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

I was on a forbearance plan from XX/XX/2023 to XX/XX/2023. I exited the plan around end of XX/XX/2023 and offered a repayment plan. The lender has reported to credit bureau that I was late and/missed payment for XXXX when I was forbearance plan. The purpose of the forbearance plan is to protect customer from being delinquent on the account due to XXXX related hardship. The company still refuses to correct the credit report even though I was on the forbearance plan and completed my repayment plan on time. The Veteran Affairs published that During the XXXX national emergency, taking advantage of forbearance options should not be considered delinquent for the purposes of credit report. You should also not have to worry about being charged additional costs for the XXXX forbearance. For example, a mortgage company can not charge you a late fee as a result of granting you a XXXX forbearance. Also, Under the federal XXXX XXXX, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before XXXX, your servicer must report your loan as current even if you are not making payments. During the period covered by the XXXX XXXX, your mortgage servicer is required to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the XXXX emergency, to report the same delinquent status.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several fraudulent accounts and inquiries from my credit report. These accounts and inquiries are not authorized by me and do not belong to me. The presence of these fraudulent items has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These fraudulent accounts have resulted in negative remarks that are adversely affecting my credit score and financial reputation. 

I kindly request the immediate removal and blocking of the following fraudulent accounts and inquiries from my credit report : XXXX XX/XX/2023 - INQUIRIES
Product: Money transfer, virtual currency, or money service

To whom this may concern, I recently sold merchandise through XXXX on XX/XX/XXXX to a customer for the amount of {$150.00}. She paid via PayPal using her checking account. The funds were held by either bank or PayPal until they would clear. We waited a week and the funds would not clear as stated in the PayPal invoice which was XX/XX/XXXX, the date kept moving up the date and we decided to do a separate transaction that went through fine. Well, PayPal did not release the funds to this lady and keeps moving the date since she had a case opened. They told her she had lost her money. I told her that if they deposit the money in my account or release the funds, I would be honest and refund her but I could not at the moment because I did not have the funds yet. They refunded the money yesterday XX/XX/XXXX and refunded her the money back. Well paypal took the money from my paypal account today and debited the same amount also from my checking account.I paid this amount twice and I am out the merchandise too. I can not get a hold of PayPal and I am tired of these business practices. I need this money they took from me and so does my customer. They need to make it right and stop giving us the run around for a month. We use PayPal for our business and it makes our business look bad. Can anyone please help us?
Product: Credit reporting or other personal consumer reports

Ive already submitted multiples complaints and reinvestigation clauses. This is my 5th notice to the company and still I have inaccurate things on my credit report that has caused me to be denied from jobs, Credit opportunities, and funding. The latest Credit file still shows these inaccuracies ( Attachments ). Account # 's missing, Balance owed being reported, Closed dates missing, Past due amounts being shown, Date opened different on bureaus. My consumer rights are that all information has to be 100 % accurate and these are not. Equifax in particular has failed to investigate and delete accounts that have been deleted from the other agencies as well. I am seeking damages in the amount XXXX per violation as the dates to investigate and has expired also for the accounts in question to be deleted. I also sent the companies a notice that I wanted a notice of what happened during investigations. Delivered and received at all XXXX bureaus XXXX XXXX XXXX 
Tracking numbers/ XXXX XXXX XXXX Consumer law below.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I was not sent any information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

They have frozen my card like it dont exist! I have called 9 times today in total of 6 hours on hold waiting to talk to someone! 
2 months ago my account was doubled charge every time I used it and they never reimbursed or mailed me anything to dispute these charges, This should not be allowed to happen to anyone. 
I got new card because when I had this issue that was their suggestion to fix my charges
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 
In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Debt collection

I saw that I had a derogatory account with AFNI INC for a  bill from XXXX XXXX XXXX reported on XX/XX/2020. I called them to dispute it, but they would not remove it from my credit report. The total amount was {$340.00}. 

I then called XXXX XXXX XXXX and got a number certifying that it has been paid. That number is XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 XXXX  STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX/XXXX  XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX  XXXX  XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX/XXXX  XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX  XXXX  XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company has reported false information on my credit report several times and refuses to remove the item. This is grounds for a lawsuit if they do not remove the account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has 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 users safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my report that I did not authorize or recognize, please delete immediately. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries XXXX XXXX I never authorized these inquiries XXXXXXXX XXXX I never authorized these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at XXXX. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called XXXX and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from XXXX in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with XXXX and I never made transactions at XXXX where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of XXXX and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the XXXX " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to XXXX 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. XXXX did not protect me or my funds. For XXXX to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to XXXX 's negative reporting to the credit agencies. I want my name cleared and charges brought against XXXX for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.
Product: Debt collection

I made a written agreement with NCBI credit management and they furnished me a letter stating they would delete the collection account and verbally told me so over the telephone in XX/XX/2021. They re-nigged on the agreement and now it is still showing up on my credit. I call them and I get nothing when I call 10 times a day several days in a row. This company is run by scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, XXXX, Equifax, and XXXX continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Product: Debt collection

I had a XXXX XXXX credit card. It was a secured card. I was unemployed and tried to catch up on payments and work out a payment plan to keep the card open but they refused and sent me to collections. This account is now closed and they are demanding payment. It is with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained it before to Experian about the fraudulent charges committed by XXXX XXXX to me, that affected me negatively on my account producing so many illegal overcharges, that even affected me 3 times to pay on time to XXXX XXXX services I sent the proves and court papers from the FTC to XXXX, and XXXX removed this account from my credit report I sent the same proves to XXXX investigate the case and XXXX removed the account from my credit report I sent more than 14 times this proves to Experian over and over and they were unwilling to remove this account from my credit report Experian never sent any documents about the investigation they dont give me a reason why this account still on my credit report The only credit agencies that listen to me and reply me back on letters were XXXX and XXXX XXXX they found the account inaccurate for the based on the information I provided it about the fraudulent charges and Illegal activities done by XXXX XXXX XXXX do not understand why Experian is the only one from all the credit reporting agencies unwilling to remove the XXXX account from my credit report This is prove with documents, with files and many visual proves but accuse Experian of not making any real investigation 2 mayor credit bureau XXXX and XXXX Did a real investigation and found out that I was right and removed it the XXXX account from my credit report Im tired of Experian They dont send me any documents about all my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

I demand that the following account be verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from XXXX, XXXX, or Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company mix my file and vicious share information unverified when clearly a send my correct information. Inquiry never requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My only name is the one in my id or ss not any variation 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: Debt collection

XXXX XXXX commenced a lawsuit through the Law Offices of Howard Lee Schiff. P.C [ Schiff Law Office ]. in XXXX XXXX to collect a debt that had already been paid. XXXX XXXX 's law firm obtained a judgment improperly and executed on my bank accounts. When later presented with the proof by my attorney that payment on the balance had been made 2 years previously in connection with a home loan refinance, XXXX XXXX and the Schiff Law Office ignored the efforts to reach a resolution of the claim.
Product: Mortgage

Wells Fargo has placed or enrolled me in forbearance without my permission. This has negatively impacted me as XXXX XXXX  has placed my home equity mortgage application in denial status because of this. Wells fargo has emailed me admitting to and apologizing for the error. They stated the issue would be resolved by XX/XX/XXXX. I applied afterwards at XXXX XXXX XXXX XXXX and was denied. Wells fargo pushed my resolution date back to XX/XX/XXXX.