23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is a continuation of Complaint # XXXX. That Complaint was unfortunately closed without resolution. I am refiling that complaint as I have additional information today. The Heartland Resolution Group called me from XXXX on XXXX. The phone rang once and then disconnected so I called that number back. The person who answered purported to be a debt collector and said that I owed a debt to XXXX XXXX XXXX. I let that CSR know I do not owe them ( XXXX XXXX XXXX  or Heartland Resolution Group anything becuase none of my medical bills are in collections or have gone unpaid. The CSR proceeded to press me for my personal information, which I declined to give. She hung up on me. I googled this company and they are a scam company with bad reviews. I XXXX  XXXX XXXX XXXX and got their number and called them. I asked for them to review my account with them, as I saw they are affiliated with XXXX XXXX XXXX, which I have gone to for medical care in the past. They advised me, on a recorded line, that I do not owe them anything, other than a XXXX dollar invoice that is being billed to my insurance company, and is under review, so it is not in collections and I do not need to take any action, as far as payment on it, at this time. When I filed the prior Complaint # XXXX, XXXX XXXX XXXX XXXX Complaints XXXX, from Heartland Resolution Group XXXX responded and basically said they can not move forward to resolve the complaint because they do not know who I am. He left this number for me to call - XXXX, which I called. When I called that number, a man answered and I asked him why is his company, Heartland Resolution Group, claiming that I have medical debt and that they are attempting to collect it, when I have no such thing. He looked up my account and provided me with their reference number XXXX and said that the medical debt is {$40.00}, it is under my son 's name, and that XXXX XXXX XXXX " gave '' them this account for them to collect from me. My son is XXXX XXXX XXXX. This CSR from Heartland Resolution Group did not give me a date of service for this alleged debt and I asked for the number they had for XXXX XXXX Phys. and he gave me XXXX, which is NOT the number for XXXX XXXX XXXX, it is for the XXXX XXXX XXXX. I called XXXX XXXX XXXX. and they told me the same thing as before, that neither my son nor I have any debt with them, they see nothing has ever been sent to collections under me or my son for non-payment and furthermore they have NOT A CLUE as to who Heartland Resolution Group is. I want to know who XXXX is, how they got my son 's personal information, why they were attempting to collect that my son DOES NOT OWE and why they were so evasive and vague when confronted with direct questions from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling a disputes, particularly in light of 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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX XXXX  ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the CRA & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX
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 15 USC 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, 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: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theExperian Consumer Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 

The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identify theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 more inquiries that are unauthorized please delete them someone is running my credit and applying for credit in my name. I have highlighted the 2 inquiries that are unauthorized in the attachment area
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a dispute with XXXX based on an inaccurate balance in a credit report requested on XXXX XXXX XXXX (attached as XXXX Report XXXX XXXX). On page 49 of this report, my total balance for one of my student loans with FedLoan was displaying as XXXX with a balance update date of XXXX. This amount was incorrect because I made a payment bringing my balance down on XXXX, which was not being reflected by XXXX while it was being reflected by FedLoan (proof of payment attached as XXXX  Payment XXXX. As of XXXX, my FedLoan balance on this loan sequence became XXXX. I have a letter confirming this from FedLoan (attached as XXXX XXXX XXXX Copy of XXXX letter.pdf). I filed a dispute Report XXXX with XXXX because of this discrepancy. Upon completion of the investigation, XXXX  correctly updated the balance of the loan sequence to XXXX on page 49 of my updated credit report (attached as XXXX Report XXXX). At the same time however, they added a comment on page 51 stating "Completed investigation of FCRA dispute - consumer disagrees." Based upon my Internet research, this appears to be a comment used when a customer disputes the reinvestigation of a dispute that is not in their outcome. This was never the case in this situation. As such, I believe the incorrect comment/compliance code was used in this situation and, unless correctly updated, is potentially disparaging of my character. On XXXX at approx. XXXX XXXX I spoke via phone with XXXX from XXXX. During the call, XXXX mentioned that the comment originated from FedLoan and there wasn't anything XXXX could do about it. He also mentioned that there is additional information in my credit report that I am unable to see as a consumer. I immediately followed up with FedLoan Servicing, and spoke with XXXX (employee ID XXXX) at approx. XXXX XXXX XXXX  mentioned that she could not see any correspondence regarding my account since XXXX XXXX XXXX and that the last action on my account was the payment I made on XXXX XXXX XXXX. She mentioned that there was no record of submitting the comment/compliance code in question to XXXX She mentioned that there was nothing more FedLoan Servicing could do and I would need to resolve this with XXXX. I also inquired whether XXXX  would be able to assist as my account transferred on XXXX, but I have been unable to reach XXXX  successfully due to systems not having my account information or excessive wait times to speak with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

am filing this complaint against TransUnion due to their failure to properly investigate an inaccurate bankruptcy record on my credit report. I provided documentation from XXXX showing they are merely a reseller of TransUnions data and do not independently source bankruptcy information. Despite this, TransUnion has maintained the inaccurate bankruptcy record without providing a full method of verification, as required under the Fair Credit Reporting Act ( FCRA ). 

I requested that TransUnion disclose the specific verification method, including the name and contact information of the verifier and details on how the bankruptcy was confirmed as accurate. However, TransUnion has not provided this information, and the record remains on my report. This lack of transparency and incomplete investigation violates FCRA guidelines and calls into question the accuracy of the information being reported. 

I am also requesting the removal of an outdated address from my credit report. TransUnion has not responded appropriately to my dispute, and I am seeking CFPB assistance to ensure compliance with FCRA requirements and a thorough resolution to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX. I currently have XXXX different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XXXX and XXXX of XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX  to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XXXX and XX/XX/XXXX XXXX
Product: Debt collection

I dont know whats going on but a debt appeared on my credit report from a bank that I had never done business with. I am a previous victim of identity theft and whoever stole my identity is back using my information again. Can you please help me rectify this problem because Im in the process of buying a house and this mistake is messing up my home buying process. I contacted the company but didnt any response. 

LVNV Funding LLC Date Opened : XXXX Amount : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of Pursuant 15 USC 1681i ( h ) ( c ) ( 1 ) ( b ) ( 4 ). Can not obtain my consumer report or credit file with ease, please see attachment. I have provided my government issued ID and mail per there request. Additionally, TransUnion has denied my access to my consumer report information via telephone as well. TransUnion has advised me the Consumer, Natural Person that I can only inquire about my Consumer report via US mail. This is unbelievable that this non-government corporation has control to deny me access to my consumer report that I never gave them permission to create. 


TransUnion has failed to respond to my certified mail and it has exceeded 30 days, as it relates to my consumer report. I have requested my consumer report and credit file but it has been ignored. 

Please see my exhibits for my file number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please disregard the submission from XX/XX/2020 To Whom It May Concern : I have recently been informed that there is negative information reported by Professional Collection Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$55.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily with 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My debit card has been hit for 2 months service with Experian in spite of the fact that I cancelled 2-3 months ago. Cant get anyone on the phone to help resolve this matter after hours on hold and they wont respond to emails.
Product: Credit card or prepaid card

I received a call on XX/XX/2023 from comenity bank stating that I have not paid my bill for two months which is inaccurate. I did not receive any information regarding what account as I have multiple credit cards under comenity bank and believe I have paid them all off. When I finally discover that the problem is regarding my childrens place credit card I log into my account and see that all my outstanding transactions are paid off but I am being charged a late fee on top of a late fee that I did not know I had plus interest on those late fees. I did know I had these fees since I am not receiving any paper or electronic statements. So my outstanding balance is purely late fees and interest accumulated which is entirely unfair as I had been charged the late fee. When I paid my last outstanding balance the payment was posted the next day however the late fee was charged on XX/XX/2023 which is when my monthly payments are due, how can a late fee be charged the same day my payment is due. I spoke to a customer service representative who said my payment due date is the XXXX of every month so why was I charged the late fee before the end of the day. Either way when I made my payment the late fee was not applied to my payment due so of course I paid the exact total of my outstanding balance.
Product: Student loan

Hi, I wrote a certified letter to Navient telling them to no longer contact me, or anyone else associated with my student loans, by phone and that they needed to send all information to me by mail. They did that for a while but I recently fell a little behind on my loans and they started up the calls again from a very unknown number. They also called my father, who is a co-signer on XXXX loan. They called an spoke with him and, of coure, were very rude on the phone. He is a retired veteran and does n't need that kind of XXXX. Not only did I send a certified letter but I have reminded them on multiple occasions that they are not allowed to call him or myself that they need to send everything in writing. They harass their borrowers and that is why I do not want to speak over the phone. I was told by a Navient representative that that does n't apply to them, that they are allowed to call me. Is this correct? How are they able to harass my father and I whenever they want?
Product: Credit reporting, credit repair services, or other personal consumer reports

the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you
Product: Student loan

I'm a XXXX veteran who applied for the Dept. of Educations ' XXXX and XXXX XXXX XXXX XXXX XXXX. I was approved for this discharge of my student loans on XX/XX/2020, with all of the loans set to discharge on XX/XX/2020. It is now XX/XX/XXXX. My loans were serviced through Great Lakes Educational Loan Services Inc, a subsidiary of Nelnet, a contractor with the Dept. of Education. 

I tried to get in contact with Great Lakes, trying to find a reason as to why my loans were not yet discharged, as they are still on all three credit bureau reports as deferred and current. They were quick to give me the runaround and claim that I needed to talk to Nelnet instead. When contacting Nelnet, I was never able to email a human being, just a standard go to our website response. When on Nelnets ' XXXX page, the discharge date was XX/XX/XXXX, but it was barebones, and only stated that I was approved for the discharge. I was back at square one, with no answers, and the debt affecting my credit negatively.
Product: Credit reporting or other personal consumer reports

Update my address, My name is incorrect on my credit report and is affecting my credit can you please take that off or updated I will upload a link in the file
Product: Debt collection

XX/XX/XXXX XXXX XXXX advised that XXXX XXXX was willing to resolve my account in full for 75 % of the total balance due in the amount of {$630.00} as to which was paid on XX/XX/XXXX. i received confirmation from XXXX XXXX that the balance was paid in full as of XX/XX/XXXX and documented on my credit as being paid in full and removed as of XX/XX/XXXX. But, XX/XX/XXXX I received a email collections notice for the balance differences between the settlement amount of {$630.00} and the original balance amount of {$840.00}. The difference was XXXX was sent to another agency for collection called The CBE Group , Inc. XXXX XXXX XXXX
Product: Mortgage

i payed my mortgage pymt on the XXXX like i always do and mr cooper has not credited the pymt although it has already cleared my bank
Product: Credit reporting or other personal consumer reports

Your agency 's blatant negligence has driven me to a state of severe distress and frustration. A recent investigation into my credit report unearthed a cesspool of unverifiable, invalidated, inaccurate, and questionable items, casting a dark shadow over my financial well-being and mental health. 

The Fair Credit Reporting Act explicitly mandates that every entry on a credit report must be 100 % accurate. Yet, the accounts under your jurisdiction, as highlighted in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in direct violation of this fundamental requirement. 

The impact of your agency 's incompetence on my life is immeasurable. I am attaching copies of all previous communications, which outline the egregious discrepancies that demand immediate rectification. 

I demand swift and decisive action to correct these violations. Failure to address this matter promptly will leave me with no choice but to pursue legal avenues to enforce my rights under the Fair Credit Reporting Act. 

I anticipate your immediate attention and corrective action.