23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received calls and notices from Choice Recovery in regards to an alleged debt owed of {$1800.00}. I sent a dispute notice for validation a few months ago and never received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. 
According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXX  -Balances XXXX  out every month -Audit trail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Product: Mortgage

I had originally gone to a XXXX ( XXXX XXXX XXXX XXXX XXXX ) for financial counseling with the goal of reducing my interest rate on my mortgage. Their suggestion was to assist me with a modification application. I found out several months later that there were far more effective ways to reduce my interest rate ( potentially a streamline refinance ). Furthermore the modification, while approved, was terminated as a consequence of my lack of financial hardship. Before applying, I had actively stated to my servicer as well as the counseling agency, that I did not have a financial hardship. The goal was strictly to reduce my interest rate. Now, my sister is very ill, and I have been traveling back and forth from my home in XXXX, to her home in XXXX. During this time, I was unaware that the modification had been terminated, and the monthly payments I had made were not the appropriate amount. Consequently, the delinquency started to have a negative impact on my credit and prevented me from more appropriate refinance options. XXXX, seeing the error had attempted to work with CHASE directly to no effect. However, this continued to drag out a timely resolution to this process. By XXXX, I had started again to work with chase directly. I had requested a payoff amount through XXXX XXXX from the escalation department in XXXX. During this time, a XXXX form the Executive Office, reviewed my situation, saw the problem and suggested that there may be a solution to accomplish the goal of the reduced interest rate ( suggesting modification or refinance ). However, I said that I may be interested but still requested the payoff. For the next several months I received letters stating to be patient and that research was being conducted. After growing impatient and concerned about accumulating interest, I had contacted them back to follow up in XX/XX/XXXX. Apparently the research was being conducted but they submitted a new request for a payoff. My family, increasingly concerned about my housing stability, felt compelled to lend me money to exit this situation. 

At this point, chase has drawn their line in the sand about the interpretation of events, and I am in a position where litigation would become too costly to resolve what for some people, would be a minor issue. However, I am on a fixed income, and the potential $ XXXX-XXXX in interest accumulation that would have occurred during these times, are the difference between me being able to cover the annual expenses on my home. Further more, my credit shows significant delinquency over the last several months while this situation was being resolved. I have gone from being able to borrow in the event of an emergency to being unable to borrow anything ( Fico XXXX of XXXX to Fico XXXX of XXXX ). The good will from my family has been exhausted and these errors have eroded my stability.
Product: Debt collection

I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light 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 transactions was unfeasible. The CFPB 's 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: Money transfer, virtual currency, or money service

paypal suspended my account until i verified my identity for some reason they would not tell me. it took me a few weeks to gather all the required documents but eventually did ans submitted them. i provided ID, bank statement, and an account transaction history. after a couple days i went to log in and got a big message across the screen that i could no longer use paypal. plus my account balance, all the money i had at the time, would be held for 6months and then i would get an email telling me how i can get my money! i still cant believe they are able to do this to people
Product: Mortgage

Bank of Ame rica Home Loans have co nsistently violated the Consent Judgment Order/Supplemental Order (  XXXX  '' filed in the FT C v. Countrywide Home Loans and BAC af ter reprimand from the FTC. I was a recipient that received restitution from CWHL resulting from their abusive practices. Bank of America and  XXXX , successors to  Countrywide, a re continuing their abusive, deceptive, and, mispresentation practices. I have filed more than  XXXX  complaints that spans a period of 3.5 years against Bank of America and  XXXX  journalizing these abuses over the years. I am hopeful this complaint will be forwarded to the FTC for further investigation.
Product: Mortgage

your company failed to provide the required notice of additional required documents w ithin five ( 5 ) b usiness days in violation of Regulatio n X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore , this client 's application is entitled to be treated as facially complete pursuant to Regulation  X, 12 C.F.R. 1024.41 ( c ) ( i v ).
Product: Credit reporting or other personal consumer reports

Reporting on my credit of XXXX owed to an apartment complex I never lived at or applied two call the credit companies and XXXX and XXXX stated its not reporting on there end anymore the company removed it called XXXX XXXX and the stated it was reported asked to dispute it she agreed to then responded back that it wouldnt allow her to dispute it because it some incorrect information reporting I call the collection agency national credit system spoke to @ XXXX XXXX XXXX stated he trying to collected a debt I asked for information regarding this debt XXXX stated he not have any information on the debt I proceed to ask XXXX how could you collect debt with no information on the debt I also advise him that by law the company XXXX XXXX apartment phone number is XXXX could not sell my information without my consent XXXX hung the phone up. Its been such a headache going back and fourth with all the credit agencies and collection I have lost the oppuntinty for and amazing chance for this apartment I was trying to moving
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  Transunion Im Writing to you today in shock due to the fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

Todays date Accounts is being reported with 2 different prices under date last active. If this is the same account being reported by the same creditor why is the information different? 



XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX TRANSUNION Account Name : XXXX XXXX  Account Number : XXXX Balance:XXXX
Product: Credit card or prepaid card

My mom died in XXXX and because of the dying process her credit card payment was a day late to the credit card company XXXX. I called and they agreed to waive the {$35.00} late fee. They then sent a bill with more late fees for not paying the late fee they agreed to waive, I called again and they said it wasn't processed because their person forgot to ask me for a death certificate. I mailed the death certificate. They then sent another bill with more late fees and when I called, said they received but couldn't find the death certificate. The death certificates cost more than the late fees and they are continuing to harass us for continually compounding fees.
Product: Debt collection

I sent at least XXXX and more than likely XXXX emails to the company to see what I am paying for monthly for the next XXXX years. I never received an answer as to what debt is being paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send 3 written requests to credit bureaus requesting original documents, and proof of late payment with date of late payment from the company and proof that i was late. All 3 credit bureaus did not send me ANY proof just sent me back mail stating company verified information? I asked for the proof and they failed to provide me the proof of my late payment with XXXX XXXX XXXX XXXX. I also told ALL 3 credit bureaus that if they didn't provide me with the actual proof that they were violating the Fair credit Act and still they failed to send me the proof requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

My company XXXX submitted disputes to Experian, XXXX and XXXX XXXX on the XXXX of XXXX. Almost immediately Experian sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in one day. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Yes my name is XXXX XXXX and wells Fargo claimed I open an account that I never opened I would like it taken of my XXXX XXXX report and compensated
Product: Vehicle loan or lease

Account got locked at Sheffield Financial. Have called numerous times and can not get ahold of anyone who can reset my account to pay my bills
Product: Debt collection

I received an alert from my bank about negative activity on my credit report. I had already placed a security freeze with all three bureaus after the XXXX  data breach, so I was surprised to get this notice. I checked my credit report and saw a new account under collections for Credit Management LP on behalf of XXXX XXXX for {$300.00} past due. I have not used any services from XXXX since I was in college and I never missed any payments then. I did not receive any written notice or phone call from either XXXX or this company about the alleged debt. I called XXXX and they have no current record of me having an account related to this. This debt collection agency seems fraudulent and Ive initiated a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a Fact, that, I, XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney in fact, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name, XXXX XXXX and as the agent and administrator in fact. 

Notice, it is a fact, XXXX is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove this inquiry BANK OF AMERICA XX/XX/2020 as seen on my report in Exhibit ( 1 ). 

Notice, it is a fact, XXXX  is aware, this unauthorized inquiry which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and BANK OF AMERICA is in violation of 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry.
Product: Credit card or prepaid card

I opened a capital one account 4 years ago and used the card XXXX time. After using the card I called the number on the back to make payment and was told I can not make payment because the account has been frozen for identity issues so the ask me to send a copy of my ID and a copy of my social security card and a piece of mail with my name and address preferably a bank statement or bill so I did all of the above and about XXXX months go by and I get contacted that my ID wasnt good enough because it was a pass port card and I needed a state ID and I told them that I was not paying to get a card that I do not need that a passport is federal and they said they would not except it. So another month goes by and I received a call from a lawyer saying my information has been compromised by the credit company capital one and I explained what had been going on with them not letting me pay my account and close it because of the stuff they put me through. The lawyer said he could take payment and clear everything up and remove any outstanding charges and interest and he did exactly that. But then I received a copy of my credit report and it shows capital one as being substantially late by 120 days. I sent them all the information I had and they took it down to 60 days late and its been making my XXXX XXXX go down every month since. Now its been 5 years and I have excellent credit with all my accounts and have never paid late or missed any payments but because capital one still shows for 7 years the I miss payment for 60 days late and it takes over XXXX points off my XXXX XXXX every month and I cant get my score to go above XXXX points after all this and it still affects me every month for XXXX more years and thats not fare. I tried to take care of this immediately and they wouldnt let me in because the account stayed frozen for 120 days. Thats how theyre keeping it on my credit report and thats not fair. Ive been XXXX years with excellent credit and they are destroying my credit report every month and I can not get my score to go up and its holding me from getting better credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should n't divulge my information without my consent. No consent was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-buyer for an account with Carrington Mortgage ... Carrington continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As I stated I have attempted to get in touch with Experian a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See  Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a )  There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR EXPERIAN TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
Product: Debt collection

I have receive repeated calls from Merchants Credit ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX // ( XXXX ) XXXX ) most recently a XXXX XXXX stating that I owe money for an unpaid medical bill. After being repeatedly asked to provide personal identification information which I declined to provide because I felt that providing this information presented an identity security risk, I provided my current address several times and I have yet to receive a copy of the unpaid bill and Merchants Credit has falsely reported this information to the credit bureaus negatively damaging my credit rating.
Product: Checking or savings account

On XX/XX/2019, my checking account and savings account had multiple unauthorized transactions originating in XXXX. The total amount that was withdrawn at a bank teller without my authorization amounted to {$3400.00} in my checking account and {$1700.00} in my savings account, combined total {$5100.00}. Suspecting fraudulent activity in my account, I reached out to Bank of America the very next day on XX/XX/2019 and setup a claim/complaint with them. 

As per Bank of America 's advise, I had my savings/checking/debit card which had these transactions immediately frozen. Bank of America informed me that they would investigate the claim and get back to me within 60 business days. I followed up weekly with Bank of America to understand the progress and also if they needed any information from me. Bank of America didn't request any additional information from me. After 60 days on XX/XX/XXXX they sent me a letter indicating the claim has been denied. 

Considering these transactions occurred at a Bank Teller at different branches of Bank of America, per the transaction ID, I was hoping Bank of America would retrieve video footage at these locations and identify the source of the fraudulent transaction. But this seems to have not occurred and instead the bank rejected my claim indicating PIN was used for this transaction.