23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account that appears on my credit report. I have reviewed my credit report and found an entry from XXXX XXXX XXXX XXXX for account number XXXX that I do not recognize. I request that this item be investigated and removed from my credit report for the following reasons : Lack of Signature and Authorization : I have no recollection of ever opening this account, and I have never signed any contract or agreement pertaining to it. I request verification of my signature on the original contract associated with this account. Please provide a copy of any documents that bear my signature. 

Insurance Claim : If this account was claimed under any insurance policy, I request documentation proving this claim. Specifically, I need confirmation of the insurance policy details, the nature of the claim, and how it pertains to me. 

Verification Process : I question the methods used to verify this account without my signature. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a detailed explanation of the procedures used to verify the accuracy of the disputed information. Please provide a comprehensive account of how this collection was verified and confirmed to be valid. 

In accordance with the FCRA, I request that you investigate this matter and remove the erroneous collection account from my credit report if it can not be verified. Please notify me of your findings and actions in writing.

Attached are copies of my identification and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the FCRA. 

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

I am disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section XXXX. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX, A XXXX A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX BANK XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

in approx. mid XX/XX/XXXX, i selected Supreme Lending. after several months of sending paperwork, forms, financials, bank statements..etc, they had no updates and no progress. each month they requested additional updated items, but still no progress. 
after several month, being first week of XX/XX/XXXX, i asked for an update and status. no reply. on XX/XX/XXXX, i did so again. with no replies. 
On XX/XX/XXXX, i asked them to haul with whatever they were doing and i was going to go another direction as i thought over 6 months with no updates or progress was ridiculous. 
i requested that they send me all of my financial, personal and business forms that we had sent them so i could start this with another group. they simply replied with No. we don't do that. 
i asked them to send the forms to me within 48 hours so i could go another route and needed the documents i had sent to them. they have never replied or sent the items. 
this firm is extremely unprofessional, very disorganized and does not know what they are looking at as far as requested financial information. they do not communicated and are procrastinators beyond my understanding. 
i hope that reporting these issues is something you can resolve and save future issues with others. i will take on the big expense of starting all over again. regards. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account listed on my consumer reports are invalid. Please see the attached for complete arbitration details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiple times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For
Product: Debt collection

I get several calls a day from this company. Sometimes after XXXX.
Product: Money transfer, virtual currency, or money service

On Wednesday XXXX XXXX I solid {$1900.00} worth of XXXX XXXX on coinbase. {$1800.00} of which should have went into my XXXX wallet on their site as cash. The remaining {$28.00} was their transaction fee. As of this complaint i still have not received the money from the sale. After opening a complaint ticket that has only been replied to with a non related automated response and the waiting a total of XXXX hours on hold over the course of 3 days I was informed the money was sent to a nonexistent address and I would just have to wait. This does n't make any sense I have executed several transactions before and after this incident exactly the same way and it was fine. The system only requires you to click the icon for you XXXX wallet and then select your XXXX wallet to execute a sale at no point are you required to enter any information. So the possibility of a data entry error on my end is absolutely 0 %. I have now been waiting 14 days for a remedy.
Product: Prepaid card

XX/XX/XXXX I called the bank through my employer for a replacement card. The man on the phone said a replacement card should have been sent already but he checked and said it never got delivered so he would send me one over night free of charge I said ok. He said overnight usually has a fee I told him I want paying the fee and that I would be ok wait the 8-10 business days for my replacement we got of the phone and my card was charged. This was a employee mistake not mines now the bank through my employer is not trying to give me my XXXX dollars. I understand the XXXX was for the shipping but I stated that if I have to pay I will just wait the 8-10. The employee told me I wasnt being charged that is theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXX XXXX  with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX XXXX  with a balance of {$250.00}, Capital XXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2020 you are in violation of 30 days month definition by letter of the law which first appeared XX/XX/2020 For the reason given I demand closure of account effective XX/XX/2020 when balance reaches XXXX. I paid {$5.00} on XX/XX/2020 That mean your {$5.00} fee because was perpetuated too early is fraudulent and must be reversed.

Any resistance from your side will be faced with litigation for perpetuated phony debt fraud.

Going to submit complain to CFPB Pending TransactionsXX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} Posted Transactions Actual Balance XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$10.00} {$0.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} {$10.00} XX/XX/20 XXXX XXXX XXXX CA {$4.00} {$40.00} XX/XX/20 Debit : Foreign Transaction Surcharge {$0.00} {$44.00}XX/XX/20 XXXX  - XXXX XXXX XXXX {$16.00} {$45.00} XX/XX/20 XXXX* XXXX   XXXX  DE {$33.00} {$62.00} XX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} {$95.00} XX/XX/20 Credit : XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  , CA XXXX  {$100.00} {$100.00}
Product: Debt collection

I paid XXXX XXXX XXXX the full amount of the debt that they are reporting on my credit in late XXXX or early XXXX of 2018. I spoke with them on the phone and gave them full payment. They said at that time that they had already began the process of sending it to a debt collector but they were going to remove me from their file. A few weeks later, I started getting calls from a debt collector and I explained to them that I had already paid this. I disputed the debt, spoke with XXXX XXXX XXXX, and it was removed from my credit report. The debt has since been re added by a different debt collector known as Franklin Collection Services. I never received any notice from this debt collector that they were putting anything on my credit. I spoke with the debt collector this morning and let them know that this has already been paid and that I never received any written notice of this. The agent refused to remove the debt.
Product: Debt collection

1. Inaccurate Reporting The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve Loans I am concerned that [ Bank ] may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent w ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan.

This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted NFCU on XX/XX/XXXX because the initial check was rejected and to issue a new vehicle loan check. I was advise to request the dealer to mail the old check back and for me to come back into the branch to sign a new check. Upon waiting for the old check to arrive the dealer passed away and NFCU never received the check back and I'm not on the hook for a vehicle that I don't possess. I reached back out to NFCU to resolve this account and provide any details to move forward with this dispute.
Product: Mortgage

There is a discrepancy in overall interest paid in XXXX by me for this property. As per last statement, XX/XX/XXXX, it was {$1000.00} while as per XXXX it's {$880.00}. Mr. Cooper has to be careful when doing any calculation. I faced so many issues while using Mr. Cooper as I was not given the online access at all. It seems my miseries are not over even when the loan is over with Mr. Cooper. Reported this to Mr. Cooper on XXXX XX/XX/XXXX.
Product: Student loan

I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.
Product: Debt collection

Much of the earlier responses were inaccurate because I didn't have a great options. 

My complaint is against : Midland Credit MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX According to my recent credit report, they have pulled my credit 12 times between XX/XX/XXXX and XX/XX/XXXX. I believe this to be excessive, invasive, and also damaging to my credit. I owe them {$1200.00} from a XXXX XXXX  Account ( XXXX XXXX XXXX installment ). I am trying to repair my credit - about {$30000.00} in collections. They are the ONLY company to have pulled my credit more than once over this time frame. I owe XXXX  XXXX XXXX over {$15000.00} and XXXX  XXXX XXXX only pulled my credit once ( very fair ). 

If there is no limit on how often they can pull credit, I can understand. But this seems beyond excessive compared to every other company that I have business with.
Product: Student loan

Today ( XX/XX/2022 ) I received a predatory mailer from the student loan servicer Navient. The mailer encouraged me to refinance my federal student loan, currently in coronavirus related forbearance until XX/XX/2022, with Navient. The mailer incorrectly states that the federal student loan payment pause will end on XX/XX/2022 ; this is months earlier than reality. Its predatory and unethical to mislead consumers about federal protections in order to make money off their existing debt.
Product: Credit reporting or other personal consumer reports

The company in questioXXXX XXXX XXXX XXXXhat I know nothing about and definitely do not owe them. This company reported this amount to Credit reporting agencies. Namely XXXX and XXXX. The amount that they're reporting that I owe is {$100.00}. The company name is XXXX XXXX XXXX : They have flagged my account as collections on XX/XX/year>. 
I don't know or owe this company.