23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Product: Money transfer, virtual currency, or money service

A wire transfer was attempted on XX/XX/year> for an amount of XXXX from XXXX XXXX XXXX to an entity called XXXX XXXX at East West Bank. East West Bank returned the wire transfer ; however they failed to provide the information that the entity was a money mule for a fraud at XXXX XXXX  ( Document XXXX and XXXX see attached ). Had they provided this information to me as a consumer I would not have transferred the money again on the XXXX of XXXX to XXXX XXXX preventing the financial loss that I eventually incurred ( Wire Transfer 3 document - see attached. The lack of transparency and withholding of sensitive information has caused financial loss to me
Product: Checking or savings account

On XX/XX/XXXX I attempted to transfer funds from one account to another account which showed low funds for a transaction for a pending transaction. Several attempts and system would not let me make a transfer to cover transaction, so I XXXX money from one of my accounts to this account with low funds. The next day I check my account and there is an overdraft fee and my XXXX funds are showing pending which they never do, my funds always go in effect immediately after transfer. At the time of transfer there was no overdraft fee showing or pending. BOA is Fraud and I will be closing all of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question Perfect Collection, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX  claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency Perfect Collection asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/2017-XXXX  sent notice that the accounts in question had been removed due to unable to verify, however, XXXX  is refusing to comply.

I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

On XX/XX/2023, I have closed on the property located in XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX, as of the date submitting this complaint the account still shows open in my credit file. 
The mortgage has been paid off, and the property is no longer under my mane in the county where the property is located. 
Over 45 days later XX/XX/2023, I have emailed XXXX XXXX, XXXX from XXXX in order to update the account on my credit file, as of today date no response.
Product: Credit reporting or other personal consumer reports

Hello im a victim of the XXXX data breach and all of my three bureaus credut information is tainted and tamper with. XXXX did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. XXXX and Transunion never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected
Product: Credit card

I was an authorized user on my mother 's Kohl 's card. I was told by my loan officer that I needed to be taken off in order to get a home loan. On XXXX my mother, the cardholder, called customer service. She spoke to XXXX, and he told her I would be taken off and a letter would be mailed. We never received a letter. So on XXXX we called customer service again and talked to XXXX in XXXX. She reported that I was still on the card as an authorized user and that she would take me off that day. She reported that Kohl 's has a " no emailing '' policy. So she could not send me an email confirming this. She said I would get a letter in 30 days confirming this. This is 2016. I highly doubt there is a no emailing policy. All my loan officer needs is one email from Kohl 's saying I have been taken off. The XXXX housing market is hot. I am incurring money damages with each day I am unable to finalize my loan. I am losing my chance to get a home loan because of a kohl 's card that is n't even mine. I believe there may be an unfair business practice underlying their constant refusal to take me off as an authorized user. They have not reported my status to the credit bureau even though I have asked them twice now. This is having a significant impact on my life.
Product: Vehicle loan or lease

I never received a copy of my loan or paperwork from dealership. I called Westlake financial and ask for a copy to be mail to me several time. Westlake financial have me in a very bad deal thats I wasnt aware of I was told one thing about how the interest rate. But by checking on line when I pay my car note my payment my loan never went down I feel I.was taken advantage of with this deal I also put XXXX dollars down on my finance charges for my car and its cant be not applied to my loan because my loan would have went down more then it has. After adding all my payments that was made. i honestly believe I have been scam.. also I was supposed to have a military credit applied to my car with I dont know if i received because I dont have any paperwork. I contacted the dealership and the salesmans no longer work that.. who was in charge of my deal. Im a a dead end with this auto loan..
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 XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Vehicle loan or lease

Hello There! 
Earlier this year I had filed a complaint through you about my auto loan with Ally Auto XXXX. You had reported back to me that my case was closed. Unfortunately, I never received any response back from you or Ally Auto about my loan which I felt was predatorily in nature. The total interest that is being demanded by the company is more than 1/2 the cost of the vehicle. I was never notified of the outcome of this investigation. Do you have the details of this outcome? Would you be able to enlighten me on this outcome? I'll wait for your reply. Thank you so very much. 
Sincerely, XXXX XXXX Landline : XXXX XXXX XXXX Cell phone : XXXX XXXX XXXX
Product: Consumer Loan

I paid off a debt in XXXX 2009 to Midland Funding. I contacted them 20 days ago to get this cleared up. They had me pay for a debt ... not sure it was the same one, but I paid it. We then found out that the court house actually has a copy of the judgment being paid in 2009 but the release of judgment was never filed by Midland Funding nor its attorneys. Midland funding says this will take a minimum of 30 days to resolve. I am trying to get housing for my family and this is hindering us to do so. Midland funding says they will not speed up the process. This is not fair. This should have been completed in 2009. 

When I talk to them, they are unresponsive. I have read that the fair credit reporting act and that should protect me from this abuse. I am requesting Midland funding to expedite this request and reimburse us for the {$1300.00} paid XXXX/XXXX/2009. 

This being on my credit since 2009 has been detrimental to my family in not being able to obtain credit and housing. Please intervene and ask Midland Funding to expedite our request and not give the old standard line ... .it may take 30 days ( not longer than 90 ) To our family, this is not acceptable and we may lose the ability for housing if not completed within 15 days. I would appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2020 Did not approve of this
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft where an XXXXXXXX XXXX XXXX was opened without my consent nor knowledge. I have submitted an FTC report and a police report regarding this matter. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, any information resulting from identity theft, including fraudulently opened accounts, must be promptly blocked from appearing on my consumer report!
Product: Debt collection

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

This bill was with XXXX XXXX and the phone was stolen and I had insurance with XXXX XXXX, an the bill was taken care of, because I didn't continue service with them they are trying to collect. This took place about XXXX or XXXX.This bill has been paid in full and they are trying to collect something that I don't owe. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.
Product: Checking or savings account

Bank representative was well aware of elder financial abuse and did not take steps to prevent continued exploitation. Representative disregarded & allowed abusers to fraudulently revoke a durable power of attorney put in place to protect the elder from continued financial exploitation ; further allowing those responsible for the theft of more than {$6000.00} from the elder 's financial account during the period XX/XX/2018 to XX/XX/2018, to open another account in the elder 's name willfully accommodating continued theft and financial abuse. The representative and the branch have been complicit in exposing a XXXX year old XXXX XXXX patient to further risk, and have not followed procedures for reporting this issue to the appropriate internal fraud / legal units. As the Principal Agent named in legitimate Durable POA, I was not notified of the closure of a valid account set up for the elder 's protection, nor was any due diligence conducted on behalf of the bank to identify the validity of a fraudulently submitted POA revocation presented by the individuals known & identified to be responsible for prior abuse. The behavior of the bank & its representative were unethical and reckless causing financial harm to client. A formal police report has been filed identifying the representative citing his willful blindness, as well as the individuals responsible for the theft of the elder 's funds. Additionally, a report has been filed with XXXX Elder Protective Services naming the abusers and the representative at Citizen 's Bank given the negligent aid in the continued unauthorized and unlawful theft of a vulnerable person 's limited, financial assets.
Product: Credit reporting or other personal consumer reports

Paid Lexington law to get negative reports off of my credit and all they did was send me letters to do it myself
Product: Credit reporting, credit repair services, or other personal consumer reports

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Product: Credit card or prepaid card

This evening on XX/XX/2022, I received a text message from Wells Fargo asking if I had made a purchase at XXXX for {$1.00}, and to call their customer service team if I did not make this authorization. 

I called and spoke with someone whose English was terrible. He couldnt speak English enough to understand the answers to my security questions ( or so he claimed ), and kept probing me for additional information that he again claimed was incorrect. The information I provided was correct. 

I got suspicious because the more he told me my answers were wrong, the more questions he was asking some of the questions are not pieces of information that I had ever provided to Wells Fargo. I am a fraud analyst, a certified fraud analyst. I know the interview questions and the laws and guidelines for fraud victims. I asked him at this point if he actually worked for Wells Fargo because his professionalism was terrible. He abruptly transferred me to someone else another person who did not speak English. This individual sat on the phone for a while pretending that he couldnt hear me and hung up. 

My card has been shut down. I doubt that Wells Fargo will reopen that card, which is going to hit my credit in a negative way. 

Being in the business, I know that Wells Fargo has been investigated by the CFPB for situations such as mine. 

What I found funny is that Wells Fargo did not attempt to forward this case to a fraud investigator or even show me any kind of humanity or compassion. I felt victimized by the bank who is insured to protect me. I dont even know if Wells Fargo did anything to protect my information because this appeared to be a breach on their end.
Product: Money transfer, virtual currency, or money service

I am writing express my concerns regarding Zelles handling of dispute, particularly in light of the 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 consumer safety.
Product: Debt collection

I owe this company nothing and they keep harassing me and reporting items on my credit report
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off a car loan of {$3700.00} acct XXXX that my deceased mother XXXX XXXX XXXX had with Huntington Bank. I was told that they would have it electorically released and I would be able to get title and tags after 5 business days. I went to the DMV and they told me that it was not released and that I should go to get a letter from Huntington. I went back to Huntington and spoke to a banker who informed me that she couldn't help me and that it could be 4 week or longer before this could be resolved. I explained that we use this car for work transportation and I needed to get tags which expired on XX/XX/XXXX. I insisted that she contact someone and she did. She ended the phone call and explained the same thing. There was no resolve. Huntington cashed the check took the amount the debt was paid in full and unlike other institution that I have experienced is not willing to release the assest in a timely manner. I did experience this with them and a release on a property at our church that they did not release a lien for serveral years and we did not know until we changed the property in XXXX. This appears to be a business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.
Product: Credit card or prepaid card

charged {$280.00} on citi business card on XX/XX/2020 but never received merchandise. 
complained to citi and merchant merchant acknowledged failure but said credit not possible because they had never received payment from citi. despite sending e-mail from merchant confirming this citi on XX/XX/2020 dismissed my complaint and demanded payment. this appears to be FRAUD and ASTTEMPTED LARCENY by citi