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

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.XXXX  XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4XXXX XXXX falls under XXXX XXXX medical act paid in full. 

5 XXXX XXXX XXXX purging and re-aging the account. Account being paid as agreed.
Product: Credit reporting or other personal consumer reports

I have requested Equifax place a security freeze on my credit report and they refuse to do so. I have submitted requested information 3 times and today I received another request for the same previously submitted documentation. I have made 2 complaints to your agency and they have refused to answer respond or act on those as well. 
They are willfully disregarding federal law and placing my credit and identity at risk. The prior complaints that the CFPB has provided Equifax with notifications is also being ignored.
Product: Debt collection

XXXX/XXXX/Checkredi companies claim that while I got a new debit card for use with my new bank account ; I mistakenly kept using the old card tied to the closed bank account. Thus the debit card transactions were rejected by the old bank. 
While this may be true, they have not given me sufficient information to confirm. The account numbers on the receipts do not match the card numbers. 

2 charges in XX/XX/XXXX & XXXX, XXXX : {$14.00} and {$17.00} = {$31.00} total. 
XXXX/XXXX/Checkredi want me to pay a penalty of {$30.00} each or {$91.00} total on a {$31.00} bill. That seems a bit excessive. Furthermore, they waited 5 days before notifying me of the problem - increasing the chances for further transactions and punishing fees. 

I received 2 emails ( one for each charge ) from XXXX/XXXX/Checkredi on XX/XX/XXXX ( 5 days after the first offending charge ). This indicates that they bundle charges together ( delay ) before notifying the customer. The more they delay, the greater the chance to collect yet another {$30.00} fee. 

My records indicate that I kept the correct card and crossed-out the old card information. Checkredi Account # XXXX
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX veteran not being helped with XXXX loan forgiveness. Tried numerous times during XXXX 2021-present date XX/XX/2021. 

I am not getting the help or service I need answered or correctly handled
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX, and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Debt collection

I was terminated from XXXX XXXX XXXX last year ( XXXX ) and entered into a relocation reimbursement contract with them before my termination to open a new store on their behalf. In the contract I signed, it states I would have to pay the amount back for my move back to XXXX if : a ) I terminate my employment with XXXX, or b ) XXXX terminates my employment for " Gross Misconduct ''. 

I have supporting documents attached from XXXX Human Resources department explicitly stating I was not terminated for " Gross Misconduct ''. I also have attached emails from other departments in XXXX ignoring my replies to this complaint. XXXX sent this to a collection agency ( attorney office of Caine and Weiner ) after my dispute with no resolution. When I first received notice from Caie and Weiner, I mailed their office a letter disputing this debt, but am still receiving numerous calls and emails trying to collect from me. This has also severely affected my credit score and I do not have the funds to hire an attorney to resolve this matter. 

The amount attempted to collect : {$7500.00} Collector : Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Attn : XXXX XXXX File # XXXX Please find the supporting documents attached to this complaint.
Product: Credit card or prepaid card

XX/XX/23 I went to make payment on my credit card and noticed that my credit limit had been reduced from {$8000.00} to {$4200.00}, which was very close to the balance that was on the card. I attempted to reach out to a customer service representative via chat and informed them I was recently released from being hospitalized for 3 weeks from a motorcycle accident. I was informed to call the customer service, which I called twice and was hung up on.
Product: Mortgage

My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. 
They have stated that I have gotten 3 modifications and that is not true. 
If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. 
XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account Ending # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : 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: Debt collection

In XX/XX/XXXXXXXX XXXX  I financed a bed from a furniture store in XXXX texas. I made a settlement agreement with American First Finance in XX/XX/XXXX XXXX  for two payments of XXXX and that would close my account as paid in full. I have receipts of the money being debited out of my account in XXXX XXXXFor the last four months I have been receiving text and emails stating I was due for payments and past due then i started getting emails and texts that my account will be put in Charge off status. Me thinking it was car payment company I kept paying amt of XXXX then on XXXX I received a text message again spoke to rep XXXX who stated I did owe XXXX dollars after a brief back and forth I stated my car note is not that much money a month she stated it was my car its the bed i purchased. i told her I paid it off back in XXXX XXXX had no record that I explained to her I have bank statements proving my payments now you need to investigate my account and so she did and she found the agreement but stated it was done the wrong way in system which i did not understand. I was told my complaint and error would be escalated to the credit department and the calls and emails would stop but they have not I had to call again today to get same information told to me as the day before. I am frustrated upset because this has been reported on my credit negatively for four months Credit is crucial in the world now I do not need any one else messing it up for their mistakes not my own. Please investigate this company thoroughly. I am struggling as it is. I don't need the harassment calls and emails and fraudulent activity in my life. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item with XXXX XXXX in the amount of {$4800.00} is reporting on my credit report. I sent validation to XXXX XXXX  no response. The company that used XXXX called XXXX. XXXX has closed down. I received documentation a a while back from company which states vehicle was in another person 's name. I threatened to take XXXX XXXX to court and they provided me with this documentation I have. The credit bureaus has stated it was verified. I did not receive any documentation from the credit bureau nor XXXX XXXX for this debt supposedly owed. I have attached a contract that is NOT in my name. XXXX XXXX is a fraud company.
Product: Mortgage

My wife and I were shopping for a HELOC for home improvements and we came across Citizens Bank. I filled out a pre approval form and nothing generated ( XX/XX/XXXX ). I received an email from a loan originator XXXX XXXX looking to assist in the application ( XX/XX/XXXX ). After a couple emails back and forth and learning would qualify for their Goal Builder HELOC product with a maximum amount of {$25000.00}. She did say Citizens has a 6 month ownership requirement but she can get an exception ( this is in writing from her ) ( XX/XX/XXXX ) and she also sent us an application to complete which we did the same day. We received a conditional approval on XX/XX/XXXX and was pending a drive by appraisal. One of her colleagues called me on XX/XX/XXXX to let me know that she was waiting on the appraisal and we should hear back by Thursday and to close by next week.

I received a call today XX/XX/XXXX from XXXX saying that the HELOC was coming back as a decline due to the home ownership minimum requirement and that she couldn't get an exception now due to our credit scores being below the minimum to get an exception. She said that she was unaware of this supposedly or she wouldn't have had me apply. I would have never applied or had a hard credit pull if I knew the exception couldn't be made. This is a blatant deceptive sales practice in order for this originator to garner an application and should know her products her bank offers. I was also forced to open a checking account online after being told the loan was conditionally approved.
Product: Credit card or prepaid card

I was pretty surprised to see a late payment reporting for me from XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement never got to me.
Product: Debt collection

I contacted Online Information Services on XX/XX/year>, at approximately XXXX XXXX. I recently learned of a debt on my credit report. My divorce was final 3 months ago, and this collection from Online Information Services is for electricity used by my ex-husband, after I left the home. The debt is {$610.00}, but they are asking for {$950.00} siting fees. I agreed to pay their over {$300.00} in fees, and asked for a letter of deletion to remove the collection from my credit report. I was trying to offer them copies of the legal documentation that states, the house belongs to my ex-husband, however under Texas law, you can not terminate utilities while you are separated, and the utilities were in my name. All you can do legally is ask the spouse to put them in their own name. My ex-husband didn't do that until the utility company shut it off for nonpayment, apparently. 

I'm absolutely willing to pay the debt, but need it deleted from my report. My initial interaction was with a gentleman named XXXX, who was very friendly, and transferred me to his XXXX, XXXX. XXXX was rude, unprofessional, unwilling to discuss this with me, and laughed at me for trying to resolve this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing you this statement to delete the following information on my credit. The items I need deleted are listed in the report. I am a victim of identity thief. I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Charge Off : XX/XX/year> Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

It has been XXXX weeks since Equifax learned of a massive data breach. My data was among that potentially stolen. My state requires expeditious notification in the event of a data breach ( XXXX XXXX XXXX ), yet I have yet to receive any direct communication from Equifax. Further, my only recourse at this point is to freeze my credit file, a service the company CHARGES FOR! Equifax failed in its security obligations, failed in its notification obligations, and now seeks to profit off a disaster of its own creation. 

Please use whatever authority at your disposal to force Equifax to freeze credit for those affected, AT NO CHARGE. I would also encourage you to push for free credit monitoring FOR LIFE. Roughly half the adult population in the US was affected. A year of credit monitoring is an insult. 

Further, please encourage the Congress to look into instituting a National ID with multiple levels of authentication so we can finally move away from using SSNs for everything. 

Lastly, this industry should charge its fees on the inquiry side. Consumers should have year-round access to their credit profiles, and convenient dispute mechanisms. My credit report is full on inquiries from companies seeking to sell me services. They are the ones that should be paying, not me. 

Thank you
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle many times and reporting the discrepancies, my financial institution and Zelle refused to investigate my claims adequately. They informed me that recovering lost funds was near impossible and that tracking these funds was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit system, leaving users vulnerable to scams. The lack of transparency and accountability raises is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my XXXX report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Product: Credit reporting or other personal consumer reports

Filed a complaint with XXXX after reviewing false information place on my credit report. XXXX did an investigation stating I owed a debt that was reported by L.J. Ross & Associates XX/XX/XXXX. The debt owed was closed out by the original Creditor in XXXX. I filed a 2nd complaint with XXXX and send a letter to L.J. Ross & Associates requesting removal of this information. L.J. Ross & Associates did not reply. 

XXXX requested my social-security # and DL # to be sent to verify I haven't live at address of owed debt since XXXX. I sent this information certified mail XX/XX/XXXX. XXXX did not reply and closed out the account as owing this debt. 
L.J. Ross & Associates ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, MI XXXX Date of Inquiry XX/XX/XXXX XXXX Charge off Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : Requested verification of collection account from XXXX. Transunions XX/XX/XXXX responded with account has been verified by the XXXX. 
I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXX. App. XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ). When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in Spears v Brennan. 
I forwarded this information to Transunion and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX  ''. My recent credit report from Transunion still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Product: Debt collection

I was taken by ambulance to the emergency room at XXXX XXXX hospital in XX/XX/XXXX with XXXX   XXXX XXXX from a XXXX to do my XXXX XXXX. I was sent directly to the XXXX XXXX. the dr. claiming this bill / never sent me a bill to my address until XX/XX/XXXX claiming it was still owed. all bills were sent to the XXXX XXXX va. billing dept. with a pre approved authorization # and all drs. agreed to be paided by the va. its not my fault XXXX. XXXX XXXX did not submit his billing in a timely matter to his agreement to be paid by the va. since I am a XXXX vet with a hardship below the poverty statis. and I made clear to all drs. who treated me that I could not pay these bills and I even asked to be transferred to the va.to see my own drs. and they told me the va. agreed I should not be moved. this is an ongoing habit at XXXX XXXX hospital of not hearing what the patience is saying to them and XXXX. XXXX XXXX put this bill against my credit report without notifing me first in fact its been on my credit report for some time now. I was also contacted by the billing dept at XXXX XXXX and they said I fell under the hardship forgivness program. if you can help me with this complaint im complaining about. XXXX XXXX XXXX phone # XXXX XXXX XXXX acct # XXXX
Product: Bank account or service

I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.