23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to the company after initially filing my first complaint and despite providing an address for the documentation to be mailed for an official dispute to be put in, I was told to take it up with the post office because it was a bad address despite it being the address I gave to the Consumer Bureau itself. Then, despite stating I want to dispute BOTH accounts this company opened against me for the same supposed debt at the same location, began to yell at me for payment information despite me confirming I had never received any documentation about the debt verifying it was correct or mine or the ability to dispute as I do not have direct information from this company and this is the second complaint Ive lodged and the fifth dispute in a matter of several months. There was also an effort to mislead me to gain access to my cellular number without stating it would be to collect debt. There is also proof that more than one debt was claimed on my credit and one was removed while the other was updated with a lower balance.
Product: Debt collection

I would to dispute the collections account for Account Card # Endimg in XXXX The Collections and account status is Disputed because their were unauthorized transactions on the account. 

The unauthorized transaction was a transaction With XXXX, Another Card was used to complete the transaction. XXXX cards were charged for the one transaction.

The Bank Statement of the Bank used to pay XXXX XXXX is attached. 

The same card was used to make the purchase from XXXX : Transaction XX/XX/23 XXXX Debit : Signature XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$45.00} The transaction with the XXXX XXXX  XXXX  is suspected denied for low balance and a second card the XXXX XXXX  was used. 

The card was lost and returned by the XXXX XXXX The transaction did not involve unpaid credit, the account status is incorrect, payments were on time exhibited on the Bank XXXX. 

The Collections were removed, the account was resolved previously. 

The account was resolved The Balance is incorrect, the balance is {$450.00}, more than the original amount credited to the Cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

XXXX XXXX XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account
Product: Credit card

I was declined for a credit card in spite of having a credit report with no adverse ( late payment ) information, a credit score near XXXX and 3 % utilization of available credit. After receiving the credit report, Citi requested additional information including copies of bank account statements and a copy of my federal tax return which I provided. Twice the reason given for turning down credit was " could n't verify the accuracy of ... information provided. '' I was given no opportunity to discuss this with anyone or provide further information. Lacking any reasonable reason for credit being declined I am left to conclude that the fact that I am XXXX years old is the real reason this credit was declined.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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. 
I want the CFPB to publish this
Product: Payday loan, title loan, or personal loan

I have a court date for a loan that I did not pay from Lending Club. However, I am not sure that they can charge the 30.99 % annum interest rate in the State of Maryland. The loan came from XXXX XXXX which I later found is being sued in a Class Action Lawsuit. What can I do to fight this in court?
Product: Debt collection

Barclays Bank offered a settlement ( in writing ) in XXXX XXXX, for a credit card debt with them ( 35 % of the total balance ). All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They didnt acknowledge the final payment was made, and demanded the entire balance. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX in XXXX. Now in XXXX, the last few months XXXX XXXX is aggressively pursuing the entire debt, even to the point of sending the debt to a debt collection law firm, I assume to file suit. As XXXX XXXX investigates my disputes of this debt, all they are getting from Barclays Bank are credit card statements showing the total amount of the account and total debt which was sold to them. There is no acknowledgement of the settlement agreement which was offered and put in place by Barclays Bank, or that I paid the agreed upon payments according to the agreement. They apparently just did not take the last payment so they could claim the agreement was not fulfilled, thus allowing them to charge off and sell off the entire balance. I have kept copies of the agreement and statements from the bank used to pay the 4 agreed upon payments, so that will be my evidence if this comes before a judge. Those documents are uploaded with this complaint.
Product: Debt collection

There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX  XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc.,  has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... 

Thanks to you all ....
Product: Debt collection

Repeated calls from XXXX XXXX XXXX, each time I answered the call, they would hang up. After XXXX calls, I called back and discovered it was a collection agency. I asked what debt they were collecting and they said they could not find a debt linked to my phone number. They stated they would remove my number from their database. I checked my credit report multiple times with no debt collection indicated. Two days after the multiple calls, I received another call with a hang up from this number. I called back and they asked if I knew anyone by the name of XXXX or XXXX who could be reached at this number. I told them no and explained the situation from the other day. They continue to call my phone repeatedly during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial continues month after month of reporting an account on my credit file that I never signed for. They sent a copy of a lease agreement with addresses and signatures that are " not '' mine. I've sent them everything I can to show them that all the information that they report that would be attached to that particular document does not match any information of mine ; the address on the document is one tha that I've never lived, the but signature is not mine and they never attached a drivers license, State ID, or any other picture form ID with matching signature or addresses to the document they sent through the CFPB portal. GM Financial, XXXX, and XXXX, as well as the CFPB are complicit in this fraudulent activity. It's a shame that the CFPB uses passive enforcement to regulate consumer protections as my credit file is harmed by the same entities that you are bound by law to regulate and enforce. The FCRA states that the burden of proof lies on the creditor in a consumer reporting challenge and yet GM Financial, XXXX, nor XXXX  have not presented any justifiable evidence proving that this GM account belongs to me. They sent to me a filled out credit application and a billing statement. That's not concrete enough evidence proving their false claims.
Product: Vehicle loan or lease

The company harassed me by calling me multiple times a day, a lot of times within the same hour, and back to back. I called them numerous times to tell them that i was steadily making payments to get my account caught up. And asked for a payment plan or defer a payment. They would never help me out so that i could get caught up. They then repossessed my vehicle without any warning and charged it off before it was repoed. The payments were always applied to the interest and hardly ever to the principle and the amount i owe is almost as much as the beginning loan amount 5 years ago. After the vehicle was reposessed, i found out that the dealership had charged me {$1500.00} extra for items that were not even on my vehicle. Therefor making my payments higher and my loan amount higher.
Product: Credit reporting or other personal consumer reports

I Currently have some fraudulent accounts and increase on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage is in forbearance and I am trying to do a modification to bring my account current, however, XXXX XXXX XXXX reported to all three major credit bureau that I have been over 120 days delinquent. This has affected my credit tremendously. 
Below is posted on their web site. I disputed the delinquent with them and I was told to dispute it with credit bureau and they will address it. 

BELOW THIS IS POSTED ON MY ACCOUNT ON THE WEB Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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. 

The law is very 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. 

( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )
Product: Credit card or prepaid card

I applied for a zales/commenity card to buy a ring that goes off sale today. When going through the application process it error 'd out. But I got an email that I was approved. I contacted commenity bank and was told that I would have to wait 7-10 business days to get the card to register my account. 
I contacted zales. Zales said the card should be linked to my zales account. It was not. Zales said they could link it to my account. They sent me back to commenity, who said I should go to a store and provide ID to buy a ring in store. I advised I live in a rural area and the nearest store Is approx 60 miles away and the specific ring I got the credit card for is a clearance item and unlikely to be in store. I feel mislead as I was supposed to be able to use the card immediately. If I knew I was unable to use the card until I received it in the mail, and thus unable to use it for the only item I wanted to purchase, I would have never applied for the card.
Product: Mortgage

Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- XXXX. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/24, I notified XXXX XXXX XXXXXXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXXXXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX  XXXX. 
Please feel free to contact me at XXXX XXXX XXXX XXXX inaccurate credit reporting. According to 15 U.S. Code 1681- Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
A account can not be considered 120 days late 3 months in a row.