23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After bankruptcy, i tried to rebuild my credit. I applied to a wellsfargo creditcard and was told no a couple of times and i was told i was denied because of the bankruptcy. I was told i could open a secured card to rebuild my credit with a deposit. I opened it with XXXX then i was told i need to open a checking account with XXXX and a saving because wells fargo does not lend to non customers. I need to build my credit so i agreed. After a few years in fees in the checking, savings and credit card. I decided to park XXXX in the saving to avoid fees yet i was still charged and when i called to complain they told me i need to keep a minimum of 300 a month this went on for 3 month were i did not touch XXXX from the account and was still charged monthly fees, so i pulled the money because they would charge me the monthly fee regardless. After a while wellsfargo returned my security deposit and increased my balence of credit. I fell in hard times and used it. After a while i tried to renegotiate my rate and was told no multiple times. So i said i would close the checking and savings. I was reminded by the bank that they only extend credit card to bank customers and if i was not a customer my balance was due. I did not have the cash so i just left the account open. I dont even use the checking and savings with them, i have a main account with chase were i pay my bill and everyday expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On SundayXX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (Transunion, XXXX XXXX.) from XXXX servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I didn't receive my tax due notice in the mail but was sent a late notice, so it was immediately paid on XX/XX/XXXX. at the XXXX XXXX tax dept. ( no late penalty was added ) Then on my XXXX mortgage statement XXXX was added to my payment. I called Mr. Cooper explaining the taxes had been paid. They said because the taxes were late, they paid them and added the XXXX. But I told them and sent them the tax dept statement showing that it was paid by me and that their payment was returned. I have tried several times to get the XXXX removed and I'm constantly given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to dispute credit inquires that were unauthorized and they did not delete.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my XXXX was stolen in XXXX, XXXX around XXXX PTC . The thieves were able to get my passcode to my phone. This granted them access to my Chase account as they were able to login using the phone passcode they had stolen ( bypassing the need to put in my chase username and password ). 
Upon noticing my phone was stolen, I immediately called Chase bank to shut down access to my account to prevent any money being stolen. This was at XXXX PT. 
The thieves were able to gain access to my account at XXXX themselves XXXX dollars at XXXX and XXXX dollars at XXXX ( but this payment did not process until XXXX PT ). Chase shut down mobile access to my account at approx. XXXX PT. On this recorded phone call, I asked whether any transactions had been made. They responded that a XXXX XXXX transaction had occurred. I immediately filed a fraud claim on this. Chase did not mention the XXXX dollar XXXX transaction. 
After calling various banks and then the police dept of XXXX, I then went to the police dept and filed an official police report. In the police report, they stated that my phone had been stolen and that XXXX dollars had been stolen from my chase account. The police even tried to search for the phone and find the people responsible but were unable to. At the time of filing the police report, I was unaware of the XXXX dollars transaction as I had no access to my own account and chase did not mention it. 
After returning from XXXX, I went to a Chase location in XXXX XXXX to fax the police report to claims department at Chase. At the Chase location, I was informed that there was a transaction for XXXX dollars that was processed at XXXX on XX/XX/XXXX ( hours after my account was supposed to have been closed ). I immediately filed a second fraud claim on this transaction as well as submitted the police report. 
A week later, I received mobile letters from Chase that they were denying both fraud claims. I called the claims department and they claimed that they did not find sufficient evidence of fraud. However, there is an abundance of evidence. Especially for the XXXX dollar claim, which I am unclear as to how it was even allowed to process when I had already called hours earlier to stop any transactions happening on that account. 

As for the abundance of evidence I have the following : - The police report stating in detail what occurred - The fact it was in a foreign country- XXXX payments that far exceeded amounts that I normally send - XXXX payments to foreign people whom I never had sent money to before - Phone call records showing that I called 15min after the first transaction ( with recording showing I didnt even know the transaction had taken place ) - The account supposedly being locked when the second transaction was allowed to process - Suspicious activity from my other financial institutions ( that luckily were not allowed to process )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Request for Debt Validation XXXX To Whom It May Concern, I am writing to request validation of the debt associated with the account number referenced above, which has been reported by your company, Midland Credit Management XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification and validation of this debt, including the original creditor 's name, the amount owed, and any relevant documentation that substantiates this claim. 

Please provide the following : XXXX. The name of the original creditor. 


XXXX. The amount of the debt at the time it was transferred or assigned to your company. 


XXXX. A complete itemization of the debt, including any interest, fees, or other charges that may have been added. 


XXXX. Documentation or proof that you are authorized to collect on this debt, including any agreements or contracts. 


XXXX. A copy of the original signed agreement or any other evidence that substantiates this debt. 



Until I receive this information, I request that no further collection activity be pursued and that my account be marked as disputed. Please also provide information on the process for disputing the debt if I find any discrepancies. 

If you fail to respond to this request within 30 days, as required by the FDCPA, I will consider this matter closed and will dispute the validity of the debt with the credit bureaus. 

Please send your response to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX -- - This letter serves as a formal request for debt validation and can be customized with your specific information. Be sure to send the letter via certified mail with a return receipt to ensure that you have proof of delivery.
Product: Debt collection

I received a notice that a loan was taken out at Eagle Loan company on XX/XX/2018 in my name in XXXX, Ohio. The Place is listed as Eagle Loan Company XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. 
The problem is I have never heard of this place or been to any of their locations. 
The signature is not mine. I have not received any notice that a loan for $ XXXX was taken out in my name at any time. 
MY parents have taught me to NEVER go to these places as they are rip off loans. 
If I need money, I can always borrow off my parents. My parents are most helpful. 
This is the 2nd case that my name has been used that I am recently aware of. this appears to be a case of Identity theft. The first case was dismissed.
Product: Debt collection

Today on XX/XX/2018 This company called my place of employment at least 3 time or more times. between XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account off my credit report, this account is hurting my ability to obtain credit and buy a home.
Product: Credit reporting or other personal consumer reports

Goldman Sachs bank is refusing to update my XXXX report after paying their requested amount to close the account. 

Theyre still reporting this as a derogatory account which is a direct violation of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

I, as consumer, without aid of credit repair organization, am writing to report an unfair and deceptive practice against Resurgent Receivable evidence by exhibited XXXX XXXX results attached. 

On XX/XX/2022 a completed investigation by XXXX returned with deletion of account information reported in violation of 15 USC 1692c ( b ) as unauthorized use of personal information and highly restricted personal information as defined at 18 U.S. Code 2725.

The debt collector induced a hardship as an unfair and abusive practice.

This deletion is admission of violation of 15 USC 1692c ( b ) for which obligation for willful misconduct is due in compliance to 15 USC 1611 and 15 U.S. Code 1692k ( a ) ( 2 ).

This is an attempt to collection a debt from a debt collector. Any information obtained will be used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Product: Debt collection

Resurgent/LVNV needs to validate this debt. I do not owe them. Provide me with an original signature validating this debt.
Product: Checking or savings account

ON XX/XX/XXXX PNC BANK DECIDED TO PUT A HOLD ON MY BANK ACCOUNT NO REASON GIVEN, they have no proof of letters sent to my home address explaining the reason why the hold There are over {$44000.00} USD DOLLARS they have had my money for well over 2 years THEY ASKED ME TO STEP IN THE BRANCH WITH MY BROTHER WITH OUR IDs WE MET WITH XXXX XXXX AT THE PNC BRANCH LOCATED ON XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX WE GAVE HIM OUR IDS AND HE SAID THIS IS ALL WE NEED, THE HOLD SHOULD BE REMOVED WITHIN 48 HOURS WE MET XXXX XXXX XXXX AND IT IS ALMOST XXXX I JUST WANT PNC TO EXPLAIN WHY ARE THEY STILL HOLDING MY MONEY??? 

THEY ASKED ME TO STEP IN WITH MY BROTHER AND WE DID. 

I ASK THE CFPB TO PLEASE PROTECT ME AND HELP ME AGAINST THIS FRAUDULENT BANKING PRACTICE THEY ARE TRYING TO KEEP MY HARD EARNED MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft report here is the number FTC report number XXXX I asked to please have these fraudulent inquiries removed XXXX  XXXX XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 2021
Product: Debt collection

This complaint/dispute is specifically committed and routed to the CFPB as provided in 15 USC sec 1692I and per Federal Trade Commission . This case involves abuse, False or Misleading Representations, conveying of information regarding a debt directly or indirectly to any person through any medium, and Lack of Consent to communicate with the Consumer. On XX/XX/XXXX I received an unsigned certified package that no one signed for. In the package there contained a law suite and threatening debt collection letter back dated for XX/XX/XXXX titled " DEMAND LETTER '' ( In bold text ) Violates 15 USC 1692 ( d ). Though the packaged appears to be a certified letter, in the text of the letter it states, " Sent via regular mail '' The header of the letter has a logo in all capital letters, bold text, size 48 that state XXXX ( XXXX XXXX XXXX XXXX XXXX ). The letter was in reference to " XXXX : XXXX XXXX XXXX XXXX XXXX XXXX fees and other charges allegedly due. I have done no business with this Law firm. The alleged debt collectors also harassed the ex-wife of the consumer to serve her a law suite in regards to ( Consumer ) XXXX XXXX XXXX XXXX. The violator 's " DEMAND LETTER '' states threats to sue and foreclose my property if I didn't pay them. I can not be sued if an attorney is involved. ( FDCPA 15 USC 1692 ( e ) ) An attorney can not claim to be a debt collector without committing fraud. The violators who sent me this letter are namely ( attorneys ) XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX ( XXXX ), and alleged Account Assistant XXXX XXXX ( XXXX ). The attorney 's process server admits in a letter serving the wrong address and wrong person who is not a party of interest to my property and alleged HOA and attorney fees. Their process server sent all notices to the ex-wife XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX which on XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Texas [ XXXX ]. This is a vicious and wrongful foreclosure attack that it over reaches for fees less than {$3000.00} to gain my property worth {$300000.00}. The violated my consumer right by Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property; or ( C ) the property is exempt by law from such dispossession or disablement. The consumer ( XXXX XXXX XXXX XXXX did not sign a contract with the debt collector nor a real party in reference ) The debt collector can not provide proof that a signed contract exist between the Consumer and alleged debt collector nor the party they collect for. The debt collector has cause the consumer a hardship of over {$10000.00} worth for time, time away from work and hardship damages in preparing to defend against their actions file in Case No. XXXX XXXX XXXX of XXXX County , Texas.
Product: Money transfer, virtual currency, or money service

I 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Incorrectly reported late payments and correct account balances immediately To whom it may concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX U.S.C. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX XXXX XXXX XXXX NA { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$180.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX  XXXX XXXX  { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } Incorrectly reporting late balance. balance for this card for this card is {$0.00}. -please correct balance immediately I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX