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

Just got up this morning and checked my credit score and noticed that a company named XXXX XXXX XXXX has appeared on my credit whereas i have no credit history with them. I do not have loan, nor a mortgage with said company. This is an attempt of identity theft slander defimation and libel, such is being taken up in court at this time against said company. WIth no credit history with said comapny all agencies must delete this item from customers credit history since being added XX/XX/XXXX. 
There is no evidence of a mortgage with XXXX, there is no record of a mortgage. No proof of a loan being processed in customers name and such the like. 
The home owners insurance is in the customers name that only XXXX XXXX XXXX. 
The home has been paid off since XX/XX/XXXX. See attachements and court information concerning identity theft created by said company as of XX/XX/XXXX. 
The comapny XXXX is simply trying to create money out of thin air. The customer deemed for this debt is that of XXXX XXXX XXXX and a XXXX XXXX XXXX located at a different address. 
This company [ XXXX ] is simply alleding that they are the orignial lender and or have purchased an illegal debt from XXXX XXXX whereas customers XXXX XXXX XXXX and XXXX XXXX have have never had a mortgage nor a credit history with Either XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. This is fraud. See attachments whereas President Obama passed a law on extending the Statutes of limitations on Mortgage fraud and securities fraud. Due to this attempt to continue harrassing, fraud, identity theft slander defimation and libel the credt bureus are now responsible for this action and may be financially responsible for all recoupments herein. Please see case no. XXXX and XXXX. Which are still in process. Hearing dzte scheualed later this year. XXXX   whom fraudulently attained private information from XXXX XXXX XXXX does not have the customers consent to have social security numbers not address nor other private information, this account doesnt have a account number listed as well. 
XXXX had attorneys try to offer a settlement on XX/XX/XXXX this year just a few months ago that the customers declined on. XXXX and XXXX even went as far as an illegal removal and fraudulent court docs without a court officers and judges signature. 
Because they knew it would continue in some form or way. With no history and no mortgage XXXX and XXXX XXXX continues to harass attempt to hider and delay the legal process but rather have been served a new or appeals compalint against them for any and such things to be overturned shall and the fraudulent mortgage assignment [ see attatchment ] is just that fraud. XXXX XXXX XXXX. sold a fraudulent peice of paper to XXXX XXXX XXXX XXXX to harrass customers XXXX XXXX XXXX and XXXX XXXX XXXX to get them by fear and harrassment to drop their compalint that has been amended and updated therein the court system. 
This information must be removed from the customers private information within the next 10 days.
Product: Mortgage

I just completed my Trial Payment Plan ( TPP ) for a FLEX modification for my mortgage loan with Wells Fargo. I completed the three TPP payments as agreed upon with Wells Fargo, for the agreed upon amount. As Wells Fargo and myself agreed, I paid {$1600.00} in XXXX, XXXX, and XXXX of XXXX. I confirmed the payments with my bank and with Wells Fargo, and made sure that when I made each payment over the phone with Wells Fargo, the amount was correct, and Wells Fargo confirmed that it was. Now, after I've already completed the TPP agreement, Wells Fargo is telling me that the payment amount is not enough. They are telling me I owe more. Additionally, Wells Fargo suggested I make an escrow payment of {$49.00} which would reduce my monthly payment amount at the end of the TPP. I made the {$49.00} escrow payment in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

My issue is with Navient, the company that inherited my private student loan from Sallie Mae. After the transfer, Navient refused to continue to defer my loans while I continue my graduate education. They temporarily placed me in a Rate Reduction Program, but changed the terms of that program at will. After making my payments faithfully for four years, they will no longer extend the Rate Reduction Program nor defer my loans while I am in school. Each time I call to request help, I am given no options to lower my payments or defer my loans.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a FULL transaction history of the account reporting on my credit report ( XXXX ). First the account is reporting a date opened on my credit report of XX/XX/2018 which I do not believe is correct. Additionally, I was XXXX when this account was opened and used so again, this is a fraudulent account. You will fi nd attached my identity theft report and showing that I have reported this account as a fraud account. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am AGAIN requesting a FULL TRANSACTION history of this account including the date that it opened and the last charge/transaction made on this account. That includes contracts or service agreements with my wet signature.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 re
porting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a legitimate dispute to Transunion in reference to three accounts that are being reported incorrectly as well as three unauthorized inquiries.and an inaccurate address that Transunion reports on my current credit file.
The three incorrect accounts, three unauthorized inquiries and inaccurate address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Transunion claimed they disputed this information and updated with a completion date of XX/XX/XXXX. There is no way this was an adequate investigation.They have yet to send any proof of how they conducted their investigation. Transunion is continuing to falsely report inaccurate and incorrect information on my credit file which is causing me unnecessary stress, not to mention tarnishing my credit report. I have documentation where these three accounts have been updated to a current status by the creditor on current previous Transunion credit reports. I also have documentation where the creditor has sent correspondence to Transunion to correct the status to " Current ''. Clearly this is a violation of the FCRA to report false incorrect information on a consumers credit file. Also Transunion continues to report unauthorized inquiries on my credit file. I did not authorize these inquiries and the companies did not have permissible purpose and they are not factual. These need to be deleted because no one has sent me any applications bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In according with the XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 US Code 1681 section 602 states I have the right to privacy.

15 US Code 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US Code 1681 ( A ) ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Student loan

I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.
Product: Credit reporting or other personal consumer reports

Subject : Request for Detailed Explanation Regarding Investigation of Account Reporting Dear transUnion, Account XXXX XXXX XXXX, I am writing to express my concern regarding the recent investigation conducted on the account information you have reported on my credit report. After requesting an investigation, I received notification that the investigation was complete. However, I am seeking clarification on the process and the findings of your investigation. 

To ensure transparency and accuracy, I kindly request the following information : XXXX. Please provide a detailed explanation of the findings that led your representatives to believe that the reported item is being reported legally. 

XXXX. Which certified documents were reviewed during the investigation process? 

XXXX. Could you please provide a complete copy of all information transmitted to the data furnisher as part of the investigation? 

XXXX. What were the costs associated with obtaining the necessary documents for the investigation? 

XXXX. Can you furnish proof of the timely procurement of certified documents? 

XXXX. Did your representatives directly communicate with any agent of the company responsible for reporting the information to confirm its accuracy? If so : - Who was contacted? 
- When did this conversation take place? 
- How long was the duration of the conversation? 
- What was their position within the company? 
- What phone number was used to contact them? 
- Who from your company spoke with them? 
- What is the position of your employee who communicated with them? 
- How long has this individual been employed by your company? 
- What specific training was provided to this employee for investigating such matters? 
- Were there any emails or written communications exchanged between your employees and the aforementioned party? 

XXXX. If applicable, please provide copies of all correspondence and conclusive documentation regarding the investigation. 

XXXX. Kindly provide the date of commencement of delinquency. 

XXXX. Please specify the specific date when reporting of this item will cease. 

Additionally, I request a notarized affidavit confirming the accuracy of the provided information, in accordance with my civil rights granted under federal laws. A template response will not suffice, given the detailed nature of my initial dispute. Failure to provide the requested information in a timely manner, as mandated by laws such as the Fair Credit Reporting Act, will result in my immediate demand for the permanent removal of this item from my credit report. 

The erroneous entry has significantly impacted my credit rating and caused both financial and emotional distress. If the requested deletion or documentation is not provided, I will pursue the enforcement of my constitutional rights through federal court proceedings. I am prepared to proceed with formal discovery processes and necessary depositions to ensure transparency and accountability. 

I appreciate your prompt attention to this matter and look forward to your comprehensive response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle
Product: Debt collection

A debt from the original creditor " XXXX XXXX '' appeared on my credit report but was disputed and removed in XXXX. A letter came in the mail less than a month ago and I have sent a debt validation letter to them. Instead of sending me information to verify the debt, they decided to add this debt to my credit report. I have no knowledge of this debt and have had no other communication other than a collection agency on behalf of " XXXX XXXX XXXX '' letter that was received on XX/XX/XXXX. I have been in touch with my insurance carrier XXXX XXXX XXXX XXXX XXXX about a similar bill from another doctor which has been rectified by the carrier due to the doctor 's negligence and fraudulent billing. 

This is all stemming from an emergency XXXX  in XXXX, XXXX. I went into the XXXX  for extreme pain and was found in emergency XXXX to have a XXXX that was gangrenous and necrotic. The attending physician did not properly fix the issue which caused me to fill up with 4 liters of bile and I went into multi-system organ failure. I was in the ICU for 5 days and nearly XXXX  4 times. I had to have a repeat procedure to correct this doctor 's mistake by another doctor and was still in the fight for my life. Instead of billing my insurance, they sent that bill to collections in retaliation because I tried to sue them for medical malpractice. I was told by XXXX different lawyers that I could not sue because I did not actually XXXX  and to just appreciate life. Instead of being able to do that, I have to deal with medical bills because not only can these doctors not perform a simple XXXX correctly, they are incompetent with simple billing procedures. The XXXX  had all the correct information. The doctors chose not to bill properly and I am having to relive a traumatic ordeal over and over just to get this rectified. I am the victim here and I am continually being victimized.
Product: Payday loan, title loan, or personal loan

I opened this account on XX/XX/2020 for XXXX with a payment of XXXX a month.Since then, I have made my payments on time and paid back XXXX as of XXXX my XXXX credit report as of XX/XX/2020 it states under upgrade trade line that i have a balance of XXXX.I should be alot less than that.It seems like.From begginning balance to current balance on credit report the loan has only gone down XXXXThey must be charging alot interest and it will take forever to pay off.Upgrade also charged me a fee to get the loan as well.This is a rip-off.So far, upgrade has charged me XXXX in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and asked if my personal information could be updated because all of my personal information is either missing or incorrect. I spoke with a Front supervisor ( XXXX ) after not getting an answer on why my report had new accounts on it if the information never matched to begin with. He became very irate, wouldnt give me his superiors information and told me to report him to CFPB.
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 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 were unfeasible. The CFPBs findings indicates Zelle has not only neglected to protect consumers but its also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.