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

I am writing to formally dispute and request corrections to the inaccurate information on my credit report, as maintained by TransUnion. I initially contacted TransUnion regarding these discrepancies on XX/XX/XXXX ; however, as of today, I have not received any response from them. I am seeking your assistance in addressing the following discrepancies : XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ) : You are reporting the XXXX account with an incorrect balance of {$14000.00}. I distinctly remember the balance being lower than this reported amount. 
I request the removal of the information concerning the Past Due amount, as this account is closed and charged-off. 
To avoid further negative impact on my credit score, I kindly request that TransUnion mark this account as disputed. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) : The information presented on the XXXX XXXX  account requires investigation. 
I acknowledge the original creditor as XXXX XXXX XXXX XXXX ; however, I have not received any communication from XXXX XXXX. 
The reported balance of {$1400.00} is inflated and inaccurate. I dispute this amount and believe that I owe a lower sum. 
Due to these inaccuracies, I dispute the entire XXXX XXXX account and insist on verification of the following dates : Date Opened and Date of First Delinquency.
Product: Money transfer, virtual currency, or money service

I was scammed into thinking I was paying for equipment and software as well as a supervisor to teach me. I sent money via XXXX connected to my Bank of America. These are the dates and amounts XXXX {$270.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$900.00}, XXXX {$300.00}, XXXX - {$200.00}, XXXX - {$100.00}, XXXX {$390.00} My bank is unable to return this money because once it is sent it is immediately funded to their account. The money was sent to XXXX, XXXX, XXXX, and XXXX. You will see those names in the attached files.
Product: Mortgage

The most recent issue is this : We had a modification on our mortgage. It was signed in front of our attorney with Ocwen on the phone with us for any questions. They had already filed suit on me eventhough i had paid and had receipts. 
On XXXX XXXX, XXXX the Modification was signed. Our payments would be XXXX by XXXX. My payment was made on time. 
I have recieved a letter in the mail stating that we owe XXXX starting XXXX. 
We signed the modification and agreed. Now they are wanting more, again. They also attached a balloon payment at the end and no credit given for the 14 years of payments that i have already paid. 
In XXXX, i was not going to include the house in the bankruptcy but recieved no affirmation from ocwen when I asked for XXXX. After I paid the payments from then to XXXX XXXX, i recieved no credit for it. They also say that they are not attempting to collect a debt. I never recieved a monthly bill, but i knew the monthly payment and continued to make them. Now since i have never been credited for those payments ( which i have reciepts ) since the modification, they are trying to collect the escrow for three years! 
They are asking more for the house now than when i bought it.
Product: Credit card

I have a former Comenity XXXX card, which was sold off to Bread Financial. I paid the last remaining {$150.00} of my bill BEFORE the due date. It should have been COMPLETELY paid off. However, this company is trying to bill me {$3.00} in a new statement and I'm worried that if I don't pay it ( and the fact that I do not OWE it ), this company will then give me a late charge. This company has ignored both of my emails to them. Please investigate them.
Product: Debt collection

XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to contact them. All they do is try to sell products to me. No other credit people have done this. They won't answer the phone and they already had a breach. My credit report is so different since then. They aren't cooperating. I have a really good score with all of the others but not them. They keep hanging up and I never talk to anyone. Someone needs to investigate this.
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 that highlights significant issues with the platform.

As a frequent Zelle user, I have experienced firsthand the lack of adequate resolution processes. Despite reporting discrepancies in my transactions, both Zelle and my financial institution failed to investigate my claims thoroughly. I was informed that recovering lost funds was impossible and that tracking the transactions in question was unfeasible. 

The CFPBs findings further confirm what I have experienced : Zelle has neglected to protect consumers, allowing repeat offenders to exploit the system. This lack of accountability has left users like me vulnerable to scams, with little to no recourse for recovering funds or addressing these incidents effectively. 

I believe it is imperative for Zelle to reevaluate its dispute resolution processes and enhance its fraud prevention measures to better safeguard its users. As part of this complaint, I request that my concerns be taken seriously and that steps be taken to address the deficiencies in the platform.
Product: Checking or savings account

I filed claims on my account that weren't mine due to identity theft on my account. They couldn't get ahold of me so decided the charges were mine and decided to close my account and never do business with me again. I had Direct deposits go into my account after it was closed and was told it was returned from the bank. Only to find out 1 month later they lied a d kept the funds and said I voluntarily gave my funds to them. I was told that if an account is closed the funds would be rejected and sent back to the issuer. Then today they tell me we can keep any funds we decide we want to
Product: Student loan

I have student loans that have been consolidated, sold, closed and even transfer. These loans are still currently on my credit report and hurting my scores. I am requesting the removal of these old student loan accounts.
Product: Vehicle loan or lease

Sure! Here 's a revised version of your complaint, incorporating the details you providedformatted clearly and professionally for submission : -- - Description of What Happened : I am reporting an issue with an auto loan account ending in with a balance of {$9900.00}. The account has been marked as XXXX days past due** and has been **reported for over XXXX days, starting from XX/XX/year>. 

I have made **multiple requests for information** regarding this account, including a breakdown of the charges, payment history, and any documentation supporting the delinquency status. However, I have received no response from the company to date. 

Despite these unresolved issues and my efforts to communicate, the company continues to report the account as past due, which is negatively impacting my credit. I believe this reporting is inaccurate and unfair without proper documentation or acknowledgment of my information requests. 

I am requesting that the company **either provide the full account information and validation of the debt** or **correct or remove the inaccurate reporting** from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then LVNV Funding LLChas come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with LVNV Funding LLC. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Credit card or prepaid card

I have had issues with Goldman Sachs / Apple Card timely crediting payments for my last two statement cycles. I pay this account via my credit union 's billpayer service, provided by XXXX, and two months in a row Goldman Sachs has not timely credited my payments. This is not an issue with any other company I do business with and was not an issue with Goldman Sachs until recently. 

The XXXX payment was scheduled for XX/XX/XXXX, the due date on the statement, and did not post until XXXX, resulting in an interest charge I should not have been assessed as the statement balance was paid in full. In this instance, Goldman Sachs backdated the payment to XX/XX/XXXX and credited me the interest charges, without my asking them to do so. With the latest episode, I scheduled a payment for the full statement balance on XX/XX/XXXX, which was also before the due date of XX/XX/XXXX, and they did not credit it until XXXX. They refuse to reverse the interest charges for this " late '' payment. They have refunded {$25.00} and say that is all they can do. They can not explain why this payment was not backdated as happened in the previous month, or why they are posting these payments late. 

They are continuing to accrue interest on my account, despite it being paid on time and in full. Today I received an e-mail saying they have closed my investigation and will not be refunding the interest charges. I have submitted a Fair Credit Billing Act dispute, via postal mail, and they have not replied to that dispute as of this writing.
Product: Debt collection

Second notice, I sent notice to this company through CFPB stating they were in violation of FDCA. They responded that the were assigned the debt. First violation- you have 5 days to send notice to me once you assumed a debt, and give me the right for you to validate debt. you did not, Second after contact through CFPB you had thirty days to validate debt, you have not. You place on my report the debt was disputed the 5 days later you report debt resolved in which it was not. 

XXXX bank report to credit report as well. You show account is open in which it can't be it's collection then you show as if your company and me have a contract in which we don't. 

If not resolved I will take to court, and force you to show contracts between me and your company and any other company that bears my signature, I will also seek Max amount allowed per violation. I have only listed 2 so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a written letter requesting documentation to prove that these accounts belong to me. I requested to see contracts, my signature etc. I also sent a letter with inquiries that did not belong to me. I did not receive a response. 

On XX/XX/2022 I disputed information that was not correct on my credit report. Everything is still there. 

It is illegal to report inaccurate things.
Product: Checking or savings account

On XX/XX/year>, I accessed XXXX of my accounts since the balance did not look right. 

XXXX as confirmed by the institution representatives on the call : The account transaction states as of XX/XX/year>, the running and available balance was {$7100.00}. 

On XX/XX/year>, I initiated a transfer from an external institution into this institution in the amount of {$6000.00}. This institution then put a XXXX business day hold on that " pending '' deposit. 

On XX/XX/year> I made a payment of {$150.00} which was rightfully deducted from the account and brought the running balance to {$6900.00}. 

The issue was discovered on XX/XX/year> because the running balance did not reflect the transactions. 

On XX/XX/year> : The running balance is {$6900.00}. 
However, the available balance shown as {$970.00}. 
What's missing from the balances is the " pending '' deposit of {$6000.00}. 

I contacted the institution representatives to discuss the issue. The following are the facts to this matter : XXXX. This institution did not and has not credited the " pending '' deposited amount into the running balance leaving the running balance at {$6900.00} XXXX. Moreover, the institution put the hold against the available balance making the available balance at {$970.00} I tried to dispute the hold against the available balance with a couple of representatives of the institution. They insisted that the available balance is correct due to the deposit hold of XXXX despite of them not crediting the " pending '' deposit into the running balance. 

The reps could not provide any reasonable explanation as to why this is the case. Numerous attempts to reason with the reps were met with same " talking points : ''
Product: Checking or savings account

We Received a Wire Transfer. Well Fargo is Holding our Funds after 2 months
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

I was in XXXX XXXX, in XXXX, near XXXX. I went to use an XXXX ( local bank ) ATM. When I went to use the machine, it would only speak XXXX. A customer prompted me to put my code in and upon doing so, the machine swallowed my card. Within six minutes, three different unauthorized transactions at different ATMs, one in a different town, were made. I cancelled the card but was forced to return to the US to get a new card. I lost the card, got no money, and have been insulted and rebuffed by Wells Fargo. I applied for loss protection and was essentially called a liar ; a second person did so, and a third, today, called and told me she had spent " two days '' investigating the claim. However, I offered the police report and the name of the person from XXXX who would have confirmed that such things do in fact take place ; Wells Fargo was not interested. Two weeks ago is when the fraudulent transactions took place. Basically Wells Fargo called me a liar, will not replace the money, and that is the story. I will take this as far as I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Being that this is my third attempt at requesting this same information and you have failed to provide any substantial information outside of a credit report in an attempt to stall the process, you now have fifteen ( 15 ) business days to reply. 

I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my items for dispute below : XXXX XXXX ACCOUNT # XXXX -EQUIFAX - ACCOUNT # XXXX These two accounts are the same exact account. After disputing the XXXX account, you then listed the same account as EQUIFAX which is double jeopardy and illegal. 

Please delete these accounts from my credit report for failure to accurately list these items. 

I started disputing these items since XX/XX/XXXX and to the current date of XX/XX/XXXX, no response or deletion for reporting inaccurate information and then listing the same account twice under two different names. I have sent a letter disputing these two items every month. So for the last 8 months no change or removal, not even a response. Just simply updated. Updated to what??? Its inaccurate.
Product: Debt collection

I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.
Product: Mortgage

I continue to receive phone calls from Wells Fargo Home Mortgage that are harassing. They will call me, I answer, the representative will wait on the line from XXXX7 seconds and then release the call. I have repeatedly called back to gain assistance from " supervisors '' as to why the harassment continues and they can never give me a reason. I am transferred around for a minimum of XXXX30 minutes to no avail. Today I was told, " the employee that called said you were unavailable '', which is falsifying company documents. They are required to state who they are, the company with whom they are calling from and the business reason for the contact. The supervisor I spoke to today stated, " Well, if you know it 's about your mortgage what does it matter if they 're hanging up and not speaking? ''
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am writing to express my extreme frustration and disappointment with Moneylions online payment system. Despite numerous attempts to make timely payments through your platform, the system has consistently failed to process my transactions. It reverses my payments without any attempt to deduct the money from my account. This is utterly unacceptable and reflects a severe flaw in your payment processing system. 

As a result of your system 's repeated failures, my account has been reported as 30 days late, which has now negatively impacted my credit report. This situation is infuriating, as I have always made every effort to fulfill my financial obligations on time. The blame lies squarely on Moneylion 's inadequate system, not on me as a responsible customer. 

I demand immediate rectification of this issue. My credit report needs to be corrected to reflect that I was never late on my payments. Additionally, I expect a thorough investigation into why your system continues to malfunction and a prompt resolution to prevent this from happening again. The level of inconvenience and stress this has caused me is unacceptable, and I expect a prompt and satisfactory response to this complaint. 


I attached a copy of the chat transcript from XX/XX/year> regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$950.00} XXXX XXXX XXXX XXXX {$770.00} XXXX  XXXX - XXXX - {$1300.00} XXXX  - XXXX - {$690.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.