23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a home warranty with XXXX XXXX XXXX. I have maintained the warranty off and on since I purchased my home in XX/XX/XXXX. The last series of claims were handled very poorly, with problems continuing to persist. A complaint was made to XXXX and I was told repeatedly that it was due to a high employee turnover at the time. As for the service ... It appears they bandage mechanical issues, rather than repair the source ... causing ongoing issues, creating more revenue from deductibles. I decided I needed time to shop around for another home warranty before I paid any more premiums. I was under no contract, and was told multiple times, over the course of the business relationship, that a cancellation notice was never needed. If I no longer wanted their services, I simply stopped paying. That is what I did. I received a letter from Nationwide Credit , Inc stating that they are collecting a debt of {$180.00} from XXXX XXXX XXXX! So XXXX continued to bill be for FOUR MONTHS, then turned it over to collections. I have had ZERO claims since the last series that was handled so poorly in the fall of XX/XX/XXXX. This is a complete racket!! I should not owe this amount. And if I do n't take care of the " debt '', my credit score will suffer. That I can not afford ( a drop in credit score OR the debt ). I am a single mother with XXXX children, receiving no support from the non-custodial parent or anyone else, just recently in XXXX from XXXX XXXX XXXX XXXX XXXX ... ..I should NOT owe this debt. When I have tried to contact their billing department, the recording says the wait time is greater than one hour. Not surprised, considering their new business practice. When you try to contact their SALES department, there is ZERO wait time, but they will not answer my billing questions. This home warranty company needs to be closed down. Please contact me to discuss my options. 

XXXX XXXX XXXX Contract ID : XXXX ( XXXX )  XXXX Nationwide Credit, Inc Account Number : XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over a letter to this company by the name of XXXX XXXX that I kept getting emails from stating that I owe an balance on an account that I have no knowledge of. When I clicked on the email it brought me to a website showing a balance along with phone numbers to reach out to. I asked them what is this about and why is it saying I owe a balance .When I called the number they informed me that I would need to speak to AFFIRM. I then had sent Affirm a letter on XX/XX/XXXX requesting more information to validate this account for me. I waited and never received anything in the mail, they sent me a email instead on XX/XX/XXXX with just amounts and loan balances. I then sent them letter out on XX/XX/XXXX stating that they still have not complied with the FCBA. They only forwarded a portion of the documentation requested and required by the FCBA. I sent another letter on XX/XX/XXXX requesting for the 3rd time and it is now XX/XX/XXXX and they still are reporting this account, which has been detrimental to my credit report! I am requesting that they remove this account and delete it from my credit reports immediately. This is a serious matter and very sad that I am being affected and haven't been provided any documentation or even a response in over two months.
Product: Credit card or prepaid card

I discovered fraudulent charges on my direct express card with the following dates and amounts charged : XX/XX/2020 for XXXX dollar, XX/XX/2020 for XXXX, and XX/XX/2020 for XXXX. I never authorized these charges from XXXX XXXX. I filed the necessary fraud questionnaire to dispute the charges Direct express denied the claims due to conflicting information. I s asked them to email me the documents that showed the conflicting information and they sent the statements showing the charges, a copy of the fraud questionnaire I filled out, and a copy of their denial. No explanation or proof of any conflicting information. There is no reason they shouldn't return my funds that were fraudulently charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Fortiva for an alarm service with XXXX. I have noticed for the last few months that this account is reporting as a credit card and I never received a credit card. I called several times to get this resolved and for some reason I am having the hardest time. I explained that the way their reporting this account is inaccurate. It makes it as if I am exhausting the card that I never received every month. I am getting the run around about fixing my credit report. My credit score is damaged each month as that they report this inaccurate. I spoke with 2 agents on XX/XX/2021 XXXX badge number XXXX ( supervisor ) XXXX agent @ XXXX XX/XX/2021. Also they are reporting wrong balances on my credit report.
Product: Debt collection

Hello, My name is XXXX XXXX and I am a victim of Identity Theft. I did not make any contract with CREDENCE or the original creditor. The original account is a result of identity theft and should be treated as such. The entire collection account is fraudulent due to it being a result of identity theft. Please have CREDENCE seize all types of communications with me and have remove all credit reporting immediately. 

They're damaging my chances of buying a house. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handle and dispute 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 recovering loss funds is impossible and these tracking transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been A Victim Of Identity Theft This Account have Been open Without my Consent to Open this Fraudulent Account. Please Shut This Account Off and Remove
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX XXXX XX/XX/XXXX Global lend XX/XX/XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon reviewing my credit report, I noticed a list of unauthorized inquiries and transactions that are not of my doings. XXXX XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX  Inquiry dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>. Alongside collections report from XXXX XXXX XXXX XXXX reported XX/XX/year>, XXXX XXXX XXXX XXXX reported XX/XX/year>, XXXX XXXX XXXX reported XX/XX/year>.
Product: Vehicle loan or lease

I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.
Product: Credit card

I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX in XX/XX/2020 through XX/XX/2020. I was XXXX and on a XXXX fighting for my life. I am a XXXX veteran who hit hard times due to the pandemic and my wife and I have reached out to XXXX XXXX when I was not able to make payments and under the Care Act creditors were not suppose to report bad marks to credit agencies if the customer was having trouble due to COVID. In fact my wife and I both had XXXX.XXXX XXXX still reported back marks. We are homeless are trying to get a new home but because of the bad marks we are not able to get the home. The late payments start XXXX and is reported through XX/XX/2020.. during thus time I was extremely sick. Please help me get those late fees removed from my credited report. Please we really need a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Balance updated XX/XX/2022 This account should be removed completely from my Credit Report...
Product: Credit card or prepaid card

I returned an item, by US mail, and the merchant did not credit my account. I sent two letters to BOA asking them to investigate. I provided a tracking number but they did not respond
Product: Vehicle loan or lease

Account was paid off XX/XX/2022 Credit bureaus are still reporting the account still open and delinquent
Product: Debt collection

This company has been reporting that I have a XXXX $ debt for 8 years on my credit report. I have told them thus is not my debt. They have no concern for laws or rules. They keep adding to this debt that is not mine and more importantly they keep reporting this debt to the 3 major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately.. I have listed the accurate personal information and relevant details : Any information not listed below please remove.

1.Accurate Legal Name : XXXX XXXX XXXX 2.Accurate Current Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX 3.Accurate Telephone Number : XXXX 4.Accurate Employer Name and Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX 5.Spouse Information : XXXX XXXX 6.DOB : XX/XX/year> 7.Commercial Address : XXXX  I kindly request that you delete the inaccurate personal information from my credit report as soon as possible. Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals. Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies. This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report. I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies. Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism. 

Sincerely : XXXX XXXX XXXX
Product: Mortgage

This loan is called ocwean and they recently changed their name to phh loan. My home burnt down a year and a half ago my insurance company sent me 2 different checks For my contents and value of my home. I sent ocwean a check from XXXX that was the exact amount to pay this loan off and close the account for good. They kept insisting that I needed to have a Affidavit. So 3 different times we have mailed it back with the pay off signed and notarized and they kept saying it was sent back to late but we sent them out the day of or day after it came to our house we even had them fax it to my attorney and ocwean told us to fax take 24-48 hours and my attorney didnt receive it until a week and a half later and they notarized it that day we signed it and they faxed it back still, the check they have cashed which was from XXXX  and my adjuster told me they cash it & they have it sitting in a escrow account and wont release the funds to pay the loan off, now they have charged me up to XXXX and are trying to foreclose on my property that my new home is being built. I have called them over 50 times and they cant answer my questions, or they hang up on me or just keep transferring me to different departments. Ive received letters in the mail to sue this company this is the kind of loan that I have paid on for 30 years and it never paid off the principal balance. I need help because this doesnt seem right when they was paid in full to close this account and never have to do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX inquiry on XX/XX/2022 ; XXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU State XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Checking or savings account

My tax return was deposited into a deactivated account with credit karma spend account the deactivated account had my maiden name on it they sent a check with the wrong name to the wrong address in 25 business days they have corrected my name but have not reissued my check or deposit into any account I have called this but when numerous supervisors that have sent me numerous emails even one saying the problem has been fixed how would you like your money and then they stop responding I feel they have stolen my money
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information on my report includes the following : A charge-off account with XXXX XXXX, marked as charged off as bad debt, with a balance of ( private ), updated in XX/XX/XXXX. A hard inquiry from XXXX, XXXX on XX/XX/XXXX. Collections reporting includes XXXX XXXX with the original creditor being XXXX, balance of ( private ), updated on XX/XX/XXXX ; XXXX XXXX XXXX with the original creditor being XXXXXXXX XXXX XXXX XXXX, balance of ( private ), updated on XX/XX/XXXXXXXX XXXX XXXX XXXX with the original creditor being XXXXXXXX XXXX, balance of ( private ), updated on XX/XX/XXXX ; and XXXX with the original creditor being XXXX, balance of ( private ), updated on XX/XX/XXXX. Accounts closed and marked as delinquent include XXXX, listed as a collection account with a balance of ( private ), updated on XX/XX/XXXX, and XXXX XXXX XXXX, marked as closed with a balance of {$0.00}, updated on XX/XX/XXXX. 

These fraudulent accounts and inquiries have resulted in several inaccurate items appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # [ your actual case number here ] as proof from the US Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  {$110.00} and XXXX XXXXXXXX XXXX XXXXThese following accounts have 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 my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit card

American Express refuses to update my balance. The balance being reflected on my credit report is 3 months old. I am applying for a mortgage and this is holding my application up. My current balance is {$230.00}. The balance is being shown as over {$700.00}. 

The credit reporting agency was quick to report when I used more credit but all XXXX credit agencies are reporting balances that are 3 months old. I need help. Thank you.
Product: Credit reporting or other personal consumer reports

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.