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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Dispute having available funds when the transactions where authorized, I was charges fees due to delayed posting of charges and credits. This issue aligns with the current CFPB findings against Navy Federal Credit Union foot similar practices, where transactions settled with insufficient balances dispute initially having funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
TOYOTA MTR XXXX Date Opened : XXXX/XXXX/2018 Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2024 XXXX unauthorized charges posted on my SoFi checking account in the amounts of {$29.00} and {$50.00}. I disputed the charges with SoFi immediately, canceled my debit card and ordered a replacement. On XX/XX/2024 I received an email from SoFi informing me that their investigation determined no unauthorized activity occurred and that my claim has been denied. I requested copies of the documents used in reaching that decision and they replied by sending me a link to the documentation. However, the link navigated to a login screen and my username and password did not grant me access to the information. The charges are fraudulent and were not authorized by me.
Product: Debt collection

I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 604 States rights to consumer privacy Reporting agencies can not furnish a account without my written consent
Product: Checking or savings account

On XX/XX/2022 my father passed away. My father has an account with XXXX bank where he is the owner and his mother is listed on his account as representative payee for his social security payments. Days after my fathers death the bank allowed family members occumpanied by my dads mother to go in and withdraw {$26000.00} from his account that was not associated with any social security payments, the leftover ssi payments had already been withdrawn by social security. I made contact with the manager XXXX, I brought in the paperwork to prove that I was indeed the representative of his estate and she continued to withhold information about the transactions with me until I let her know that the money my dad had deposited came from a loan I was a co-signer on and I asked to speak to someone above her to find out where our money went. Finally she said they allowed family members to clean out my dads account because my grandmother was present and she was representative payee on the account. I had her confirm that rep payee was for ssi and confirm that ssi was already withdrawn, she agreed. I told her representative payee is only associated with ssi and it expires upon death and the account should have been frozen and left untouched until the Respresentative of the estate came forward to distribute the assets. XXXX feels as though she made the right decision to allow transactions on a deceased persons account and refuses to allow me to dispute or receive provisional credits while this situation is looked into. She also froze the account now that its at a XXXX balance & it has a legal representative to handle it. How ironic. My fathers house is at risk of foreclosure because XXXX bank allowed our money to be taken from the account in a way that breaches their policy. our money was illegally taken and XXXX bank should be held accountable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light in 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders toto 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

In XX/XX/XXXX, I signed a XXXX year home residential rental agreement XXXX XXXX XXXX, XXXX, FL XXXX. I opened an account with XXXX XXXX at the same time. When my lease expired in XXXX XXXX paid the balance, to close the account, and moved out. Almost XXXX yearslater, XXXX XXXX XXXX sent my closed account to a collection firmwith a balance of {$280.00}. They never sent me a notice although I updatedmy address with XXXX shortly after moving.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 an 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 or 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

Accounts with XXXX  XXXX is showing accounts is closed and charge off. While account is charge off and closed, XXXX  XXXX is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a XXXX balance since that account is charge off. 
Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Credit card

On XX/XX/scrub> 2024, I received XXXX ( XXXX ) separate letters from XXXX XXXX indicating my applications for credit cards were denied. However, I never applied for a credit card. I called the company on the phone number on their website to report the fraud. The representative told me they would investigate and get back to me in 60 days. The applications were for XXXX Destiny Mastercard and XXXX Milestone Mastercards.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX XXXX  : XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry
Product: Student loan

A student loan was taken out in XXXX of XXXX for an XXXX add on degree. 
-Graduated in summer XXXX -went back to school in Spring XXXX -graduated in XX/XX/XXXX The total amount borrowed was {$34000.00} According to my records/bank statements and payment history, we have paid {$64000.00} towards the loan. {$17000.00} was forgiven with teacher loan forgiveness program. Payments have been made on the original loans more then 10 years. {$6800.00} is still owed. Loan has been with 3-4 different loan companies XX/XX/XXXX-first call with concerns XX/XX/XXXX-requested an ombudsman which was not very helpful. He was able to show that a {$6000.00} payment that was supposed to be credited was charged interest for over 10 years. Every time they sent a bill we paid it. Beginning in XXXX it was automatically drafted. We would get notified when the amounts changed but were still automatically drafted. XX/XX/XXXX submitted a review-was not notified of results Every time we submitted something it would be review. Takes anywhere between 90 days -2 years. 
Submitted loan forgiveness application XX/XX/XXXX, They said we only had 27 payments on loans that were taken out in XXXX-if that were the case we would have been in collections. Resubmitted for review. Resubmitted application in XX/XX/XXXX. XX/XX/XXXX was denied because they said they needed more info. When talking to XXXX # XXXX she could see all the info they said they were missing so she resubmitted it. 
XX/XX/XXXX was told to submit another application to look at loan payments. 
XX/XX/XXXX said the loan showed interest was added because it was not paid off in 10 years. 
XX/XX/XXXX, XXXX-heard from PSLF person. Payments were still wrong. I started going date by date. He had missing dates. I was told to upload bank statements from XXXX which i did. Requested payment history again. Payment history showed that payments I submitted bank statements for. 
XX/XX/XXXX, XXXX-called to get update to see if payments were applied. I was told it was still in review and there was not a time line. It could take up to 2 years. 
I have the records for all the payments. This loan should be paid off by now. One of the loan companies XXXX has had cases brought against them for not applying loan payments. This is ridiculous that these reviews take this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

USAA agreed to defer payments during the Covid 19 pandemic for me, however they still reported to my credit account as late several months in a row at the start of XXXX. I have called, emailed, written them and they refuse to fix. I immediately paid this account in full as soon as I got back to work. 

This is really hurting my score and preventing me from being able to progress anywhere with my credit. 

Under the cares act this seems incredibly illegal, all of my other creditors were able to defer and make arrangements for me. USAA has been horrible to work with. The assistant to the CEO just calls and says " sorry theres nothing we can do. '' Please help, this has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I am hoping that this will be deleted immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

The response I just read from your site states they are the wrong company. My mortgage was with XXXX and I need to be provided the correct website, then, to pay principal payments. 

I received a notice in the mail with no way to pay by check through the mail and they have deleted my online account with XXXX without legally informing me of a change of ownership in my mortgage loan. 

My actions are legal and are not going to change, period. This game of hiding the ball for who owns the loan is not mine to play and I will not. Stop defrauding my and wanting my home. You're not going to get it, period. It's mine and is going to stay mine.
Product: Payday loan, title loan, personal loan, or advance loan

There are numerous issues with this company. I signed up for a credit building account, not only have they been continuously charging fees and destroying my credit years after I closed the account, there are nothing but inaccuracies. The account shows {$380.00} charged off which is false, while also showing {$170.00} past due. The phone number they list on file is XXXX which does not go to them, it goes to a XXXXXXXX XXXX XXXX 
I ended up getting the number off their site. 

While writing this I was on the phone with their support, they refused 100 % to give me any documents at all. I asked for statements showing what fees I was charged as well as any document they could send showing my payments. The supervisor says they have absolutely no way to show anything. Refused to even give me a receipt for the {$170.00} I was trying to pay just to get this off my report. This company is nothing but a scam. 

Can't give a receipt. 

Will not provide a statement.
Product: Checking or savings account

im just doing this, as Umpua Bank suggested I create a paper trail to make sure this is registered. 

someone has opened a checking account in my name with Umpua Bank without my consent. the bank is now activating their fraud department and will look into the details of this account and how it happened. 

i never gave out my social security number or asked anyone to open this account on my behalf.
Product: Credit reporting or other personal consumer reports

Received a bill & threat of charging high amount of interest & fees until paid from XXXX XXXX XXXX XXXX. Called XXXX XXXX and asked why was this bill all of sudden sent to me and what is it for? Her response was you have to talk to Meridian Financial Services , Inc. and that she would not talk to me about the debt and hung up. I called Meridian Financial and said what is this bill about and he said you owe money and hung up. Received a letter from Meridian dated XX/XX/XXXX. I responded to the letter that I want to dispute the debt because this is not my debt sent to Meridian by certified mail and Meridian signed received on XXXX. Meridian Financial Services , Inc. reported to credit bureaus prior to XXXX even though their letter to me stated that can dispute debt by XX/XX/XXXX and will stop collection until we send you that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my report. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the CAPITAL ONE XXXX Balance : {$260.00} - Late Date XX/XX/22 [ XXXX ] to my credit report.