23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received this email : Please see below. 

Lawsuit Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a Premier Student Loan Center, et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. https : XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver gets many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer. 

The Companies which have been sued : XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; Some of the other names defendants used include the following : XXXX XXXX XXXX XXXX ; XXXX 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 ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company (   XXXX   XXXX    )  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgag e Billing Statement ( attached ) da ted  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the exec uted Loan mod ification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect.  ( S  ee atta chment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has gr eatly affected my credit score.  Any assistance you can provide would be very much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX loan with XXXX XXXX XXXX and I set up auto payment monthly. Last XXXX the car was total loss. My automatic payment stopped somehow after making payment in the end of XXXX when I was outside of U.S. The XXXX XXXX XXXX XXXX XXXX XXXX had issued the balance check to XXXX in XXXX. But for some reason XXXX didn't received it then the insurance company re-issued and XXXX  received and deposited which made my balance XXXX. 
But when I came back I found that my credit score was severely decreased because of the earlier delinquent amount. I never stopped the payment. I don't know who stopped the payment without notification. I mailed XXXX  about the dispute 20 days ago and got no response until now which affected my application for mortgage recently.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has Been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that you, the TRANSUNION Credit reporting agency , block information appearing on my consumer credit report within 4 business days of you receiving this complaint. This inaccurate unauthorized fraudulent account ( XXXX XXXX ) was previously disputed, blocked & deleted, then reinserted and is the Result of fraud and identity theft. XXXX. ) Identity Theft. ( XXXX XXXX. ) Please perminately block, remove this inaccurate, fraudulent acct from my credit report. Failure to respond satisfactorily will result in legal action against your Agency.
Product: Debt collection

After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was scammed by a fraudulent account of someone that I have met personally. They were not this person that I met earlier this year ( fake dupe page of the real person/service provider ). The real woman I know of was named XXXX. They claimed to specialize in growing and selling XXXX and XXXX accounts, which are different niches that could help promote/sell related products like dropshipping etc. The cheapest account was XXXX followers page for {$10000.00}. So I was duped into buying one on XXXX XXXX split transactions to a business account- half on XXXX, half on XXXX  that wasnt hers or a company owned by the real woman. Her also, made-up assistant that she had me contact, XXXX, never said anything about it taking several days. She mentioned it would take XXXX hours via email. When I started questioning it because I still hadnt received it by day XXXX, and started to believe she didnt even have what she was selling. Several inconsistencies started to come up as far as her identity compared to the woman, XXXX, I met at the mixer earlier this year. I asked for a refund because it seemed odd. She accepted and I have several screenshots of the agreement of a refund on my behalf. She then stopped responding XX/XX/2024 and I still have not received my refund. And when I called out that she was not the real XXXX, I was blocked. 

There are other details, but I submitted those along with proof and conversations in my police report with the XXXX XXXX, tracking number XXXX. 

I then contacted my bank, Wells Fargo, and although they agreed that I was scammed through an impersonator/fraudulent person and service, they chose to classify it only as a scam and refuse to refund me, chargeback the fake merchant or disclose any other details as to why it wouldnt qualify for any action on their end. The woman I spoke with from the XXXX department, was XXXX, XXXX or XXXX on XX/XX/2024 at XXXX EST. As for XXXX, Wells Fargo told me to call XXXX, but XXXX told me to call my bank since the funds came from the banks balance, and when I called Wells Fargo Back, they said nothing could be done about it since XXXX was just responsible for sending the amount to the recipient. No matter if it was the wrong person, it was misspelled, a fraudulent person, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against UPGRADE for inaccurate credit reporting, violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows an account with UPGRADE as " charged off ''. {$7800.00} However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices. 
Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe [ Creditor Name ] has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
Additionally, this account is not being reported consistently to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). This inconsistent reporting further violates the FCRA 's requirement for accurate and complete information, as stipulated in 15 U.S.C. 1681e ( b ).

I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA.

I request that the CFPB investigate this matter and require UPGRADE to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Ensure consistent reporting across all three major credit reporting agencies Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of [ Creditor Name ] to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your agencyXXXX

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Checking or savings account

I opened up a money linked cd with flagstar bank in XX/XX/XXXX on behalf of my brother. My brother died on XX/XX/XXXX and I filed a death put claim with flagstar. Flagstar submitted the claim to XXXX which is the broker. They in turn sent it to XXXX who has to buy back the stock. As of today the claim is still pending with XXXX. Usually death put claims take 30-60 days and it has been longer than that with no idea when XXXX will pay off the claim. The claim was put in with Flagstar on XX/XX/XXXX. I cant get any information from XXXX because I dont have an account number associated with XXXX.
Product: Money transfer, virtual currency, or money service

I am 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 user vulnerable to scams. 
The 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

This complaint is regarding an account i have on my credit report from XXXX XXXX XXXX that has a negative impact on my credit report. I sent my first letter to Experian on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Experian is unable to provide a copy of verifiable proof. 
On XX/XX/XXXX I sent my second written request to Experian asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account. 
On XX/XX/XXXX of XXXX I sent my third written request to Experian because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Experian did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Experian because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 
They have received all my letters, I have not received a response through mail although I have requested it and the account is still on my credit report. 
This has impacted my life in such a negative way, and the stress that has put on my life is overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing my kohls account that is on my credit reports. The account has never been paid late ... XXXX  has investigated this and corrected it to show as a positive account however upon reviewing my XXXX  credit report today XX/XX/XXXX it is still showing as a negative account and will go to positive in the year XXXX. This is hurting my credit with this account reporting incorrectly. I have disputed this numerous times it has never been paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It appears that XXXX XXXXXXXX XXXX the Company ) successfully received a judgement for {$200000.00} against my former employer and attached my name to the judgement. As I was only an employee, I did not feel that I would be subject to any judgement and did not have the funds to hire an attorney. I hadn't worked for the employer since XXXX  and since have worked out of the state and further due to covid19 had to take employment abroad. My employer has since ceased operations and is no longer in business. 

With excellent credit I was recently turned down for renting an apartment and thus checked my credit report, to my surprise the company XXXX XXXX ( an apartment management company ) appears to have hired a Collections firm XXXX Southwest Recovery Services, XXXX TX ) reported a collections for {$200000.00} on my credit report as an upaid debt. This will cause devastating damage to myself and my family as it marks my otherwise good credit negatively. I believe that this company has done everything in its power to attempt to ruin me financially with this civil judgement, and now I believe has illegally obtained my SS # to negatively impact my credit. 

I am requesting assistance to make a complaint against both the Company and Collection agency and ask for an immediate removal of this negative credit mark. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for not properly investigating fraudulent accounts on my credit report. Despite my submissions, Equifax are responding with them updating the account as verified, but they have not sent me any proof of validation that the account belong to me. This practice violates the FCRA 15 USC 1681, which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting accuny # 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 rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit card or prepaid card

I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation. 
Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA. 
Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.

Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. 
I require the correction or deletion of any inaccurate or unverifiable information from my credit file. 
I request a full and detailed report of your investigation and the steps taken to resolve this matter. 

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. 
Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.