23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original creditor XXXX XXXX XXXX XXXX XXXX has told Wakefield & Associates twice that they have not only reported the debt twice on my credit report but also that the debt was paid by XXXX and to remove it. I have also disputed it with XXXX, and they keep responding to them that the balances are due when they are not. I spoke to XXXX XXXX XXXX last week and they were upset that it was still reporting and assured me it would be removed. I checked today and Wakefield & Associates has still not removed the tradelines. This has damaged my credit, and they do not seem to care and every time you reach out to them, they are rude.
Product: Vehicle loan or lease

This loan was with Credit Acceptance in 2021. They charged me a 22 % interest rate and other hidden fees. I need help settling with them and removing this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report a while back and I reached out to all three credit bureaus explaining that I had not authorized these inquiries that are on my report and I believe them to be fraudulent. They stated they could not remove them and they only stayed on my report for XXXX years and to contact the companies. I also contacted the companies and some sent letters back wanting me to mail in a lot of information I did not know about or how to obtain the information they wanted me to send in.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution 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: Credit reporting

Equifax Office XXXX XXXX XXXX, GA XXXXFax number XXXX XXXX ( once you reach an agent ask to transfer to office XXXX ) I was nastily informed that the Office XXXX made a " in house decision '' that without my consent they had the right to house my credit file and put an alert on there to freeze my credit report without my permission and not disclose any information to me as to why they did it. I received no notification via mail. I was advised that no creditor of my choosing will view or pull my report unless they call a XXXX number first. I did not authorize this. I received many run around and faxed much documents but no avail. I want my credit file with no Fraud Alerts and no freeze and to be open and Available for viewing at any time not just 24-48 hours then re-locked. I informed them I am not the victim of identity theft after verifying much information. but no avail. I was rudely informed by Equifax Office XXXX that my file is with them " indefinitely " I was advised of many different things by different agents in that department of Equifax which is very inconsistent. As a consumer I am very angry and unsatisfied with how I am treated. I do not want my credit being handled by this department of Equifax. I ask that they follow the LAW guidelines of The Federal trade Commission and not there own.
Product: Student loan

FedLoan continues to send me letters that state they have applied all payments including the PSLF waiver, when they have not. This process continues to be frustrating, stressful, and all together a huge letdown.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent activity and then what would be a fair resolution.
Product: Debt collection

Collection Agency CREDIT COLLECTIONS Balance Date XX/XX/year> Original Creditor Name XXXX  Account Designator Code XXXX  This company is violating my rights they did not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XX/XX/XXXXacct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XXXX XXXX, 2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XX/XX/XXXX XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XX/XX/XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.
Product: Debt collection

This company is misreporting information purposefully as I have been communicating with this company throughout this year to handle this debt. As of XX/XX/2021, this debt was settled for {$950.00}. Yet after it was settled, the company proceeded to report it as an outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

XXXX Kia XXXX XXXX expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. Kia Finance reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and Kia Finance to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and Kia Finance keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the Kia Store dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into Kia Finance 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX  and equifax representative to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a notice of error and CFPB complaint regarding Shell Point 's failure to refund the full balance of my escrow. Based on their response to my CFPB complaint it is clear they not only failed to refund my escrow timely ( my original complaint ) but now they have failed to conduct a reasonable investigation ( 1024.35 ( e ) ( 1 ) ( i ) ( B ) ). My original and continued complaint is that at the closing for my refinanced mortgage the title company paid the property tax and that despite a phone call requesting Shell Point/NewRez stop tax payments they processed the tax payment anyway resulting in an incorrect escrow refund. I advised them of their error and that they still owed me {$8600.00} since XXXX says they have systemic controls in place to block duplicate payments and the only payment they have on record is from the new title company. All it would have taken for Shell Point to do in a reasonable investigation is to pick up the phone and make one phone call to the XXXX County Treasurer 's Office to verify who made the tax payment. Instead, all Shell Point did was send me copies of their internal records which I already knew was incorrect and into which they failed look any further. The whole point of my complaint was that those internal records were incorrect and that I was and STILL am owed {$8600.00}. I want those funds refunded to me by wire transfer immediately. Instead I did their investigation for them and have attached the records from XXXX County showing the XX/XX/2020 tax payment from the title company- NOT SHELL POINT!
Product: Debt collection

these debts were discharged in bankruptcy. It is on my credit report as a collection and it should be deleted from all XXXX buearus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : PXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Financial Protection Bureau Complaint Company : XXXX XXXX XXXX, XXXX Prior Complaint Reference : [ Previous CFPB Complaint Number ] Multiple FCRA Violations- Urgent Review Required Description of Ongoing Violations : 1. Failure to Provide Investigation Results- Initial dispute ( # XXXX ) completed XX/XX/year> - no results provided - Follow-up dispute ( # XXXX ) completed XX/XX/year> - no results provided - Prior CFPB complaint filed ( Complaint ID XXXX ) - no resolution 2. Continued Reporting Without Dispute Flag - Account continues to be reported without required " account in dispute '' notation - Violates FCRA 611 ( c ) requiring disputed information to be clearly noted - Monthly updates occurring without dispute flag since XX/XX/year> 3. Failure to Follow Proper Investigation Procedures - No evidence of investigation being conducted - No communication of investigation findings- Continued reporting without verification 4. Timeline of Violations : XX/XX/year> : Initial dispute filed XX/XX/year> : Dispute marked complete - no results provided XX/XX/year> : Second dispute filed XX/XX/year> : Second dispute marked complete - no results provided [ Date ] : First CFPB complaint filed [ Dates ] : Account updated without dispute flag Legal Basis : - FCRA 611 ( a ) ( 6 ) : Requires notice of results - FCRA 611 ( c ) : Requires disputed information to be noted - FCRA 611 ( a ) ( 1 ) : Requires proper reinvestigation - FCRA 623 ( a ) ( 3 ) : Requires accurate reporting Damages Incurred : 1. Continued negative impact on credit score 2. Denial of credit opportunities 3. Higher interest rates on existing accounts 4. Time and resources spent attempting to resolve Requested Resolution : 1. Immediate cessation of reporting until investigation is properly completed 2. Provision of all dispute investigation results 3. Addition of dispute flags to all credit reports 4. Removal of account if proper investigation results can not be provided 5. Correction of all credit reports where information was shared without dispute flag 6. Documentation of compliance with FCRA investigation requirements Impact on Consumer : This ongoing situation demonstrates a pattern of FCRA violations that continues to harm my creditworthiness and ability to obtain credit. Each month this account is updated without a dispute flag represents a new violation and further damage to my credit profile.
Product: Checking or savings account

I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX RAN ALL MY CREDIT REPORTS TWICE IN ERROR I AUTHORIZED ONLY 1 AND SOLFT ONLY
Product: Credit card or prepaid card

I applied for a Secured Discover It credit card  in XX/XX/2018 and paid a deposit of {$500.00}. This is the exact webpage I clicked the " Apply Now '' link when I applied : https : //www.discover.com/XXXX The title of the webpage is " The Discover it Secured Credit Card '', It claims you get " 2 % cash back at restaurants or gas stations on up to {$1000.00} in combined purchases each quarter. Plus 1 % cash back on all other credit card purchases. '' As an aside : Discover offers 2 main types of cards with different rewards programs : 1. ) " Discover It '' - which offers 5 % back on different categories each month, 1 % on everything else 2. ) " Discover It Chrome '' - which offers 2 % back on restaurants and gas, 1 % on everything else At no point on the entire webpage where I applied is the word " Chrome '' ever written once.

I applied for this card and gave them my {$500.00} deposit, under the auspices that this secured credit card offered the conventional " Discover It '' card benefits ( notably the 5 % cash back on rotating categories ) in  addition to the " 2 % cash back at restaurants or gas stations '' being offered on the application page. 

Only today did I learn that I don't in fact have the " The Discover it Secured Credit Card '', like the web-page I applied to says I would, but rather I have a " The Discover it Chrome Secured Credit Card '', which comes with the 2 % but no rotating 5 % back categories. I was offered an oppurtunity to switch to the " It '' card, but was informed that if I did so, my new " Discover it Secured Credit Card '' would not have the 2 % benefits explicitly stated in their " The Discover it Secured Credit Card '' webpage. 

Essentially the website conveniently lied about the name of the card they were advertising and what you actually are capable of getting in rewards is much less than what they are explicitly offering on the application page.
Product: Mortgage

During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date. Since then the account has repeatedly been updated as a charged off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. The last payment date says XX/XX/year> but there is on time payment history for XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. You failed to investiagate this account properly and your neglect has violated my rights. I am demanding a deletion of this account from my credit report. 
XXXX XXXX account number : XXXX