23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my frustration and concern with Experian and XXXX, two major credit reporting agencies, for their negligence in handling my credit report. For many years, I have been dealing with an incorrect credit report, and despite my efforts to rectify the issue, it has persisted, causing significant financial harm. 

Upon reviewing my credit report insight, I noticed that the summary indicates that I have been 98 % paid as agreed on my accounts, but there is one negative account on my credit report. However, there is no indication of which account is negative, leaving me in the dark about why my credit score has decreased. I have contacted Experian multiple times to request information about this negative account, but they have been unable to provide me with any information. 

As a result of this error, I have suffered financial pains for the past five years, losing thousands of dollars due to higher interest rates. This error has caused me significant stress and anxiety, and I am no longer willing to tolerate it. I believe that the negative account may be related to a dispute I submitted regarding an account with XXXX XXXX five years ago, which had an erroneous late payment due to early termination and insurance loss. I am adding them to this dispute, as this might be an issue related to them but can not explain why XXXX is correct but XXXX and Experian are reporting wrong. 

On XX/XX/2023, I reached out to Experian again to request help in finding the discrepancy in my credit report, but the representative I spoke with was not empathetic or helpful. They simply told me that they would send me a report and that I should indicate if something was wrong with it. Additionally, I was told ( erroneously ) that this could be caused by MyFICO, which I ended up getting a membership to prove it has nothing to do with them as they are not a credit bureau. I added the report in a reduced format ( as the original document is over 20 Mbs ), as it indicates an issue with the XXXX account previously mentioned. 

Anyways, I received my credit score via mail on XX/XX/XXXX, and the same error was present in the report summary, despite my previous request for assistance. 

I have also submitted a complaint report to the Federal Trade Commission ( ID : XXXX ), but I am hoping that the Consumer Financial Protection Bureau can also intervene on my behalf to ensure that this issue is resolved quickly and effectively. I am seeking your assistance in correcting this error and restoring my credit score to its rightful place. I have a reference number for my previous interaction with Experian, which is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I sent in a request to Experian demanding that they show me proof of these account-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 2 XXXX XXXX accounts and XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act, they have to either send me written verification of these accounts with my signature or remove these said accounts from my credit report. They have failed to do either. I then sent in a 2nd letter on XX/XX/2019, asking them to send me proof of these accounts, and they still have yet to send in written verification with my signature as per the FCRA. I am sending in another letter this Saturday, XX/XX/XXXX, to get the verification that they have failed to provide or have these accounts removed. Since they have not sent this proof as per the FCRA, I ask that they remove these accounts immediately
Product: Checking or savings account

I opened up two separate disputes on a XXXX  XXXX that scammed us for our wedding. She was hired to do catering, full service serving, cake cutting, juice bar, coffee bar, dessert table, butlers and hors devours for XXXX hour. Our caterer left us hanging and did not provide the services we paid for! After contacting her, she proceeded to block us on everything so no resolution could be made. Of course our next step was to dispute with Wells Fargo, which they soon after denied and then reopened my claim once I called them. I sent in all of the proof such as the contract like they asked for, and the messages I had with her when she blocked and ignored us. Furthermore, they sided with her and said that she said she was willing to work with us which was NEVER the case as she is a scammer and blocked us immediately. We have messages for proof so obviously Wells Fargo did NOT investigate for us and we are out of $ XXXX. We were on a payment plan with this person so we made multiple payments to them totaling over {$1000.00}. We sent in all of the proof, and we do not believe she was able to prove anything because she can not have proof of something she did not provide. I am 100 % disappointed in the way Wells Fargo handled this as Im a customer for many years and Ive been scammed and they are not allowing a investigation to be made with ALL OF THE PROOF. Transaction dates listed below : {$750.00} on XX/XX/XXXX {$170.00} on XX/XX/XXXX {$120.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX {$50.00} on XX/XX/XXXX
Product: Debt collection

I have been receiving letters from different lawyers regarding this debt. I have also sent a correspondence letter to the debt collector to verify/confirm this debt and have not heard from them and this was months ago. Now Im being sued for a debt I have no knowledge of and no one can seem to verify. And getting threats of garnishment
Product: Debt collection

i have reached out several times to this company and also to the credit reporting agencies regarding this account that is listed on my credit report. its a joint account which has not been validated to be an account that I requested to open. Ive never given anyone permission to open an account with this company and have gotten no response since then regarding this matter
Product: Credit card or prepaid card

Fortiva credit card has issued excessive fees on my credit card. My due date is the XXXX of the month, XXXX, XXXX, I paid the bill the XXXX .TWO DAYS late because I was ill with covid. I called the company and the representative stated they would waive the late fee. HE DID NOT!! Not only was it not removed, from XXXX to XXXX, I am being assessed $ XXXX, As of XXXX, the minimum payment due is {$240.00}, which I can not afford to pay., I had previously paid over the minimum amount due which ranged from $ XXXX. I always paid $ XXXX which WAS over the minimum payment I NEVER missed a monthliy payment. .However, this company does not appreciate the consistent paying consumer. Does not hold true to their word ( waive the late fee ) and fleecing the consumer with continual, excessive late fees. As of today, XX/XX/XXXX, I closed the account, however, was told these late fees will continue. {$46.00}, month which will soon equal the total amount due XXXX,, I have until XX/XX/XXXX to pay the {$240.00}, for XXXX, which will continue to accrue. Presently, theyre, asking 45 % of the total balance {$550.00}. Please help me. This is totally ujust. On XX/XX/XXXX, I faxed XXXX. documents with the statements along with my complaint, I have received no answer.
Product: Credit card or prepaid card

My prepaied bluebird checking account, by american express was charged {$300.00} on XX/XX/XXXX for purchase to XXXX XXXX XXXX. I contacted my bank immediately to dispute. They eventually issued a temporary credit for the amount. On XX/XX/XXXX I got an email that my account was permantely closed and the credit of {$300.00} was reversed as the fraudulent charge was denied and bluebird considered the charge authorized. They did not provide any proof of this being an authorized charge yet I DID provide proof it was fraudulent. XXXX XXXX provided me with an email stating they could see it was a fraudulent charge and would work with my bank to get me my money back. I provided this email to the bank. They closed my account, are holding all my funds, including my upcoming direct deposit paycheck, XXXX took the {$300.00} from me without proving the charge.
Product: Debt collection

LVNV FUNDING is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with LVNV or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs 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 consumers safety.
Product: Student loan

On XX/XX/2020, I submitted a future payment with FedLoan for my student loans in the amount of {$2100.00} that was to be withdrawn on XX/XX/2020, and was allocated to specific student loans. I did not receive an email confirmation as I always have on every non-automatic payment I have submitted. On XX/XX/2020, I logged in as the funds had not been withdrawn from my account and I was unable to find a pending payment for the {$2100.00}. Since I was not able to locate the payment I submitted a payment request on XX/XX/2020, for {$2000.00} with the funds allocating to the same student loans as the XX/XX/2020 payment was to. I did receive an email confirmation for the XX/XX/2020 payment. 

On XX/XX/2020, I logged in to see that the {$2000.00} payment was now showing as complete and was processed and the XX/XX/2020 payment was pending. Having both payments processed was going to overdraft my bank account by over {$2000.00} and would have overpaid the four loans ' entire balance by {$1900.00}. I spoke to a Fed loan employee on the chat, another on the phone, and a supervisor. I asked to stop the {$2000.00} payment but they informed me that I would need to go through my bank, XXXX. My bank also said they could not stop it. 

On XX/XX/2020 I logged into my account to see that the four loans were now at a negative balance as they had been overpaid by {$1900.00}. I called FedLoan and spoke to XXXX, Fedloan # XXXX, and I explained the situation. He informed me that the {$1900.00} would be returned to my bank account within 7 days and they always return funds unless it is less than {$5.00} If the overpayment is less than {$5.00} they keep the money. I asked for an email verification regarding this and he told me he would put a request in and I would receive an email within 2 days. 

I have not received the email as of today, XX/XX/2020. I logged into Fedloan and I see that the funds were not returned to me but applied to my other Fedloans, without my discretion on what amounts and what loans. I did an online chat with Fedloans and asked about the information I was given from XXXX and the promise of the email. I was told that XXXX did not provide the correct information and that the email would take 7 to 10 days but is now invalid. 

Starting with the fact that there was an error on Fedloan that failed to send me the payment confirmation for the XX/XX/XXXX payment or show it on my account as even pending as of XX/XX/2020, and the chain of misinformation I received following that I am very frustrated and concerned as a consumer trying to pay off my student loans. Not to mention I am now {$2000.00} over drafted in my checking account due to this error. I hope that the CDPB can look further into this as this is a hardship for me and I fear I am not the only person that has experienced this.
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry. 
I have asked for it to be deleted from my credit report immediately and permanently. 
I am requesting this inquiry, that I do not recognize to be deleted permanently, and immediately from my credit reports. 

XXXX XXXX XX/XX/year> I am attaching my drivers license as well as my social security card
Product: Debt collection

Credence Resource Management reported a debt that does not belong to me without sending proper disclosures giving me the right to dispute the alleged debt. I want the debt removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$300.00} XXXX  XXXX Balance : {$230.00} XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00}.
Product: Checking or savings account

Ref to case # XXXX this case still not fixed Citibank has sent me a letter on XX/XX/2019. On the letter had informed me " The accounts were closed on XX/XX/2019. We are the process of issuing an Official Check for the balance remaining in the account, which will be sent to you separately. Please allow 3 to 5 days to received the check '' As today is XX/XX/2019 I still not receive check from them. How many errors Citibank can be made since I had opened an accounts with them. Over a months they has been holding my money, then can't solve they own problems and just closed my account. However, if this happen to over a hundred or thousand clients how much money get involve. I heard many clients has been complaint Citibank, but the bank never be able to solve they problems and continue with the issues. 

Please see attached file for the letter that Citibank sent to me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

Debt is not mine. Continued attempt to collect debt that is not mine.
Product: Checking or savings account

On XX/XX/XXXX, BofA XXXX ( XXXX XXXX XXXX, who works for XXXX XXXX ) sent a letter with misstatements to XXXX XXXX XXXX and documents showing evidence that XXXX XXXX XXXX was managing XXXX XXXX 's account in XXXX of XXXX, not XXXX XXXX XXXX XXXX, as per the client 's request in writing. 
There were unauthorized trades and excessive withdrawals- please see the attached statements received by XXXX XXXX in the mail. 
His XX/XX/XXXX statements and transactions were missing from this paperwork. 

XXXX XXXX would like to request that this information be sent to XXXX and to the SEC and that BofA is asked to produce documents pertaining to his accounts ending in XXXX and XXXX. 

Because of BofAs unwillingness to allow XXXX XXXX to transfer his accounts in time to make a required distribution, the client may be forced to contact the IRS. 
He is not sure of the total XXXX at BofA in his social security number at year end. 

Please see the attached details. 

XXXX fair market value of XXXX XXXX 's XXXX account was $ XXXX see form XXXX irs.gov/form, and was managed by the BofA XXXX, XXXX XXXX office. 

XXXX XXXX XXXX, XXXX, the account ending in XXXX was being managed by XXXX XXXX XXXX XXXX XXXX at XXXX rock center, and had Assets of {$610000.00}. 
Total debits from the account in XXXX were {$57000.00}. 

The account value as of XX/XX/XXXX was {$670.00}, under XXXX  XXXX XXXX ( who had no knowledge of any of these transactions ) and XXXX XXXX XXXX, at phone number XXXX. 

As of XX/XX/XXXX, assets had been transferred to an account ending in XXXX. 

It is not clear what has happened to these assets, as of XX/XX/XXXX. 

XXXX XXXX 's contact information is as follows : Tel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

While attending XXXX I began with a guest pass, but after using up the days of it I transitioned to a $ XXXX membership that was used for weight training. For nearly 2 months I went into the gym 4-5 days a week at about XXXX checking in at the desk each and everyday. Until XXXX day I tried to sign in and they said that they didn't have a card on file for me. When I asked how is that possible if I've been checking in for weeks, being charged, and NEVER stopped by anyone they had no explanation and gave me a number to call. The number was no help, so after nobody having answers for this weird situation I stopped attending the gym. Fast forward a couple months later and there's no a collections balance. Either A staffing did a terrible job or B something funny happened within the system on their end, because I was never stopped and being charged monthly. To top it all off nobody could give me an explanation on what I was paying, why I'm paying it, how this happened, or how I know it won't happen again. This is ridiculous.