23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am still waiting to resolve my dispute with Fedloan regarding my identity theft application however, upon further review of my account online 2 of the 3 loans are showing up as cancelled disbursements. 2 of the student loans show the disbursements were cancelled yet I have still been responsible for the entire  balance of all these loans and when I asked Fedloan for further info they havent addressed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
Unauthorized Inquiries I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX I payed XXXX $ for a XXXX XXXX XXXX XXXX on XXXX but didnt get it. I made a police Report in XXXX to get a fraud service at XXXX XXXX  in XXXX. XXXX XXXX  took contact with Wells Fargo bank to get result. Wells Fargo bank did not get me any result of : ar the account correct for the seller, are the money still on the sellers account, has he money on the account.
Product: Debt collection

US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. 
Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). 
I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. 
As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. 
As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. 
Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX XXXX elder. In XX/XX/2022, I was a victim of {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at : PNC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Bank routing number : XXXX Bank Account number : XXXX Please investigate the {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at PNC Bank. Also, please FORCE PNC Bank to send me my {$58000.00} Probate Settlement Fund in a cashier check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX Mobile/Text XXXX XXXX
Product: Student loan

It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. 

Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This a follow up from complaint XXXX. I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence on XX/XX/2019, XX/XX/2019 and XX/XX/2019. 

I have repeatedly asked for Diversified Adjustment Service to send me a an EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service.  In a letter postmarked on XX/XX/2019, they sent a large envelope with several bills and a supposed contract with my name TYPED in the signature lines. The two physical signatures they have ( Documents attached, " Pt.1 '', page 14 and " Pt. 2, pages 10 and 18 ) are NOT MY SIGNATURES. They do not match the signature on my  identification. 

Since Diversified Adjustment Service SOLELY owns this debt, Diversified Adjustment Service needs to provide the EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service regarding repayment terms. Since they have not provided this documentation, this debt needs to be stricken from my credit profile from all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX  ) immediately.
Product: Credit reporting or other personal consumer reports

My account was flagged as 30 day late back in XXXX of XXXX  however this is my 2nd complaint to cfpb not only did the company illegally report the late payment but no correspondence was sent to me by telephone nor by email I was also recently told that per the customer agreement that the company can report late payment but I never received a copy of the customer agreement until I filed a report along with me requesting proof of correspondence letting me know my payment was due I have been a customer with capital one for 3 years and have never missed a payment and since they flagged my account with an inaccurate late payment all payments have been made on time. 

Capital One Walmart XXXX Showing late XX/XX/ XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX There was two ATM withdraws from Chase Bank. One for {$1000.00} @ XXXX PM and {$2000.00} @ XXXX. It was not me. I did not receive a alert from Chase Bank until AFTER the transactions took pLACE. 

I called Customer Service as soon as I found out and they explained to me someone created a XXXX pay account @ XXXX and withdrew the money. 

I have talked to them many times and they tell me there is nothing they could do for me. They have been rude to me too. 
I went in the bank a few times also. They could clearly see it wasn't me. A different phone number was used to create the account that was used. 

I also want to know why I wasn't alerted before the money was withdrawn. 
They did decline one transaction from XXXX for XXXX but let {$3000.00} out of the ATM?? 
This was at Chase Bank XXXX XXXX XXXX ( they actually had to go in the bank to withdraw the money )
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX scammers that said they were linking my bank account to my new paypal credit card so I could pay my balance off, instead a app was downloaded imperious remote and they scammed my Personal bank account, sent money through paypal off of my paypal credit card, then proceeded to hack my discover credit card and buy XXXX - {$500.00} ( XXXX $ ) gift cards from XXXX XXXX. All on XXXX some wasn't processed till XX/XX/year> ... XXXX immediately when I saw i was scammed called my bank, changed everything the next morning, called discover XXXX reported fraud and called target to see if they could stop the XXXX gift cert .I called XXXX... XXXX have been disputing and calling these XXXX companies all week ... the only one to have assisted so far was my personal bank. I have reported to Fbi XXXX, FtC XXXX elder fraud, attorney General of Indiana XXXX credit agencies, etc. I need help. I am retired and I have worked hard for my credit to be good and now it's ruined unless I can get XXXX, Discover, and XXXX  to see this was a scam fraud. Respectfully, XXXX XXXX
Product: Mortgage

Penny Mac refuses to allow early partial payments of my mortgage. This seems like an intentional decision on the part of Penny Mac to make it difficult to make mortgage payments.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 this credit reporting agency was sent a letter to provide method of verification as outlined in the FCRA section 623. I also sent them several dispute letters requesting to be provided with the following ; any certified signed documents with my inked signature, information that was provided to the data furnisher as verification that the information they received was in fact me, documents signed with my signature for any release of information, who was the person they spoke with, title, and contact information, who confirmed my identity, was there a authorization of release? what was the name of the credit reporting agency who verbally spoke with the person, provide me with certified documents of procurement. I have not received a notarized affidavit confirming that the information that was provided was in fact true, correct, verified and accurate. Credit reporting agencies use automated systems and codes to input information into anybody 's systems. None of the information was verified by a human person. I have not received any of the requested information. XXXX is a government agency that is not allowed to be be used for commercial use. XXXX also states that they do NOT validate any public records. If pacer doesn't verify any public records, how can a credit reporting agency verify the same? I have requested information from the credit reporting agency on what information they have received from the courts. I was not given a person 's name, title, date and time of the conversation, documents that were provided or received, or who was the representative the employee spoke with. I contacted the court name on the credit report and was told, they not received any certified information and request from any credit reporting agency. I requested NON automated information and a PROPER investigation be conducted. XXXX is a automated PUBLIC system. Anyone can create a account, access anyone personal information, store it, and sell it to anyone. So how is a automated GOVERNMENT public records system verifiable information, human 's can make input error mistakes into a computer which could cause catastrophic financial distress. The court 's state that they do not verify any public information? I received several letters stating the there was a bankruptcy account that has been verified by XXXX XXXX who states that they do not have record of any such bankruptcy on file. How is the credit reporting agency stating something like that has been verified with this third party if the third party states that they do not have such? All the credit reporting agencies are suppose verify and report only accurate items on a credit report. Two of the three credit reporting agencies does not have any reports of a bankruptcy on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy. 15USC 1681 Section 6o4a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Furthermore, I called Sallie Mae to work with me and catch me up on payments with what I was able to pay. They were suppose to help lower my payments and failed to do so. I was unable to make the payment at the number they set. This was discussed.
Product: Mortgage

vanderbuilt mortgage XXXX tn I draw XXXX and have had a lot of things go wrong and health iiesuse got behind on mortgage I filed for a modafcation on my loan got a letter saying they were working on it then got foreclosure papers and then a court summons there the rudest people I ever had to deal with there just mean ... ..and they say I owe more then I do thehvetold me they would huemilate me by the add in the news paper every one will know ... ... .the co borrow is out of work due to a injury
Product: Debt collection

I received a letter from Vengroff Williams Inc., on XX/XX/2022. There is no date on the letter. According to USPS the date delivered is XX/XX/2022. 

Vengroff Williams Inc., is demanding money from me with intentions of damaging my credit scores. Vengroff Williams Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Vengroff Williams Inc., and I do not know how Vengroff Williams Inc., received my private medical information. Please be advised no consent to treat documents bare the name Vengroff Williams Inc., as Vengroff Williams Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Vengroff Williams Inc., received my validation notice via USPS mail. Vengroff Williams Inc., has been made aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Vengroff Williams Inc . 

I am not a party to any agreements that Vengroff Williams Inc., may or may not have with XXXX XXXX I am not responsible for Vengroff Williams Incs purchase / transfer from XXXX XXXX I have not agreed to pay/tender anything to Vengroff Williams Inc . 

On XX/XX/2022, XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc., mailed her/his/their/a version of an honorable reply to my validation notice. My validation notice was completely ignored. XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc provided proof of my HIPPA rights being violated. Due to the carelessness of XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc my private medical information is on display and this proves XXXX XXXX DBA Compliance Auditor for Vengroff Williams Inc violated my HIPPA rights. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Vengroff Williams Inc. At this time, I demand no further contact from any associate or authorized representative of Vengroff Williams Inc . 

All calls are recorded for my safety Please be advised that Vengroff Williams Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was told to response and receive by USPS mail a letter from Credit Acceptance. A pre agreed to amount I paid {$200.00} whenever I received letter and I did. This month XX/XX/XXXX the agency reported that I missed a payment and I did not. As per agreed I called in and was on an endless circuit which returned and never connected me to pay so I mailed payment before its due. Therefore I dispute the claim I missed a payment. I want that " missed payment '' corrected since it negatively impacts my credit immediately.
Product: Checking or savings account

I applied for a new checking account using a promo code with Wells Fargo. I was not able to open it online and was directed to go to the branch and was provided a promo code via email. I went to the branch informed the representative and provided him the email. He used my phone to add the code to my account. I added the account to my direct deposit and met all the requirements. In XXXX when I should have gotten the promotion, I called the bank to inquire about the bonus and got a claim number. I called back after 3 weeks and was told that I never provided the promo code, I asked for a supervisor and was disconnected. I tried to call back but was blocked. I called the branch and spoke with the supervisor XXXX, gave her the promo code, and name of the representative, she said she would call me but never did. I called her twice and she never responded. I have now closed the account given I was lied to and defrauded of the promised promo code. I want help since it's not fair that they lie and are not held accountable.
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB lawsuit that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my financial institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to recover lost money. According to the CFBP 's findings, Zelle has not only failed to safeguard customers, but has also permitted repeat offenders to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to inquire about the status of a payment I made on XXXX in the amount of {$26000.00} USD from my account at XXXX XXXX  XXXX The beneficiary was XXXX XXXX XXXX, XXXX, whose account is held at XXXX XXXX XXXX  XXXX XXXX. JP Morgan Chase Bank was listed as the intermediary bank in this transfer. 
I recently learned that XXXX XXXX  has been designated under Executive Order 14024 as of XXXX XXXX, XXXX, which may have resulted in my payment being blocked. In order to unblock the payment, I need to apply for a special license from OFAC. However, JP Morgan Chase Bank has not informed the sending bank of the date of the blockage. 
On XXXX, XXXX XXXX  attempted to contact JP Morgan Chase Bank via XXXX to clarify if the payment was blocked and reported to OFAC, but have not received a response. As a result, I am unable to apply for the necessary license from OFAC. 
I kindly request your prompt assistance in resolving this matter and providing information on the status of my payment. Thank you for your attention to this issue. 
Sincerely, [ XXXX XXXX. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Porfoilio Recovery Associates has two ( 2 ) erroneously reported balances documents under my credit/XXXX  reports. These creditor balances should reflect " XXXX '' balances.. 

These 2 accounts under my name/credit profile ( both XXXX ) should reflect " XXXX '' balances with credit agencies /XXXX  agencies as well, as within Porfolio Recovery statements and XXXX financial statements under my name. 

These 2 accounts XXXX ( errouneously reported by Portfolio and disputed by me ) were mutually agreed between myself and portfolio associates to be paied on a direct withdrawal monthly payment scale. 

Portfoilio Recovery Associates on a monthly basis automatically withdrew from my personal checking account said mutually agreed amount as agreed by me and Portfolio Recovery Associates until " XXXX '' balances were established. 

O balances were met on both accounts Yet, wrong balances are continually being reported about me to credit and vantage scoring agencies by Portfolio Recovery Associates. 

I have contacted this reporting agencie and spoken to a XXXX XXXX XXXX as well as a XXXX XXXX XXXX regarding this error.