23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.
Product: Mortgage

On XX/XX/year>, I requested a pay off letter from XXXX. On XX/XX/year>, while I was at the bank, ready to wire them the money, I called Mr Cooper and told the lady that my concern was what would happen to the excess interest from XX/XX/XXXX to the XXXX calculated on a total of {$300000.00} at 11.5 %. The excess interest is in the amount of {$2300.00}. The lady at Mr Cooper, told me not to worry because the excess interest would be returned to me. I contacted Mr.Cooper a few times in order to have this issue resolved, but Mr.Cooper told me the issue would be under review. The last time I called Mr.Cooper, a lady told me the excess interest would not be returned because the pay off amount was estimated based on a monthly basis which makes no sense to me because from XX/XX/XXXX to the XX/XX/XXXX I did not owe any money to them and the loan docs do not refer to any pay off situation.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I send out a letter to experian I received a letter stating that it's not from me when yes it's from me I want them to stop with the stall letters
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you please verify the documents? Some accounts listed have inaccuracies in their reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX CREDITOR : XXXX XXXXXXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Mortgage

We are processing a short sale wi th Fifth Third B ank. On  XXXX   XXXX ,   XXXX  , they issued a counter offer of {$190000.00}, and we initiated a value dispute. On  XXXX   XXXX , the value dispute was completed and the market value was reduced to {$170000.00}, which is the EXACT amount of our offer. I asked if we could proceed with this offer and received no response. I emailed our representative  XXXX   XXXX  again on  XXXX   XXXX  asking if we can proceed and received no response. On  XXXX   XXXX , I calle d 5th 3rd  and spoke to  XXXX  ID #  XXXX . She confirmed value of {$170000.00}, but showed nothing more recent than last week so reached out to the " specialist '' working on the loan/offer. He could n't reach him but gave me his direct contact info for  XXXX   XXXX  yet again. On  XXXX   XXXX , I emailed  XXXX   XXXX  asking if we can proceed with the offer and copied his supervisor  XXXX   XXXX . I FINALLY received a response from  XXXX  indicating the " investor '' has reduced some fees, but did NOT indicate who the investor is. I emailed him back requesting this information, but AGAIN no response. On  XXXX   XXXX , I emailed  XXXX  the requested documentation and informed him I did not have approval to reduce the fees, since we were not informed of the investor. I received the following response from  XXXX , " The review on the file is halted until the settlement statement has been adjusted to allow for investor review. '' When I asked him to clarify this statement. He responded, " Until the seller provides a settlement statement that meets with the investor guidelines and directives then I do not see what can be done at this point? '' I c alled 5th 3rd to s ee who the investor is. I spoke with  XXXX  and asked for  XXXX   XXXX  ' supervisor since it took him a month to return my phone calls or emails and they want me to cut our fees in half without giving me any information as to who the investor is. I was transferred to  XXXX   XXXX , she said the investor is  XXXX   XXXX , and she will have  XXXX   XXXX  call me back regarding the delayed responses from  XXXX . I subsequently received approval to reduce the fees and sent the revised settlement statemen t to 5th 3rd .  XXXX   XXXX  did not return my phone call and instead sent me an email indicating he would contact me on  XXXX   XXXX . He did not call me and when I emailed him to find out when we could speak he insisted he DID call me. And argued that my loan number was wrong and he could n't find the file. I asked him to call me so that I could provide the SSN instead and he said he would have to do this tomorrow. I called in, trying to get in contact with someone who can discuss this file with me and aft er 40 min utes on hold, I was informed no one is available and I will have to leave yet another voicemail. It is completely unacceptable to refuse to communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX i have not given any of these companies written permission to run my credit i have asked Equifax to remove these inquiries several times and know response
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Account Information Account Number : XXXX Dear Barclays Bank Delaware, I am writing to formally request the removal of the account listed above from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I found the following concerning issues with the account : Inaccurate Status Reporting : The account is currently listed as " charged off, '' which is misleading. If the status of this account does not accurately reflect my payment history or any settlements made, this is a violation of the FCRA 's requirement for accurate reporting. 
Incorrect Balance : Your records indicate a balance of {$33000.00} as of XX/XX/XXXX, which does not accurately reflect my payment history. If there have been payments made that are not being reported, this misrepresentation could harm my creditworthiness. 
Failure to Update Information : The status was updated in XX/XX/XXXX, and the balance was updated later in XX/XX/XXXX. This delay in reporting timely updates violates the FCRA guidelines, which mandates that creditors must provide accurate and promptly updated information. 
Excessive Reporting Duration : As this account is set to remain on record until XX/XX/XXXX, I would like to point out that negative information should only remain on a credit report for a maximum of seven years from the date of first delinquency. If the account was charged off in XXXX, it should not be reported beyond the seven-year limit. 
Given these discrepancies, I request that you investigate this account and remove it from my credit report. Should you find that these inaccuracies are indeed present, I expect a prompt correction and written confirmation of the removal. 
Please respond to this request within 30 days to comply with the regulations set forth by the FCRA. I appreciate your immediate attention to this matter and look forward to your prompt response. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion To Whom It May Concern, I am submitting this complaint regarding inaccurate information on my credit report provided by TransUnion. These errors remain unresolved despite my efforts to address them directly with TransUnion : 1. XXXX XXXX  XXXX - TransUnion 's report includes conflicting balances compared to XXXX and XXXX, violating FCRA standards for accuracy and verifiability [ Section XXXX ( a ) ( XXXX ) ]. 

2. XXXX XXXX XXXX XXXX TransUnion lists the original lender as " XXXX XXXX XXXX XXXX XXXX inconsistent with XXXX 's report of " XXXX XXXX XXXX XXXX XXXX This discrepancy breaches the FCRA 's accuracy requirements. 

3. **Bankruptcy Filing on XX/XX/XXXX, XXXX - TransUnion reported incomplete information, including Case ID ( # XXXX ) and a status of " Date Paid : XX/XX/year>, '' which is not aligned with XXXX or XXXX records. Furthermore, the responsibility field is blank, adding to the inconsistencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have been paying on these loans for 19 years. While working in a public high school. For many years my loans were with XXXX. They assured me I was on track for forgiveness. During this time I got divorced and filed for bankruptcy, unfortunately during my time in bankruptcy I could not access my XXXX information. You can see all of this information in prior complaints. I was careful not to make any late payments during the 5 years of bankruptcy, knowing this would make me ineligible for forgiveness. When I reached the 10 year mark, I contacted XXXX who then told me that I was on the wrong repayment plan and my loans were not consolidated. I would need to start the process over. I then learned that my loans had to be with Fed loan and so I consolidated them and got on the income contingent repayment plan. None of these things were brought to my attention during the many hours I spent on the phone about this matter. Based on the new rules enacted by the XXXX XXXX in XXXX 2021 I meet all of the requirements, yet my statement says only XXXX some payments qualify. The new guidelines should have corrected these issues. I moved my loans to Fedloan in XXXX of XXXX, consolidated them and got on the XXXXncome ContingenXXXX repayment plan. this should be equal to 34 qualifying payments just since then, I'm only getting credit for 26? I don't even understand where that number came from. It also says on my loan information that the college is XXXX. This is not accurate, I took graduate classes from XXXX XXXX  and paid for them in full my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Item : Account listed as : XXXX XXXX  [ XXXX ] on the Transunion Credit report has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations. 


I contacted Transunion via letter on multiple occasions about beginning on the date of XX/XX/2022. I have attached some copies of some of my letters.
Product: Debt collection

I worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. 
First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.
Product: Debt collection

NRA has sent a rebuttal for the first complaint filed, claiming that there was an alleged debt validation letter sent to my current address in XXXX of 2023. There is no proof that this validation letter has or was sent, as they have yet to provide this information. As well, the company continues to fight to leave the presumed debt as a collection without proof of ownership, which is illegal. At this point, the company has no legal grounds to stand on in keeping the presumed debt as a collection.
Product: Credit reporting or other personal consumer reports

My rights were violated according to XXXX XXXX. XXXX. Disputing in writing and verbally only resulted in repeated inaccuracies. I have been denied credit where I was qualified if accuracy have been improved with respect to my rights. 

XX/XX/XXXX inaccuracy was reported prior to the XX/XX/XXXX due date. When I contacted the XXXX, prior to the XXXX of XXXX, credit officer confirmed no late payment. When I disputed reporting the bureau repeated inaccuracy. When I explained that XXXX XXXX XXXX XXXX XXXX did not report the other XXXX lending products because I have an extension on all three, which would have appeared. Then they reported an inaccuracy on the personal for XX/XX/XXXX. Then I disputed again and it repeat the inaccuracy, but have since changed the late reporting from XX/XX/XXXX to XX/XX/XXXX for the credit card. Instead of updating the inaccuracy altogether, the bureau is unjustly reported inaccuracies. There was never 30 days late as it would apply to all XXXX lending products since XXXX extended a hardship collectively. Before the inaccuracies I was never late. 

Includes inaccuracies also beginning XX/XX/XXXX XXXX XXXX  XXXX XXXX {$18000.00} XXXX  XXXX in not accurate as an account {$1500.00} Includes inaccuracies beginning XX/XX/XXXX XXXX was disputed in XXXX and XXXX and reported as inaccurate {$3600.00} Includes inaccuracies beginning XX/XX/XXXX XXXX $ {$6600.00} Includes inaccuracies even after duplicate account identified where balance is {$0.00} 60 days are report late from XXXX. 30 DAY LATE ARE NOT REPORTED. The report have been adjusted over years, but inaccuracies remain. The duplicate debtor is XXXX XXXX XXXX which is in good standing. The bureau refuses to update the inaccuracy. It's impossible to show good standing while the next month shows 60 days. 
The report shows that I met the TERMS of payment in XXXX of XXXX, but a 60 day LATE payment was reported in XX/XX/XXXX. The report shows that I met the TERMS of payment in XXXX of XXXX, but a 60 day LATE payment was inaccurately reported. 


I have been denied personal loans for family emergencies where I had the finances, but the creditability was ruined by these inaccuracies and unfair reporting. I can not get a loan from the financial institutions where I have a XXXX plus year relationship, nor a business loan associated with my personal credit from the institution I have a relationship for nearly XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Debt collection

Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to Experian/XXXX and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX XXXX XXXX and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!
Product: Money transfer, virtual currency, or money service

Scam reason : criminals offered job opportunity and a house payment. 

Wells Fargo Bank Account Name : XXXX XXXX Account No : XXXX Routing No : XXXX Swift Code : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX received {$10000.00} from my bank transfer. 
Wells Fargo to Wells Fargo.
Product: Mortgage

I paid off my home mortgage on XX/XX/XXXX. The mortgage company owes me back the remaining sum in my escrow account, plus an extra mortgage payment that they took on XX/XX/XXXX. They are claiming that they need 4 weeks of " processing time '' to issue me my refund check. This is basically holding on to money that is not theirs for an unreasonable amount of time. These refunds should be processed in a matter of a few days.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$620.00} to my daughter through Cash App, and the funds were intercepted because someone fraudulently changed her email address and took the money. I contacted Cash App about this matter and was told to file a written complaint. After filing the complaint and not speaking to a live representative I later received a response saying there was nothing they could do. This matter was never resolved and my daughter and I lost {$620.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express regarding Zelles handling of disputes, particularly in the 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XXXX I sent US Bank a letter requesting adequate assurance of an previous account that has been settled and closed as of XXXX. US Bank replied on XXXX stating that my request was not significant despite acknowledging an agreement was in place between XXXX XXXX and US Bank, Under UCC2-609 that the Lender has performed according to the loan agreement and the original lender used their own money to purchase the Borrowers agreement, note, as money or like money to fund the transaction, check, credit, or similar instrument by the alleged lender ( US Bank ) thenn lent the borrower-which would have an economic effect similar to stealing, counterfiting and swindling -and that the lender has followed the federal laws 12 USC sec 1831n ( a ) ( 2 ) ( A ) and or 12 cfr 741.6 ( b ) regarding Generally Accepted Accounting Principles and Generally Accepted Audited Standards
Product: Debt collection

Cedars Business Services of XXXX, CA is trying to collect a traffic fine imposed on me by the city of XXXX, XXXX. All of the details about this fine are incorrect however. I did fly there and rent a car but it was a decade earlier than the date of the offense. It was also a different part of the day. In a letter Cedar sent me some years ago, they included a traffic-cam photo of a car at night supposedly proving their point. I was there in the daytime. I explained all this to them in a phone call a couple years ago and the person I spoke with agreed to cancel the case. I just received another letter try to get me to pay and now the amount is greatly increased due to the time passing. 
I have no idea how the police in XXXX connected my name with something that happened when I wasnt there. Lets assume it was an honest mistake, but please help me stop Cedars from the continuing harassment.
Product: Credit reporting

I disputed inquiries that were not made by me however I have not heard back from them.