23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notification via mail stating that i was denied credit by this company for various reasons. I didn't apply for anything or any type of credit recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act XXXXt # 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act XXXXXXXX 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 In accordance with the Fair Reporting act 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 In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, 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 In accordance with the Fair Reporting act XXXX XXXX XXXX XXXXXXXX, 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 In accordance with the Fair Reporting act XXXX XXXX XXXXXXXX, 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
Product: Money transfer, virtual currency, or money service

I am writing 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 users vulnerable to scams. 
I am writing 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 users vulnerable to scams.
Product: Student loan

Mohela has my first loan payment of {$2300.00} as being due TOMORROW ( XX/XX/XXXX ). This is in direct conflict with the federal student aid website which states my first payment is due XX/XX/XXXX. A IDR APPLICATION WAS JUST SUBMITTED XX/XX/XXXX. I require a forbearance! I call Mohela once a week in an attempt to speak to someone, and each time I call there is an over 3 hour wait time. So I patiently wait the 3+ hours to then speak to someone who says they can not help me and that they need to transfer me to an advanced team member. Once transferred, i am placed on an even longer hold time. I HAVE RECEIVED NO HELP OR CLARITY ABOUT MY LOANS. I am currently 3 and a half hours into a call with mohela still on hold with no representative having answered yet. 

On XX/XX/XXXX I was instructed to submit an IDR plan application to " XXXX '' - by Supervisor XXXX XXXX ( ID : XXXX ). Another MOHELA employee recently informed me that the XXXX application was never received. On XX/XX/XXXX I submitted an IDR plan both MOHELA and Federal Student Aid. Federal Student Aid has my first payment date listed as XX/XX/XXXX, while Mohela has it listed as XX/XX/XXXX. I HAVE RECEIVED NO ASSISTANCE TO DATE AND AM EXPECTED TO PAY {$2300.00} on XX/XX/XXXX. PLEASE SOMEONE HELP ME. I have submitted an IDR application and am requesting a deferment/forebarence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The information on this account appears to be incorrect on my credit report. Upon reviewing my report, I found that it is only being reported on my XXXX file. Please provide verification of the charge-off and either update the balance to {$0.00} or remove the negative payment status associated with this account. 

These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have previously reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documents and screenshots of my credit report to highlight the inaccuracies and substantiate my claim. Please investigate this matter promptly and update my credit report with the correct information.
Product: Credit reporting or other personal consumer reports

Account name AFFINITY FCU and number XXXX Account Type : Revolving account. The XXXX bureaus currently have balances on this account as XXXX {$50.00}, Equifax {$36.00} and XXXX {$14.00} but the balance to this account which is my credit card is {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Mohela withdrew {$3000.00} from my account without my approval. I have always made consistent monthly payments to Mohela for around {$1000.00}. One day Mohela decides to place me on an administrative forbearance without my approval. Then they remove the forbearance and auto withdrawal over three times the amount I was normally paying. They didnt adjust the monthly payment owed after removing my foreberance. They just withdrew the entire amount without placing me on my previously agreed upon income driven payment plan. I have called multiple times to dispute this, however they offer no explanation and said my refund is denied. To this day they continue to place and remove me from administrative forbearance.
Product: Mortgage

My ex husband and I divorced in XX/XX/year>. He was supposed to pay the mortgage on the home until it sold. He moved out in XX/XX/year> and will not respond to me at ALL. I have text, called, emailed, posted on various social media and nothing. The mortgage is in his name. The deed has my name on it. We did not post the home for sale due to him not completing the tasks listed in our divorce and he broke major things moving out. Kentucky Housing Corporation took my payment via check for what I thought was the XXXX payment. Turns out he never paid any payments in 2024. I reached out to Kentucky Housing in XX/XX/year> to let them know I was being garnished and to see what I could do to get mortgage payment assistance. I was told no help because I wasn't on the account. I can not find my ex husband to get the man to sign the release. I emailed probably every month this year trying to figure out how to keep my home. I filed for bankruptcy and am paying {$500.00} to that every month. I let them know I want the house but need help getting it out of foreclosure. I was pretty much told oh well. They sent me the release but no one can find my ex. I even text his new girlfriend and she said she can't wait to watch me and my kids be thrown out. I am a social worker with child protection in Kentucky. I have XXXX XXXX. The attorney for Kentucky Housing told me to be prepared to move out in 60-90 days. I NEED help! I was never served with paperwork and the " certified letter '' that went to my home was not signed for. The mail lady got mad because my kids told her I was asleep and she left it in the mailbox. That's not legal or I thought. I let the warning order attorney know I didn't sign for anything and it was oh well. This company would rather foreclose on my home and let it sit empty than help me save it. There's a home in my neighborhood that's been empty for over 3 years and it was a foreclosed on. I can make the payments now but I need to know how to catch it up and no one will help me. Kentucky Housing is the worst company ever and their customer service is deplorable. It's oh well be homeless. Please help us.
Product: Checking or savings account

Wells Fargo launched Pay Early by giving everyone direct deposit access 2 days early, past direct deposits were available as promised, Today XX/XX/ direct deposit is not available. Its a just another scam from Wells Fargo trying to charge extra fees to people assuming direct deposit is available 2 days early.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email Address : XXXX Phone Number : XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, which persists despite prior efforts to resolve these discrepancies. The issues align with the allegations outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which highlighted systemic failures in accurately investigating and correcting disputed items. 
The specific inaccuracies in my credit report include : The addresses are all incorrect or no longer an accurate address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurate, have not been properly verified, and theyre reporting different information across all three credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite submitting disputes previously, these inaccuracies remain unresolved, causing undue harm to my credit profile and financial standing. 
In light of the CFPBs findings, I urge Experian to thoroughly investigate these items as required under the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1. Conduct a prompt and complete reinvestigation of the disputed items.

2. Provide a detailed explanation of your findings and the actions taken.

3. Correct or remove the inaccurate information if verification can not be provided. 
Failure to address these issues appropriately may result in further escalation, including filing a complaint with the CFPB or seeking legal remedies. 
Please confirm receipt of this letter and provide an update on the status of my dispute within 30 days, as required by law. I can be reached at the contact information listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 Kia Motors made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/24. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with Kia Motors but the company has refused to allow me to do so. Since XXXX, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from Kia asking me to make my payment for XXXX by XX/XX/24 to avoid negative credit reporting, which the payment was made by XX/XX/24 and posted on XX/XX/24. Kia is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
Kia needs to fix my credit report immediately or this will result in further legal action against Kia Motors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

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

repossessed vehicle sold but no value credited to account. Remains on credit report inaccurately since 2014
Product: Debt collection

Update Request for XXXX Debt ( Account Number : XXXX ) I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 

I kindly request that you take the necessary steps to update all records associated with the XXXX debt indicated by the aforementioned 1099C form. 

It is crucial for the accuracy of my financial records that this information is promptly updated. I trust that Cross Country Mortgage LLC will ensure the proper handling of this matter. 

Should you require any further documentation or clarification regarding this request, please do not hesitate to contact me via email at XXXX. 

Thank you for your attention to this matter. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : $ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Money transfer, virtual currency, or money service

I messaged PayPal today, XX/XX/2021 because I continue to receive an error when trying to transfer money from PayPal to my bank account. They responded that this is a known issue, gave me some general things to try ( clear cache/cookies, try a different browser, etc ) nothing work and they basically told me they added me account to the ticket thats open but have no clue when it would be fixed or how I can get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Last reported XX/XX/XXXX {$460.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Last reported XX/XX/XXXX {$1900.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Last reported XX/XX/XXXX {$830.00} Reported balance -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX Account status Closed Account paid for less than full balance Paid charge off Times XX/XX/XXXX days late XX/XX/XXXX owe {$0.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX Account status Closed {$4900.00} XXXX Closed XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ( XXXX XXXX XXXX amount {$3300.00} Account closed by credit grantor Closed XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Amount {$1700.00} XX/XX/XXXX Account closed by credit grantor Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX MAIL ONLY = -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ) XXXX Account closed by credit grantor Amount {$270.00} XX/XX/XXXX ( XXXX yrs, XXXX mos )