23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : 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.
Product: Credit reporting

I CALLED MANY MONTHS AGO TO HAVE A COPY OF MY CREDIT REPORT SENT TO MY HOUSE BECAUS I WAS DECLINED A BANK ACCOUNT DUE TO XXXX REPORTS. I WANTED TO SEE WHAT WAS ON THE REPORTS THAT HINDERED ME. I HAVE CALLED TO NO AVAIL MULITPLE TIMES AND STILL NO REPORT HAS MADE ITS WAY TO ME. NEXT STEP IS A LAWSUIT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. PLEASE HANDLETHIS PROMPTLY! MY NAME IS XXXX XXXX D0B XX/XX/XXXX AND THE LAST FOUR OF MY SOCIAL ARE XXXX. IF YOU HAVE ANY QUESTIONS PLEASE CALL ME T XXXX.
Product: Credit reporting or other personal consumer reports

Dear, Equifax I am writing to dispute the reporting of inaccurate late payments on my credit file Acccount # ( XXXX ) for the dates of XX/XX/XXXX and XX/XX/XXXX. These entries are incorrect, and I request you investigate this matter and update these alleged late payments to an on-time status in the payment history. 
As part of this dispute, I demand that Equifax provide the method of validation used, including all correspondences with any parties who claimed to validate these alleged late payments. This should describe the procedure Equifax used to validate the accuracy and completeness of the information being reported. Please provide the names, positions, work phone numbers, work addresses of individuals who were involved in this validation process. Thank you for your attention to this important matter. I expect a response within the mandated 15 day period per the FCRA, beginning upon your receipt of this dispute.
Product: Money transfer, virtual currency, or money service

I received a payment from XXXX XXXX XXXX XXXXXXXX into my wellsfargo account and they locked my account because of that. Ive called and visited the bank and they said theyll have to close my account to mail me a check initially but they didnt. Another time this woman that picked up the phone said its with Georgia unclaimed funds and I Cant seem to understand why the payment was sent there, perhaps they should have returned it to the agency if they couldnt verify it cos thats what I was told initially when the payment came in. They said they wanted to verify it from the sender before releasing the payment but the sender didnt respond and thats why they put it on hold till they closed my account. Ive contacted Georgia unclaimed funds and nothing was found either in my name or in the name of my fianc that own the house. 

He ( my fianc : currently XXXX ; XXXX XXXX XXXX ) has contacted the agency ( XXXX  ) and they said the payment was never returned from wellsfargo that until it is returned that they cant reissue it to him The total amount was about {$41000.00} on XX/XX/2022 {$1200.00} {$18000.00} {$22000.00} XXXX {$41000.00} Since my account has been closed at wellsfargo, please return the payment to the agency that sent it ( XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX  in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to XXXX  acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

I sent a dispute letter to American Credit Acceptance on XX/XX/2022 and they received and signed for it on XX/XX/2022. I just recently received a letter from them in regards to my dispute. The letter stated that they could not locate anything under my name, which was provided in the first letter and requesting that I provide them with the information to basically do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filing a complaint against : Trans Union Credit Bureau, XXXX. XXXX XXXX, XXXX, PA, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both TransUnion and XXXX XXXX XXXX XXXX. 

What am I looking for you might ask? Information showing when I received this late payment. 

Not only have they ( XXXX XXXX XXXX XXXX ) failed to furnish me with any information or statements they ( XXXX XXXX XXXX XXXX ) continue to put remarks on my credit file via TransUnion Credit Bureau. I have sent several certified registered letters to them asking for evidence of this late payment. They ( Trans Union ) have only said to me that they have as per my credit report XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX ( XXXX ) XXXX description : XXXX Verified as accurate as of XX/XX/XXXX. So, how can that be, because I still have not received any information from XXXX of proof or Trans Union for that matter. 

Verified : The collection agency or creditor may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a creditor or debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent TransUnion Credit Bureau information about the company in question. TransUnion has not been forth coming either, saying that they have spoken with and validated the information to be true. Yet, I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. I have been trying to get to the bottom of this matte for over a year now. 

Thank you Reference to : XXXX XXXX XXXX XXXX Closed Account showing late payment from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Immediate Removal of Unverified Charge-Off Account from Credit Report Dear CFPB Representative, I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : CXXXX Account XXXX : XXXX Status : Charged off with a balance of {$1500.00} ( now reporting {$0.00} balance ) On XX/XX/year>, I sent a certified mail request to XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe. 

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported.

2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected. 
3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.
Product: Payday loan, title loan, or personal loan

I requested a full history of my payment since i brought the car. I don't understand the interest, principle and how its working. I spoke to someone over the phone a few months ago and they were trying to make sense of it to me. I still wasn't understanding the calculation. I went into the dealership where i brought the car and they looked at the information i had and said they could not figure out how the company is computing the amounts
Product: Credit card or prepaid card

On or about XX/XX/XXXX I was advised by Citi ( bank? ) that my Diamond Preferred Citi Master Card ( # XXXX XXXX XXXX XXXX in my name , XXXX XXXX XXXX ) was in late pay status by several days, I believe four or five. I was asked if I wished to make the late payment at that time directly from my bank, XXXX XXXX XXXX XXXX XXXX. I replied absolutely in that I was unaware that they payment had not been made. I also authorized the that the next payment that would be coming due shortly be made. Each payment was in the approximate sum of {$220.00}. 
The routinely checking account on XX/XX/XXXX. I saw that Citi had actually withdrawn by a check that looked identical to my own but was not, the sum of {$5100.00}. I immediately called Citi and was advised that the circumstances would require an investigation by them that would require ten to fourteen business days even though the initial conversation had been recorded by them. Upon hearing that, I did the following on the same day : `1. Requested my bank to return the check which they did : 2. Made the late payment on line ; 3.Established an automatic payment system monthly in an amount in excess of the normal payment ; 4. Canceled the card. 
The following ( or second ) day thereafter I received a call from Citi advising that they had done an expedited investigation and determined that there had been a " computer glitch '' and that they had taken the funds in error. I advised what steps I had taken so that the money was in fact in my account. 
On the XX/XX/XXXX I discovered that they had redeposited the check for {$510000.00}. My bank advised that it was to late to take any corrective action in that the check had already cleared my account. 
I again called Citi bank and they advised that they would begin an expedited process to return the funds, this time two to three business days. As of XX/XX/XXXX, the funds had not been returned. I again called and was told that it would take ten to 14 days to " investigate '' and that the matter had been run through 5 different departments. I asked to speak to a more senior person who stated that  she would look into the matter and get it resolved. Essentially, the same thing I had been told a week previously. I was also told that this sort of the happens routinely at Citi. I was promised a call back and that Citi had placed a " hold '' on my funds, whatever that means.
To date, Citi has held my funds 13 days, collected interest on same, overdrawn my account twice, caused at least six or seven over drawn charges on my account of {$35.00} each and caused me to  spend at least four hours ( each call to them runs forty five minutes to an hour plus several calls to my own bank of twenty minutes or more ). 
It is also apparent that Citi does this routinely ( there statement ) and thereby defrauds untold amounts of money from their customers, quite likely involving tens of millions of dollars considering their vast size.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of multiple listings. 
According to the XXXX XXXX Compliance In the Matter of : the Investigation by XXXX XXXX XXXX, Attorney General of the State of New York, of Experian Information Solutions , Inc. ; XXXX  XXXX XXXX, XXXX ; and XXXX XXXXXXXX. 
Experian is reporting information that the other two bureaus have currently corrected or suppressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. the items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge. i asked that the items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commissions and i also have enclosed copies of the federal trade commissions identity theft affidavit. i would appreciate it if you deleted these items as soon as possible as it is hindering me. im trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted from account and now its back on there. This is prohibiting my ability to apply for a Mortgage. XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 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, and 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
Product: Credit reporting or other personal consumer reports

Once again experian closed this complaint without addressing the issue which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to review concerns. Extending gratitude to capital one for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.
Product: Payday loan, title loan, personal loan, or advance loan

Keep sending me to sign the loan agreement and never finish the transaction just lies and make you sign for company the credit repair
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported false late payments In accordance with the fair credit Reporting act XXXX Account # 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: Payday loan, title loan, or personal loan

The vehicle was current payments by the title holder, myself. The vehicle covers gap insurance at the time of purchase, and full coverage. The vehicle was totaled/total lost. The Global Lending Service Lender picked the vehicle up without prior authorization from the title holders, and the policy insurance company policy holder. No insurance authorization, title holders lawyer being contacted. I do not old the lender as the lender made threats to the title holder to reprocess the vehicle and to sale it at auction. Without allowing the lawyer to go through litigation with the title holder insurance company, or without the gap insurance coverage being applied. The XXXX XXXX  value on the vehicle shall represent the cost of the vehicle, or and the vehicle shall not be charged to the title holder as she is currently XXXX  from the total loss and automobile accident. After the Lien holder retrieved the vehicle before litigation process. The Global Lending service shall take full responsibility of the loan and remove the amount from further obligations of {$21000.00} Auto loan if the lawyer and its client has not been giving proper notice to sale, trade, or retrieve the vehicle for total lost inspections, with out prior notice. The lien holder is held accountable for not properly handling the insurance policy documentation, or requesting the insurance on the vehicle as the lien holder. Breach of contract, as the title older shall not further carry on the burden of the balance as the lien holder is in possession of the vehicle and will put the vehicle up for sale @ auction price possibly XXXX XXXX  value. This shall remain and stand in the court of law of the lien holder breach of contract to maintain proper documentation, insurance policies of the vehicle as the lien holder, Overseer. The lending company did not comply on any paperwork to deem the vehicle a total loss, as should have been done through litigation by my attorney as a process.
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 lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights significant issues with the platform, and I believe these concerns are relevant to my own experiences with Zelle. Despite being a long-time user of Zelle and having used the platform for numerous transactions, I have faced repeated challenges when reporting discrepancies. On multiple occasions, I have raised concerns with my financial institution and Zelle regarding unauthorized or erroneous transactions. Unfortunately, I found that both Zelle and my bank failed to adequately investigate these claims. I was informed that recovering lost funds was impossible, and that tracking these transactions was deemed unfeasible. The recent findings of the CFPB, which suggest that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, are deeply troubling. The lack of effective consumer protections, coupled with Zelles failure to provide transparency or accountability, raises serious concerns about the platforms ability to safeguard users from scams and fraudulent activities. Given the serious implications for consumer safety, I am urging Zelle to address these issues with greater urgency. Specifically, I request a review of my disputes and a clear explanation of the steps Zelle is taking to ensure a safer platform for all users. I also ask that you clarify the policies in place to protect consumers from scams, and provide transparent information on how disputes are handled moving forward. 
I look forward to your prompt response and a resolution to these concerns.
Product: Credit reporting or other personal consumer reports

I discovered some inaccurate details on my credit report, as outlined under 15 USC 16c-2. The information is incorrect and negatively affecting my credit score.
Product: Student loan

I applied for Public Service Loan Forgiveness from the U.S. Department of Education ( XXXX XXXX ) and was told I do not have any ELIGIBLE loan types. With all due respect, I think they are mistaken and may have inaccurate information. I called XXXX and was told to contact my current loan servicer, Nelnet. Before Nelnet, my servicer was XXXX XXXX for XXXX XXXX directly after graduation from the University of XXXX in 2006. It seems possible that a data entry error could have occurred in the transfers.

I have attached documents that I believe prove the eligibility of my loans. If my student loans are not eligible for PSLF, I would like a thorough explanation concerning WHY they are not. I see William D. Ford Direct Loan Program as well as Federal Family Education Loan Program on the consolidation papers. I simply do not understand what the problem is. If I can find evidence that the loans ARE eligible, I can and will re-apply for the loan forgiveness. Thank you for any help you can give me.
Product: Mortgage

I was a victim of Mortg fraud XXXX and settle with Ocwen/PHH in XXXX I am still in the house and been making payments on time and no record of a 2nd mortage. 

10 years later Ocwen sold my 2nd morth $ XXXX to a Mortgage Company the 2nd was written off in XXXX. Now i have to pay is this legal. Ocwen sold this in error this was part of my mortg fraud i did not take out a 2nd mortg it was part of the fraud. 
Banks received money for this and this is not fair to come back after 10 years Please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.