23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was told by an XXXX XXXX XXXX sales rep that I had good cell coverage at my home address. I was also told that by bundling my XXXX XXXX XXXX cell phone plan and XXXX XXXX XXXX  I would receive a discounted bundled rate. It was a cheaper plan so I signed up. When I returned home with the cell phones they did not have service at my home address. To be clear, the cell phones did not work at my house. Within 24 hours I canceled my plan with XXXX XXXX XXXX and reversed everything. Apparently when they bundled my XXXX XXXX plan it couldn't be reversed so I had to cancel that and start all over. No one at XXXX XXXX XXXX has been able to resolve this so it looks like I canceled my XXXX XXXX contract prematurely and they are trying to charge me a contract cancellation fee for misinformation their salesperson gave me from the very beginning. Now the collection amount has increased because they have turned it over to Credence Resource Management, a collection/harassment agency, and it has negatively affected my credit. I do not owe this money. I don't understand why I have to keep going through this every time they put this on my credit report. It was their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Loancare about this issue multiple times as well as called them. Loancare continues to report incorrectly to the credit bureaus. With the last complaint to the bureaus the solution was to simply list our home loan as currently on time. This is not the fix Loancare needed to report. After we finally were allowed to get out of forbearance ( we were denied multiple times by Loancare ), we completed the forced three-month trial period after the forbearance program, those months were XXXX, XXXX and XXXX of XXXX. These payments were to be made on time and in full in order for Loancare to redirect the missed payments to the end of the home loan. The first payment was XX/XX/XXXX. XXXX, XXXX and XXXX of XXXX were all paid IN FULL and ON TIME, with receipt confirmation and yet Loancare has reported all of those months as 30 days past due to all three credit bureaus.We entered the forbearance program because our household went from two and half incomes down to one, we called Loancare to get advice as to what the best choice would be for us to not lose our home. We were told the forbearance was an option, we could get out of the program as soon as we were able to pay the mortgage with no issues. We were told Loancare would send the credit bureaus a non-report notice each month until we were out of the program. I have over 20 calls to Loancare over the last year and a half. This program was a disaster. Each time I called I was shifted around to different departments, I spoke with multiple managers and supervisors, they each had different answers to the same questions. Our mortgage was reported late for over a year. We were told while in forbearance it would be a non-report. I have contacted Loancare directly about this issue multiple times. I am given different answer, and different reasons why the reporting is not being corrected. None of which are the same employee to employee. I have documented payments that are on time and in full that Loancare has reported as 30 days late ( whether they were paid in full or not during the forbearance ). We still paid as much as we could while in forbearance, some months in full, some what we could afford but all of these payments were not required because we were in forbearance. Loancare still reported as late every month. We would not in a million years have chosen to take part in a plan reported us late for over a year. This issue has ruined my credit. I am willing to take whatever steps needed to get this corrected. I am trying to refinance my house but because of the incorrect reporting I am unable to do so. I need help. I have contacted every other government site and company I can think of including two lawyers. I need direction and help to get this issue resolved. Thank you. 
**Attached are all of the payments that came out of my account, the other owner has the payments from XX/XX/XXXX to XX/XX/XXXX ( he has since moved out of the home )
Product: Checking or savings account

Dear Sir/Madam : XX/XX/2017 someone use my account to purchase of goods and services twice that day for the amount of {$300.00} total which I did not authorize. I contact Bank of America what happen but they reject my claim right away with out any investigation. I report to them to get a new card and I report this to XXXX Police. I contact Bank of America again and again to no avail. 

I am running out option so I have to complained to Ohio Attorney General Consumer protection and they advice me to contact Consumer Financial Protection Bureau. 

I hope Bank of America to investigate that I did not authorize any body to use my card, the card is always in my wallet I never give my card to any body. 
I really appreciate in advance for your help. 

Thank you, XXXX XXXX
Product: Credit card

I am disputing your claim because I have no knowledge of any account or transaction with " CMRE FINANCIAL SERVICES, INC. '' The account number you mentioned is unfamiliar to me. You have not provided any information or documentation proving the existence of such an account, beyond your initial letter, which is insufficient. I do not recall entering into any valid contract involving this account and believe none exists. Additionally, I was a victim of identity theft, and I suspect the account in question was opened fraudulently. Unless you can provide verification of a valid contract between myself and CMRE FINANCIAL SERVICES , INC . I request that you stop sending me misleading and unwanted correspondence. If you continue with this claim, I am legally entitled to demand validation of your claim per UCC 3-501 ( b ), to verify the existence of an account that legally or financially obligates me to you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notification of Identity Theft Due to Data Breach Dear XXXX, I am writing to formally notify you that my personal information was compromised in several data leaks, and I am now a victim of virtual identity theft and fraud. As a result, I request that you take immediate steps and actions to protect my credit and personal information, as well as investigating any fraudulent activity linked to my name. 

The data breach occurred on multiple platforms, and my sensitive data, such as Social Security Number, date of birth, address, email, phone number, bank information, debit or credit card details may have been exposed to unauthorized parties. Since learning of this breach, I have taken steps to secure my information, including placing fraud alerts on my accounts, but I am now experiencing unauthorized activity on my credit reports.

I respectfully request the following actions be taken to mitigate further damage : 1. Place a fraud alert on my credit report to notify potential creditors that my information may have been compromised.

2. Request a credit freeze to prevent any new accounts or inquiries from being made without my authorization ( if applicable ).

3. Investigate any unauthorized activity related to my personal information, including any suspicious accounts or credit inquiries.

4. Provide a copy of my credit report to help me identify and address any discrepancies caused by identity theft.

Enclosed, please find a copy of my [ government-issued ID, proof of address, or any other documents you may be submitting as evidence of your identity ], and any other required documentation to assist in the processing of my request.

Please confirm receipt of this letter and let me know the actions taken to protect my credit and personal information. I understand that this may take time, but I would appreciate any updates regarding the status of my case. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my outrage regarding Zelle 's blatant mishandling of disputes, especially in light of the recent CFPB lawsuit exposing the severe issues with the platform. Despite using Zelle numerous times and reporting multiple discrepancies, both my financial institution and Zelle have completely failed to investigate my claims. They dismissed my concerns, claiming that recovering lost funds was impossible and that tracking transactions was " unfeasible. '' The CFPB 's findings are even more damning, revealing that Zelle has not only failed to protect consumers, but has actively allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This utter lack of accountability, transparency, and basic consumer protection is completely unacceptable. The fact that Zelle continues to operate with such blatant disregard for its users ' safety is deeply troubling and should not be tolerated.
Product: Student loan

My Husband is XXXX and receives ssa he has to pay medication and doctors appointments out of pocket we appled for hardship XXXX discharge they were garnishing his XXXX they ask for documents I sent them in and now they are saying they need more doctors papers after telling me they didnt Nelnet said its not them XXXX XXXX said call Nelnet and we our suffering right now
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates : XXXX XXXX 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 do not contact these companies for the following dates that have been listed. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Money transfer, virtual currency, or money service

Im an over 10 years PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer use PayPal email on XX/XX/XXXX. 
I tried to contact paypal about why my account has been limited and got responses of reason for risky activities. Then I checked the paypal terms, it said : " Higher risk activity We may limit your account if your seller performance indicates high risk activity. This can happen if you : Receive an unusually high number of claims and chargebacks from your buyers, which are an indication of poor seller performance Start selling an entirely new type of product, such as a higher-cost item like jewelry Experience rapidly increasing sales volume, which is out of nature with your usual sales patterns In these cases, we may limit your account while we do a review. '' But I primarily use my PayPal for online shopping payment processor and utility bill pay. In addition, I checked these years ' activities, there is no chargeback, no return or refund in my PayPal and also no money sending or requesting. Everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XX/XX/XXXX : {$490.00} sent to XXXX XX/XX/XXXX : {$5.00} sent to XXXX XXXX XXXX XXXX XXXX : {$450.00} sent to XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX, XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtor 's creditor did not verify this Collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debts and anybody can send a bill and say it's mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the persistent and unsuccessful attempts to remove an unknown inquiry from my credit file. Despite multiple efforts to address this matter, the inquiry remains unresolved, causing unwarranted damage to my credit profile and financial standing.

There is an unauthorized inquiry on my credit report that I have been attempting to dispute. I have made several attempts to have this inquiry removed, providing supporting documentation to confirm its unauthorized nature.

Despite my repeated attempts to resolve this issue by following the established dispute procedures, the unknown inquiry persists on my credit report. Previous dispute requests have not resulted in a satisfactory resolution.

The presence of this unknown inquiry is negatively impacting my creditworthiness, affecting my ability to obtain credit and secure favorable interest rates. This situation is causing unnecessary stress and financial difficulty.

I request that you conduct a thorough and expedited investigation into the unknown inquiry on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of this inquiry.

Additionally, I insist on clear and timely communication throughout the resolution process, and I expect a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this unknown inquiry will be promptly and permanently removed from my credit history.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD  had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.
Product: Debt collection

I learned that this debt was sent to collections not only was it sent to collections but it supposedly is no longer in business. I never received a notice of collection or the option to dispute. I found the information of this debt collector on my report it was reported on XXXX. I wrote an letter for validation/verification on XXXX. I received a response on XXXX ; but it lacked information. It didnt include information I requested such as : 1.proof I am obligated to pay resurgent c/o LVNV Funding LLC.

2. Agreement between credit and debt collector.

3. Proof the debt collector is authorized to collect in my state ( Missouri ) 4.Proof Resurgent c/o LVNV 5.was the debt assigned or purchased? 
6. Amount paid if purchased.

7. Commission for debt collector of collection is successful.

8.If insurance claims has been made by any creditor regarding the account?

9.Have any judgments been claimed by any creditor regarding this account? 

I just want to be sure I am paying should be paying this debt collector. They have proved I should be or ownership of this account. That they have n obligation to collect.