23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was deeply disappointed to find unauthorized inquiries on my credit report this morning, with no explanation for their presence. I check my report regularly, and this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I am incredibly frustrated and need the documents Ive provided to be carefully reviewed so I can resolve this issue and stop worrying.
Product: Debt collection

The company DNF Associates filed a report to XXXX in XX/XX/2023 that I owed money in the amount of {$14000.00} I asked them for a proof but they did not send me anything. This is hurting my credit and I want DNF to remove it from the credit Bureaus or send a proof. 

Thanks
Product: Debt collection

This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

I have been in touch with XXXX XXXX XXXX  to get charity or reduce the bill. Ive sent numerous times info required, bank statements, taxes, income and so on. They always came back with something missing, which was sent over and over again. I thought they were still working on helping me out, and I got the collection letter.
Product: Mortgage

I am reaching out to you today because I am having issues with my loan that have gone on for five months. My loan modification was completed and my payments were to resume on XX/XX/XXXX. I made my first payment for XXXX on the XXXX, it was six days late because your online system was down, and my 2nd payment on XX/XX/XXXX. Around mid XXXX I was informed that my loan was 60 days past due. When I called to clear up the issue, it was discovered that my payments had been allocated to XXXX. I was told that this issue would be fixed and my payments would resume. 
As of today, XX/XX/XXXX, this has not been fixed. I have been unable to make payments because my account does not reflect the proper amounts due or dates. I have called Loan Care around 15 times and have received at least 10 calls from loan care. The end result of all calls is that I am instructed to wait until the problem is corrected and then resume the payments, but the problem is never corrected. 
I have requested that the harassment regarding my payments stop, since the only thing preventing me from making payments on time are mistakes on your end. But the opposite has occurred. I have gotten collection calls and notifications by mail that I am delinquent. When I called to express my concerns, I was told, on a recorded line by a Loan Care employee, that these letters and phone calls were intended to be threatening. And as I understand it, this is inappropriate behavior at best. I am currently unable to make my payments because Loan Care has still not resolved issues with my loan, yet they continue to call and harass me for payments as though I am deliquent. They have pressed me to make payments over the phone on several occasions, even though the account does not reflect the proper payments, dates and totals.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that I have incurred. Although I had sufficient funds available at the time my transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 
This issue appears to be in line with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices at Navy Federal, wherein transactions were settled against insufficient balances despite initially available funds. I find these practices to be both unfair and concerning. 
I respectfully request that an investigation be conducted into my account transactions to address this issue and to prevent any further occurrences. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line tied to a checking account at XXXX XXXX XXXX XXXX XXXX to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and TransUnion reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and TransUnion without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by XXXX XXXX is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. TransUnion has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.
Product: Debt collection

J.J Marshall & Associates Co., Inc. Is attempting to collect on a debt that has already been tried to paid by the insurance company but they refuse to take the money and now reposted it under my own personal credit report. I have attempted to communicate with them via certified mail to clarify and verify this debt and they have failed to do so within the required 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the free experian credit score report deal and have been unable to cancel the account online or via email. Now I've been over 3 hours holding on the phone twice today and nobody answers their phone - this seems to be a very popular scam and I hope that the CFPB can shut them down or at least fine them so much they stop doing business like this. I think any other business would be sued in court>? thanks!!
Product: Credit reporting or other personal consumer reports

FCRA Violations not mine Not my credit card XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Not mine XXXX XXXX XXXX XXXX  Account number XXXX Account type FHA Mortgage Responsibility - Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XXXX XXXX Balance never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking 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 consumers safety.
Product: Debt collection

The first phone call i received from " XXXX XXXX XXXX ( they also call themselves XXXX '' was on XX/XX/XXXX. They said that if i didn't pay them {$400.00} by the end of the month they'd pursue legal action against me. They never sent written documentation within 5 days of speaking with me or purchasing the debt from where I acquired the loan from. I received another phone call on XX/XX/XXXX to my personal phone saying i needed to call them back. Then my work office received a phone call from the same person on XX/XX/XXXX and when they were sent to me they said they were going to proceed with garnishing my wages and a lien on me. I stated that they've been told to not contact me at work, and she said that she was going to contact my HR department to garnish my wages. They also threatened my husband who isn't even on the account/loan.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AQUA FINANCE XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

I have been In a constant battle with XXXX with getting my information corrected on credit profile, for years now they have mixed my information with my XXXX  sister credit profile and reports inaccurate information to profile all the time. I am now also having problems with them reporting inaccurate / fraudulent company on my credit profile and the have failed to do proper investigation in to company and to get my credit profile corrected. I do not owe Rent recovery solutions and never had a balance with the alleged apartment complex on file ( XXXX at XXXX ) that was cleared, I also provided direct proof to XXXX and they have decided to do nothing about inaccurate information being reported.
Product: Credit card or prepaid card

See attatched *DEBT DISCHARGED Debtor Not Liable XX/XX/XXXX USAA MASTERCARD XXXX ( * NEVER CLOSED ) See attatched XX/XX/XXXX Confirmation Settlement Letter. See attatched USAA statement Mastercard ending XXXX left owed {$100.00} ACCOUNT OPENED ( XX/XX/XXXX * OPENED WITHOUT MY PERMISSION OR AUTHORIZATION ) ( * NEVER CLOSED ). USAA coverted this into Visa XX/XX/XXXX ( * OPENED WITHOUT MY AUTHORIZATION OR PERMISSION ). ( ** NEVER CLOSED ) Current visa card ending XXXX of XX/XX/XXXX ( *NEVER OPENED WITH MY AUTHORIZATION OR PERMISSION ) See attatched FRAUD XX/XX/XXXX * NO USAA PERMANET CREDITS APPLIED. AS STATED IN LETTER OF XX/XX/XXXX. USAA HAS NEVER RESOLVED ANY OF THIS EVEN THOUGH THEY CLAIM THEY HAVE. This Visa   card I did not authorize has been fraudulent since first used XX/XX/XXXX AND IT ALL IS STILL ( CONNECTED TO ACCOUNTS NEVER CLOSED ). USAA HAS DESTROYED MY CREDIT FOR YEARS AND YEARS. NEVER ANY TRUTHFUL RESOLVE. 
I DID NOT OPEN THESE ACCOUNTS USAA HAS FAILED TO CLOSE OR THE ONE I USED XX/XX/XXXX. How are they opened without me? The same way USAA makes fraud reports I did not make? Or the SAME way USAA MAKES PAYMENTS ON THESE ACCOUNTS I NEVER OPENED AND DID NOT AUTHORIZE XX/XX/XXXX STEALING ALL MY SOCIAL SECURITY WITHOUT MY AUTHORIZATION OR PERMISSION?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 has 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 consumer 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 consumers saftey
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX  by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX  the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due
Product: Checking or savings account

Over 150 unauthorized charges back to back sometimes 3at the exact same time and all were in a specific time frame to the same merchant with an exception of 1 other merchant where debit was made and credited back/claim has been reopened and denied many times in past 4 days with clear evidence of fraud
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$7300.00} debt from SYNCB/XXXX I cant say this more emphatically, I have never had a SYNCB/XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Credit reporting or other personal consumer reports

FCRA 605B might require us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX : {$470.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX : {$640.00}
Product: Mortgage

There is no evidence that Wells Fargo or other affiliates paid XXXX XXXX XXXX XXXX XXXX XXXX funds over the amount due from a sale, etc. No evidence that a trustee ( substitute or otherwise ) is able to convey the property.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. Additionally, in my previous dispute, I submitted an FTC, which I am also including in this dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and resolution for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on a Credit Card issued by " XXXX XXXX  '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now trans union has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

XXXX is refusing to contact transunion and transunion is refusing to contact chase. Transunion says it can be fixed if chase will contact them. XXXX says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.
Product: Debt collection

On XX/XX/XXXX, I requested validation of an alleged debt from Source Receivable Management. I only received a statement balance of {$130.00}, which i did not have enough information or a signed contract stating I have taking out a debt with Source Receivables Management. I do NOT recall this debt and I have requested additional information on XX/XX/XXXX which they have refused to provide to me. This debt has negatively impacted my credit and caused me a great deal of stress. 

In addition, I noticed this is the same debt and amount a different debt collection agency stated I owed to them last year on XX/XX/XXXX. I disputed the debt and the collection was later removed from my credit profile.