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

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

This is an update to the Case number : XXXX. 

After contacted my insurance company, it 's determined that the XXXX XXXX of Georgia has submitted the wrong claim and the insurance company request to resubmit the claim. However, when I discussed the option to XXXX XXXX from Creditors Bureau Associates of Georgia she denied but asked me to contact the insurance again to ensure whether they are willing pay or reimburse if I pay her company first. She has tried to make the case harder for me to resolve.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I filed a price protection claim with my Chase Freedom XXXX credit card for a purchase I had made. The amount of the price protection refund was to be {$120.00}. 

The initial process of filing the claim through the official site was not smooth. Across multiple computers, and multiple days, I could not get the site to properly function. I eventually had to reach out to Chase to have them email me the form so that I can manually email it back. I believe these defects in the site to be intentional, as a way to frustrate people into not filing claims. 

Several weeks later, I log into the online tracking site ( XXXX ) and see that the claim is pending with a final decision to be made within 5 business days. 

Several more weeks later, on XXXX XXXX, I follow up with the credit card company and I am informed that the complaint should be handled by the end of the week, and I should see a decision on my claim. 

Again, several more weeks pass, and still no movement on the claim being resolved. 

I call Chase again on XXXX XXXX, and they had still not processed the claim, or made any movement whatsoever. The status was still the same as when I had called previously on XXXX XXXX. 

My worry is that per my guide to benefits, the claims must be filed within 21 days of the date of the sale advertisement for the claim to take effect. My claim was filed well within that timeline, but due to the long turnaround time, I worry that if Chase denies the claim due to some sort of a paperwork error, I will not be able to refile the claim as I am outside that window. 

In addition, per the benefits guide, a claim file is only open for 60 days from the date of the claim. Due to the long turn time from Chase, there are only approximately 5 days left before the claim file is closed. 

In addition, as a member of the XXXX XXXX XXXX on XXXX XXXX, I am about to conduct a XXXX move to a different duty station within the next 30 days. I am worried that because this process has taken an extended amount of time, any refund check that Chase will send to me will get lost in the mail forwarding due to my change of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX Acct. # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

i have contacted XXXX XXXX XXXX multiple times and found out when i went there in person they are now BOK financial. XXXX XXXX XXXX XXXX, XXXX XXXX. they gave me the phone number in XXXX Oklahoma for the mortgage portion. XXXX spoke to XXXX and then supervisor XXXX XXXX and i requested the information, he refused to give it to me. 
i requested a payoff amount they refuse to give it to me because im not the original person on the loan, it is my parents and they are both dead.. my name is on the deed with rights of survival ship i and the mortgage company 6 times have sent death certificates and copy of deed also my ID showing who i am and the i am the legal owner of the home being sold. when i called him he asked for my middle name aso its XXXX a very XXXX name and their attitude was worse, not only are they not allowing me my legal roghts to know how to pay off their loan in good faith, but they are also RACIALLY DISCRIMINATING me because in XXXX and i don't live in Oklahoma. i am requesting immediate assistance in this matter and a attorney to sue them for breach of contract and stress pain and suffering can you help me. my escow manager in charge is XXXX XXXX at lawyers title in XXXX Arizona XXXX can confirm all documents were sent. XXXX XXXX went as far as insinuating that she was lying about sending documents and requests. considering were in mourning over the recent death of my father they are being unjustly unfair.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX XXXX  account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. XXXX : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid offXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In Transunion : XXXX updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to follow up this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 receive calls at least XXXX times a week multiple times a day about the loans the times I have asked for information in writing all I get i request in the mail for me to call them. I have requested information about the loan in the form a of a statement and I get nothing. My loans were consolidated and I haven't heard anything from them for over XXXX years.
Product: Mortgage

To Whom It May Concern, The purpose of this letter is to give explanation of a credit reporting error in regards to our loan with Mr. Cooper for XXXX XXXX XXXX, XXXX, CA XXXX. 
First and foremost, we have never paid a late mortgage for any of the 20+ properties we own and manage. I have included the past 18 months of payment history ( attached ), printed directly from our banks website, for XXXX XXXX XXXX/Mr. Cooper. Payments were always made before the XXXX th of each month, or else they would be considered late by Mr. Cooper. 
Our credit has been negatively affected and our refinance put in limbo due to an incorrect assessment by Mr .

Cooper. We have been given two 30-Day Late charges for this loan with Mr. Cooper as a result of this error. 
Despite having our own insurance policy for XXXX XXXX XXXX ( see attached letter from our insurance broker and declaration page ), Mr. Cooper decided to place hazard insurance without notice or authorization. 
The lender placed insurance created a shortage in our impound account, leading to an increased impound amount, again without our knowledge or notification. Please see attached escrow statements. Furthermore, the contact phone number associated with this mortgage account was not our, further displaying Mr. Coopers disorganization and unprofessionalism. 
Our payment history shows our payments made in full and in a timely fashion. The discrepancy has come about because of the impound adjustment and an underpayment made because of this adjustment. Mr. Cooper has done a poor job managing this loan ( loan was refinanced XX/XX/2020 with XXXX XXXX ). There have been refunds for escrow overpayments, assessment for escrow shortages, and virtually no communication at all in regards to this mortgage ( insurance info, notices, etc. ) It is bewildering that we received two 30-Day late credit hits on two {$200.00} impound increases because of Mr .

Coopers disorganization. We are already in the process of disputing these negative credit reports with all three credit agencies and with Mr. Cooper. 
These oversights by Mr. Cooper show that they poorly managed our mortgage account and we believe that we should not be penalized for this. 

XXXX XXXX
Product: Debt collection

I received a call at a phone number ( XXXX ) that is new to me. I 've had this phone number for less than one month. As soon as I received this phone number it was placed on the 'do not call ' list. On XXXX XXXX, XXXX at around XXXX XXXX I received a call from XXXX. A message was left not indicating who they were attempting to contact. The message indicated it was from Argon Agency that was attempting to collect a debt ( again not indicating who they wanted to contact, just that wanted money ) and to call back at XXXX and reference file # XXXX. 
There are no debtors at our number. There in no legitimate business reason for this number to call us. Please enforce the 'do not call ' list. Legitimate companies would identify who they are attempting to contact. If this is a 'shake-down ' from anyone who answers the phone ( not a specific person regarding a specific debt ) please refer to appropriate law enforcement agencies for criminal investigation.
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 was 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Jefferson Capital is email account info through email it is against FDCPA VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX  XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : Upon inspection of my credit report I noticed the following personal information is incorrect : My full name is : XXXX XXXX There should be no other name listed please remove any other that remain My current address is : XXXX XXXX XXXX XXXX Pa XXXX There should be no other address listed please remove any other that remaim XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone is number : XXXX Please update your records properly Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on XXXX of my accounts. I notice that this particular account XXXX XXXX ( XXXX XXXX ). Ive never been late on this account and it shows as an open account when this particular was closed on XXXX XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Product: Credit reporting or other personal consumer reports

On XXXX I received notification from XXXX that a collection was added to my credit file. Upon checking it showed an account by a collection agency called CREDENCE RESOURCE MANAGEMENT. The information contained in this account is not anything that I am familiar with. I have never received communication from CREDENCE RESOURCE MANAGEMENT in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, CREDENCE RESOURCE MANAGEMENT proceeded to then add it to my XXXX credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to XXXX, XXXX and XXXX XXXX weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by Fenton McGarvey Law firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX  was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payment, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed XXXX  and Fenton Mcgarvey several times more than 20 times with the attached settlement agreement sent by XXXX  and the total amount of payment made to the new debit collector. See attachment of email from me and my attorney. XXXX sent me a credit report which states that there is one negative report on my report. I disputed it with XXXX. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. XXXX XXXX CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by XXXX XXXX is severely affecting my mortgage loan application. I humbly request the CFPB staff to take immediate action and order XXXX XXXX to remove the inaccurate credit reporting. see attached files from XXXX  report on XXXX XXXX CC and supporting evidence that I have paid the loan as per settlement agreement.

XXXX XXXX must report as XXXX balance. thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. thankyou XXXX XXXX