23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I signed up for PREMIER STUDENT LOAN SERVICE in XX/XX/XXXX. They told me I had to make 4 payments of {$240.00} and after that I would pay $ for 20-30 years. They got my loan down to {$5000.00} - {$5900.00}. I made my payments on time every month. I got a letter from XXXX XXXX XXXX some time in XXXX says I pay {$0.00}. I get a call XX/XX/XXXX says Im past due on my student loans. I thought I was paying PREMIER LOAN SERVICES. I tried to call no answer go on they website to find out they were being used. Look on my XXXX  credit report and I have an address on my report that is located in California. Never been to California before in my life. Go to renew my fasfa to start school again and Im locked out they changed my email and phone number, so I couldnt login in. Had to call FAFSA to get everything back working. So basically I was scammed.
Product: Mortgage

I was sent a letter of escrow shortage from the servicer Seterus, Inc. formy mortgage and paid it so that the new payment would not increase toomuch. Seterus has yet to properly apply the {$590.00} payment and for thelast XXXX months the statements that have been issued still shows anincorrect payment due amount. I 've tried calling Seterus, Inc. severaltimes to no avail. I was told that by XXXX the statement shouldshow correct amount due, but when I went online to make payment today, it isstill incorrect. They are also adding a {$5.00} processing fee that is paid when Imake my mortgage payment into a suspense account. I do n't under-stand why the {$5.00} fee should show on my statements at all because theamount is paid to XXXX XXXX for processing - a totally separatecompany of Seterus.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 BANK Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXX : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO CARD SERVICE - XXXX is a fraudulent account that is to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}
Product: Mortgage

I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX dba XXXX XXXX is reporting {$6400.00} owed to my XXXX and Experian Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to XXXX and Experian in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my XXXX & Experian Reports.
Product: Debt collection

A company by the name of XXXX XXXX XXXX and/or Legal Services contacted me from ( XXXX ) XXXX and left a message to contact them at ( XXXX ) XXXX regarding a serious civil case. They left a case number to reference. 

I returned the call and they told me it was in regards to a lawsuit to be filed against me for a credit card with Citi Bank and they told me the last 4 digits of my social security. 

I until this week I have not had a card with Citi. I called Citi bank to discuss and they had nothing on record associated with my social security. 

I called the Legal Services back and asked the amount due. It was {$1000.00}. I told them I thought it was a scam and the lady said they were not going to pursue the issue. She said if it was a scam, they would be asking me for money. 

I did a search on the internet... .name and phone of that company and it appears they are known to be a scam. 

I have changed my passwords and reached out to the XXXX credit bureaus. I'm not sure what else to do.
Product: Checking or savings account

I received a new debit card from Frost Bank, which I didn't request nor I have any business with this institution. I called and asked them why I was receiving the debit card and they told me because of a new account. I told them I didn't authorize it and I asked what kind of information was provided to open an account, they matched my information. I asked them what kind of physical identification forms ( ID, DL, etc ) was provided, I was told that the fraud department can helped me, I was transferred to Fraud department but I was only provided with information how to freeze my credit reports. I called them again to confirm if they had closed the account because I received statements, they confirmed that account was closed. They never called back again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX XXXX I was advise by XXXX XXXX, that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} - Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Collection XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX 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.
Product: Debt collection

I received a collection notice from afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX about a debt collection for creditor : XXXX XXXX XXXX XXXX dated XX/XX/2018, the amount of {$480.00}. 

My wife called both companies on my behalf because I am out of town and this needs urgent attention. She spoke to the fraud department of XXXX XXXX XXXX and explained the situation that I am being billed for the services I never ordered from XXXX XXXX XXXX. In fact, this is the second time afni colleciton company sent me a bill, the first one was last year about XXXX XXXX. This time is XXXX XXXX XXXX XXXX of which XXXX XXXX is also subsidiary. According to XXXX XXXX XXXX  staff my wife spoke to, the user was from XXXX, XXXX, Michigan. There is no street name XXXX in my XXXX research. Both XXXX XXXX XXXX and afni refused to provide the street number. XXXX XXXX XXXX acknowledged that there is a fraud on this bill. The bill was sent to my address in California. My last four digit number was being used as well. I believe this is an extortion on part of afni and XXXX XXXX XXXX knowing my address in California should already make XXXX XXXX XXXX knows that the user is from XXXX, MI and yet it sent the collection notice to me at my address in California.
Product: Credit card or prepaid card

On XX/XX/2022 I went to make an ATM withdrawal, and the money was not dispense from the ATM and I, received a receipt stating my withdrawal could not be completed at this time .that all the information I needed to make, My claim was included on the receipt. I also sent customer support cash app multiple times the pictures and the documents that I had to prove this.
Product: Debt collection

On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX    account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX  credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported. 
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I don't know the dates because I never had some of the accounts listed.
Product: Debt collection

I was looking through my credit report and saw a bill that does not belong to me
Product: Vehicle loan or lease

I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Product: Credit reporting

XXXX XXXX AND AOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative came to my house and sold me a vision security contract. 
Their representative wrote on the contract that I would get1. Lower rate than my current provider2. One month free3. XXXX ( {$50.00} ) referral for my neighbor ( see attached ) When I did not get them, I faxed a desire to cancel ( see attached ) Complained to the BBB XXXX see attached ) Never were reimbursed for overlapping fees for XXXX security companies, as they advised the BBBComplained to the State of Utah XXXX see attached ) They never cancelled the contract and still holds me for the debt of the contract as if I had not paid for the entire XXXX year term!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.