23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card numberXXXX Account openedXXXX, XX/XX/XXXX Account Closed:XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX
Product: Student loan

My student loan payments have been over XXXX payments for almost a year ; I have initiated all needed forms and verification to Mohela, and they are continuing to claim they have no control over getting the US Dept. of Education to update the payment counts. 

My initial PSLF application was with XXXX XXXX, and then it needed to be transferred to Mohela. Then, I needed to do the consolidation, which happened prior to the deadline for consolidation in Fall of XXXX. Then, an updated PSLF application was needed to update the payment accounts for XXXX, XXXX, and XXXX, which was submitted and accepted XX/XX/XXXX. Now, 7 months later, my payments are still not updated. 

Every single call or chat with Mohela has no resolution. Mohela says they are at the mercy of the US dept. of Education to have the payment counts updated. 

Both Mohela and StudentAid.gov need to update payment accounts faster, and it is especially egregious that they have not updated the payment counts for those that do qualify for forgiveness, forcing me to jump through yet more hoops in order to get into deferment.
Product: Credit card or prepaid card

I was made to cancel my Capital One credit card because when I got a new phone and forgot my password, they refused to allow me to reset my password so I could sign in online. I gave them my name, birthday, address, where I was born, my mothers maiden name, and they still refused to help. After that, I received {$380.00} as a refund to the card, and they are refusing to send the check to my PO box ! All they are doing is keeping it as long as possible to receive interest. I was on the phone with them for over an hour, and they told me that they will send the check to the street address I signed up with. 
This is the worst credit card company! Do not sign up with them! They charge close to 25 % interest! My new card which is XXXX, only charges me 12 %!!!! The Capital One customer service is horrible, and they do not try to help in any way. I'll be happy if they file for bankruptcy!!!
Product: Credit reporting or other personal consumer reports

I sent the attached letter to XXXX. I also called to try to resolve these XXXX issues. Issue # XXXX : When XXXX forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that XXXX ) shows the late payments on my credit report, XXXX ) shows my employer was closed, XXXX ) shows I acted within the bounds of the CARES Act during XXXX by calling, and XXXX ) shows payments.Issue # XXXX : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when XXXX had been auto-deducting payments XXXX, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.
Product: Debt collection

information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX ( XXXX ) XXXX, from, my Experian report
Product: Credit reporting or other personal consumer reports

15 U.S, Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

I disputed this debt within XXXX XXXX on XX/XX/year> requesting that they send the original contract of the debt since they are not the original creditor and I have not received any information. this debt buyer verified the information has correct and accurate without providing valid documentation and it is a violation.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, please delete this unverified account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Checking or savings account

On XX/XX/2023 I had realized that my Bank of America checking account was compromise with two unauthorized transactions one was a wire transfer for the amount of {$3200.00}. 
The other one was the XXXX  transfer for the amount of {$3500.00} to A person by the name XXXX, XXXX XXXX XXXX confirmation of transaction # XXXX. 
Both transactions were made on the same day assuming the same person. I have screenshots of the transaction, and they were made by the same person. And my application for my Bank of America mobile app I was able to check the last few numbers off a cell phone number, which did not match my.
Product: Debt collection

I have two companies trying to collect the same debt from XXXX who was bought out by XXXX. Its the same account. I Have been paying one with one payment left and the other company is still reporting on my credit report that it hasn't been addressed. The first company that reached out to me that I have paid the entire balance to is XXXX at phone number XXXX that I have auto drafted from my account for XXXX a week since XX/XX/2021 after an initial down payment of XXXX on XX/XX/2021 for a total balance of XXXX after this last payment that will come out of my account on XX/XX/2021. The other company reporting on me is Complete Credit Solutions or XXXX XXXX XXXX at XXXX. I am not sure which one is scamming me but the company sold the debt to two different collectors and I find this unfair that I have already satisfied the debt as of this upcoming Friday yet my credit is being impacted negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : ( XXXX ) US DEPT OF EDU XXXX ( XXXX ) US DEPT OF EDU XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX As the investigation has exceeded 30 days. This a direct violation of the FCRA. Which I have proof through you all stating they have completed the investigation.
Product: Debt collection

I was reviewing my credit report and noticed two collection accounts from LVNV Funding LLC for the amounts of {$1200.00} and {$540.00}, so I sent the company two debt validation letters concerning the accounts that aligned the FDCPA. I requested the following information : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and address of alleged creditor.

6. Name on file of alleged debtor. 7. Alleged account number.
8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

I mailed the letters on XX/XX/2023 and saw that they were delivered on XX/XX/2023 via the tracking information. On XX/XX/2023, I received a " debt verification '' letter from Resurgent Capital Services for the account amounting {$540.00}. That letter didn't contain all the requested information proving I was the account owner and they were legally allowed to collect on it. I didn't receive adequate information for items 1-4, 7, and 12-14. I've included copies of both letters I sent and what I received so far.
Product: Checking or savings account

I submitted an online application via Navy Federal Credit Union website for a checking and savings account on XX/XX/2020. I was approved and given account information online after submitting application and a deposit of XXXX into checking account via debit transaction. On XX/XX/2020 I received NFCU debit card via mail. Once trying to activate via telephone I was advised to speak with a representative. A representative stated I needed to speak with someone in Fraud dept. After waiting for approx 35 minute to speak with someone in that department a representative stated that " I committed fraud on the account ''. I stated what was the problem she stated it had something to do with consumer credit report. After asking several questions about trying to resolve and if I could submit any additional information to get this resolved she stated '' NO '' and I could never open an account with NFCU. Also asked if I would get a letter stating reasoning for this decision also stated " NO ''. Refund of monies deposited into checking account have to be disputed by the bank I submitted debit transaction per representative.
Product: Credit reporting or other personal consumer reports

XXXX Missing Credit File Information Today, I attempted to file an online dispute with XXXX regarding a cyber scam incident negatively impacting my credit. However, when I logged into my XXXX account, all my banking and credit card information was missing. Since I could not complete the dispute online, I contacted XXXX via telephone to complete the dispute, but they could not retrieve my information. I spoke to an agent at an XXXX call center in XXXX, and they were insulting and unprofessional. The call ended without a resolution. 

Discover and XXXX XXXX  XXXX  I am writing to bring to your attention a distressing situation in which I was the victim of a cyber scam, often referred to as a " XXXX '' scam, that has resulted in significant financial and emotional distress for me. Discover and XXXX view them as legitimate transactions when they are not. I filed a police report and reports with the Colorado AG 's XXXX, the FTC, and the FBI 's IC3 unit. 

On XX/XX/year>, an individual posing as a Good Samaritan approached me online and offered to assist me with my credit card charges in exchange for my participation in a " pay it forward '' act of kindness. Believing in their goodwill, I agreed and subsequently transferred funds to a supposed needy individual, only to later realize that it was a fraudulent scheme. 

Despite my good faith efforts to resolve the situation and dispute the charges with Discover and XXXX, both institutions have refused to acknowledge the fraudulent nature of the transactions and have insisted that the charges are legitimate. As a result, my Discover card now shows a negative balance of {$2400.00}. 

Moreover, when the scammer realized that their deceit was uncovered, they escalated the situation by threatening me with physical harm, which exacerbated my sense of vulnerability and fear. 

I am seeking your intervention in this matter to help rectify the situation. The details of the scam are as follows : Date of Incident : XX/XX/year> Amount Lost : {$1800.00} ( Current negative balance - {$2400.00} ) Methods Used : Online communication via XXXX Threats Received : Threats of physical harm upon the scammer 's discovery I urge the CFPB to take this matter seriously, assist in holding the responsible parties accountable, provide guidance on how I may recover my losses, and ensure that these charges are not deemed legitimate.
Product: Money transfer, virtual currency, or money service

Regarding Zelles handle of disputes, in light of the recent lawsuit from CFPB showing significant issues with the service/platform. 
Despite all these years Ive used Zelle, any of my reports/concerns were not fairly investigated. They informed me that recovering lost funds was impossible to do. They also informed me that my transactions were unfeasible. The CFPBs findings show that Zelle has neglected there customers from protection, but have also made it easy for repeat offenders to exploit the system and the consumers. The lack of accountability and transparency Zelle has shown is very concerning for any consumers who have used Zelle in the past and will in the future.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies reported on my credit file concerning account number XXXX. Upon reviewing my credit reports across all three major credit bureausXXXX XXXX, and TransUnionI have identified several discrepancies that need immediate correction. 

Payment Reporting : Your records indicate that I made a payment of {$1300.00} in XXXX, which is inaccurate. I did not make a payment of that amount during this time. 

Late Payment Reporting : The account is reported as never late to XXXX, yet a late payment for XXXX has been reported to XXXX and TransUnion. I confirmed ( with a XXXX  XXXX team member who refused to provide documentation to me regarding my account on XXXX at XXXX XXXX. ) that my XXXX payment was received within 29 days of the due date, therefore my XXXX payment was not late. 

This inconsistency in reporting is misleading and damaging to my credit profile. 
Given these inaccuracies, I kindly request that you update my account status to open, never late across all three bureaus. Please provide me with written confirmation of adjustments made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from Experian, XXXX and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include Experian reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card XXXX XXXX  XXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} Experian dropped score to XXXX and XXXX dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.
Product: Credit card or prepaid card

Hi. I opened AMEX credit card on XX/XX/XXXX because they advertised that they would give free XXXX Delta bonus miles after spending {$3000.00} in three month. However, I didn`t receive the bonus miles in three months after spending more than {$4000.00} in three months, so contacted them on XX/XX/XXXX, asking for it. Below is what they said : " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. '' XXXX - XX/XX/XXXX XXXX XXXX " I see that you have met the spending limit already, however once you meet the limit, it take 6 to 8 weeks to receive the bonus. '' XXXX - XX/XX/XXXX XXXX XXXX " I would request you to wait for some more time, you will receive the miles. '' So, I waited couple weeks more, but I never received. So I reached back to them on XX/XX/XXXX. Below is what they said : " in this is an on going issue where the Card Members have not receive their welcome bonus. Let me go ahead and raise an inquiry on a priority basis with our Marketing team '' " I apologize for the inconvenience XXXX. Since you are eligible for the welcome bonus offer. Hence I've raised an inquiry in this matter. '' XXXX - XX/XX/XXXX XXXX XXXX " It may take up to 6-8 weeks for this inquiry to resolve. '' So, I waited more and reached them on XX/XX/XXXX. 
Below is what they said : " XXXX, I see that you have already submitted an investigation to resolve the matter '' XXXX - XX/XX/XXXX XXXX XXXX " We opened an investigation on XX/XX/XXXX it usually takes 6-8 weeks to resolve the investigation '' I reached out to them four-five times more until today. They even gave me the case number : XXXX, that was never solved.. I regret that I opened this card. I couldn`t buy the Delta flight that I was going to buy with the bonus miles. This is ridiculous.. Why did they advertise that way then? I would`ve opened different card, right? Please help me on this issue with American Express.. 

Thank you very much! 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}