23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX County Precinct XXXX  incident includes both XXXX and XXXX XXXX # XXXX Collection was put on my account for a XXXX XXXX bill for {$620.00}. This was put on my credit account first XXXX by Transworld Systems without any validation of the credibility of this account. Although they have been notified this is fraud it has been reported since then to XXXX and XXXX, and possibly XXXX. My account has been frozen and I pay to have it monitored by them due to fraud by XXXX. I have never had a XXXX XXXX account. Last year I battled XXXX who started out saying I owed them about {$860.00} for XXXX which later became more than {$1300.00}. I fought them I believe until XXXX of last year 2019 to prevent that from going on my credit because I discovered it when I went to activate my XXXX watch and they claimed I had an unpaid bill. It was not my account and I was unaware of that account until then. I had about 14 years of cell service with XXXX and no late payments. I also had XXXX for about the same length of time at XXXX XXXX XXXX XXXX XXXX Texas XXXX where I have lived for about f9 years. I have never had a XXXX acct or a XXXX XXXX account., I have never had a XXXX XXXX account. These were both opened in my name according to XXXX who is the only server in this sleezy apartment complex in XXXX Texas where I have never lived. They opened the XXXX XXXX acct in the same time frame and at the same service address. TSI added the apt address to my account. I have never lived there and they had no right to report that as my address.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove late closed and charge-off entries from my credit file. I have made several requests to address these issues, but despite my efforts, the negative entries persist on my credit report. 

I have attached supporting documentation, including evidence of the resolutions and settlements reached with the respective creditors, as well as any relevant correspondence confirming the closure of these accounts. Despite providing this information on multiple occasions, the late closed and charge-off entries remain on my credit report, negatively impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. The persistence of these inaccurate entries is a violation of my rights as a consumer, and I request immediate action to rectify this situation. 

I kindly request the following actions be taken : Thoroughly investigate the inaccuracies in my credit report related to the late closed and charge-off entries mentioned above. 

Promptly update my credit report to reflect the accurate and resolved status of the accounts in question. 

Provide me with a written confirmation of the corrections made to my credit report. 

I appreciate your attention to this matter and expect a timely resolution. Failure to address and rectify these inaccuracies within the stipulated timeframe may compel me to escalate this matter to regulatory authorities. I am asking for your assistance to remove these late closed and charge off accounts in my credit file:1. XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
3. XXXX XXXX Balance Owed : {$160.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
4. XXXX XXXX Balance Owed : {$560.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/23 I do not recognize this inquiry
Product: Mortgage

There was an old HELOC from Citizens Bank that had a XXXX balance that had been closed for several years that came up on a title search while I was trying to sell my single family home. Two weeks prior to closing date at or around XX/XX/XXXX, my real estate attorney requested a discharge statement from Citizens Bank and was told that they would ONLY speak to the borrower ( me ), so I called up ( XX/XX/XXXX ) and attempted to obtain a discharge letter but had no loan number ( this HELOC was over 10 years dormant/pain off ) and Citizens would not even tell me the loan number even after verifying my SS # and personal information. They then told me that it would cost me {$100.00} to generate a discharge letter as a " fee '' and despite arguing with them that we would record the discharge at closing, they would not even begin the process without this fee. So I paid the fee ( XX/XX/XXXX ) and was told it would take XXXX hours ( XX/XX/XXXX ) to start the process. Two days later I called back ( XX/XX/XXXX ) requesting something in writing saying that the discharge was in process so we could keep the closing date ( XX/XX/XXXX ) and the representative told me that they put the request into the " back office '' and that a letter stating they discharge paperwork was being processed would be emailed and mailed within 48 hours ( XX/XX/XXXX ), and now it is XXXX day prior to closing ( XX/XX/XXXX ) and I still have no paperwork and despite several calls to customer service with very ineffective and difficult representatives, I still have no paperwork nor do I have a discharge and the closing is in jeopardy and the entire sale may fall apart because of Citizens Bank and poor service. The only customer service rep ( out of about XXXX ) that was helpful was a woman named " XXXX '' who said she's working on it. 
Later in this request, the screen prompts me to provide a loan number or a mortgage number. As I mentioned, Citizens Bank would NOT provide this information to me even though I verified my identity and they indeed were reviewing the old HELOC on their end. The Case # they provided was XXXX that is all they would give me
Product: Checking or savings account

XXXX XXXX I call and they said they owed me {$1200.00} they would mail me a check I called them again and they said a check was mailed on XXXX XXXX I havent received a check Now if I cancel the check they can reissue a check but it will take 45 to 60 days
Product: Credit reporting or other personal consumer reports

information sold to a third party that need to prove that I owe this debt to them
Product: Checking or savings account

I made a check payable to the US Treasury Department on XX/XX/2018. A PNC customer ( named XXXX ) deposited the check into their own account ( it seems to be a business customer ). I have contacted PNC and XXXX and neither have responded despite my 3 times to contact them
Product: Credit reporting or other personal consumer reports

I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HSITORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in XXXX business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the XXXX  business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian dated XX/XX/2020 by certified mail. Experian received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I called Experian a few times to get more information about these inquiries. I was told that I would have to contact each company separately. Before I called them back, I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with Experian. I followed up with a call back to Experian. I was put on hold 3 times and I was also transferred a few times. Not sure who the first person it was that I spoke to, but I also spoke to a XXXX before being transferred the first time and a XXXX the last time. I was finally told the fraud department was down and I had to call back. Each time I called back I could not reach a representative. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXXXXXX account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a hardship payment plan with XXXXXXXX in XX/XX/XXXXXXXX agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, XXXX is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money XXXX  wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX XXXX " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through Experian explaining all of this with documentation and nothing changed, XXXX has put " Charge Off '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 

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

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$7200.00}
Product: Student loan

I attended XXXX XXXX for XXXX XXXX. I completed my paperwork through XXXX and I was making payments to XXXX XXXX XXXX while I was attending school. Apparently, my loan was sold to another company and now they're saying that owe {$8000.00} for XXXX subsidized and XXXX unsubsidized loans. I was XXXX payments away from paying my debt in full and now, I'm being told different. Where did my ( XXXX payments of {$690.00} = {$4800.00} ; which left a remaining balance of {$2000.00} ) go? I contacted aidVantage ( who apparently bought this loan, unbeknownst to me ) and they were no help! They claim that they have no way of knowing what payments were made. I told them I could send them the proof and they said no. How can I fix this by paying the {$2000.00} which would pay the loan off? This company is now charging interest on something that was almost paid, but nowhere near the {$8000.00} they're trying to get from me now. HELP!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : 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

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written request, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

COMENITY BANK/EXPRESS is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/24
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, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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 un accountability and transparency is unacceptable and raises, serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason. 

Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company. 

Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went. 

However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life... 

What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting. 

I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.
Product: Mortgage

I am filing this complaint against Wells Fargo due to the malicious nature in which they handled my review for mortgage assistance. 
On XX/XX/XXXX, I applied for mortgage assistance. The review was concluded on XX/XX/XXXX with Wells Fargo stating that they could not create an affordable payment. They claimed that our household income was calculated at $ XXXX/month. This is false. The application and bank statements verified this. 
We were given a chance to appeal and we sent in bank statements again, on XX/XX/XXXX to back up our income. On XX/XX/XXXX, they again denied assistance for the same reason. It was informed that the income was calculated as so because my husband is a 50/50 owner of a business and split his income. 
What made no sense was the bank statements and our application ONLY showed OUR income and NOT his partners. We are the applicants, so its common sense that that what we provided is ours and ours only. On XXXX XXXX part, we feel that this was done with crooked intentions. They deliberately cut our income in half to deny us the chance to keep our home. 
On XX/XX/XXXX, these falsified results were disputed. A rep named XXXX advised us to draft a letter informing that all income shown and provided is ours, only ours and all 100 % of what the P & L and bank statements show are ours as well. It was also suggested to request our income to not be cut in half. The letter was drafted to include in a file for re-application. 
A new application with all current and up to date documentation was sent on XX/XX/XXXX. The bank statements had all of my husbands deposits highlighted. The letter as suggested on XXXX was also included. 
Finally, on XX/XX/XXXX my application was again denied for the same reasons as the previous. This time they had calculated my income as {$1900.00}. This is a total lie and totally fabricated. The bank statements show almost 3 times this falsely calculated income. The bank statements also show only our name as well, NOT his business partners as well. The letter stating that all income shown is 100 % ours was also blatantly ignored. Wells Fargo has refused to acknowledge any wrongdoing or any remorse for their crooked mishandling of my application. 
I had placed my trust in Wells Fargo to do the right thing for my family and all they have done is falsify information, lie to us and cause me extreme grief and stress. I came to them to help me in remedying this situation and all they have done is spit on us. I have lost months of sleep. I do not want my children to suffer or to lose their home. I feel very helpless and am hoping that you can help. Why are they cutting our income in half and ignoring our request that they themselves advised us to write up? I am truly horrified with this experience and never knew that Wells Fargo could be so malicious. Please, I just want them to review my application without and of the crooked games. We just want mortgage assistance so we can go back to paying the mortgage again.