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

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : TRANSUNION : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On the XXXX of XXXX, XXXX, I had a physician 's visit at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ). This doctor 's office is affiliated with Texas XXXX XXXX XXXX. I submitted my medical coverage insurance ID card to the front desk prior to being seen by XXXX XXXX. On XX/XX/XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX that stated that they were calling on behalf of the XXXX XXXX XXXX in an attempt to collect a debt. I called that number and spoke with one of the company 's representatives. She informed me that I owed an outstanding balance of {$320.00} that had been submitted to the company by Texas XXXX XXXX XXXX. Prior to this call, I had never received any bill from either Texas XXXX XXXX XXXX or XXXX XXXX XXXX. I then contacted my insurance company ( XXXX ) and was informed that I was supposed to co-pay only {$20.00} for the physician 's visit. I connected that XXXX representative to a XXXX XXXX XXXX representative, and during this interaction the XXXX representative did inform the XXXX XXXX XXXX representative that the insurance company had already paid the majority of the account and that I was supposed to pay only the remaining {$20.00}. The XXXX XXXX XXXX agent promised to look into the issue and get back to me as soon as she had an update. However, I have never received any update from her or the XXXX XXXX XXXX XXXX since that conversation. On XX/XX/XXXX, I received an update from XXXX and XXXX credit bureaus that the XXXX XXXX XXXX had submitted the debt collection to my credit reports. I submitted a dispute of this account on XXXX on XX/XX/XXXX and did include the proof that my health insurance had covered the charge in my dispute. My dispute results came back on XX/XX/XXXX with the following status " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' I submitted another dispute through XXXX and included the proof of insurance coverage benefits. The results of my dispute came back on XX/XX/XXXX with the same investigation status as the one from XXXX. Although I did submit the evidence that the account had been paid for by insurance company, these credit bureaus took no action to protect me as a consumer. The balance of {$320.00} is still on my credit report and my credit score has been significantly hurt by this.
Product: Payday loan, title loan, or personal loan

Bright lending I called to pay off loan using credit card. 
bright lending interest is 699 % company refuses to take credit card payment. 

interest rates at this amount should be illegal.
Product: Student loan

I reviewed my bank transactions and it appears that on XX/XX/XXXX aidadvantage reactivated my direct deposit automatic payments that have been suspended since XXXX without notifying me ahead of time and have calculated a monthly payment amount that is higher than my past payments. I did not reactivate my payments and have not had my income based repayment amount calculated for several years and recent policy change should have lowered my payment. They have reactivated automatic payment without forewarning and i am losing out on earning intrest because of this withdrawal months before payments are actually due. I called but they were on the automated line only and i could reach a representative to protest.
Product: Debt collection

On XX/XX/2019 commenity bank contacted my husband which my marriage is XXXX, and gave him details on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I attempted to freeze all three credit bureau accounts. I was successful with two of the three. I had a problem with Experian. After entering all my data, I was informed that they could not process my request for a freeze. They allowed me to upload documents which might help get me approved. Thus, the process began. I scanned four valid documents, driver 's license, passport, XXXX  card, and social security card. Every time I tried to upload the scans I got a different error. First, I was told it could not be in color, next time I was told it could only be a TIFF file, next time I was told the grayscale TIFF was really a color file, the next time I was told after redoing the files that I had timed out, but only after my fifth attempt. This company is run by 1980 rejects. How can the government support such an archaic business? Right now, I am stuck with having to run copies and mail, while I wait, wait, wait for a decision. I only wanted to freeze my information. What frustration! 
Experian had never set the standard from which they were operating. It was only a guessing game plus two hours for nothing.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Subject : Request for Assistance with Dispute Resolution Inaccurate Bankruptcy Record Reporting I am writing to seek assistance with an unresolved issue concerning the reporting of my Chapter XXXX bankruptcy by the credit reporting agencies XXXX and XXXX. Despite a previous dispute filed and processed in XX/XX/XXXX, inaccuracies persist in my credit report that I believe are unfairly impacting my credit status. 

Background and XXXX of the Complaint : XXXX XXXX : Chapter XXXX bankruptcy XXXX. 
Date Filed : XX/XX/XXXX. 
Date Resolved ( XXXX ) : XX/XX/XXXX. 
Responsibility : XXXX. 
Reference Number : XXXX. 
Address of the Court : XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
Phone Number of the Court : ( XXXX ) XXXX. 
Dispute Processing : My dispute regarding this matter was processed in XX/XX/XXXX, but the report remained unchanged. 
Despite my efforts to correct this issue directly with XXXX and XXXX, the bankruptcy record remains inaccurately reported. The response from both agencies stated that the item remained unchanged post-dispute processing, which contradicts the actual resolution details of my case. 

Impact on Me : The persistence of this inaccurate information is detrimental to my financial health, affecting my ability to secure credit and other financial services. It is crucial that my credit report reflects accurate and updated information as per the legal discharge of my bankruptcy. 

Resolution Sought : I request a thorough reinvestigation of the bankruptcy record and correction of the discrepancies found in my credit report. Additionally, I seek confirmation of these corrections in writing from both XXXX and XXXX. 

I have attached copies of relevant documents, including the bankruptcy discharge paperwork and correspondence with the credit bureaus. I am prepared to provide any further information necessary to assist in resolving this matter. 

Thank you for your attention to this serious issue. I trust the CFPBs involvement will ensure a fair and prompt resolution. 

Sincerely,
Product: Checking or savings account

Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stolen identity unable to access my account
Product: Debt collection

Account Name : PERSONIFY Account XXXX : XXXX Reason : Incorrect late payment to credit reporting agencies. 

I originally borrowed {$1000.00} from this company around XX/XX/2019. But the interest rate was way too high for me. Originally they said I had to make payments around {$100.00} a month I do believe. Then they tried taking out over {$2000.00} a month from my XXXX  XXXX XXXX checking account. This is insane. I had to call XXXX XXXX XXXXXXXX, account number XXXX to block this company from taking XXXX out each month for x amount of months when I only owed like XXXX to them. This went on for months and I refused to pay this much because I was struggling and I am a XXXX veteran. They never gave me the chance to explain my financial situation. They then kept increasing the balance owed because now they charged it off as me owing over XXXX dollars. and it's affecting my credit really bad and I called them to fix it but they refused to help me. they told me they had already turned it over to a collections agency. I want them to fix this so i can get my credit back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax unfroze my account without my authorization. 
I froze my credit with all three credit agencies in XX/XX/XXXX. My credit has been frozen since XXXX, excluding brief periods in XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XX/XX/XXXX, Equifax provided my credit report to XXXX XXXX XXXX for someone applying for an account using my SSN and DOB. XXXX XXXX XXXX investigated the account and confirmed that it was created without my authorization. 
I have contacted Equifax ( a ) to freeze my account ( which should have been frozen all along -- I have the documentation ) and ( b ) to let them know I am filing complaints with the CFPB and the Pennsylvania Office of Attorney General. 
I have sent documentation to Equifax ( do not want to include/post it here ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some account pieces of information in my credit file ; however, there is still account that needs to be removed. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried lifting Security freeze online with Experian. Wouldn't allow me to do it online and required I submit request in writing. Followed instructions on what to submit. Provided all documentation requested. After 3 business days, still unable to access credit report. Received a letter, stating I " didn't '' provide all the information requested to " verify identity '', which is false. Made numerous attempts to speak to a live person at Experian. Unable to get through to a live Human Being. This is not the first time I've had this problem with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/2024 Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Credence Resource Management LLC ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.
Product: Credit reporting, credit repair services, 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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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: Mortgage

UDAAP This is the 2nd complaint I have had to make about Suntrust/Truist and their mortgage payment process. The other complaint # is XXXX. The front line associates ( initial call ) on today XX/XX/2021 cant answer basic questions in regards to mortgages that were excluded from BK. The calls continue to get transferred multiple times. Also I paid my past due amount as told to me by Suntrust Mortgage on XX/XX/2021 as {$1400.00} to bring current and I am still receiving pasture notices with late fees as of the statement dated XX/XX/2021 which I received in the mail today XXXX This is a violation of UDAAP. Additionally I made a {$480.00} on XX/XX/2021 and its still not reflected with more late fees.I was transferred to BK and XXXX ( XXXX ) advised me that she is in the BK area I was no longer in the Truist BK workstation so she cant see the account and she doesnt see any codes preventing others from being able to see account. I was transferred to client services ( 3rd ) XXXX who told me that the balance current shows as {$500.00} which is still incorrect since I made a payment almost 1week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is totally inaccurate and has missing information. I find this report as erroneous and have violated the FCRA rules to its inaccuracies in reporting, even if I sent several complaints to Equifax and to the company there never responded to any of my letters.
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 were impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting h Act XXXX XXXX XXXX XXXX balance {$62.00} AD XXXX XXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX XXXX balance {$190.00} XXXX XXXX XXXX XXXXXXXX balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for a section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a repayment on a credit card account under an end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

A relative in XXXX used my social security number to get XXXX XXXX services at her apartment. She left a bill of {$100.00} and I paid that bill but it is not my bill. It has brought my credit score down and hurt me in different ways financially. I would like it completely removed from my credit report. This relative lives in XXXX Arizona. They didn't ask for my ID because she doesn't have my ID if they would have done that they would have seen that she's not me. It's really unethical what happened here.
Product: Student loan

I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX  because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX  XXXX XXXX