23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shortly after purchasing my home I received a call from the National Bi Weekly Loan Association. They explained to me that they worked with my home loan company to break my payments up if I chose to do so. Not knowing that I was going to be charged for this service I agreed to break my payment up in hopes of paying my loan off faster like they had explained I would. The representative never once told me of any fees whatsoever. He worded things so that I thought they worked directly with Idaho Housing And Finance. I tried contacting the company in XXXX when my payment did n't go thru but never could get ahold of any representatives. The automated system just told me that they were experiencing high call volumes and to try back later. I did some XXXX searching to try and figure out what was going on and that 's when I came across reviews from people and realized I had been getting charged for this bi-weekly setup. I still have not been able to get ahold of this company to figure out how much I have been charged over the 4+ years that I made payments through them. Not only did they use sneaky habits to confuse me and fail to tell me about any fees, but they failed to hold up their end of the deal by helping me pay my loan down faster. I 'm under the impression that they have cost me much much more than I have saved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative information currently listed on my credit report. I believe that there are a number of errors that need to be corrected as soon as possible. 

Bankruptcy XXXX XXXX - XXXX Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3-7. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX ( x6 ) I have no recollection of authorizing these credit pulls and I demand they be removed. 

I appreciate your prompt attention to these matters and look forward to seeing the necessary corrections made to my credit report. Please inform me in writing of any changes made to my credit report as a result of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$1300.00} allegedly owed to XXXX XXXX. The following account CREDENCE RESOURCE MANA ( Account Number : XXXX Original Creditor : XXXX Date Opened : XX/XX/year>. XXXX {$1300.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX  and I do not have any contract with CREDENCE RESOURCE MANA. 
This account is fraudulent and does not belong to me, I have attached an FTC report along with this document and a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . A formal apology from CREDENCE RESOURCE MANA for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off with a rep from Transunion and verified who i am. They did not know why I even needed to call in. She said you received my dispute request and its in progress what the XXXX is going on over there. Oh and my calls record too. You close my first complaint saying need auth and your rep didn't understand why. This investigation is taking to long. My original complaint : Hello. I am writing this complaint because Transunion has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Act section 1681 requires the furnisher to report accurate information to the three credit agencies. XXXX XXXX XXXX ( listed as a Mortgage Account on my report ) is reporting inaccurate late monthly payments to each credit agency. I've filled a complaint regarding this information along with documents showing the inaccuracies, but no action has been taken to delete the information by the credit agencies.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many written requests, the following things remain on my credit report, which is prohibited by the FCRA. The Departments failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the prescribed time frame, they failed to adequately investigate what was happening by using a third party, and they continued to provide unsupported and unconfirmed information. My attempts to directly handle it with three credit bureaus resulted in their breaking federal law and being willfully careless, and I need this matter to be fixed right away. Please delete additional items from my record. 
XXXX XXXX XXXX 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: Debt collection

It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved. 
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX
Product: Credit reporting or other personal consumer reports

The account is with XXXX XXXX XXXX XXXX for {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquiries 1. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 2. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 3. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 4. Invalidated/unauthorized inquiry please delete from my credit report. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 5. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 6. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 7. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 8. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 9. Invalidated/unauthorized inquiry please delete from my credit report. XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 10. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 11. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 12. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 13. Invalidated/unauthorized inquiry please delete from my credit report. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 14. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 15. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 16. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 17. Invalidated/unauthorized inquiry please delete from my credit report. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file. 18. Invalidated/unauthorized inquiry please delete from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my consumer report and credit file.
Product: Credit card

CITIGROUP has Closed my account and has discriminated against because It is my FEDERAL RIGHT to DEMAND TO REDEEM IN LAWFUL MONEY IN PURSUANT OF TITLE 12 U.S.C. 411. I will take you into Federal Court because you have DISCRIMINATED against my FEDERAL RIGHTS of Title 12 U.S.C. 411..

Title 12 U.S.C. 324 requires member banks and Federal Reserve Banks to comply with lawful money redemption demands. This gives me the right to demand the redemption of FRNs for lawful money and ensures that my account transactions are properly processed.

All banks admitted to membership under authority of this section shall be required to comply with the reserve and capital requirements of this chapter, to conform to those provisions of law imposed on national banks which prohibit such banks from lending on or purchasing their own stock and which relate to the withdrawal or impairment of their capital stock, and to conform to the provisions of sections 56 and 60 ( b ) of this title with respect to the payment of dividends ; except that any reference in any such provision to the Comptroller of the Currency shall be deemed for the purposes of this sentence to be a reference to the Board of Governors of the Federal Reserve System
Product: Debt collection

CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.
Product: Student loan

I have been XXXX  since XX/XX/XXXX I should not have any inquiries on my credit report until this month of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with XXXX Bank / HELOC Account. 
Regarding alleged late payment from back in XXXX of 2018. 
I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to XXXX Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.
Product: Money transfer, virtual currency, or money service

Express my concerns in regards to the handling of disputes done by Zelle, particularly in light to the recent CFPB lawsuit highlighting significant issues with this particular platform. Regardless of the countless times using Zelle and reporting discrepancies, my financial institution and Zelle failed to throughly investigate, resulting in the loss of my hard earned money. My financial institution and Zelle informed me that recovering my funds was undoable and tracking these transactions was impractical. CFPB current investigation has brought to light the neglection Zelle consumers such as myself have experience due to the lack of proper protection from said company, allowing offenders to repeatedly exploit the system leaving us consumers vulnerable to scams. Such lack of accountability is unacceptable and raises significant concerns about the safety of the consumer.
Product: Mortgage

During the loan modification of my mortgage back in XXXX, Wells Fargo fraudulently reversed several payments, and only sought to remediate that after settling a class action lawsuit over a decade later. 

Wells Fargo violated court orders to remove my ex wife from my loan back in XXXX. 

Wells Fargo violated court order to remit the check in my name only, my ex-wife having surrendered all interest in my home in XXXX. 

Wells Fargo violated the terms of their settlement agreement by refusing to remit a check in the amount of the fraud they have committed against me. 

Wells Fargo has demonstrated that they do not intend to abide by court orders or their own settlement re : the class action lawsuit as they have ceased all communication with me and refused to provide contact information for my ex-wife to grant permission ( again ) to remit check in my name only.
Product: Debt collection

I received a letter from IC systems today. Saying I owed XXXX Ive never had XXXX I have XXXX this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I am a victim of the Equifax data breach. This account is frivolous
Product: Debt collection

They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hellos Guys!! 

I sent letters to the 3 credit agencies Experia, XXXX and XXXX to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an answer.
Product: Credit reporting or other personal consumer reports

inquiries on credit report that was not authorized by me
Product: Credit reporting

experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX - {$3100.00} XXXX XXXX - XXXX - {$0.00} Late Payment XXXX  XXXX - XXXX - {$11.00} XXXX  - XXXX - {$220.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$22000.00} XXXX XXXX  - XXXX - {$17000.00} XXXX XXXX  - XXXX - {$10000.00} XXXX  XXXX XXXX XXXX - {$230.00} XXXX  XXXX - XXXX - {$120.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$63.00} XXXX XXXX - XXXX - {$160.00} XXXX XXXX - XXXX - {$960.00} XXXX  XXXX - XXXX - {$380.00} XXXX  XXXX - XXXX - {$4000.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  - XXXX - {$6900.00} XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - {$2700.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX  - XXXX - {$0.00} Inquiry XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX 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 haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Product: Debt collection

the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX
Product: Consumer Loan

on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone