debt collection

I had an account with XXXX XXXX XXXX in 2016 during which time i lost my job, i was behind on the payment, so XXXX XXXX offered me a payoff for a settled amount ... .which i then agreed upon and paid. The account with XXXX XXXX actually shows resolved on my credit report. Now i am getting debt collection ( LNVN ) showing on my credit report and i dont know how they just doubled the debt amount - the credit card limit was {$300.00} to begin with this collection company is trying to charge me over $ 700- on a account that i was under the impression was already paid off with credit card company- XXXX XXXX - i have no paperwork from the phone call with the XXXX XXXX because everything was over the phone - i am not sure how to proceed, and i called the collection agency, LNVN and they said they would need to have proof of agreement with XXXX XXXX, to be honest at that time i was lucky to be able to afford the settlement amount and was grateful to have had enough to pay it off- now this coming back up and show another negative on my credit report and having no real knowledge of how to legally persue this without having yo spend money i do not have available to get an attorney. How can these companies do this legally- where is the rights of the average consumer? I am not in a position to pay over {$700.00} dollars to collections i dont even owe- i have children to raise and some months we are lucky to afford groceries after paying bills, i hope there is something i can do to have this resolved.
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 recent CRPB 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 infeasible.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 raises serious concerns about consumer safety
Product: Debt collection

Dear CFPB I am writing to file a formal complaint regarding the unfair debt collection practices employed by XXXX XXXX XXXX as well as their initiation of legal action against me. I believe that their tactics in attempting to collect a debt from me are not only unacceptable but also deeply concerning. 

First and foremost, I want to highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which required significant time, resources, and legal representation to fight. Thankfully, I was able to successfully contest these charges and clear my name in XXXX. However, this ordeal has left me financially and emotionally drained, making it even more distressing to be targeted by aggressive debt collection tactics and now facing legal action. 

Moreover, I must express my utter disbelief regarding the debt in question. To the best of my knowledge, I have no recollection of ever incurring such a debt, nor have I received any prior communication or documentation regarding it. Therefore, I am deeply troubled by the sudden and relentless pursuit of payment by XXXX XXXX XXXX, especially considering the lack of evidence or verification provided. 

Furthermore, it has come to my attention that XXXX XXXX XXXX is pursuing legal action against me in connection with this alleged debt. This legal action only adds to the undue stress and hardship I am already facing, particularly given the circumstances surrounding the XXXX  XXXX XXXX I had to overcome. 

Additionally, I find it pertinent to mention that the debt in question has been sold to XXXX  XXXX  XXXXs by XXXX XXXX XXXX, which, to my understanding, consists of two wealthy individuals who may be gaming the system for their financial gain. This raises serious concerns about the integrity of the debt collection process and the motivations behind these actions. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against XXXX and XXXX XXXX as well as XXXX XXXX XXXX, for their egregious behavior. I trust that your agency will uphold its commitment to protecting consumers from unfair and abusive debt collection practices and ensure that justice is served. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, XXXX, EXPERIAN ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : 1 ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX  XXXX XXXX : ACCOUNT # DOES NOT EXIST
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts at XXXX XXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my Experian, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete fir failure to contain the mandatory information. Either delete all my 3 XXXX XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to your attention an error in the reporting of this account on my credit report. The balance and charge-off information are inaccurate, as the account was resolved some time ago. I kindly request that you investigate this discrepancy and take the necessary steps to correct my credit report by removing this inaccurate entry. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical  bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC   stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting information.
Product: Credit reporting or other personal consumer reports

I have sent in letters asking for a Proper reinvestigation, from previously disputed letters earlier asking for a proper debt validation and verification letter and they have only sent back a credit report stating that the debt has been verified and updated. 
This Dispute is against XXXX XXXX and XXXXXXXX Basis for Dispute : 1. Violation of 15 U.S.C. 1681 Section 602 : Section 602 of the Fair Credit Reporting Act establishes the need for credit reporting agencies to maintain accurate and fair credit reporting practices. The disputed information on my credit report is inaccurate and does not reflect the actual status of my account. This misinformation is damaging to my credit profile and violates the standards of accuracy required by law.

2. Violation of 15 U.S.C. 1681 Section 604 : Section 604 of the Fair Credit Reporting Act regulates the permissible purposes for which a consumer report can be accessed. If this dispute involves unauthorized credit inquiries, these inquiries were not made with my consent or for a permissible purpose under the FCRA. These inquiries should not have been included on my credit report.

3. Violation of 15 U.S.C. 1666b ( Fair Credit Billing Act - Crediting of Payments ) : Under 15 U.S.C. 1666b, payments must be credited to an account on the date of receipt. The payment listed on my account was not credited promptly, resulting in [ e.g., a late fee, increased interest, or a negative impact on my credit score ]. This delay is in violation of the Fair Credit Billing Act.

4. PAANL ( Principle of Accuracy and Non-Discrimination in Lending ) : The Principle of Accuracy and Non-Discrimination in Lending emphasizes that all information reported on consumer credit reports must be both accurate and free from bias or discrimination. The inaccurate or mishandled information in question violates these principles, potentially leading to unfair lending practices against me.
Product: Debt collection

Today I realized due to a very XXXX impact on my XXXX XXXX that something was wrong on my credit report, I reviewed it and saw that I had a medical collection of a bill from XXXX XXXX XXXX for {$1500.00} that is in a collection company called ABILITY RECOVERY SERVICES. Which I don't admit, I have never been to XXXX XXXX XXXX nor have I ever received any medical or other services from that place. I do not know the invoice, I do not have any additional information since I have no knowledge of this charge. I believe this is a fraudulent charge or identity theft.
Product: Credit card or prepaid card

I just emailed the company regarding this today, XX/XX/2021, so I haven't heard back from them yet.
Product: Student loan

CFPB : I am writing to dispute erroneous credit reporting of my student loan by Wells Fargo Bank in my XXXX, XXXX, and XXXX credit file. Wells Fargo is reporting that my student loan, which I have never been delinquent on, is in Chapter XXXX Bankruptcy " Wage Earner ''. This item Chapter XXXX Bankruptcy is inaccurate because I never filed Chapter XXXX Bankruptcy. I have requested that the information reported to the credit bureau be corrected on numerous occasions. Wells Fargo has responded that it was in fact an error, and that it would be resolved ( attached is a letter from Wells Fargo ). However, they only removed the erroneous information for a short period of time, and then it was re-reported erroneously months later. I am requesting that the item be corrected immediately and for GOOD. I am extremely frustrated and exhausted of having to deal with this situation over and over again. This reporting error has caused my borrowing cost to increase and has lead to instances where I have been denied credit. I am in the middle of a refinance on my home loan, and this reporting error is leading to substantial financial loss. This is how I found out that this loan is negatively reporting on my credit bureau. The lender advised that my credit report, specifically this loan, was reporting in Chapter XXXX bankruptcy. I need this corrected AS SOON AS POSSIBLE as I am expected to close on my mortgage XX/XX/XXXX. Wells Fargo has repeatedly violated the FCRA ( Fair Credit Reporting Act ), and as aforementioned, is causing me financial loss. I have filed numerous disputes in regards to this error including a letter mailed to the address below on XXXX/XXXX/2013 and I am still dealing with this issue : ( see attached ) WELLS FARGO. 
XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX I am hopeful that we can get it corrected this time! 

Thank you.
Product: Consumer Loan

I closed out a lease with Chrysler capital in XX/XX/2016. On XX/XX/2016, they took an extra monthly payment even though I no longer had the vehicle. I have contacted them multiple times now and get a difference answer every time I call in regards to my refund. I contacted them today and was today my account was " pending closed '' and my refund would n't be processed until the account was " officially closed ''. When I asked how to officially close it, I could n't get an answer from them. They refused to transfer my call and said someone from a different group would call me back in 5 to 7 business days.
Product: Student loan

I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.
Product: Mortgage

I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through XXXX XXXX XXXX I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX XXXXXXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit