23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. 

On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. 

Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. 

I wasn't able to reach you on the phone. 

Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? 

Just let me know what you are needing to do, and I will see what I can get done for you. 

Thank you, XXXX XXXX Loan Manager Essential Lending Inc. 

XXXX XXXX ext. XXXX XXXX fax
Product: Debt collection

In XXXX  I settled debt with Paypal/Synchrony Bank and closed my accounts with them ; I had one and my husband had one. Apparently, they decided to sale my debt to third party ( XXXX XXXX XXXX after settling my account with me. Now, XXXX XXXX is attempting to collect approx. {$500.00} from me when I have already paid the money to the original creditor! I am no longer responsible for this debt!! I have proof that I paid it and I will not pay one more cent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following status is incorrect and incomplete XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

XXXX XXXX company continues to report the status of payment as Foreclosure paid. This incorrect status is preventing me from securing housing.
Product: Debt collection

XXXX came to my home to install an alarm two years ago. The alarm was not installed correctly. I called several times and once a technician came out to my house and still continued to have the same problem. I called them and advised that I no longer wanted an alarm that did not function correctly. I told them they could come and pick up their equipment at any time. To date, I have never received any notification from XXXX or further billing. Now I see that the debt has been reported to my credit report by a collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed multiple inaccurate late payments on my credit profile.
Product: Mortgage

I have been a customer of Wells Fargo for many years I currently have a checking account and my mortgage with them. I had a credit card with them in the past. I saw an article that customers may be entitled to monies owed to them. How do I know if I qualify?
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> my information was used to establish several utility bills totaling about XXXX I never gave anyone permission to use my personal information this has ruined my credit that Ive worked extremely hard to build over the years my creditors are reducing my card limits due to this situation all kind of stuff is going wrong due to this mishap,
Product: Money transfer, virtual currency, or money service

I have an account with PayPal in which i was having my Georgia unemployment benefits deposited into. I have zero fraudulent activity and zero chargeback history on the account, the account is only used to receive my funds each week and then i would transfer them to a Prepaid Paypal mastercard account to access them. 
Well, on or about the month of XXXX of the year 2020, Paypal placed a limitation on my account and requested that i verify my identity by providing a bank statement from the prepaid card i was sending my money into. I did just that and paypal proceeded to lock my account and tell me that they would be holding my funds for 180 days. 
From what i understand, this is done to prevent chargeback losses to the company, however, as i have said i do not have any fraudulent activity or bad transactions on my account. I feel like i have been taken advantage of and i demand access to my money. 

My name is XXXX XXXX and any help with this matter would be appreciated.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 credit cards from XXXX XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, And unauthorize inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Product: Debt collection

I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with my credit report. Upon reviewing my recent credit report, I noticed that my auto loan is not being reported on my files with your bureau, ( XXXX, Equifax, XXXX ). 

Details of the auto loan are as follows : Lender XXXX XXXX XXXX, XXXX Loan Account Number : XXXX Loan Amount : {$45000.00} Date of Loan : XX/XX/year> Date Paid in Full : XX/XX/year> I have attached documents from the lender that provide proof of the auto loan and confirm that it has been paid in full. These documents include the loan agreement and a letter from the lender confirming the final payment. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The absence of this auto loan from my credit report is a matter of concern as it does not accurately reflect my credit history and XXXX affect my creditworthiness. Under the FCRA, I have the right to dispute incomplete or inaccurate information in my credit report, and you are required to investigate my dispute within 30 days of receipt. 

I kindly request that you update my credit report to include the details of this auto loan. Please confirm receipt of this letter and the supporting documents, and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

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

I want to report some fraudulent inquiries that are on my TransUnion credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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 : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put in disputes to XXXX, Experian and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my experiian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information Experian has failed to provide me the the requested information indicating a Fair Credit Reporting Act Violation. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately my enquirers to the US Bankruptcy Court confirmed Experian credit bureau never validated or verified these public records on my credit report.
Product: Credit card or prepaid card

I complained that the following companies, XXXX and the XXXX XXXX XXXX were billing my XXXX XXXX XXXX ending in XXXX without my authorization in XXXX or XX/XX/XXXX. I contacted the Bankcard Payment Processing, XXXX XXXX  XXXX, XXXX, XXXX XXXX concerning these illegal transactions. 

XXXX. In XX/XX/XXXX, the same charges by XXXX and The XXXX XXXX XXXXXXXX appeared on my new credit card ending in XXXX. I notified the XXXX XXXX XXXX Bankcard Payment Processing Center to report these illegal transactions. I never gave my new card number to either XXXX or the XXXX XXXX XXXXXXXX. I requested that a new credit card be sent to me and to prevent any automatic charges from being billed or charged to my card without my authorization.
Product: Student loan

My student loans were part of the Sweet v Cardona lawsuit and have been discharged. I received a letter on XX/XX/XXXX from the Department of Education. Mohela is stating they know nothing about this. I know this is not true since a copy of the letter from XX/XX/XXXX was sent to Mohela. I would like my account updated with these loans discharged per the settlement agreement. Other student loan servicers have already discharged their clients student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

its shows a lot of late payments on XXXX Iwas never late with satander consumer usa and XXXX XXXX card please removed
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, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to correct my account which has a delinquient account on a vehicle lease from 2012. 

They continue to show it was a collection account and charge off. 

I constantly have written to challenge and it is incorrect. 

The adverse account is listed with American Honda Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # XXXX, filed on XX/XX/2022, about unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX response to XXXX on XX/XX/2022 was a courtesy to " delete the credit inquiry ''. It still is still being reported on the Transunion credit report.
Product: Credit card or prepaid card

On XX/XX/19 at aprox XXXX, a representative of the XXXX XXXX XXXX  XXXX  contacted me at my work I have repeatedly asked them not to call my work. This is thier 5th time doing so. Twice I even issued a verbal cease and assist for my job. When I have repeatedly told they representatives to not call my work and to take the number off, they have ignored me, they have never tried to contact me at my cellphone. The XXXX XXXX will not stop with its harassment
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. 

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. Or a 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: Vehicle loan or lease

Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. 
What would be a fair resolution to this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a small business and had an account with XXXX XXXX for about a year. in XX/XX/XXXX I received a certified letter from " XXXX XXXX XXXX '' from XXXX that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an XXXX company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and spoke with the manager XXXX XXXX   and closed my account. I made sure the account was at a XXXX   balance. Couple of months later I get a letter from ChexSystems about being reported to them for unpaid fees. I called ChexSystems and I was told that XXXX reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that XXXX had tacked on overdraft fees from the time after when I closed my account per their request. I called XXXX to dispute this but they did not want to cooperate with me. By being reported to ChexSystems I no can not open any new accounts with any other banks. I have tried and they say my business needs to be removed before a new account can be opened. On XX/XX/XXXX I then called ChexSystems and just paid the {$520.00}. Although I do not beleive I should pay for it, I still did just to be done with this. So they issue now is that ChexSystems is telling me they can not remove my business from the ChexSystems file, and the removal request has to come from XXXX. So I then called XXXX  and told them I need to be removed from XXXX as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from ChexSystems. I am writing because I need help from being a victim of bad practice by XXXX XXXX  and ChexSystems. Not only I paid the {$520.00} for which I dont believe I should have, Now my business is reported to ChexSystems which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from ChexSystems, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX  '' and my DBA is " XXXX XXXX '' Address is XXXX XXXX XXXX XXXX Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX