23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the month of XX/XX/2022, I left XXXX without any debt. In XXXX I received a bill that XXXX was about to pay me {$110.00} for over billing. I called the company because the bank account were they were supposed to deposit the money was closed. They did not refund the money. Then 3 months later I received bills for {$98.00} and I called XXXX to ask about it. They did not answer me why they were charging me neither the amount they were supposed to refund me. In XXXX I received a letter from XXXX a collection company and they stated that I could file a claim online and that after XXXX business days, they will give me an answer. They never answered. I called XXXX time before XX/XX/XXXX and nobody return my calls or answer. No I have a credit collection that I should never have it in my credit report.
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 has violated my rights. Or list of inquiries XXXX5 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Midland credit management, XXXX XXXX, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Product: Prepaid card

I have an XXXX XXXX Debit card provided by Branch App for pay from delivering XXXX XXXX. They have what is called back up balamce depending on XXXX XXXX status in XXXX XXXX you can get either XXXX. XXXX or XXXX. If you use the feature you have to take the full amount available. 

Once you elect to use to use the backup balance until the outstanding balance is paid you are not allowed to change the bank account you are paid to violating the Electronic Funds Transfer Act.

Also until the outstanding balance is paid they take every deposit. If you use this account to be paid it is automatically paid after every delivery. So for every delivery you get paid the fee right away and an hour later you get paid the tip. 

The pay is deposited in the asset portion of the account and then they automatically take the money back out of the account and apply it the back up balance. This happens for every deposit you make until it's paid off. 

Them doing so is a violation of EFTA by not allowing 21 days to pay back, having more than one forced debit from asset portion of the account and also compulsory used of electronic funds transfer. 

These laws are made for a reason and they shouldn't be able to do whatever they want.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt was paid. Needs to be updated and removed from credit report.
Product: Credit reporting or other personal consumer reports

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my transunion credit report. its also prob on my XXXX XXXX XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX  and experain have the different last activity they are a month apart and on one it says collection/charge off profit loss write off and the other says unpaid balance reported as loss by the credit grantor
Product: Debt collection

we bought furniture and where paying fine till our grand daughter was diagnosis with XXXX after that our financing went down the drain i tried to tell that we are back on our feet and that i am willing to pay full amount out for pay for deletion and i am willing to get them a hardship letter in order for them to delete but they are refusing
Product: Credit card or prepaid card

The credit company called net spend will mail you a actual debit card and will and when you try to cancel it they ask for your social and after that is entered they say no account is linked to the account and ask you activate their card
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see incorrect accounts listed, and I dont understand why. I routinely review my credit report, but this time, there were unexpected errors. I attempted to refresh my browser, hoping it was just a technical issue, but the inaccuracies remained. Because of this, I am requesting a detailed examination of the documents I have submitted so that I no longer have to worry about this problem.
Product: Credit reporting or other personal consumer reports

I am reporting fraudulent inquiries and accounts listed on my ChexSystems report. The unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These inquiries were made without my consent, and I have already filed a police report and contacted the companies involved. I request that these fraudulent inquiries be blocked and investigated immediately, as they are causing significant hardship.
Product: Money transfer, virtual currency, or money service

Initial Dispute : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Disputed : XXXX XXXX XXXX  : {$39.00} ( XX/XX/year> ) XXXX XXXX XXXX  : {$40.00} XXXX XX/XX/year> ) XXXX XXXX XXXX : {$40.00} ( XX/XX/year> ) XXXX XXXX XXXXXXXX : {$20.00} ( XX/XX/year> ) XXXX XXXX XXXX : {$45.00} ( XX/XX/year> XXXX XXXX XXXX XXXX : {$200.00} ( XX/XX/year> ) XXXX : Amount unknown Dispute Result : Lost for all transactions Second Dispute ( Won ) : Date Opened : XX/XX/year> Date Closed : XX/XX/year> Transactions Credited : XXXX XXXX XXXX  : {$30.00} ( XX/XX/year> @ XXXX XXXX  ) XXXX XXXX XXXX XXXX {$30.00} ( XX/XX/year> @ XXXX XXXX  ) Dispute Result : Credited for both transactions Description of Issue : The initial dispute involved unauthorized transactions through XXXX XXXX and other merchants, which were incorrectly closed as lost. In contrast, a second dispute with similar unauthorized XXXX XXXX transactions was resolved in my favor. This inconsistency in dispute resolution is concerning. 

Key Communications : Raised concerns over the inconsistent outcomes between the XXXX disputes, noting that funds were transferred to XXXX XXXX accounts not under my name in both cases. 
Requested documentation on the findings from the investigation related to the initial dispute. Documentation was not provided. 
Emphasized that the decision contradicts Current Bank 's policies and federal regulations, requesting a reopening of the disputes. 
An agent offered to reopen the dispute but requested additional documentation. 
Current Status : I am preparing to escalate this issue with relevant regulatory bodies and consider arbitration if necessary. I seek a thorough investigation and resolution of all disputed transactions in accordance with regulatory standards.
Product: Mortgage

I have paid off my mortgage on XX/XX/2018 for my primary residence against a US Bank home loan. 

It has been more that 18 weeks now and I have not received the Reconveyance deed from the bank. I have made numerous calls to the customer service and every time I am told that they will process it and send it in the next few days, yet nothing is received at my end. Couple of times the representative told me that my payoff had fallen through the cracks and they needed to research it.
Product: Money transfer, virtual currency, or money service

This is not about a mobile wallet and there's no option for other but i have been using a mobile app. Its called earnins. Earnins is a service that let 's you borrow money before payday ... its a payday app and I have a limit of XXXX dollars on there and I only borrowed XXXX including small tips and they are trying to say that I owe them XXXX on my next payday. I never borrowed that much money. Thats my entire paycheck. So they get a hold of my bank account information and they are going to steal everything from me now. I need help pretty fast because that's my rent money and everything to live off of for 2 weeks. I would be drained out if every penny I have to even eat with. It's a payday service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a mortgage with Franklin American Mortgage in XXXX. I paid the mortgage off in full on XX/XX/XXXX, as referenced by a payoff loan official letter from the company. 

Since then, there have been delinquencies reported for over 120 days on my credit report. When I call the company that handles those loans, they have no record of my account, even after providing my social, account number, address, etc. The company, XXXX has no information, FRANKLIN AMERICAN has  no information, and CITIZEN BANK has no information, but the notation on my report is from FRANKLIN  AMERICAN.
Product: Credit reporting or other personal consumer reports

Social XXXX Follow up not dupulcate selene finance and XXXX  credit agency forgot to remove the late payment for XXXX their a letter on file during that time i have a pending appication to be filled out for assitance and they sent me out a letter regarding home assitane program my complaint is that by law a bank or servicer dont supposed to report the consumer late or take legal action or non credit repoeting while theirs a pensing appilcation for assitance.so im asking XXXX at selene finance credit reporting department is to remove the late payment for XXXX off of XXXX
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX ) XXXX  XXXX account # XXXX inaccurate information balance and payment history XXXX ) XXXX XXXX account # XXXX inaccurate info balance and payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I did n't authorize. I called trying to get them off and no help
Product: Credit reporting or other personal consumer reports

The Department of Education and Nelnet has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 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 ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Payment ID : XXXX @ Recipient : XXXX XXXX Transaction Date : XX/XX/2022 Token : XXXX XX/XX/2022, I received a call from US Bank ( the caller I.D . on my phone stated US Bank ). The person who called stated he was a representative from US Bank and that my account had been compromised. He know my name and account information. He stated that {$3000.00} was stolen out of my account. The only method to retrieving the money was to complete XXXX XXXX payments. I agreed to do so, but when I did the first {$1000.00} the money was subtracted from my account and not added back to my account. I hang up and called US Bank back immediately. I waited on hold for about an hour. Eventually, I contact a manager and he stated that other customers had experienced the same thievery. I filed XXXX complaints file alert XXXXwith US Bank. XX/XX/2022, I received a letter that they both were denied. After my claim was denied, I closed all my accounts with US Bank. I was a loyal customer for over 10 years and never had any problems. I am requesting that US Bank returned the {$1000.00} stolen from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXl XXXX bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by XXXX XXXX due to my credit limit of XXXX dollars. 

I have attached document from XXXX XXXX regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the wrong addresses on my credit report.
Product: Debt collection

Could not pay this debt back due to economic hardship during XXXX and faced harassment from several phone calls and other communication tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an  XXXX   XXXX   XXXX  account in collection. I paid the collection agency with a discount and they sent me a letter stating that the debt has been paid in full. However, Experian still reports the debt as in collection. They argue that the debt has to been paid in full, although I explained there was a discount, and the letter explicitly says that debt has been paid in full. I would like Experian to remove that debt from collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}
Product: Credit card

I reported an issue regarding a late payment and overcharge to Victoria 's Secret from Bread Financial. Since then, they have been calling me from various private numbers, which seems suspicious and unprofessional. I requested they contact me using their official number, but they refused, suggesting I call them back on another number that I couldn't verify online. I informed them that I already reported this issue to the Consumer Financial Protection Bureau and would wait for their response. Their customer service has been very annoying and unprofessional.
Product: Money transfer, virtual currency, or money service

XX/XX/2020. I tried to link my PNC account to my investor 's account. PNC wouldn't allow.
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( XXXX ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( XXXX ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( XXXX ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
XXXX. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within XXXX days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the XXXX window, I will pursue all available legal actions to ensure compliance. 
XXXX. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Student loan

I have filed no less than XXXX complaints against Nelnet with CFPB. Stop closing them as Nelnet has not resolved anything! They have my name wrong and did from the get go, despite Great Lakes having my correct name when they sent it to Nelnet. I had Great Lakes for years. They have had my XXXX application since XX/XX/2023 and STILL have not porcessed it. They keep responding to the CFPB which wrong and false information. CFPB keeps closing my complaint with nothing corrected. Nelnet keeps asking me for the same documents I already uploaded over and over on their website. Their gross incompetence is something XXXX should fine them for like XXXX! Why does XXXX not fine Nelnet? I applied for XXXX XXXX program as a government worker. They keep telling me to apply when I already have. They refuse to use the legally mandated XXXX despite my having connected my IRS account to Nelnet. CFPB has never done this before where they hit closed on a case that isn't resolved! If this is happening to you as a fellow loan holder, report Nelnet to XXXX and CFPB until they get the fine XXXX has for gross incompetence. It is unfair for me and others like me holding student loans to keep dealing with this mess! They send me letters full of false statements. Hold them accountable. I will continue to file complaints until CFPB stops closing them! This isn't resolved at all and Nelnet needs to be held responsible for what they did and are still doing to me..
Product: Debt collection

on XXXX i check my bank account it was {$3700.00} hold on my account .I immediately call XXXX  and i spoke to them and they given my phone number to contact XXXX police department.But unfortunately the phone number is connector to debt collector call Nelson and kennard Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX