23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a notice of debt validation ( as per 15 USC 1692g ) to PenFed Credit Union received by them XX/XX/2022. PenFed sent a response but did not fulfill the validation request and are threatening to post inaccurate and unverified information to the credit reporting agencies. They have repeatedly violated multiple consumer protection laws against my account and have collected unearned interest that I require to be returned to me along with restitution for violations committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX ( Account # XXXX ) and XXXXXXXX XXXX ( Account # XXXX ), have violated my rights. 

15 U.S.C 1681 section 602 A. states that 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. 

The name " XXXX XXXX is inaccurate and is not my name. The Telephone number ending in XXXX is inaccurate and needs to be removed from my personal statement. 

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 or other personal consumer reports

This is my XXXX requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} 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 XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have no acknowledgment for this Educational Loan from XXXX/KeyBANK for the amount of {$7800.00}. This account was opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is about the following accounts : XXXX/XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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, credit repair services, or other personal consumer reports

According to the site Equifax set up to check if your information was exposed my was. They then offer a link to provide free monitoring and protection. When you click on the link they give you a date on which you will be allowed to apply for the protection. The date they offered me was XXXX, unfortunately on that date I will be on vacation in the middle of XXXX XXXXXXXX XXXX and do n't really have easy access to a computer, I also do n't want to deal with this on my vacation. When I call their " support '' number all you get is a referral to help page, which does not let you get to someone to switch the date. I asked to speak to a supervisor and was told they did not have one at call center. I feel that at a very minimum they should offer multiple dates more than one or two weeks apart for signup. Ideally since this is probably just going to be an application for coverage and protection, the form should be accepted anytime. In fact years ago when XXXX XXXX in XXXX XXXX was hacked they AUTOMATICALLY enrolled all exposed customers with this same protection for a period of a couple of years. Please see what you can do to make the process for enrollment more flexible or even better yet automatic.
Product: Debt collection

They sent me a letter on XX/XX/2019 stating I owe them a debt. They have since been very disrespectful and harassing towards me. One specific person Mr. XXXX XXXX has told me on multiple accounts that he will have my drivers license suspended, that I am irresponsible, that I am a child, I am immature, I have poor financial responsibility. He is very rude. Today (XX/XX/2019) he called me 6 times from a blocked phone number. He left me an anonymous message stating his name and that he “suggests I call him back by close of business today” intending a threading “or else” message. I’m very sick of it. I tried to be kind and work out a payment arrangement with them and he has done nothing but make threats and be disrespectful and belittle be as a person. They should not even be allowed to practice given the fact that they have horrible reviews everywhere. Be aware of them! They are violation the fair debt protection act!
Product: Debt collection

I moved into my current residence XX/XX/XXXX. The prior resident XXXX XXXX XXXX was evicted from the residence due to non payment of rent. She had an installment loan with SET Financial I have had representatives of SET financial show up at my residence numerous times at night XXXX trying to contact XXXX XXXX. Yesterday on XX/XX/XXXX I came home to find a constables business card left on my front door stating a case was filed. After contacting the constable I discovered the claim was not against me but XXXX XXXX for SET Financial. I informed SET Financial today XX/XX/XXXX that if they do not cease all harassment against me trying to find XXXX XXXX that I will take legal action against SET. I do not know XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX XXXX. EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

The inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling 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 cracking these transactions was infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card

I am filing a complaint against Capital One for wrongfully closing XXXX of my credit card accounts due to a payment issue caused by an error in their app. I mistakenly used an old bank account that I no longer have access to for a payment, which resulted in a chargeback. Once I realized the mistake, I contacted Capital One to explain the situation and my financial hardship, including the recent loss of a family member. Despite my efforts to resolve the issue, they refused to assist me in any way and still expect me to pay off the balance with interest. The closure of my accounts has negatively impacted my credit and financial situation, and I am seeking assistance in resolving this matter fairly.
Product: Credit reporting or other personal consumer reports

EXPERIAN, EQUIFAX AND TRANSUNION ARE REPORTING AN ERROR, CLAIMING I WAS 30 DAYS LATE FOR THE XXXX PAYMENT. THIS IS NOT TRUE! PAYMENT WAS MADE ON XX/XX/year>. NOTE : IF PAYMENT WAS MADE ON THE XXXX, THIS DOES NOT MEAN THE PAYMENT IS 30 DAYS LATE. LEGALLY HAVE UNTIL XXXX XXXX XXXX, ON THE XXXX OF EVERY MONTH BEFORE IT IS A 30-DAY LATE. THIS IS VIOLATING MY RIGHTS UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is dose not belongs to me XXXX XXXX XXXX
Product: Debt collection

The debt collector employed abusive, deceptive, and unfair tactics prohibited by the FDCPA. They provided details of this account without my agreement or signature on any agreement. A legal contract involves the consent of both parties, yet I had no involvement in this matter. Furthermore, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights were infringed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.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: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, I am writing as part of a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

I am asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving me unable to move forward with my life. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

I implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, A XXXXXXXX XXXX XXXXXXXX of a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX I checked my online checking account with Webster bank and noticed in amount of {$67.00} taken out of my checking. It showed a purchase date of XX/XX/XXXX. And a cleared date of XX/XX/XXXX. The transaction shows it was taken out by XXXX XXXX XXXX XXXX XXXX. Phone number XXXX upon noticing this transaction I immediately called my bank and told them about fraud. I told the to cancel the card and sent me a ATM debit card in the mail as I put in a fraud claim. They came back to me about 10 days later and denied my claim saying my IP address was used the security # on the back of the Visa debit card was used and my House address was given. They sent me an e-mail stating they denied me and to fax 7 questions over to them to reopen the claim so I did. So I also went down to the police station and opened up an identity theft fraud case due to the fact they told me my IP address was used. And then today on XX/XX/XXXX I received another denial letter telling me that my IP address was used in my home location and somebody I know must have made a transaction with my card. I have never authorized anyone but myself to make transactions and I did not authorize that turns action I did not do that transaction. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. I never made this transaction I still am fighting this tooth and nail it is all the money that I own at this current time. I have received two denial letters about 3 weeks apart.
Product: Mortgage

In XXXX Shellpoint Mortgage took over my loan. I signed up for every XXXX auto pay, and pay additional XXXX a month. For example. They withdrew XXXX the following dates. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX then mail me a payment of XXXX saying XXXX is overdue. This is a regular occurrence since I've had the loan. I have called an complained. Because, I have had several Mortgage companies over the years. None of them has put my payments a month late. I've called a few times and they said it didn't matter, they weren't charging me a late fee. But, I was very upset, because they should be applying to the interest. I have all documents from bank. They always apply my payments a month late. majority of my payments are XXXX month late. Then every now and then it will say I have an overdue payment of XXXX By applying a month late it is defeating the purpose of paying ahead. Plus, I thought majority of interest was paid in beginning of loan. Desperately looking for answers, since I'm at retirement age. I just think what they are doing is wrong. Thank you so much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, Trans union, XXXX  and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Product: Credit reporting, credit repair services, or other personal consumer reports

have ftc report filed report # XXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise
Product: Credit card or prepaid card

I purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.
Product: Credit reporting

I have been paying XXXX : XXXX XXXX - XXXX accounts- XXXX should be closedXXXX XXXX these accounts are showing XXXX days past due.