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

My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 2. A personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of these hard inquiries, along with a copy of the consumer FICO credit report maintained by you, which highlights the fraudulent items mentioned above. 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. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling and disputes particularly in lights 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 instigate my claimed adequately, they informed me that recovering lost funds was impossible and that tracing these funds 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 users vulnerable to scams, this lack of unaccountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : XXXX Experian Subject : Multiple and Inaccurate Reporting of XXXX XXXX XXXX Account # XXXX Details of the Complaint : I am filing a formal complaint against XXXX and Experian for the inaccurate and duplicate reporting of my XXXX XXXX XXXX Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit.

2. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my XXXX XXXX, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a XXXX : Experian is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection XXXX month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.
Product: Debt collection

True accord has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian InquiriesXXXX 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, XXXX XXXX, XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting

On XX/XX/XXXX the XXXX County Clerk recorded a tax lien by the CA Franchise Tax Board, Ref : XXXX. We were not aware of the lien as our taxes were being handled by a 3rd Party. 
On XX/XX/XXXX, the County Clerk filed a Release of Lien, Ref : XXXX. 
On XX/XX/XXXX, after we challenged the lien with the Tax Board, the County Clerk recorded a " Lien Recorded in Error '', Ref : XXXX. This recording recognized that the Tax Board had acknowledged that the lien had been recorded in error. 
XXXX and XXXX removed the lien record from our credit report, without our having to request it. Equifax did not. 
Beginning on XX/XX/XXXX, we submitted, on XXXX occasions, requests for the removal of the record of the tax lien. Three times XXXX reported that they had investigated the matter and concluded that they were correct in continuing to show the record of the tax lien, subsequently released. We submitted certified copies of the recorder 's filings, clearly cross-referencing each of the XXXX documents to the " Document No '' referenced on the first filing. 
Equifax claimed that the release in error did not relate to the lien filing document.
Product: Credit reporting

XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds
Product: Debt collection

I need all false information removed from my report. I have repeatedly advised and submitted the affidavit stating that addresses, work info and information that is incorrect or not me. It has not been removed. The agency, XXXX has removed some of the fraudulent items but not all. This continues to be a great burden on my name and reputation as a consumer. Stating that items came back verified simply means that it was verified that the thief actually made these transactions. Not one person or entity contacted me, my friends or family concerning this. So who actually verified this fraud?
Product: Credit card or prepaid card

On Thursday XX/XX/2023 at approximately XXXX, XXXX, and XXXX hours, I attempted to contact Grow Credit in an attempt to pay my account balance in full. All was done to no avail.

Prior to this, I attempted several times to use the Grow Credit application on XXXX device but continued to receive an error message stating that my primary banking debit card could not be added because Grow Credit stated my debit was a credit card when in fact it was not.
Product: Debt collection

Contacted by a debt reseller ( Midwest Resellers in XXXX, MN ) to collect a debt that I had previously identified and reported with the original debtor as identity theft. Was continually harassed by telephone, threatened to ruin my credit, prevent me from getting any credit, etc. Long story short they have now attempted on three separate occasions to access my credit report by using the name MidwestBank1 and saying I applied for an installment loan. The first attempt I reported to the FTC and they removed from my credit report. I am now paying to have my credit monitored and locked from inquiries. I have told them I reported this first request with the FTC and they told me that they could not do that and the debt collector, XXXX XXXX from Midwest Resellers said he contacted the FTC and they said he had done nothing wrong. He continues to attempt to access my credit report with the applied for an installment loan as a reason and I just received a notice from my credit agency that he has again, yesterday, attempted to gain access to my credit report. This is the fourth time. This debt had nothing to do with an installment loan and my ex-husband put me down as a co-signor without my knowledge. I was not aware of this until after his death.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balance : {$340.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX settled this account on XX/XX/2019 for {$1400.00}. The first payment was on XX/XX/2019 and subsequent monthly payments were made as indicated on the scheduled payment log, attached. These payments account for over a year of payments. 
Again, the settlement amount {$1400.00} is less than the amount ( {$2700.00} ) LVNV Funding is reporting as the correct balance owed. A false impression is created for everyone who are reviewing my credit reports. Additionally, it indicates that I am more deeply indebted than I actually am.
Product: Debt collection

My business failed and my partnership dissolved. BB & T, after being notified that I am looking into bankruptcy options and am working on all my debt starting withdrawing money out of my personal account for the business credit card. They did this until I was over drawn and left with nothing. After complaining they stopped but now are steadily calling and harassing me and I am in fear of them draining my account again leaving me with nothing and no ability to pay any bills. I am committed to doing the right thing but I think it is an atrocity that they can take money directly out of your personal account for a business debt without notice and then allow your account to be in default to other creditors and then charge your account fees on top of that. It 's insanity.
Product: Debt collection

I'm just trying to get help with a collection account that I've been fighting for a long time. 
A collection agency is saying I owe over {$2400.00} for an XXXX   bill. I do not owe them {$2400.00}. 

I've tried speaking with XXXX  in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX  for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy. 

Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.
Product: Debt collection

I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( https : //XXXX  ) which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services. XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE NOT MY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunion mail letters and Etcs
Product: Mortgage

Nationwide biweekly administration has took money out of my bank account and never submitted it to XXXX XXXX, cause me to fall behind in my house payment.
Product: Credit reporting

I tried to access my credit report because I could not answer the security questions. XXXX was about a loan I never heard of and another about a new car that Ive never seen
Product: Debt collection

Actually it 's not continued attempts! I received an alert today XX/XX/XXXX of something being added to my credit report so I look and it shows Avante USA and that the account was opened XX/XX/XXXX and already placed in collection a month later. I have not opened any account in a good while, I have been paying things on time so my to improve my score. I looked online and I see where this company has complaints about a lot of things. I called the number and left a message because this is so not right
Product: Debt collection

I have sent this company numerous documents to show that I was a victim of identity fraud and that these account do not belong to me I live in Ga and this hospital is in florida.
Product: Student loan

The XXXX website ( XXXX ) is non-responsive, and that is where I make my student loan payments. For several months I have attempted to make student loans and have been assessed late fees because the loan payments have been made after a deadline. This is not fair, because I have attempted several times to make my payments online but their website is not responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that XXXX XXXX continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXX card that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.
Product: Debt collection

I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.
Product: Credit reporting or other personal consumer reports

Capital One has violated fair credit reporting act by reporting false balances and surcharges after account with closed with XXXX credit balance positive after account was closed Capital One continue to report late payment charges after account was closed when Capital One became non-compliant due to XXXX credit issuing after {$200.00} deposit was made Capital One was supposed to credit the account dollar for dollar with the {$200.00} deposit given the account a total amount of {$400.00} credit Capital One failed to do so so then customer asks to close account they did not fund the money they continue to charge the account with prejudice and malicious intent based off of an old account that was closed due to data breach Capital One has sold consumers information so multiple third-party vendors that are not Capital One affiliates Capital One has caused a data breached to the consumers intellectual property.
Product: Mortgage

Unfortunately, the service was inadequate because the mortgage loan processor XXXX XXXX XXXX, # XXXX provided false information that caused a denial in my FHA refinance. I was told to stop my autopayments and that the loan processor would coordinate for notary to come to my house for the closing costs to be collected in early XXXX. I emailed and called the loan processor multiple times to find out she got promoted late XXXX in which she did not communicate. My loan was handed off to another loan processor in which has yet to communicate with me. Come XXXX I felt it was little odd that i still didnt receive any correspondence regarding my payment or closing and I called to make a payment for the 2 months totaling roughly {$3700.00}. The rep that took my payment said that this was bad news for me since the loan processor did not communicate i was subject to being disqualified. I was on XXXX and was making my payments on time she should've said to continue until we closed but she didn't which is very frustrating and disappointing. Because of the lack of professionalism, ethics, and communication I am now INELIGIBLE for a refinance. I reached out to the supervisors that gave me what was a superficial apology but i never received a formal apology for the mistake of the loan officer or the lack of communication. I am stuck with this loan company for another 6 months.
Product: Checking or savings account

My case-I opened an online checking account at citi bank on XXXX XXXX .After few days on XXXX XXXX when I already deposited money on it I received a mail that my account is closed and i have to reach out to fraud department. On XX/XX/XXXX After reaching fraud dept at this number they said my account is closed with no clear reason. Upon asking when I can get my money back XXXX $ which I deposited, they started asking my phone number and code I received on my phone. After lot of hesitation in sharing my code I finally did then they asked me to upload my address docs and said after uploading we will send the money. After uploading the docs called again on XXXX XXXX and got same response and asked same address docs to upload. XXXX called on XXXX XXXX they did the same 30+ min process but after showing lot of frustration they told me that I will receive my money within 15 days. After calling again on XXXX XXXX they said my check has resent on XXXX XXXX and will receive by XXXX XXXX. I have still not received any money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Transunion to receive my annual consumer report and they have refused to issue me my consumer report.