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

In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in light of recent CFPB lawsuit highlighting significant issues with the platform. Using Zelle numerous amounts of 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 these transactions were a lost cause. 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: Mortgage

I got behind on my mortgage and was told my family and I needed to vacate the home immediately two years ago. The home went to sheriff 's sale in XX/XX/2019 and the bank ( Country Place Mortgage ) purchased the home back. 

In XX/XX/2019, I was sent an application to apply for mortgage assistance by XXXX XXXX with CPM. I returned the application and required backup documentation the beginning of XXXX ( it was emailed to XXXX XXXX, via a HUD housing counselor with XXXX XXXX XXXX XXXX ). 

Multiple attempts to verify that the application was received have been ignored. Our housing counselor has attempted multiple times to receive a return phone call from XXXX XXXX or someone by the first name of XXXX and has never received a phone call back. 

We have not received acknowledgment that our application was received and we can not get anyone to return our phone calls. 

Yesterday, when my wife called to check on the status of the application, she was told by a customer service rep that assistance was denied. We have not been informed of this by mail or by phone call. The rep told my wife that CPM is not obligated to inform us if assistance was denied or not. Yet, the letter we have dated on XX/XX/2019 stated that we should received a confirmation letter that our application was received. We can't even get a phone call to tell us that the application was received. The customer service rep also asked my wife if we had a packet to apply for assistance. This is the very packet that we have submitted already and can not get any information on. 

The runaround is not professional and we need answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - XXXX : {$2100.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$4300.00} - Account # : XXXX XXXX XXXX  - Balance : $ - Account # : XXXX XXXX  - Balance : {$13000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Last 4 SSN XXXX JPMCB Auto Finance XXXX XXXX XXXX XXXX, LA XXXX XXXX Subject : Dispute of Inaccurate Auto Loan Information on Credit Report Dear JPMCB Auto Finance, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : JPMCB Auto Finance - **Type of Discrepancy** : Inaccurate Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required 30-day period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Last 4 SSN XXXX  Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have XXXX inquiries on my credit report that I did not authorize. I have contacted Transunion requesting removal of these unauthorized inquiries and was told there was nothing that could be done and they suggested I call the companies which I did and was told by the companies to dispute it with Transunion. I feel this is unfair because I do n't have credit accounts with these companies nor did I authorize the inquiries and Transunion wo n't remove them. This has caused my credit score to go down. Below are the unauthorized inquiries XXXX XXXX XXXX Bank - Dated XXXX XXXX, XXXX XXXX - Dated XXXX XXXX, 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with CFPD XXXX months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.
Product: Debt collection

Good day, I can not overstate how frustrating and overwhelming this situation is. Waking up to discover a debt that is unverified, unfamiliar, and not mine has been a nightmare. On top of that, Ive been bombarded with harassing messages from various channels, using different tactics, and even receiving threats of legal actionsomething I never imagined facing. As a law-abiding citizen, this blatant violation of my consumer rights is both insulting and disheartening. The mental and emotional toll has been immense, leading to sleepless nights and constant XXXX.
Product: Credit reporting or other personal consumer reports

NOT ABLE TO VIEW CONSUMER REPORT ONLINE PORTAL. THIS IS MY 3RD TIME CALLING IN ABOUT THIS. THIS IS CAUSING EMOTIONAL STRESS AND I CAN'T GET MY FREE CONSUMER REPORT ONLINE LIKE THE FCRA SAYS I CAN. PLEASE FIX IMMEDIATELY
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP # XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I have NO KNOWN ALIAS, I ONLY USE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0000.00} XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

They keep turning on autopay without my consent. Theyve done this multiple times. Theyve caused multiple other scheduled payments out of the payment account to be returned. Theyve also attempted to eft/debit accounts that Ive deleted from my profile with them. Im unemployed so this has caused great harm and stress. They feign ignorance into how this could happen. They have verified multiple times on recorded lines that autopay is off. Unauthorized withdrawals from my account either constitutes fraud or theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA regulations, a collection account should have no late payments listed. 
Equifax is and has been reporting this inaccurate information for over a year to this date. 
This has caused unexplainable harm to my obtaining a home and credit opportunities. 


Creditor Name : XXXX  Acct # XXXX Type of Business : Collection Amount : {$2900.00} Payment Status : Late 120 Days
Product: Credit reporting or other personal consumer reports

The company keeps reporting an accurate information. The statute of limitation has expired on my late payments and they will not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim that Kentucky Higher Education Student Loan Corporation ( KHELSC )  has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Product: Debt collection

The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.
Product: Debt collection

In XXXX of 2021 I received a court document from a collection agency stating that they had served me they had gone to court behind my back and they won by default. I was never served in any way shape or form I was never notified by this collection agency I don't know what the debt is for where the debt came from or even if the debt is mine. The three pages of the Court docs didn't include the name of the original debtor the name of the person that I owe the debt and when the last payment on this supposed to get was made which means I don't know if it's mine where it came from and it is more than likely a time-barred debt. Since they won by default because they falsified documents and they serve me when they didn't I'm now on the hook for almost {$5000.00} which I don't know and I don't know how to fight it. I need help ASAP before deleting my home or if they try to garnish my husband 's wages we would not be able to make our mortgage payment and we would lose our home. I never received all the full court documents and if you'll notice on the image I attached the page that is supposed to provide the original debtor how much does XXXX on the last payment was made with never filled out it was incomplete. They did not provide me with any of their evidence to prove to the court that I guess it wouldn't have to because I knew I wasn't going to show it because I wasn't served so they knew they were going to win by default
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 card

I am writing to address an issue with the SSN/ITIN listed on my American Express account XXXX which is incorrect. I request that American Express update this information and send the corrected details to the credit bureaus. 

A similar issue was resolved a few weeks ago for my husband. I would appreciate it if the same adjustments could be made to my account as well. 

On XX/XX/2024, XXXX XXXX from the Executive Office of American Express denied my request via email and declined to make any changes. 

Thank you for addressing this matter. 

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

I received the below email after a phone call from the company. Rep said all I needed was a XXXX credit score. I repeated that's all he said yes, so I went to the provider to get the requested report. After I sent the report with a higher-than-required credit score, they said I had late payments from 3 years ago I needed to speak to their " credit specialist, XXXX from underwriting, '' who also has an email address URL with the same company. XXXX. XXXX called me to begin to sell me credit repair to remove " my late payments '' from my credit report for a cost. i ended the call because i had already spent money on their referral credit company https XXXX XXXX  which makes you sign up for a credit monitoring service for $ XXXX. This is a total scam and Lexington Capital Holdings which is affiliated with XXXX XXXX XXXX are both selling credit repair to consumers NOT 0 % business loans as they offered to me. This needs to stop before it gets out of hand. 




Hello, It was a pleasure speaking with you.

At Lexington Capital Holdings, we work with many businesses around the country to provide them with the capital they need. We are excited for the opportunity to do the same with you! 

Applying to XXXX XXXX Line of Credit program can promise you a few things. Traditional financing options, Monthly payments with 0 % interest up to 24 months, and forever revolving lines. 

Documentation Needed For Approval Process : XXXX  Credit Report You can email it over to me at XXXX Upon receiving that information, I will immediately start the approval process. 

How To Access XXXX XXXX  CLICK HERE FOR XXXX XXXX CREDIT REPORT Make an account Click View most recent report Hit Print this page Change the destination to print as pdf Attach pdf to email and send to us
Product: Credit reporting or other personal consumer reports

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. This account OLD NATL with the account number XXXX was paid in full and was never late. I am always paying on time. This should be remove on my report immediately.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

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

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Credit card or prepaid card

Barclays Bank decided to close my Barclays Arrival World MasterCard due to inactivity. When they closed the account they sent me a letter and said I should call to claim any rewards outstanding. I had {$18.00} in rewards but Barclays refuses to pay it to me or transfer to another card ( I have another Barclays card ) because it is under {$25.00} and their policy states that they won't pay rewards until you have at least {$25.00}. By closing the card on me they are ensuring that I will never reach this amount. 

When one considers the fact that Barclays chose to close this card unilaterally, they should not have the right to just erase my rewards. It would be very simple for them to transfer the rewards or pay them out. This is unethical on their part, and part of a campaign to nickel and dime credit card customers. 

Thank you.
Product: Credit card

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The SST/XXXX failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
SST/XXXX XXXX.
Product: Debt collection

This is a consecutive time that I am already filling a complaint about the same issue. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account.