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

please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX
Product: Debt collection

Conserve is reporting a debt on my credit for {$130.00}. I sent a certified letter, on XX/XX/2022 asking for documentation and validation of the debt. They have not responded to date ( XX/XX/2022 ).
Product: Money transfer, virtual currency, or money service

I am formally expressing 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried submitting disputes org XXXX about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
XXXX  makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting

Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.
Product: Mortgage

We secured an assumed loan in XXXX XXXX through Greentree Lending Services and have made payments ever since. The loan was to be fully amortized through XXXX XXXX. Greentree has since been absorbed by Ditech Financial. Ditech claims the loan matured in XXXX of XXXX and they have been calling on the phone at least weekly saying we are past due and need to submit the balance. We have continued make the monthly payment and have only 7 payments left. We have submitted the original paperwork to Ditech, but they have failed to respond. Just more calls every few days. Some have said just continue to make payments, others demanded the loan in full. I have asked over and over again to have someone call about the note, but no one has, only their collections department. We feel they are abusing us and that they are about to turn derogatory information into the credit bureau. We need to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact  XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.
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 correct XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX  XXXXXXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) DEPTEDXXXX XXXXXXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$21000.00}
Product: Debt collection

Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b  ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and TransUnion have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights. 
XXXX ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom it concern, Navy Federal Credit union has violated dodd frank act by preventing access to comsumer accounts for delinquency payments on credit card and personal loan which has caussed my account to be in the netgative. However Navy Federal Credit Union has been reporting late payment to the credit bureau as 30/90/ days pass due, also show that the accounts been closed. 

Under section SS169 ( a ) prevents this ( 15 USC 166 ( h ) Bank can not offset credit card debt with funds in your bank account As the act states, your credit card issuer may not take any action to offset the debt you have on the credit card with funds you have on deposit with the bank. I ask that your agency please look into the matter. 

Thank you
Product: Credit reporting or other personal consumer reports

the file was under investigation about a year ago and I disputed it again becuase the file failed to check an address assoviated that is not mine they even told me when I called that no we have no information how ever they keep reporting so I thionk are they playing or they do not understand me as they hardly spoke english i dispute as I do not recognize or have accepted that this is my debt as I do not understand why the credit agencies is reporting it when I know the other credit agencies are not all accounts no 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
Product: Student loan

I took out a private student loan through Navient ( Salle Mae ) in 2008 to pay for XXXX  school at XXXX XXXX XXXX XXXX ( sit for the CA State Bar ). I was fraudulently admitted to XXXX XXXX XXXX XXXX ( I lacked XXXX  credits at the time ), paid for four years of school and the school was closed due to the improprieties of the dean. I initially sought counsel, but was told I shouldn't throw good money after bad because I would never collect from the Dean. The units are worthless as I have not been able to transfer any units, so I have been paying on this loan for years for nothing. At one point, I had trouble paying my loan and Navient forced me into a forbearance, which added another $ XXXX or so to my loan. shortly before Covid broke, I reached out to Navient in attempt to resolve my issues. Basically, they gave me the XXXX. I was furloughed due to Covid and they REFUSED to modify my loan in any fashion. The only student loans XXXX XXXX XXXX XXXX offered were private loans. I wish I had known then what I know now. Private student loans seem to be the only financial service where there is no risk for the lender. Navient must be run by a group of lackeys that can't hack it in the real world, while collecting millions in compensation. I am not aware of any financial institution where the lender will not work with the consumer, especially in unique cases of fraud, job loss, etc. I have an Amicus Curiae letter drafted that will be circulated to the XXXX XXXX in your pending lawsuit against Navient.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase on XXXX on XX/XX/24 and I financed the purchase through Affirm on the XXXX website. The total purchase was for {$2500.00}, I paid part of the order using my debit card and {$1500.00} was financed through Affirm with a {$280.00} financing charge for a total due of {$1700.00}. I ended up returning two beds that were purchased in the order to XXXX and my account with XXXX reflects that a refund for the first bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24 and a refund for the second bed in the amount of {$130.00} was processed and sent to Affirm on XX/XX/24. Since that time, I have not been credited the return amount of {$260.00}. I have called, emailed and chatted online with both XXXX and Affirm roughly 10 times each regarding this return. XXXX has advised that the return shows on their end and the initial refunds were denied by Affirm. They then requested Affirm to manually process the returns, which has not been done. I was also advised by XXXX to dispute the transaction with my bank for the {$260.00} ( I did but it was denied by XXXX as I still have a pending balance with Affirm ). I have sent Affirm proof of the return on XX/XX/24. I received two emails on XX/XX/24 and XX/XX/24 back from Affirm closing my dispute saying that I was disputing the entire loan, which I was not. I have reached out multiple times since then and was told I would receive an email within 3-5 business days with nothing received. I have been assigned multiple case numbers by Affirm and multiple incident numbers by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Auto XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Sys # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 account without my written instructions.
Product: Debt collection

I am not liable for this debt with midland credit managemen. I do not have a contract with credit collection service. They did not provide me with the original contract as requested multiple times. Pursuant to 18 usc 8. I owe no debt this company is violating my consumer right to privacy pursuant to 15 usc 1681b 2. Company has also No permission to report anything using my information to pursuant to 15vsc 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting inaccurate information on my consumer report. There are several non mailable addresses on my consumer report. My name is also misspelled several times. 

My name is XXXX XXXX remove any other name it is NOT mine. 

My address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove any other address it is not mine. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Hello XXXX, I noticed today that I have unauthorized accounts on my credit report. I became aware today that I was impacted by the XXXX XXXX XXXX. I am in the process of needing another car and this is hindering me. I would like for the following accounts to be removed from my credit reports with XXXX, XXXX and Experian. XXXX XXXX account XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX account XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.