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

XXXX XXXX Firm is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XX/XX/XXXX and I did not open in XX/XX/XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.
Product: Debt collection

I am Aware that WAKEFIELD & ASSOCIATES has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.
Product: Debt collection

I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   VA  XXXX  #  XXXX  dob  XX/XX/1962     XXXX , Equifax and  XXXX  will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus XXXX, and Experian about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and Experian with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus XXXX, and Experian.
Product: Consumer Loan

I PAID MY LOAN OFF AT CHECK AND GO, BUT BELIEVE I WAS OVER CHARGED. LOAN START XXXX/XXXX/2015 AND I PAID IT OFF ON XXXX/XXXX/2015.
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. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the continued inaccurate reporting of a charge-off account by Experian. Despite submitting multiple disputes, the credit bureau has failed to correct significant errors, whereas XXXX removed the account following my first dispute.

Key Issues : Account Inaccuracies : The account shows missing months of payment history, which were later updated inconsistently. Some months have no payment history, and others were updated to " charge-off '' status. Additionally, the charge-off date was repeatedly updated, including changes in the balance and last updated dates. 

The account was marked closed in XX/XX/year>, but the charge-off status and balance continued to be updated after this date. This behavior suggests re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ).

I filed three disputes through the CFPB regarding this account, but the issues have not been corrected by Experian. Despite pointing out these inaccuracies, both bureaus failed to conduct thorough investigations and continue to report inaccurate information. XXXX removed the account after my first dispute, confirming that these inaccuracies should not be present.
Product: Mortgage

took payment out of checking they did not have authority to do. mortage was transferred from different lender. last lender paid taxes but current company also paid. changed payment amounts to pay escrow shortage been calling for 3 months got hung up on, and sat on hold for XXXX minutes. they know of over pay but will not change.
Product: Student loan

Online harassment concerning loans. Question whether the loans are mine or applied for in my name by ex husband. Identity theft. Tried disputing with credit company but unable to. Loans are controlled by XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
Product: Student loan

For starters, this constant flipping of my student loan from one company to the next is extremely tiresome. This is the second or third time the same loan has been tossed around and it 's back to one of the original ones! Beyond this frustration, they pass it on, notify me after the fact, and now I owe on late fees for payments? Not acceptable .... at all! How the   XXXX   am I suppose to know?
Secondly, the amount they are stating I owe is not even correct. They are stating I owe almost $ 8k. I do not think they even have the original paperwork or have my payments applied. This is unacceptable. I want to be show the documents that even show I owe on the loan. I do not think they even have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX  XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, Account # 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, credit repair services, or other personal consumer reports

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a XXXX employee, working for a XXXX, i take my finances serious. I'd like for this information to be removed from my profile
Product: Debt collection

I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF ALL THE INACCURACIES IT IS NOW HARD TO ACQUIRE CREDIT FROM COMPANIES. PLEASE LOOK INTO THIS MATTER AND HAVE THESE DEROGATORIES REMOVE.
Product: Mortgage

Mr Cooper transferred my mortgage from XXXX XXXX earlier this year and transferred my auto pay settings as well. But they only set it up for XXXX  months. 

Even in the welcome mail Mr. cooper sent, they didnt indicate that autopay is setup only for XXXX  months. 

This caused me to miss my regular mortgage payments which affected my credit score. Once I noticed this, i have now paid all my mortgage payments and I am fully upto date. 

I have tried asking Mr.cooper to handle this mishap and write to credit agencies. They are not cooperating to fix my credit score.
Product: Debt collection

I received phone message from company looking for me with maiden name. I tried calling the company back and phone rang and rang for over 10 minutes with no answer or company voicemail. I called the next day and spoke with a woman from the company. She claims she represents a debt collection company ( NPGLLC ) and they are trying to reclaim a loan that was taken out in XXXX under the name " XXXX XXXX '' ( I was legally married XXXX and my name was legally changed in XXXX ). The woman states loan was deposited to XXXX checking account ending in XXXX by a company called XXXX XXXX. They also claimed I worked for a previous employer at the time of the loan. When I asked the woman to speak more slowly as I was trying to write down what she was saying, the woman became flustered and rude. The company claims that I took a loan out for {$300.00} and now the balance is {$710.00} but if I paid today it would be settled for {$400.00}. I told the woman I felt that I was being scammed and that I was disputing this claim and that I needed to contact the proper authorities. I asked her if this claim was valid, why has it never shown on my credit report and she claimed that it was because small amounts from payday loans do not reflect on a persons credit report. I know for a fact this is false. She told me that if I did n't pay now I 'd lose the opportunity to save the additional money for repayment. I asked for all documentation regarding this claim and she would not mail it to my home, but only would email it to me. ( see attached ). I called XXXX bank, they confirm I did have a checking account ending in that number, but that account was closed XXXX so it could not have been used. NPGLLC has called my husband and father in law and left them threatening messages. I have confirmed with the FCC that this is indeed a known scam and I wish to file a formal claim.
Product: Debt collection

I was disputing this information on my credit report demanding these items be removed from my credit report.as I have done my research on the laws I feel these companies have violated my rights as consumer. And have not provided and proven information that the alleged debt is mine. Ive never done business with these companies or have I agreed to pay them anything Ive never done business with them. I want to state a few of the violationsu that have been committed by these companies 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Product: Credit reporting or other personal consumer reports

This company has been allowed to post dept on my credit profile XXXX years and Ive file complaints about with the credit report agencies but nothing is being done to rectify the situation and it this continues to negatively impact my credit score. Ive never been involved or done business with this company!
Product: Debt collection

My loan was transferred from BSI Financial Services to XXXX XXXX. Date of transfer was on XX/XX/21. My account number under BSI is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from XXXX XXXX shows a Corporate Advance Adjustment ( one in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from XXXX XXXX. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. BSI never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.
Product: Checking or savings account

XXXX government issued checks from the Texas Comptroller of Public Accounts were deposited on XX/XX/year>. {$70.00}, {$75.00}, {$300.00} Only the {$70.00} check funds was made available on XX/XX/year>. The other XXXX are held until XX/XX/year>. Have spent several hours on the phone with Bank of America XXXX and informed there is nothing that can be done. I desparately need access to the funds to allow me to register for upcoming spring semester, the purpose of the state issued checks. 

On XX/XX/year>. XXXX finally able to get holds released on the {$75.00} and {$300.00} deposit deposits. However, it was too late to secure on-campus housing for XXXX XXXX  semester with Texas State University XXXX No rooms are available, which jeapardizes my entire XXXX XXXX  education program. In addition, I received a response to an escalated client compliant I submitted via email, telling me that you are happy everything had been resolved. NO, the only thing resolved was I was finally able to get the excessive hold released on XX/XX/XXXX. Regarding the issue of NEW ACCOUNT, your agent continued to recite your " re-definition '' of NEW ACCOUNT, contary to the definition given in the banking regulations. If you are liberty to redefine the underlying legal definition of established banking terms, then in essence, you can redefine all the federal bank regulations to suite your whim.
Product: Debt collection

There was an account opened from XXXX XXXX back in XX/XX/XXXX that I disputed from identity theft. XXXX XXXX closed the account on XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from " Legislation Office '' and all came from Portfolio Recovery asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from XXXX XXXX showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!
Product: Money transfer, virtual currency, or money service

I made a purchase using the CoinBase card. It was for {$69.00} at XXXX. I returned my item that I purchased which was a scooter, and I got a receipt showing that I was refunded my amount. So now I have almost {$70.00} just sitting out in the middle of nowhere for no reason. I have already contacted XXXX and was told that I was going to be refunded. And then also on top of it I linked a XXXX card to my account. This is not the first card Ive ever had on my account so I know how the security process goes when testing for activity on your card. My original XXXX I used was a debit card that I had on my account that had XXXX transaction charges, and those charges fell off and it was never charged in the first place. When I was prompted to add my XXXX card I was told I would not be charged and that XXXX transactions would come through that I would type in and confirm the activity card. I typed these transaction numbers out, XXXX being {$1.00}, and the other one being {$1.00} when I went to CoinBase to ask why my money was taken out of my account when it shouldve never of left in the first place, I was told that I would be given a refund within XXXX to 5 days. I dont understand why money was being taken out of my account when I was told I would not be charged and also why my refund is now currently missing and I have no idea where it is. The worst part about this was that I waited over 12 hours to speak to someone, then XXXX agents disappeared for no reason, and the third agent was not very welcoming of me. I waited all day and still never got a resolution for any of my money.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 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. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX  Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed immediately.
Product: Debt collection

I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me
Product: Credit card

Upon receiving 6 emails with notices that I was approved and open a credit card this morning with my name on the emails. I called chase banking to the customer service number. To confirm they did NOT have an account under my name. The representative would not confirm this unless I provided a social security number. Date XX/XX/2023 time XXXX was when I placed the call. I asked if I could go to a chase office for this the representative said they would tell me to call back
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 tracking these transactions was infeasible. The XXXX finding indicated that Zelle had not only neglected to protect consumers but also allowed repeats offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable that raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are a few inquiries on my credit report that are fraudulent. It is for XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. I never authorized this and requested the Experian to investigate this and have it removed.