23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to barclays. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
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 claims adequately. They informed me that recovering lost funds was impossible and 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 accountability and transparency is unacceptable and raises concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.
Product: Credit reporting or other personal consumer reports

Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Credit reporting or other personal consumer reports

I am sending this complaint today to request your assistance in investigating and resolving alleged identity theft items that have appeared on my credit report by Credit Bureaus. I believe that I have been a victim of identity theft, and I would like these fraudulent items to be thoroughly investigated and, if found to be inaccurate or unverifiable, promptly removed from my credit file. To provide relevant details, I would like to explain the situation and present the necessary information for the investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within XXXX business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Payday loan

I took out an outrageous high interest loan with Cash Call Online to get into a home so my family was no longer homeless. I was making regular payments ... .so much so that at XXXX point I should have been done with the loan. The loan was at some point sold to another company XXXX XXXX XXXX XXXX. The times the loan started coming out of my account started changing which effected other bills. Between that and another bill ( furnace was n't working properly which shot up electric bill ) I ended up losing the place I was renting. The new company contacted me about signing new documents and getting payments taken out of bank. I tried to explain to them I should have more than paid but their records were n't showing that and he just needed me to electronically sign these papers. I asked him to mail them because I did n't have access to internet any longer and expained the payments were still coming out of my account. Never heard another word from them. But the payments kept messing up my bank account and severely over drawing it. The bank manager suggested I put a Block on the next payment and then close the account. Which I did ... .The new company miraculously called asking where their payments were. I explained that they should be done, what was going on, including losing residence and overdrawn account. He said their was nothing they could do that I needed to sign those papers and set up payments or they would report to Credit Bureau and or take me to court. I heard nothing more from them and stopped receiving email correspondence until today. XXXX Out of no where a lady from a XXXX number calls and starts in on me about a loan I took out that I need to pay over XXXX from XXXX XXXX. ( Mind you I am at a completely different address, with a different phone number that is not under my name, neither of which I gave them due to not having a way to contact them. They do n't provide numbers to call ... they just call you from random numbers or send emails. ) I try to explain to her I 've never even heard of that company and she returns with fact they were once named Cash Call. So I listen. She offers a settlement of XXXX but tells me I have to give her credit card or debit card info to have it drawn out Friday to secure the offer with them. Everything sounding so fishy I just told her I did n't have my card on me that she would need to call back. I 've been doing my research. I am not the only XXXX going through this nightmare. I am afraid to just give my info over the phone to them, especially after all I have lost already. I need help/advice how to proceed without losing even more. Please and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a credit card with XXXX  XXXX XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX XXXX XXXX was established. 

But then XXXX  XXXX XXXX made TWO additional inquiries to my Experian credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. 

XXXX  XXXX XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections, hard inquiries, and personal information. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts need to be removed XXXX XXXX XXXX XXXXXXXX closed on XX/XX/XXXX XXXX  loan closed account remove account transunion closed accounts auto loan cXXXX XXXX ( it was removed from XXXX i need it removed from transunion and XXXX asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CONSUMER NAME : XXXX XXXX XXXX XXXX : XXXX CONSUMER SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 various loans account from XXXX with a balance of {$500.00}, XXXX with a balance of {$670.00}, XXXX with a balance of XXXX, XXXX with a balance of {$780.00}, XXXX XXXX with a balance of {$420.00}, XXXX XXXX  with a balance of {$900.00}, and XXXX with a balance of XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a account with portfolio recovery a. I have disputed with credit bearus several times asking for VALIDATION OF THIS DEBT, I never received requested information and requesting this information to be deleted asap.
Product: Credit card or prepaid card

I closed my credit card, by phone, with CitiBank on XXXX. They have put through charges since that time and are harassing me with phone calls to pay my balance on a closed account. I have had two calls from them today, XXXX, as they refuse to stop calling me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX brief description of the issue ]. I have attempted to resolve this matter directly with XXXX XXXX but despite my efforts, the issue remains unresolved. Despite my efforts to address this matter with XXXX XXXX XXXX have not received a satisfactory resolution. I believe that their actions are in violation of consumer protection laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Product: Student loan

Paid off higher interest loans in full. Post payment the show small balances. Assuming this was interest I just paid them off again and eventually got negative balances. Mohela switches platforms and loans with negative balances are not present on the new platform. No evidence of a refund in the account used to pay and no communication on why they were not carried to the new platform. Main problem is how hard they are to get a hold of creates a huge deterrent to sort nominal issues out. Without knowing the amount this will likely create thousands of dollars in damages to my retirement account that would've received these excess funds.
Product: Debt collection

I believe this account is a fraud JXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX an XXXX are reporting inaccurate information for an account with Navy federal Credit Union. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by Navy Federal they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.
Product: Debt collection

I owed XXXX dollars. I was told I needed to make a minimum payment of XXXX in order for her not to take legal action. 
I felt intimidated so I payed the XXXX, then I started to give what I could afford. Since then I have n't received any letters till this day, on how to resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Corelogic Credco. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

I was approved for borrower defense. I have a letter provided by Department of Education. As per approval letter, I am no longer required to make payments while my loans are in discharge process. Per Sweet vs Cardona settlement, loans should be discharged no later than XXXX I uploaded letter to mohela and I also called them and they refuse to put my loans on administrative forbearance stating that Dept of Edu needs to send them proof. I have been trying to resolve this issue since XXXX XXXX XXXX. DOE states that mohela does not require written approval from them for my admin forbearance. Mohela has agreed to put my loans on general forbearance but with interest accruals. This affects my credit rating and finances.
Product: Credit card

To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment XX/XX/XXXX. Based on the Credit Card Act of XX/XX/XXXX, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. 
I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate and have been generally unhelpful in addressing my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX XXXX XXXX XXXX, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Product: Checking or savings account

XX/XX/2020 {$6800.00}. in fraud was committed on my XXXX Bank of America Card. I made a police report XX/XX/2020 and submitted it to BofA. I was never given provisional money to pay bilsl or buy food. XX/XX/XXXX my BofA closed the claim. Period no further help, no call. 

In between this time I was issued a new card XXXX B of A debit card so that I could continue receiving my unemployment benefits. XXXX XXXX, XX/XX/XXXXthe card having {$2100.00}. was frozen and no further action has been or will be taken per Bank of America. Making that a total of {$8900.00} of unaccounted money that Bank of America will not release back to me. 

Both XXXX and Bank of America blame one another. But my thoughts are once the XXXX money is released to Bank of America it is now in Bank of Americas hands? 

Please advise, XXXX XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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