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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt or credit management

My name is XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX, I had XXXX XXXX XXXX XXXX that put us in a position where we had to consolidate our debts into one company and get things back in shape, We started out paying {$460.00} per month in XX/XX/XXXX, in XX/XX/XXXX they change names and proceeded to let us know that the payments to them will change, from {$50.00} some dollars per month to another pay schedule, we have tried to contact them for over a year, we started with Infiniti Law, my Attorney was Infinite money Services Attorney in XXXX, XXXX I have her cell #, she advised mentioned some legal help and she is no longer with the company, I have card my creditors like XXXX  XXXX, they said they were paid {$15.00} x XXXX {$75.00} on almost {$2000.00}, they have giving us another card and advised us to ge a hold of our Florida Staye Attorney XXXX  XXXX thats why im communicating to you from XXXX  office advisor, I have called XXXX  of times and sent numerous emails with no responses, Im gon na send you some email that maybe can be explained, no one else seems to be able to. 
Thank You for being there! 
XXXX
Product: Credit card or prepaid card

XXXX XXXX and XXXX XXXX refuse to close my CC account. I have asked them to close it 71 times but it stays open and reports on my credit bureau as open causing my bank to keep asking why the account remains open. My credit card agreement says I can close at anytime but HSBC refuses. This is causing problems for me. I have asked them to call me hundreds of times but they wont. HSBC call center says they can not close the account and it could take years. HSBC told me to drive 280 miles to the nearest HSBC branch and close it and thats the only way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Product: Mortgage

I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
XXXX. I haven't received a bill, via paper or email since day XXXX even though I've made several requests. 
XXXX. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
XXXX. I have requested a full audit of my account several times with no response. 
XXXX. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
XXXX. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.
Product: Consumer Loan

In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED '' The following companies have violated my rights : 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account, personal loan, etc under an open-end consumer credit plan as late for any reason or purpose.
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 CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claimed adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The cFPDs findings that Zelle has not only neglected to protect the 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 users safety.
Product: Credit reporting or other personal consumer reports

I contacted the mortgage company on XX/XX/2024, to make a payment because the online portal wasn't allowing me to. The representative informed me that the title company had requested a payoff quote, which included the XXXX payment, so no payment was necessary for that month. 

However, when the title company paid off the loan on XX/XX/XXXX, the mortgage company marked my XXXX payment as late. I contacted the mortgage company and asked them to review the recording, as I had tried to make a payment for XXXX. They said they would review the recording and provide an outcome. 

Despite this, they sent me a letter stating that since the XXXX payment was made on XX/XX/XXXX, they are reporting a late payment for XXXX. They also marked me late for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing Charge off bad debt wage earner plan XXXX XXXX when i explain for over 2mths im not im in a XXXX XXXX
Product: Debt collection

XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.
Product: Credit reporting or other personal consumer reports

Within the last 8 months credit score has been decreasing and my payments from each credit card has been paid on time and or twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOME THIS MAY CONCERN, AFTER SEVERAL ATTEMPTS TO RECTIFY THIS PROBLEM MY DISPUTE IS WITH ALL CREDIT REPORTING AGENCIES FOR LESS THEN SUFFICIENT EVIDENCE TO REPORT ANY OR ALL INFORMATION ON MY REPORT. 
NOTE : BECAUSE OF THE LEGAL ABILITY, DO TO CONTRACTS, A FURNISHER OF DEBT INFORMATION SHOULD HAVE ALL FACTS TO PROVE THEIR STANDING AS A HOLDER OF SAID DEBT. 
FAIR CREDIT ACT STATES : THE CONSUMERS ARE ENTITLED TO PROOF THAT THEY OWE MONEY. 
COLLECTORS MUST DOCUMENT A CLAIM WITH A COPY OF AN UNPAID BILL OR OTHER EVIDENCE OF A PAYMENT VIOLATION. 
( IN THIS CASE, THE HISTORY THAT ALL DEBTORS DOCUMENTS THAT PROVE THIER STANDING ) AFTER SEVERAL MONTHS OBSERVING THIS, MY SCORE HAS DIPPED OVER 250 POINTS IN THE LAST YEAR DISPITE MY EFFORTS TO DISPUTE THE VALIDITY OF MY REPORT. 
ON MY LAST DISPUTE THE RESPONSE FROM TRANSUNION STATED " THAT MY CREDIT HISTORY WAS UNAVAILABLE ". HOWEVER THIER REPORT REFLECTS THAT I HAVE DEBT, THIS IS NOT POSSIBLE. 
IF THERE IS A DEBT, THERE IS A HISTORY. 
SO TO BE FAIR MY REPORT HAS TO SHOW ALL THINGS TO NOT ONLY BE FAIR BUT REFLECT THE IMPORTANT DATA THAT RESULTED IN ANY DEBT OWED. 
IN EITHER CASE THAT MEANS THAT ALL CATEGORIES THAT AFFECTS MY SCORE SHOULD SHOW ON MY REPORT IN ORDER TO GIVE A COMPLETE ACCOUNT AS TO MY CREDIT WORTHINESS. 
ANY INFORMATION THAT IS NOT PROVIDED AS PROOF THEN SHOULD BE CALLED TO QUESTION AND IF NOT PROVEN SHOULD NOT BE PRESENTED. 
LEGALLY A CONTRACT BOUNDS MY WORD TO PAY A DEBT, THAT GIVES A DEBTOR THE ABILITY TO GET COMPENSATION THROUGH LEGAL MEANS, SO THAT GIVES ME THE RIGHT TO BE FURNISHED WITH ALL FACTS PERTAINING TO MY REPORT. 
THE REPORT SHOWN THEN IN THIS CASE CAN NOT BE MINE AND THEREFORE IS A FRAUDULENT ACCOUNT OF MY HISTORY AND SHOULD BE THOROUGHLY INVESTIGATED. 
NOTE : IF MY REPORT REFLECTS DEBT IT HAS TO HAVE A FULL HISTORY OF ACCOUNTS ( TRANSUNION RESPONSE TO MY LAST DISPUTE WAS, '' THERE WAS NOT ENOUGH INFORMATION AVAILABLE " ) HOWEVER MY REPORT HAS A SCORE AND DEBT, IS THAT POSSIBLE WHEN THE FACTORS THAT MAKES A SCORE ARE NOT PRESENT?
Product: Credit reporting or other personal consumer reports

I checked my credit and noticed an XXXX XXXX XXXX I did not apply for and called the company and told them about it and come to find out the card was mailed to XXXX  which I have never been to and come to find out the charged items at a XXXX XXXX up there and now the credit card is over the limit and is on my credit report which has messed me up from buying a house for right now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates in XX/XX/17, XX/XX/17, and XX/XX/17 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries  on 2 occas ions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Yes hello this is regards of credit not reporting nor it not showing payments in the system besides flagship credit acceptance end.They have not been reporting their credit to the credit bureau as stated. Flagship credit acceptance customer service been promising me for the past 5 months that my credit will be resolved and it hasnt they said I would received a letter regarding why it hasnt been updating as spoken an I still have not received no information nor email as promised, they have not solve my case, I am upset for the promises that flagship has promised it has not came to truth. I am dissatisfied as customer for the fact that it not even showing up in the system for XXXX, XXXX XXXX  or XXXX for 5 months going into my XXXX month, I am loyal customer thats been paying everything in timely manner but now I am depending to even pay for this month for the fact that It hasnt not been fixed, they said this issue will resolve in XXXX business days that date was XX/XX/23 it been way surpass, I would want some sorta incentive for the fact that of the inconvenience I will making dispute every single day until this is fixed. As stated an there actions as customer we do not need to report to the credit bureau its just an incentive for the customers reviews on XXXX for flagship credit acceptance with same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Equifax has failed or refused to send me investigation results. Equifax has also refused or failed to delete information that I have provided proof of documentation as being incorrect. 

The Fair Credit Reporting Act requires Equifax to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Equifax has not provided me with their addresses. If they do not exist, Equifax has no way of contacting them either, and the deletion of these tradelines should have happened months ago. 

Equifax is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Equifax 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Equifax provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Equifax has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Equifax has received my disputes and 609 disclosure demand, and I have proof of it. 

It appears that Equifax HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.
Product: Credit reporting or other personal consumer reports

Experian refuses to investigate and process dispute information that I have initiated keeps sending a canned response see attached. I have tried to contact with no resolution email comes from a non monitored email address. There is no possible way to get them to complete the dispute investigation therefore violating my consumer rights
Product: Debt collection

SPRING OAKS CAPITAL LLC. XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts were a result of identity theft and neither company has sent documentation to validate this debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I am not liable for this debt with ProCollect Inc. I do not have a contract with ProCollect Inc. They did NOT provide me with the original contract copy as I requested. I have sent this company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded/registered and or insured to collect in the state of Illinois ( IL ). Please have this company cease all collection activities this is my last attempt to complain outside of court.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud. My data has been breached which has caused me to have negative reports on my credit.
Product: Checking or savings account

Dear CFPB, I have had both personal and business accounts with Wells Fargo. Over 8 years ago, I had my named and association removed from the business accounts after I sold my business. These accounts appeared again on my WF online dashboard a couple of years later and I again, went to a local WF branch and had my name removed from these business accounts.

About 5 months ago, I closed my personal accounts with WF and was told that I still have business accounts with WF. Even though I was the one who created the business accounts and added a business partner later to the account, I was told it was their " policy '' is that only the business partner could remove my name. Again, I had previously had my name removed two times before. I contacted my former business partner and he was told by another WF branch that my name is not on the account, even though I was shown a screen at another WF branch that showed my name still on the accounts. By all evidence, my name has never been removed from these business accounts by WF.

After closing my personal accounts 5 months ago, I just received a change of address notice from WF stating that my address has been updated on my personal savings and checking accounts. I closed these personal WF accounts and now like the business accounts WF continues to associate my name with accounts that I have previously closed.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXXne of the four major credit reporting agencies. I recently disputed a false charge of ( {$750.00} ) and ( {$430.00} ) from US Department of Education listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.