23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, 2023 and on XX/XX/2023 I sent two certified letters to Exeter Finance asking them to validate debt that I have with them. I specifically asked that they provide me with any written or contractual agreement that I have with them regarding debt they say I owe while being in compliance with the Fair Debt Collection Practices. Exeter Finance responded with inaccurate information, they did not provide the requested information to prove and authenticate a debt that I have with them. I further explained in my letter that according to state and federal law as defined in consumer debt practices, I do not owe them a debt and they have yet to validate any debt owed. Based on their meaningless claim, they have my personal information and is using it without my my consent. Such actions, Exeter Finance has reported inaccurate information about me to each credit bureau. These actions defame my character which adds hardships to myself and family. I have attempted to resolve this matter with Exeter Finance and as of XX/XX/2023, they still say I owe a debt to them but they are unable to authenticate any debt or produce any signed contract that I have between their company XXXX Exeter Finance ) and myself.
Product: Student loan

on XXXX I received a response to my initial dispute. I just need clarification on the things that they specified in their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$360.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$360.00} Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Checking or savings account

My debit card and phone were stolen on XX/XX/year>. I report that my account was hacked through my phone and fraudulent transactions made via XXXX. I also report fraudulent transactions on my debit card at a XXXX store and money withdrawn via ATM. This was reported on XX/XX/XXXX and XX/XX/XXXX. 

My claims for XXXX and XXXX store were refunded but the ATM was not. I asked for an appeal was told to submit a police report. I finally received the police report on XX/XX/XXXX and submitted. I did not receive any communications from the bank. I called XX/XX/XXXX to ensure they received it and reviewing, they say yes. I called again on XX/XX/XXXX and they said it was being review no action taken yet. I called again on XX/XX/XXXX and got the same reply and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the claim was denied. I did not receive any communication from the bank. 

The claim was denied because the ATM card was used with my PIN. I told them my PIN was the same as the pin to get into my phone and that the individual who stole it likely saw my pin used on my phone and also at the store. They would approve the fraudulent charges even with the police report.
Product: Credit card or prepaid card

At my demand and with the assistance of an XXXX representative my PayPal accounts were supposedly closed a year ago and no further communications requested. 
The receipt of two scam notifications stating my account was charged ( no account number given ) was forwarded to CFPB in Complaint No XXXX which requested confirmation all accounts were closed iand any information secured. 
Soon after PayPal sent another email about messages waiting on my PayPal account which allegedly don't exist : CFPB Complaint Number XXXX. At that time I requested the company be fined for continued communications and that they cease and desist. 
Now, on XXXX XXXX I receive another notice to log into my non-existent PayPal account which is nothing short of continued harassment ( copy attached ).
Product: Mortgage

On XX/XX/2019 I sent a written request to have the private mortgage insurance ( PMI ) removed from my mortgage account with Sierra Pacific Mortgage. On XX/XX/2019, after several calls to follow-up with the mortgage company, I finally received a letter with the information on the PMI removal process. In the letter they requested a check for {$420.00} for the appraisal. On XX/XX/2019, I sent a check for {$420.00} and it was cashed on XX/XX/2019. Almost 30 days after the check was cashed, I received a notification that because of the complexity of my appraisal they needed another {$150.00}. There was no explanation as to what made my appraisal " complex '' or why the appraisal fee was more than we I made a similar request a year prior. I sent a check for {$150.00} on XX/XX/2019 and it was cashed on XX/XX/2019. They seem to be able to cash my check very quickly, but their follow up customer service is terrible. I have now followed-up several times to schedule the appraisal and get this completed and was last told on Monday, XX/XX/XXXX that I wouldn't receive a response until XX/XX/XXXX or later. I said that was unacceptable - I have waited since XX/XX/XXXX to have this completed only to be delayed left and right by Sierra Pacific. It should not take four months to have an appraisal done on a home. I told them if I didn't get a call by end of business on XX/XX/XXXX I would file a claim. They said they would escalate it to management. I never received a call. I feel this delay tactic is a ploy to get more money from me from the PMI. I also feel I will end up at a disadvantage because by the time they may finally schedule this appraisal, the housing market may have cooled down and the value may not be where I need it to be. I have a low interest rate on this mortgage and I feel they are using these tactics to force me into refinancing the property which would cause me to pay them even more money than I have already spent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a potential victim of the Equifax security breach
Product: Credit card or prepaid card

On XX/XX/19, I received a credit card from First Citizens Bank with a Credit Limit of {$15000.00} that I never filled out an application for, submitted a SSN for the card, sign my name to an application for a card, and never asked First Citizens for a credit card for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Student loan

My MOHELA account was unexpectedly placed into forbearance in XX/XX/XXXX. I did not request this forbearance, as I am completing payments for Public Service Loan Forgiveness and XX/XX/XXXX would've been my 120th payment. On XX/XX/XXXX I received a message stating my first payment was due XX/XX/XXXX. However, when I logged into my MOHELA account on XX/XX/XXXX, I noticed my account status had changed to forbearance although I never requested this. 

I contacted MOHELA three times ( twice over the phone on XX/XX/XXXX and XX/XX/XXXX and once in writing on XX/XX/XXXX ) requesting to change my status to repayment. I was told they would change it, but they never did. Now on XX/XX/XXXX, I received a message with a statement attached stating my loans are in forbearance until XX/XX/XXXX! This is the opposite of what I requested! On top of the complete incompetence and mismanagement of my account, it takes 2.5 to 3 hours of holding to speak to anyone. Waiting to talk to someone doesn't do any good though, as they have failed to meet any requests regarding my account.
Product: Checking or savings account

I have an account with Bank of America since I was XXXX XXXX and they are transferring my weekly paycheck from XXXX XXXX to another account I do not have access to or have I given them permission to do so. I am an XXXX XXXX XXXX and my parents are XXXX XXXX. I have not received my weekly paycheck that I use for expenses to afford XXXX  for almost three weeks. This has cause an undue hardship on me. When I contacted them regarding this matter they were vague about where the monies went as I do not have access to account. I want my monies to be put back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - Equifax - XXXX, XXXX XXXX, XXXX  XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXXXXXX XXXX. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that CS rep failed to do her job and also told me since the debt was paid off the account would be removed
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  I used Wells Fargo ATM XXXX to deposit {$1000.00} into my Wells Fargo account. I verified it was received and deposited into my account XXXX times and finished my transaction before leaving. When I returned home so that I could pay rent approximately XXXX minutes later. I discovered {$1000.00} had been withdrawn from the same ATM XXXX using my debit card. I did not make a withdrawal and I still had my card in my possession so I was very confused as to where my money went. I immediately returned to the bank to talk to someone ( 30 minutes after my deposit ). The bank teller I spoke to told me there was nothing they could do on their end and an internal complaint/ dispute had to be made. The bank teller called their customer service line which then a claim was made with customer service and my card closed all within 40 minutes of my deposit transaction. Customer service stated they would review camera footage and the investigation would take up to 10 days. I was not given any credits to my missing money and told to just be patient. I was unable to pay rent therefore I received {$220.00} worth of late fees on top of the already missing {$1000.00}. The very next day XX/XX/XXXX the withdrawal transaction was authorized through the bank. On XX/XX/XXXX I received a notification that the investigation was concluded and they found no error made on my debit card so I would not be receiving my money back. I was not physically at the ATM when the money was withdrawn so Im not understanding how they concluded no fraud or error took place. I have my digital and paper receipt from the only transaction I made which was a single deposit which is also time stamped. I did not receive a notification or receipt for the withdrawal that I did not complete or authorize. I have already received a new debit card in the mail, however I have still yet to receive the results from the investigation.
Product: Checking or savings account

Some of accounting is off on my transactions and Im usually over-drafted by the time I realize it. Then I have random credits that arent applied on time from former deposits and XXXX.
Product: Student loan

My student loans through Nelnet are reporting inaccurate information and according to the fair lending act, I deserve my reports to report accurate and factual information. Nelnet has inaccurately added derogatory information to my report causing a significant decline in my credit report having a domino effect for my family and I. I am requesting Nelnet to update the reporting and remove any and all derogatory remarks on my credit report causing the decline of my overall credit score swiftly and expeditiously.
Product: Debt collection

XXXX XXXX continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXX of 2023.
Product: Debt collection

To whom it may concern, I JUST saw today that there is information in my name being used on my credit report and I need to file a dispute. This item is fraudulent, and impacting my relationships with creditors. I've never had a collection on my credit report & I have know idea who this company is! Please remove this collection asap please. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent a debt validation letter to Receivable Management Corporation on XX/XX/2022. It has been over 30 days with no response from the company about the debt they claim I owe of {$1000.00}. I sent this letter certified mail via USPS.
Product: Money transfer, virtual currency, or money service

Im writing to informally express my concerns regarding zelle handling of disputes, particularly in light of 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 were impossible and that tracking these transactions were not feasible. The CFPB findings indicate that zelle was not only neglected to protect consumers but has 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but it appears that there was an internal processing delay that caused the payment to be recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]
Product: Mortgage

Wells Fargo has increased my escrow payments by 30 % roughly 300 dollars without any substantial increase in my taxes or hazard insurance premiums. I have filed two complaints with them and have been working with their executive resolution center for months. I initially contacted them identifying there is an overage in my escrow account and they were improperly paying my taxes on a quarterly basis when the state of Alaska accepts and bills taxes on a bi-annual basis. They then came back telling my escrow monthly payment will increase and now there is a shortage and in turn, my monthly mortgage payment will increase. I never started a loan with Wells Fargo I utilized a small federal credit union that in turn sold my loan directly to Wells Fargo after closing on it. I have had several phone calls with their customer service resolution team to no avail or real care for them to fix this issue. They are also trying to add a random third tax payment to reflect my taxes almost being {$10000.00} a year where is mid {$6000.00}. Their methods for calculations on escrow accounts are predatory at best, and their customer service system is designed to keep you bogged down and wear you out so you simply quit pursuing your issue. I can not afford this approximate {$300.00} increase nor will can I tolerate it. I requested to remove the escrow account it was denied as the VA mandates it which is not technically true. The VA mandates escrow accounts to homes within a 90 % loan to value ratio. All while I am an XXXX XXXX veteran no human being deserves this treatment and such a threat to provide for their family. I have attached supporting documentation for the hard numbers along with XXXX tax information.
Product: Payday loan, title loan, or personal loan

I was contacted by a XXXX XXXX from OSG Billing Services at XXXX XXXX regarding a payday loan with XXXX  XXXX  XXXX. She asked me if I was willing to voluntarily deal with this debt. I replied yes twice to this person. She told me she was going to send it back as 'refused ' This is fraudulent information she is reporting about me regarding my account. I asked for contact information for the company several times while on the phone with Ms. XXXX. She would never provide me with a mailing address for this company. I guess this is their gas-lighting procedure that they do. If you don't comply with what they want they lie about the outcome. I have been harassed by this company for months. They called my parents home today. My parents have nothing to do with this. 

I call the number back and ask for the company address several times. I get the run around. Nobody will give me the contact address. I called back to ask to speak to this Ms. XXXX and it goes to her voicemail every time. She knows she was acting unethically. 

I emailed an email address for the company telling them that I can not put my statement on the account.