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

I applied to XXXX and was offered a contingent offer of employment. I was contacted by a XXXX recruiter on XX/XX/XXXX stating that I did not pass my background check. Upon my further investigation I noticed that Sterling, the background check company had included incorrect information. I have been living in XXXX for most of my life outside of XXXX  duties. My report states that I have lived in multiple XXXX cities. When I contacted Sterling to dispute the inaccuracies they would not provide me with a way to do so. I contacted them via both email and phone. The representative kept repeating my traffic infraction in XXXX, VA from XXXX. That was not the meaning of my call, but he would not listen to what I was calling about.
Product: Debt collection

I noticed an account on my credit report from Optimum Outcomes for {$290.00} and was unaware of a debt owed. I tried pulling up information about the debt but could not locate anything from the company. I used the address listed on the information tab for the company and sent a certified HIPAA and debt verification letter to the company on XX/XX/2018 and have still not heard anything back from the company telling me why I owe the debt, whom I owe the debt to, nor what the debt is for. In the collection tab on my credit report it states the debt was for medical but that is all I can find out. The company was had almost 60 days to verify the debt and has not communicated with me at all. 

Certified letter sent XX/XX/2018 to Optimum Outcomes XXXX XXXX XXXX # XXXX, XXXX XXXX, IL, XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX NC XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Member Number ID XXXX Subject : Dispute of Incorrect Charge-Off Entry on Credit Report Dear Experian, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the charge-off reported by XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, Amount {$54000.00} is erroneous and does not accurately reflect the current status of the account. 

XXXX. XXXX XXXX account date opened XXXX no account number {$3100.00} reported has a charged off with no account number to identify it my account. 
XXXX. XXXX acct XXXX date opened XXXX. Balance report {$3600.00} XXXX. XXXX XXXX  account number XXXX Account {$3700.00}. Date open XXXX Under FCRA Section 611, I have the right to dispute incomplete or inaccurate information, and the credit bureau has a legal obligation to investigate the matter thoroughly. I have reviewed my records and identified that this charge-off may have been reported inaccurately due to the following : XXXX. Federal Case Status : This account is related to XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX ) .The plaintiff claimed that the defendants violated the FCRA by inaccurately reporting her debt as charged off. The court 's ruling highlighted the critical role of accurate reporting and the necessity for plaintiffs to present substantial evidence of inaccuracies and resultant harm. which is impacting my credit report.

2. Violation of Reporting Guidelines : As per 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy. Reporting a charge-off while the account is under dispute or litigation may constitute a breach of this requirement.

3. Reinsertion Rules : If this charge-off has previously been removed or disputed, reinsertion without proper validation under FCRA Section 611 ( a ) ( 5 ) ( B ) would be unlawful.

4. Including the Data breach at Experian in XXXX  and XXXX. Failure to properly investigated disputes please See Consumer Financial Protection Bureau, Plaintiff, vs. Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX Filed XX/XX/XXXX. 


I request that you investigate this matter promptly and either verify the accuracy of the charge-off with proper documentation from this Companies or remove the entry from my credit report. Enclosed, please find the following documents to support my dispute : Copy of the credit report showing the disputed entry Please complete this investigation within the 30-day timeframe mandated by the FCRA. I expect written confirmation of your findings and the resulting actions to be taken regarding this entry. Requesting the removal of this negative information and account of my credit report. 

Should you require further information or documentation, feel free to contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

XXXX XXXX XXXXXXXX XXXX, or Mohela, sent me ongoing emails regarding student loan repayment with the following information being the latest : " Your Student Loan Payment is Due : XX/XX/year> Current Due : {$3300.00} Past Due : {$10000.00} Total Due : {$13000.00} " What Mohela fail to understand is that I am currently enrolled in school, should ne on loan deferment, and my loans, as agreed, should not kick in for repayment until 6 months after my expected graduation later this year or Spring of next year. Because is has been month of delinquency, per Mohela, they have now sent me a delinquency cascading letter as a threat. 

Please note that I have reached out to Mohela to clarify this issue to no avail, as they have high call volume over 30 minutes with no customer service specialist answering the phone and with no response online after I sent a message to them addressing this issue. I also tried to reach out to my institution, XXXX University, to figure out why Mohela is billing me for repayment while I am enrolled in school and why there is a gap of communication between them and Mohela. The institution usually notifies them with verification of my enrollment. 

Your consideration and assistance regarding this matter is greatly appreciated.
Product: Credit card or prepaid card

This fraudulent charge happened XX/XX/21 at XXXX of {$1400.00} at XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX MARYLAND XXXX With the name of XXXX XXXX as stated by discover through mobile wallet XXXX XXXX  with my discover card. 

I received a text asking if I made this transaction the day the charge was made and I replied no. I immediately called them and they gave me a new account # and credited me back the amount. They said they would contact me again for further questioning. Assuming that this has been taken care of since they gave me credit I thought I didnt have to worry anymore. 

XX/XX/XXXX, I check my discover card and I see the charge is posted again. So I call them back and they said they tried to contact me with further questioning and left me a voice mail and letter. I told them I never answer unknown calls and my voicemail wasnt set up since I updated my phone and didnt get the messages till I set up my voicemail the day of XX/XX/XXXX when they already closed the case. Plus I just moved into a new apt in XXXX so my mail could of been mixed up. 

I then asked how and who made this charged and what was the reasoning of resolving this case Below are the reasons : -a charge made through mobile XXXX XXXX had to be used with my physical phone and XXXXXXXX XXXX  login to authorize a charge -I didnt follow up within the 60 days ( which I explain above ) I live and work in XXXX when this fraud happened, so why would they resolve this case when they told me an XXXX XXXX made this charge in Maryland. I also have no authorized users on my account nor have anyone permission to use my card or phone with personal information. How can Discover say a man named XXXX XXXX made this purchase in Maryland where I have never visited and still believe I made this transaction when I was in XXXX with my physical phone on me. 

I asked for a written document of the reasons above and they would not give me one without a subpoena. Then asked for a re opening of this case. I sent them screenshot documents of a possible reason that I was hacked through my phone with XXXX  security update of stating that my information may have been compromised on XX/XX/XXXX. I also filed a police report on XX/XX/XXXX which they didnt do much to investigate the fraud since it was in Maryland which wasnt helpful for me. They then sent me an affidavit that I signed agreeing that it was a charge I did not authorize on XX/XX/XXXX. I followed up with phone calls making sure they received this information on XX/XX/XXXX, XXXX, and XX/XX/XXXX which they then told me there still wasnt sufficient evidence in resolving this case and there isnt any more recourse to be done. 

As you can already tell how frustrating this is as this is a clear case of fraud and personal hacking And I tried my best to give them as much info involving the police and any documents. I will now have to file a small claims against Discover to win this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX went to my bank to apply for a home loan in which I was denied. I was informed by my banker that the reason for my denial was due to a delinquent auto loan that was no my credit score. This came as a shock to me since I have only financed XXXX car in my life and I am currently still driving and paying on this vehicle. I was also informed that the delinquent auto loan account was held by XXXX XXXX, which alerted even more red flags as I have never done business with XXXX XXXX  in my life. It was clear to me that I was now a victim of identity theft and someone had obviously taken my information and applied for a auto loan in my name. I have filed identity theft reports with my local police department case number ( XXXX ) and with the FTC, reference number ( XXXX ). Under the FCRA it is the responsiblity of all credit reporting agencies to ensure the accuracy and completeness of all accounts and information that they fursh. Upon pulling my credit report I have seen numerous inaccurate accounts, addresses and personal information on my credit report. I would like XXXX, Equifax and XXXX to help in correcting this already nightmare of an experience and please remove the inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 extortionXXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00} DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Please be advised that this is my 3rd time reaching out to Equifax in reference to collection and charge off accounts on my credit report that are not mine. I have sent in a copy of my social security card, ID, and a current bill and they still have not fully and properly investigated into these incorrect debts reporting on my credit report. These negative items are not mine and they are effecting me negatively with purchasing a home and the negative marks are also making me look " risky '' to other lenders. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had 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 consumer safety.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a credit card with JP Morgan Chase Bank on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX Chase closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.
Product: Mortgage

My loan was transferred to Cross County Mortgage XX/XX/2024. First of all I'm XXXX living on a low fixed income. I bought my house using my housing choice voucher. My housing authority pays a portion and I pay the rest. When my loan transferred on XX/XX/XXXX there were a lot of kinks. It was not a smooth transaction. I couldn't even make my mortgage payment for XXXX until XX/XX/2024 and then I made two payments. The one for XXXX and XXXX. I was told not to worry about making my payment that I there was a grace period for 60 days and I would not be charged any late fees. Then I started getting emails and calls about missed payments. I haven't missed a payment once since buying my house and the only reason I was late is because the mortgage company was lost. I got a letter mentioning foreclosure and now they want me to pay them {$30.00} because the XXXX  drove by my house and did a property inspection because I was " late on my payment ''. I WAS NEVER LATE. I've already told Cross Country Mortgage that I'm not paying the {$30.00}. Just because they couldn't get and still don't have their shit together is not my fault. I owe them nothing and am paid up as is my housing authority. I'm XXXX, XXXX and have multiple heath issues I do not need this stress. My credit was even threatened today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Student loan

I applied for XXXX numerous times. Sent in my application to MOHELA, they never transfered my XXXX to DOE in the summer when XXXX processing was transferred over. I received a letter that my closed employer IS nonprofit- but no one has processed my XXXX proof. My employer was approved in XXXX for XXXX and I was told XXXX weeks for XXXX processing. Its been XXXX  months. 

I reapplied and resubmitted everything again. I keep getting generic replies that list my payment count, eligible payments and when I qualify for discharge. I qualify now and I did for months. I keep having to pay monthly but I qualify now for forgiveness. No one has been able to help me with my XXXX being approved so that my forgiveness can process.
Product: Credit reporting or other personal consumer reports

In a

ccordance 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. These accounts and Inquiries have 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.