23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Report Number XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete personal credit information. 

See the attached credit report from Experian I am distressed that you included the below information ( see attached credit report ) in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must be taken to ensure the information reported is completely accurate and correct. 

Due to concerns about identity theft please delete all invalid addresses and alias names from my credit reports attached copies that contain the correct information. 

Please also send me my updated and corrected Credit Report as soon as your investigation is finished.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not authorized and should not be reporting.
Product: Student loan

On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.
Product: Checking or savings account

My bank is preventimg me from adding a service. Im trying to access a savings app through my account but I'm not being allowed to.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act Complaint Summary : I am writing to formally dispute inaccurate information reported on my credit report by TransUnion, which I believe violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I identified discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Creditor Remark. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Closed Date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request a prompt investigation. I previously submitted a request for reinvestigation, referencing the following sections of the FCRA : 1. Section 609 ( a ) ( 1 ) ( A ) : Requires verification of accounts through original documentation. 
XXXX. Section 611 : Ensures the right to dispute inaccuracies and request an investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Mandates the removal of unverifiable information not validated by the original creditor. 
XXXX. 15 U.S. Code 1681e ( b ) : Requires that procedures for including information in credit reports ensure maximum possible accuracy. 
Despite my dispute request, TransUnion has failed to conduct a thorough investigation or resolve these discrepancies within the XXXX timeframe required by the FCRA. As a result, inaccurate information continues to negatively impact my creditworthiness. 
I also emphasized that, as per 15 U.S. Code 1681i, any unverifiable information should be removed immediately from my credit report within the mandated XXXX period. Additionally, 15 U.S. Code 1681s-2 holds furnishers of information accountable for investigating and correcting any inaccuracies upon receiving notice of a dispute. 
Additional Information : Please find attached relevant documents, including my credit report and any supporting evidence for your review. 
I respectfully request that you investigate these discrepancies, correct any inaccuracies, and remove any unverifiable information from my credit report in compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. 

Sincerely,
Product: Mortgage

We are trying to payoff a mortgage with Cross Country Mortgage and have been trying to do so for an entire month. The interest rate is very high. The mortgagee was my husband and he passed away. We have the new company who are ready to pay the mortgage off. The mortgage has a second loan which was created during the pandemic of XXXX. The new mortgage company has requested that Cross Country send the modification agreement to clarify the XXXX. Cross Country has stalled this process causing another payoff statement to be requested. We pay this company religiously and the rate were now paying is 6.5 % z We have a much lower rate secured. Our new lender has tried everything to get this information and so have we. This causes us to remain in loan with a very high rate. Please help us to get out of this high rate mortgage. While this is occurring, the payments are still being made. My income is minimal and I need relief from this loan.
Product: Bank account or service

HSBC is continuing to initiate monthly transfers from my banking account after I closed my HSBC online savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions Negative Accounts XXXX XXXX XXXX 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  TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/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

No resolution to a incorrect item on credit report. I am concerned about the validity and accuracy of your investigation of the account with XXXX XXXX XXXX account XXXX. Last month a requested an investigation because the items were not reported accurately on my credit report. I received feedback from you stating that an investigation was completed. your investigation did not outline nor explain who, how, where you obtained your informaiton. What documents did you received to conclude your investigation, and who did you talk to? Please provide a complete copy of all the information you obtained to concluded that your investigation has proof that these items are correct. FCRA guidelines states. my right to know how you verified itms on my credit report or a fine many be assessed up to {$1000.00}. Delete these items as soon as possible or obtain documentation to prove your investigation.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It has XXXX dollars. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after 180 days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed an account from XX/XX/2020, from First Heritage Credit, stating I had a balance of {$150.00} past due when the account was paid in full on XX/XX/2020. I contacted the credit company, and she stated she would make the credit reporting company know about the issue. It yet has been updated. This issue looks very bad on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX  and XXXX  credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. 


Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX  credit report, which is indeed a violation, since each bureau should mirror one another. 


Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX  is being reported to XXXX, XXXX  and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. 


Finally, There is an account listed on my XXXX  credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX  and the representative stated that she was unable to remove the account, and I had to dispute it.
Product: Mortgage

I am seeking remedy and compensation for my previous home at XXXX XXXX XXXX XXXX, FL. XXXX, from Wells Fargo {$2.00} XXXX dollar settlement under Consumer Financial Protection Bureau. 

I had applied for a loan modification for my home with XXXX XXXX XXXX and Wells Fargo Bank and was denied. My attorney filed a complaint with Consumer Financial Protection Bureau, which is the attachment provided. I am a consumer that was harmed by Wells Fargo Bank for illegal activity and wrongful foreclosure of an auction sale of my previous property on XX/XX/2019. 

Please review my compliant, because I think I am eligible for a payment in the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA laws, any time identity theft is reported, the unauthorized accounts are to be removed. This is now my 3rd time submitting a complaint. I feel like I am purposely being ignored and stalled. I will be filing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting incorrect information on my credit report to Equifax and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.
Product: Money transfers

Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

( No subject ) [ Draft ] This message hasn't been sent.

Saved on : Mon XX/XX/2022 XXXX AM This Credit Bureau systems has never contacted me. The only reason I'm aware of their existence is because they are continuously reporting this to the credit bureaus. I have tried to fight some on my credit report but they remove it then it shows back up. I never received a bill from the original company. How can I pay something I never even received a bill? 

Debt collectors must speak to my by phone or in person about the debt or mail a letter or electronic communications about the debt and wait for a reasonable amount of time ( usually 14 days ) to ensure it was delivered before reporting anything to credit reporting companies. This never happened. I never received anything, you can not just ruin someone's credit when you don't give them a chance to pay! This is deceptive, I don't know the amount I owe cause I never got the bill! I believe they are trying to claim way more than what I should owe. The debt collection company has to provide me with Name and mailing information of the debt collector Name of the creditor whom the debt is owed Account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, called the itemization date. 

The current amount of the debt as of when the validation notice is provided. 

Information about your debt collection rights including how to dispute the debt I never received any statements or bills.
Product: Vehicle loan or lease

My family has been affected by COVID-19, and I am taking responsibility of taking care of family members who are out of work. In trying to defer my car payment for the month of XXXX, CapitalOne has decided to not waive the interest fee on the car loan. This is a complete disgrace and shows that these big companies do not care about middle classed individuals during this crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, ( XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

Hard credit inquires were removed from my TransUnion credit report without notification by email, telephone or standard mail and placed back on my credit report without any notification ( example email, telephone or standard mail ). This caused an adverse affect to my credit score. Please notify me of the steps I need to take in order to get this matter taken care of. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( Capital One, XXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( Capital One, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX student at XXXX University ( online ).
Product: Student loan

I attended the XXXX XXXX XXXX XXXX from XXXX, and was misled by the school and forced to take a private student loan through Sallie Mae because they lied to me and told me my federal loan was all used up. The school has since been closed due to lawsuits against it and its parent company for many illegal practices which I was named a victim of. The Biden Administration just wiped out my federal loans because of this, and right now I am struggling with a wage garnishment for the private loan that was illegally forced on me while attending that school which is causing financial hardship and I should not have to pay. When I went in to the school office to go over my federal loans for the next year the person who was helping me seemed very off, she was very nervous, shifty, and really wanted me in and out of that office. She told me that in order for me to continue my education I had to take a private student loan through Sallie Mae as my federal loans were gone. She didnt give me any other option, would not explain why and basically forced me to sign the agreement with Sallie Mae . She gave no other options, just told me that unless I wanted to be kicked out and not get my degree I had to take that loan and nothing else. It seemed very wrong at the time but I was afraid Id be kicked out of the school like she said if I didnt take the private loan. Now I have a degree that isnt worth anything because of the schools misconduct, as the school backed out on everything they promised us as students, lied to us about numbers and jobs, etc. Im now in a financial hardship over a student loan I shouldnt have had in the first place and was forced/manipulated into by illegal means. I should not have to pay it and if possible should get back some of the money I had paid and was forcefully taken out of my paycheck as garnishment.
Product: Money transfer, virtual currency, or money service

I am writing 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Debt collection

Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.
Product: Debt collection

This refers to several complaints to CFPB to which the company has given evasive responses, last of which was dated XX/XX/2021. 
The company not only had an obligation but also a legal duty to disclose the visitor policy. In fact, the company has now admitted that they did not disclose the visitor policy. Visitor policy is a " material fact '' that the creditor was required by California fraud law to disclose. Merely stating that they had " no obligation to disclose the visitor policy '' does absolve the company in any way. The company has " failed to disclose material facts '' and therefore committed fraud under California law. In its last response, the company has admitted that it committed fraud.
Product: Payday loan, title loan, or personal loan

This company has placed this large debt {$2500.00} on all three of my credit reports, I have disputed this account serval times threw the credit bureaus but no luck, I don't know how this is sticking and I'm clearly saying it's fradulent amounts and charges.so finally the company reached out to me because of a complaint I submitted threw the XXXX. because they never responded and never formally provide me information about this loan I supposedly borrowed. They sent a copy of the original loan contract, I didn't recognize this checking account number, clearly I have been a victim of identity theift. this company even ran my credit with out my permission. The origanal date of loan was XXXX for {$1200.00} but on my credit report states the loan open date is, XX/XX/2020, and the owed original amount is {$2500.00}, now that's double what the original loan was. I'm asking for help because I don't have any knowledge about this account, I found out about account after it was on my credit report. I feel like I was robbed out of the legal way to dispute this transaction, because this company never notify me of this loan properly.