23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has month-to-month only membership plans ; there are no long term plans where a member is contracted to pay any month beyond the current. I chose not to renew my membership and was never once contacted by XXXX informing me of any amount owed. There was never a bill, past due notice, or any communication whatsoever stating that my account was still open and money was owed. 

I just received a collections notice that stated I owed {$270.00} for this non-existent membership. I contacted XXXX and they were of no help whatsoever, unable to put me in contact with anyone who has knowledge of this sort of issue. 

Lastly, the collections notice contained no information about the account for which this supposed debt originates. This is most likely due to the fact that there is not XXXX account for which money is owed.
Product: Payday loan, title loan, or personal loan

I refinanced my trip through Uplift / XXXX XXXX to speak at a university in XXXX, California on XXXX XX/XX/XXXX, but due to the coronavirus crisis the speaking engagement was cancelled. The total trip, including the travel protection cost was {$1500.00}. XXXX XXXX only refunded Uplift {$1400.00} ( minus the {$100.00} travel protection ). {$1500.00} - {$100.00} + {$1400.00} Since XXXX XXXX won't refund Uplift the {$100.00}, Uplift won't refund me the full {$310.00} amount I've already paid towards the loan using my MasterCard. I paid {$150.00} on XXXX XX/XX/XXXX and {$150.00} on XXXX XX/XX/XXXX. Even though the trip was cancelled, I made payments towards the loan so it wouldn't default and reflect poorly on my credit history. I paid a total of {$300.00} on my MasterCard. I thought I was going to get a full refund of {$300.00}. Because it took XXXX XXXX over 30 days to refund Uplift, the loan incurred a finance charge of {$210.00} which Uplift expects me to pay. 

Uplift is only refunding my MasterCard {$110.00} even though I paid {$300.00}. 

Uplift Loan ID XXXX XXXX XXXX XXXX XXXX Thank you
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I noticed my school loan account was reporting to all three of my reports. I was able to get it disputed off of XXXX credit reports, which is XXXX XXXX and XXXX. They refused to take it off of Equifax. And if you take it off of XXXX by law, you have to take it off of all. I've called in and requested for them to remove the account for my credit report, even though it's past statue of limitations, they still will not remove it. I've sent them proof that they need to remove it. They still have not removed. I disputed the account. They still have not removed it. I've done everything in my power to try to get this account removed and there's still no progress. So I am coming. to the CFPB to dispute the account that I have. on my credit report. account numbers, # XXXX, # XXXX original Creditor : Us department of Ed XXXX XXXX Transferred to : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$960.00}, XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN sent me an email notification on XX/XX/XXXX stating that I need to provide an Identity Theft Report " Without the Deficiencies ''. However I did NOT find any deficiencies on the OFFICIAL Federal Trade Commission Identity Theft Report. All of the FRAUDULENT ACCOUNTS were reported correctly. THE OFFICIAL FTC REPORT THAT I FILED WITH THE FEDERAL TRADE COMISSION CLEARLY LISTS EACH FRADULENT CHARGES, AMOUNT, ACCOUNT NUMBER AND DATE OF TRANSACTION. However EXPERIAN HAS CONTINUED TO IGNORE THESE FRAUDLENT CHARGES SINCE I DSCOVERED THEM IN XXXX OF XXXX. I WANT TO SEEK LEGAL ACTION AGAINST EXPERAN FOR THESE FRADULENT ACTS. This includes the FRAUDULENT ACCOUNTS ; XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. 
XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00} They gave denied and refused to accept the official identity theft report from the FTC. They have continued to deny that they have assisted with the crime by allowing these fraudulent charges to appear on my consumer credit report. According to the Fairs Credit Act, IT CLEARLY STATES ; Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of- ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC Consumer Dispute Center XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$800.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/16 I have not received any information or correspondence regarding this account. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Student loan

It is my belief, The Department of Education, MOHELA, XXXX, XXXX and XXXX d/b/a the UNITED STATES XXXX are all voluntarily , knowingly and intentionally, individually, and personally undeniable aware of criminal acts of mis-administration and malfeasance. Approximately on or around XX/XX/2023 and XX/XX/2023. I sent certified receipt letter to the corporation to remedy and recourse regarding this matter and of course no action were taken by the company as of yet.
Product: Mortgage

I called my mortgage company ( loan depot act # XXXX ) to ask them to remove XXXX the said they had to look into it. They asked about upgrades and such so I told them stuff we had recently done to our home. This was on XX/XX/scrub> 2024. Today XX/XX/XXXX, I recieved a letter from the loan company stating I was ineligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 rounds of disputes for inaccuracies on experian, XXXX  and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 Late Payment XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & EQUIFAX BALANCE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- DIFFER FROM XXXX, XXXX & EQUIFAX CREDIT LIMIT PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX XXXX & EQUIFAX PAYMENT HISTORY- DIFFER FROM XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Checking or savings account

I have had a checking account with ALLY BANK for over XXXX ( XXXX ) YEARS. Recently I started using XXXX to transfer money in my other bank accounts and decided to do the same with ALLY BANK. In ALL OF THE OTHER BANKS, the funds were transferred instantly ( within minutes ) with NO PROBLEMS. 

In the case of ALLY BANK, the funds would not arrive until Wednesday, XXXX XXXX XXXX after being sent on Sunday, XXXX XXXX XXXX 

I inquired through chat about this and was told by XXXX first that there were XXXX levels of speed and that I should have chosen " instant '' instead of " standard. '' In fact, there was no XXXX menu. I was NOT GIVEN AN OPTION BUT RATHER THREE DAYS TAKE IT OR LEAVE IT. Later the same person told me that if I tried on Monday, the money would be sent in minutes. I asked for a supervisor. 

The supervisor repeated the same dialogue insisting that I chose wrong. I stated that I had earlier spoken to the people at XXXX who informed me that XXXX transactions take minutes and that anything longer is not XXXX and fraudulent use of the XXXX name. 

Next the person ( supervisor - XXXX XXXX told me that there were " other factors '' that determined the speed of transfer. These apparently are secret since she did not disclose them. 

I call this fraud. ALLY BANK should not offer XXXX if in fact the transaction is identical in speed to a standard ALLY BANK TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX XXXXXXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXXThis Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, Experian, and XXXX in a timely manner** Bankruptcy XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I called Wells Fargo on Saturday, XX/XX/XXXX to inquire about refinancing ( no cash out ) my existing Wells Fargo mortgage ( balance of $ XXXX on my primary residence valued at least at $ XXXX ) into a 15-year at 2.75 %. I spoke with XXXX XXXX, XXXX xXXXX, and was prequalified based on my income, debt-to-income ratio ( which is well below the industry standard of 36 % ), and unbroken, lifetime history of timely payments. I provided all the required documentation, to include pay stubs, W-2 for 2 years, proof of insurance, and current mortgage statements. I provided proof of ability to cover all closing costs in cash, if needed. The application was sent to processing. Subsequently, Wells Fargo raised their rates on the 15 year fixed to 3.5 %. At the same time, they arbitrarily increased my income requirement to $ XXXX/year. They will be able to deny my loan on this basis, which will materially impact my credit report negatively, causing extreme financial harm to me. I have never missed a payment, declared bankruptcy, or not paid off a debt. All I am asking Wells Fargo for is a complete cancellation of the transaction without further harm to my credit report. I just found out about this arbitrary income requirement increase today, and the people who are available by phone today dont have the ability to help me. I am trying to get ahead of this before they deny the loan and damage my credit. 

Wells Fargo is continuing to engage in deceptive and fraudulent behavior, at the expense of honest, credit-worthy customers, so they do not have to honor commitments. They havent learned anything from their recent fraudulent actions, convictions, and fines. 

In addition to this complaint being forwarded to Wells Fargos executives, particularly the Chief Compliance Officer, please also copy XXXX and XXXX.
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. Account name : # ending in XXXX, Account name : # ending in XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than XXXX hard inquiries on my credit report throughout XXXX, equifax XXXX XXXX.These are the hard inquiries that were added on : 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

In XXXX, I left an employer and as a result, rolled over a lump sum distribution into an IRA account, set up by XXXX. The financial advisor at the time was XXXX XXXX. The retirement services company ( XXXX ) mailed the check directly to XXXX in XX/XX/XXXX, and I confirmed with XXXX that the check was cashed. 
Moving forward to XX/XX/XXXX, I am gathering up financial info for retirement planning and located the paperwork for this account. I attempted to call XXXX to roll this money into my 401K account. I discovered that XXXX went out of business. I called the XXXX financial advisor that I worked with in getting this IRA- XXXX XXXX ( who still lives in the area ) and he told me that he retired around XXXX and had no access to the records. He did say that XXXX was purchased ( around the same time ) by XXXX XXXX. I contacted several people at XXXX XXXX. They did a " nationwide search '' and could not locate this account. 
I contacted the State of Ohio to see if it would show up under " unclaimed funds '' and they had nothing. 
I need your help with investigating this. This account was a sizeable amount of money, which should have grown over the past 20 years. I am counting on this for my retirement. 
I am really hoping you can help get this missing account located for me.