23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX CO - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX CXXXX 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. PXXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. RENTAL PROPERTY XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Product: Checking or savings account

My phone was stolen on XX/XX/2024. I noticed unauthorized pending transactions in my Bank of America account and called the bank on XX/XX/2024 to freeze the account. The transactions went through and I disputed them as fraud on XX/XX/2024, but Bank of America denied the fraud claim and is not crediting the transactions.
Product: Student loan

I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$1200.00}.
Product: Vehicle loan or lease

On XXXX XXXX I made consumer transaction to purchase a new car and was required to put a cash down payment which my consumer rights were violated. The contract did not disclose clear and conspicuously my rights as a consumer when entering the contract. Due to these violations I demand to rescind my rights.
Product: Debt collection

DIVERSIFIED CONSULTANTS IN is trying to collect a bill from XXXX for an account I have already disputed. I cancel service with XXXX within 14 days of starting the account, and was supposed to not owe them anything. They started by billing me $ 500+ and eventually tried to bill me {$98.00}, but should have billed me XXXX .... I disputed this before with another credit collection company and they did not provide proof it was owed within the 30 day limit and had it removed, only for it to appear again under this collection agency.
Product: Credit reporting or other personal consumer reports

First I've already been a victim.Have a class action lawsuit against XXXX  XXXX.And received a statement check less than XXXX months ago. Also XXXX XXXX XXXX Did in fact frauduently access my XXXX XXXX account, Also along with XXXX XXXX  and XXXX XXXX ( XX/XX/year> ). 

XXXX very serious issues going on with XXXX XXXX right now. They are hiding my entire credit profile To make it look like I have no credit. These actions only Only aide XXXX criminals like my sister XXXX XXXX Who mis use identity To obtain government assistance Such as social security Or d s s. I've had this XXXX XXXX account for 7 years And open Credit. 
Accounts that I have that are in good standing And the monthly payment is being met. 

The other issue on the table is the fact that the class action XXXX XXXX XXXX Was for their guarantee of credit approval. They have. 
One sitting there right now With the company of avant Using personal information of mine Updated previously and know that i'm not using such as XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX and XXXX XXXX  XXXX
Product: Mortgage

My loan with Shellpoint mortgage was under a forbearance program and at the end of the plan, the account was brought current. But now Shellpoint Mortgage is now reporting that the account was delinquent during the forbearance time. The property address is XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Money transfers

I make online payment transaction using PayPal online services om XXXX XXXX 2015. 
Amount transaction was XXXX {$.00} 3 day latter I found that not any merchandise and not any services will be provided from service provider which use PayPal for receiving a paymentsIn XX/XX/XXXX I contact.to PAYPAL by phone and ask dispute this transaction and refund my payment in amount XXXX {$.00} However I have following message : if we contact you for more information, please respond within thetimeframe. If you do not respond within the timeframe, the case may beclosed and decided in the seller 's favor. 

Why PayPal not speechify which information will be needed, when PAYPAL contact me and what way PAYPAL will be contact me ( email, letter, phone call, ets )? 

I am already provided detail and I will be more like happy give more detail to PAYPAL to order dispute transaction and refund my payment. 

Here transaction detail : Transaction Date : XXXX XXXX, 2015Transaction Amount : - {$67.00} USDYour Transaction ID : XXXXCase Number : XXXXXXXXBuyer 's Transaction ID : XXXX
Product: Debt collection

In XX/XX/2020 I received on my credit report a debt of XXXX from an unknown company. ( MBA LAW ) This is a medical according to MBA law.

I did not sign a contract neither did I give anyone permission to violate HIPPA laws if this is a medical bill.

I called this company and they told me I must pay them the debt that was sold to them!
Product: Debt collection

1. I still havent got proof it's mine but I 2. PAID IT IN FULL XXXX POINTS should be added and per the creditor remarks it should be REMOVED. XXXX who needs to report what the pmt conformation # Is XXXX They can simply pick up the same phone they used to get the XXXX account and see it's paid. 

The lady that took the payment said it's processed and can't undo when I tried to use debit instead of my checking account ( which I thought was better ) and due to this you guys say it could take 30 DAYS!! 

At this point like I asked before sumins me to court so I can hear a judge tell me 1. You can owe someone without seeing proof why 2. You can put XXXX on a credit report WITHOUT EVEN GIVING THE PERSON A CHANCE TO KNOW ABOUT IT or resolve it at all 3. YOU NEVER TOLD ME I DIDNT HAVE TO PAY IT IN FULL that was suppose to be disclosed or I would have not even paid XXXX  XXXX honestly. Especially not knowing if it's accurate. This is XXXX remove it. If the payment doesn't go through for whatever XXXXXXXX XXXX reason THEN ADD IT BACK. But until you get my things in the mail and I get yours and you get XXXX XXXX XXXXXXXX on the phone and simply call to see I made the payment NONE OF MY REPORTS should show this account. Or I will sue you get the money back I don't owe anyway PLUS damages for me getting denied anything I apply for between now and it's removal PLUS all my court fees. Because we both know you're wrong if not see me in court and I will happily learn the law and see how something can be paid and still show up!!
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  I deposited XXXX dollar by the Atm on chase bank located at XXXX XXXX XXXX XXXX when the machine took my money after that appear error call to the bank, I called them around XXXX o clock and when we talk they ask me how much I said was XXXX or XXXX XXXX, and the guy told me ok I will send the money until we investigate, pass 3 week I check my account and they take out XXXX from my account, I call them more than 3 hours they pass me to XXXX  person, I already spoke we the supervisor and he said that they dont check cameras, this is no fair with clients because was a bank mistake and they dont give us option, is not right they can do this to clients, I need somebody help me and check the cameras and do a right investigation.
Product: Mortgage

Regarding closed complaint XXXX I contact you to your company in hopes that you could assist me with avoiding foreclosure and getting Fay servicing to actually contact me to make payment arrangements that were affordable. 
The response that I was sent stated that we did not pay our monthly payment for XXXX 2016 however we did on XXXX XXXX 2016 I have enclosed a bank statement that reflects the payment amount. The payment made to Fay servicing on XX/XX/XXXX is on page 5 of the statement I have attached. 
Fay servicing response also stated that the financial packet that was sent to them was incomplete. 
I did send the completed a packet for financial assistance to them two times the second time I sent the packet and call them no one has responded and I was not aware of a foreclosure sale date at this time. 
Can you please forward the bank statement information that shows that the actual payment was made for XXXX 2016 thank you for your time and consideration regarding this matter. 
-XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Acct # XXXX XXXX XXXX XXXX account has been inaccurately reported on my credit report as a consumer debt. This account, associated with an administrative support order, should not be classified as a debt under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). This incorrect classification is misleading and has unjustly damaged my credit profile, as child support obligations are not covered by the FDCPA.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelle 's handling of disputes, particular in light of the 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 transaction was unfeasible. the CFPBs finding indicates 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 have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact XXXX,  Transunion and XXXX  by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing Credit Reports from all three credit Agency an Charge Off amount appears on report. I have no knowledge of this charge-off amount and never received mail correspondence in regards to this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I contacted Wells Fargo Bank to make a complaint about a scam that I got reeled into when I applied for a job online and it turned out to be a scammer behind it ( mind you, I am XXXX XXXX XXXX, on social security and was looking to find a part-time job to supplement my Social Security XXXXncome ). I asked for their assistance in investigating and refunding the money I lost which was approximately {$22000.00}. Wells Fargo summarily took my information on the XXXX and closed the investigation on the same day. It seems to me that they did not investigate anything but did proceed to tell me that I would not be refunded my money. Although I explained to them that I was a 40 year customer of the bank who had never had a negative balance or a returned check, they still maintained that it did not matter as I was responsible for the scam, therefore unwilling to refund my money ( why would I be responsible? I didn't do anything wrong except to believe the clown I was communicating with via text! ). I informed them that the bank has a fiduciary duty to refund monies to bank customers that have been scammed as well as an ethical one. Didn't make any difference as they refuse to refund my monies. I was transferred to different departments with the same results. ( Mind you none of Wells Fargo employees gave a XXXX  XXXX about my predicament with the exception of 2 that were kind enough to take down my complaint in detail ). I wound up writing 3 letters to Wells Fargo ( sent them via email and had the email address to the CEO blocked so I could not send him a follow up email. I was summarily referred to their other offices for their investigation. To date, I still have not received a dime of my money. I received a letter from XXXX indicating that they apprised me that a large wire of {$4900.00} seemed fraudulent, but they allowed the wire to go through. Had they NOT allowed the wire to go through, it would have arrested this whole situation before it got to the point that it had! They indicated they had a recording wherein I was apprised that the transaction looked fraudulent, but when I asked to hear the recording, was told that it was Wells Fargo property and that I would not be able to do so. Today is XX/XX/XXXX and I'm still wrangling with the bank to do what is the lawful thing to do. To them, Elder Abuse does not pertain to this matter and neither does the law! I have been referred to their executive office on the XXXX XXXX and will call them Monday, the XXXX. In the meantime, I am back to searching for a job praying to XXXX that the next opportunity does not put me in this predicament!
Product: Credit reporting or other personal consumer reports

There is information that is not accurate listed on my credit report. I had some late payments due to COVID-19 and job stagnation during the period. I called them and explained the reasons for the late payments. All these payments had been settled and paid off. Still, these are bringing negatives to my credit reports every time I apply for credit or a loan. For so many years, I have been trying to fight this wickedness. This is the reason I bring it to here for resolution.
Product: Student loan

I am the parent of a full-time student at XXXX University ( XXXX XXXX XXXX ) , for whom I have taken out several Parent Plus loans to help fund his 4 year education. 

He is current still a full time student at XXXX University, yet my Parent Plus Loan account ( serviced by Nelnet ) has me in active " repayment '' status - when I am entitled to deferment until at least 6 months following my son 's graduation. 

XXXX University has completed and signed the U.S. Department of Education Parent Plus Borrower Deferment Request form I prepared, but I have not been able to get Nelnet to process my Request. In the meantime, my payment due date is XX/XX/XXXX at which point I fear that Nelnet will report me 30 days late on a Parent Plus loan ( for which I am legally entitled to deferment ).
Product: Debt collection

Someone used my identity and applied for American Express and XXXX credit cards, The one used my identity keep paying monthly payments and all of a sudden he didn't pay at all. Creditors have been writing letter to me to pay but i didn't pay because this is not my credit cards. I called credit bureaus and reported what happen and file a dispute of these charge offs on my credit report. If AMEX and XXXX can not provide a signature from me during application of these credit cards i need this to be deleted ASAP!
Product: Checking or savings account

I tried depositing money to my account and a ATM machine from my bank turned off while transferring money to my account. My money is still not in my account and the bank does not want to credit me until 10 business days. I have bills to pay and i will not be able to pay them due to my bank
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : CXXXX 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 XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXXXXXX XXXX  - Acct # XXXX XXXX- Acct # XXXX XXXX Card - Acct # XXXX XXXX/XXXX  - Acct # XXXX XXXX  XXXX  - Acct # XXXX First XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX has violated my rights .

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: Checking or savings account

On XX/XX/2021, {$7600.00} was fraudulently withdrawn my M & T checking account. On XXXX XXXX, I went into the branch to fill out an " XXXX  XXXX  XXXX. '' While in the branch, it was determined an electronic check was created, and cashed at a XXXX Bank, unknown location. On XX/XX/2021 I went into a local branch of XXXX Bank to see if they could help with this. They provided limited information. On XX/XX/2021 a second attempt to withdraw money ( this time {$28000.00} ) was denied by the bank as a " no debits on the account '' was placed. On XX/XX/2021, {$7600.00} was deposited back into the account. 
On XX/XX/2021 the NY XXXX  Police XXXX XXXX barracks took a report from me re this situation. Report # XXXX. On XX/XX/2021, the {$7600.00} was taken back out of the account. When I inquired with the M & T branch as to why, I was told it was done by XXXX Bank as the transaction is not considered fraudulent. I was referred to XXXX Bank, but when I went to the branch no assistance was offered, all questions unanswered, referred back to M & T. M & T told me in XXXX that this is an open investigation. The local branch can not ( or will not ) provide me with some division within their company as to who I may consult with this. The NY XXXX XXXX XXXX assigned to the case stated to me he has met with much resistance from XXXX Bank re this matter.