23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I began using Tally in XX/XX/XXXX to manage my credit card debt. Initially, they provided a lower interest rate ( 18 % ) than my existing rate, and from XXXX to XXXX, they delivered on their promises. However, in XXXX, Tally raised the interest rate to 22 %, which undermined their original offer of debt relief. Once linked, Tally would sometimes " buy out '' debt without explicit notice. While the option to turn this off may have been buried in the app settings, there should be more explicit permission given to transfer over $ XXXX worth of debt overnight. 

Recently, I was informed that Tally was going bankrupt, and my account was sold to a third-party collection agency. This company has locked in the higher interest rate and is now planning to report the debt to credit agencies, which will negatively affect my credit score. Additionally, they are charging new fees ( $ XXXX {$10.00} ) for every payment! 

Tally initially promised a way out of debt by not reporting to credit agencies and offering a lower interest rate. This abrupt change in terms feels like a bait-and-switch tactic that will significantly harm my financial standing. I had worked diligently to pay down my debt between XXXX and XXXX and would have cleared it entirely if I had known Tally would sell my account to a private debt collector with such unfavorable terms. Furthermore, the consumer reports for the new company seem to indicate poor administrative strategies, commonly resulting in incorrect numbers being reported or payments not being counted correctly and promptly. 

This experience has been a breach of trust, and I seek immediate resolution, including the possibility of canceling the debt. Many Tally users are in a similar situation. 

I look forward to your response. 

Thank you,
Product: Student loan

I submitted my employer certification form for the limited XXXX XXXX XXXX XXXX waiver in XX/XX/XXXX, to FedLoan Servicing. I received verification from FedLoan in XX/XX/XXXX ( attached ) saying they still needed more time to verify whether I was eligible. I have heard nothing since then. The XXXX letter does not even say how much longer they will need or why they need more time. It has been SEVEN MONTHS now from when I submitted my application and I have yet to receive any substantive communication about whether I qualify, how many qualifying payments I have made, or how close I might be to actual forgiveness. With FedLoan now exiting the servicing business, I am not sure if I will ever get a reply before the PSLF waiver expires in XXXX, or if I will be able to rectify any errors on their part if they don't get back to me soon. 

Have they lost my paperwork? Are they ever going to respond? Calling them does not help and there is no where else to turn. It is very upsetting that there is no way to hold servicers accountable for administering vital, and time-sensitive, government programs like the limited PSLF waiver XXXX and this might mean that I miss out on loan forgiveness that I have worked for and earned, due to servicer error and ineptitude - AGAIN.
Product: Debt collection

I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
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 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 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  ) NEEDS TO BE REMOVED IMMEDIATELY 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section2 : 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 items 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

These inaccuracies are hindering me from securing my dream home, applying for new personal and business credit and also requesting higher limits on the credit cards already in my posession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained numerous times that Equifax continues to maintain a debt from a collection agency that I have never had any dealings with and should not be able to maintain my social security number. Equifax stated that the collection agency has proof my identity. However, they should not have proof of my identity because I have never had any dealings witht the collection agency and have never authorize my social security number nor name or any other information to them. I have never signed anything to authorize this. The original creditor will not speak to me because they stated that they no longer have the information because they sold it to the collection agency. But Equifax claims that they collected information from the original creditor. Not sure how, if they wouldn't even speak to me. Nonetheless, the original creditor is not the one collecting the debt of {$170.00}, but it's the collection agency that is doing so and I have not had any business or relation with the credit agency and therefore, they should not be collecting a debt that I do not owe. I have reported to Equifax in the past that debt is fraudulent and that someone must have used my identity to accrue the debt. The debt was not accrued by me. I have had a history of identity theft and that is why over a year ago, I asked Equifax to put a freeze on my account. Therefore, Equifax should not be maintaining the {$170.00} on my account for the sake of being paid to do so. This is a fraudelent debt, my identity stolen to accrue this debt and I would like for it to be removed immediately. Thank you.
Product: Money transfer, virtual currency, or money service

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

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Debt collection

In XXXX, 2017, I was notified by XXXX that there was a new collection account added to my credit profile for {$370.00}. Having never received a notice from the alleged original creditor, I was shocked. Obviously, this sent my credit score into a tailspin. Luckily, I was able to dispute the debt immediately, only to have LVNV Funding/Resurgent Capital continue to verify the debt with the bureaus, without providing the requested validation. Now, we are at the point where I have enough of a paper trail, that if LVNV Funding/Resurgent Capital does not provide proof that they could hold me legally accountable for the debt, AND that they are legally allowed to collect the debt, I will be taking LVNV Funding/Resurgent Capital to small claims court to make my argument that this frivolous collection should be removed. XXXX has indeed completely removed the debt after 4 letters, XXXX  and XXXX  have not removed the debt.
Product: Mortgage

I have called my mortgage company several times in attempt to bring my account current I am the deed owner of my property and I am trying to take advantage of all the government options available to me in order to initiate a partial claim and push my past due payments to the end of the note when I purchased my house I purchased it with an ex-boyfriend 10 years ago but I am the deed owner to the property.I need assistance in finding ways to bring my account current I am not understanding why it requires his signature since I have no communication with him and I have been living in this property and handling all house payments for the past 10 years Im running out of options
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX on behalf of XXXX violated these rights ( acct # XXXX ) According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 states that they are suppose to 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 card or prepaid card

I acquired a credit card from XXXX ( XXXX ) two weeks ago to make a down payment on a XXXX timeshare. This card was recommended to me by XXXX during the sales process. Earlier this week, I received paperwork in the mail for my " XXXX XXXX XXXX XXXX '' with my account information and instructions for how to pay online. However, when I try to create my account online using the directions provided, I keep receiving an error message stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I called the company yesterday and an employee had me walk through a couple of troubleshooting steps. After putting me on hold, they came back and told me there is a known issue with the website and to try again later in the day. I have now tried at least 20 times, both yesterday and today with no luck. I would like to pay my card in full, but their technical issue is preventing me from doing so timely.
Product: Debt collection

On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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

ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX CXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Account was paid for and creditor sent request to delete on XXXX and Equifax has listed this account for XXXX XXXX on the report as a new account of XXXX. The same account is listed 3 times as open and unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reports applicant is deceased The credit report is not available
Product: Debt collection

I.C. System Inc. Original Creditor XXXX XXXX  reported a collection account date opened XX/XX/year> in the amount {$260.00} to all three major credit bureaus XXXX, XXXX and XXXX and as result made a major negative impact on my credit score. The account does not belong to me nor have I opened a XXXX XXXX  account on XXXX, XXXX  or any other date ; I have been with my mobile carrier for ten years plus and very happy and satisfied with there service. I disputed the collection account with all three credit bureaus explaining the account does not belong to me although the credit bureaus acknowledge my dispute meets criteria under the fair reporting agency the collection account will remain on my report until XX/XX/year> which is unacceptable because the account is fraud.
Product: Credit reporting

Experian sent me letter in response to dispute about to collection accounts saying that I need to give them proof like a cancelled check, letter of discharge from bankruptcy or letter from the IRS, however I submitted a copy of my letter from the IRS stating that I 've been the victim of identity theft. This was my second dispute, for the first one I was given a letter saying the account was " Verified '' however, they refused to provide any proof. I contacted them to explain to me about verifying the account, they stated they would put a fraud alert on my account and look into it.
Product: Debt collection

Threatened with legal action to recover debt that is not that old. Would have been willing to settle debt however the company is trying to charge me more than I beleive is owed for the cards. Willing to settle this debt for more than half of what they claim is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX XXXX I filled an XXXX  report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Product: Debt collection

On my current credit report, it is stating that owe XXXX on a XXXX balance with XXXX. This was with a previous collection agency with whom I settled this debt for XXXX dollars on XX/XX/17. I received email confirmation that this debt has been settled with XXXX for XXXX and that no further collections will be pressured unless perhaps I decide to rejoin services with XXXX  which i have not. I do not understand why I am still being gone after for the remaining balance. I have the bank statement of the XXXX being taken out by the collection agency and the email confirmation proving debt was paid. I dont understand why there is a collection for the remaining balance. I have proof and I want this off my record.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX on my report and it is reporting inaccurately. There are several inconsistencies within the account which means it is not being properly validated. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off loss aid balance it sared as a Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am filing a complaint regarding a charged-off account from XXXX that is being inaccurately reported on my credit report. The account is listed with inconsistent information across the three major credit bureaus ( XXXX, Equifax, and XXXX ), which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. Creditors are required to furnish accurate and consistent information, and the discrepancies in how this account is reported are causing damage to my credit profile. 

Under FCRA, I request that this account be deleted from my credit report due to the inconsistencies and failure to maintain accurate reporting. I have disputed this multiple times with no resolution.