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

XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, XXXX, and Experian. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX  XXXX with XXXX, XXXX, and Experian- XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, XXXX, and Experian should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With Experian it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & XXXX  credit report. XXXX XXXX XXXX provides three different contact addresses to Experian, XXXX, & XXXX. The ledger balances from my Experian, XXXX, & XXXX  are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX  XXXX account with XXXX, Experian, and XXXX it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Transunion is refusing to comply. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle handling of dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving XXXX users vulnerable to scam. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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: Debt collection

Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed. 

I am not responsible for this account and should not have to be effected for the negative impact on my credit report.
Product: Student loan

Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2020 my mortgage bank, XXXX XXXX, offered me a forbearance for 3 months due to Covid-19 pandemic issues. 

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and XXXX XXXX  said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both Experian and XXXX  are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified XXXX XXXX  several times, but it doesnt seem to help. I began a dispute with Experian two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times. 
So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way XXXX added {$25000.00} to my loan balance did affect my credit score. 
Second, I feel XXXX is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a XXXX payment of {$380.00} to the wrong number. I immediately noticed the mistake, and called the individual I sent it to and asked him to send the money back to me. He said that he would, but he would like the banks to handle it. On XX/XX/year> Wells Fargo reversed the transaction and removed the money from his account. He sent me screenshots that shows that this is true. However, the money has not been sent back to my account. Both my bank and the XXXX customer service were unable to find the transaction on my account. The individual also called XXXX customer service, and XXXX was unable to find the transaction on his account. But Wells Fargo customer service says that they can see the transaction and that it has gone through and there is nothing further they can do. 

So {$380.00} has vanished into thin air. It was last seen on XX/XX/year> in the hands of Wells Fargo. It has been 30 days at this point, and no customer service agent has been able to help me.
Product: Credit card or prepaid card

I have been a customer of Capital one, it is only a {$2500.00} credit on my account. Never missed a payment ever. My bank returned payment during XXXX. 

Capital One DID NOT call me at all to tell me or try to collect. I paid this overdue payment from XXXX and on the day or the day after this payment became 30 days late they have reported me to the credit bureaus as 30 days late. 

I have tried to get them to remove this but they won't. Literally every single other credit account calls me to tell me and also to try and collect over the phone and they DID NOT. 

It is very unnecessary of them to report this. I am a single XXXX and trying to move to a new place and this will lower my score 100 points.
Product: Debt collection

I received a call on XX/XX/XXXX from this debt collector saying I owed money from a past due in a state I used to live in. The lady I spoke to over the phone told me she would send me a letter from their company and I never received one, so XXXX comes around and they call me again. I say I have never received it and the same lady tells me there is nothing she can do and that she can not send me another one. She offers to let me sign in their payment portal and I get disconnected. I tried to call back but this time a male answered. This was on XX/XX/2021 at XXXX XXXX  MST. He then asks if I have a friend I could borrow money from to pay this debt. I hang up because I cant believe that was said. I manage to call back and get the same collector employee who was handling my case. I was able to login to the portal and see my total amount. The amount due keeps getting higher. I decided to write a letter to get this debt validated. Since then it has been more than 30 days and no one has tried to contact me to validate my debt and the amount I owe just keeps getting larger and larger.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX  ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX  ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX XXXX XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Product: Credit card or prepaid card

Received an email from paypal. email address XXXX. They said " XXXX XXXX sent you a payment request. '' XXXX XXXX  payment request details : transaction No. XXXX dtd XX/XX/2019 amt requested {$290.00} USA pay now. _ I did not click the pay now in blue background button because I do not have a paypal account. The bottom of the email said " Emails from paypal will always contain your full name.To learn more please go to the paypal website and click security at bottom of page. Please don't rely on this email to get in touch with us. Click Help & Contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX XXXX XXXX  must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX OF XXXX XXXX XXXX XXXXXXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Alert has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.
Product: Checking or savings account

XXXX {$65.00} XXXX {$40.00} XXXX {$35.00} XXXX {$40.00} I had funds in the account at the time
Product: Debt collection

I agreed to a payment plan but after weeks of paying they tried to say I still have a large amount remaining and it just seemed unprofessional with how they are dealing with the situation now theyre threatening to have me arrested if I dont repay them
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Debt collection

I am writing to file a complaint against Upgrade , Inc. concerning their unethical collection practices and violations of privacy related to my account. 

Due to financial difficulties, I contacted Upgrade to request a forbearance or a reduced payment plan. Upgrade agreed to a modified payment plan, reducing my monthly payments for six months. I complied with this arrangement, making the reduced payments as agreed. Despite this, Upgrade 's collections department continued to contact me, demanding full payment and incorrectly asserting that my account was delinquent. 

I explicitly instructed Upgrade 's collections representatives that I was on a modified payment plan and that no further payments were due. Nevertheless, their calls persisted. During these calls, I was repeatedly asked to provide my Social Security number, which I refused to disclose due to privacy concerns.

Furthermore, Upgrade began contacting me via unsecured email, disclosing sensitive account information, including visible account numbers and balances. This is a serious breach of privacy and security.

To make matters worse, Upgrade reported my account to the credit bureaus as delinquent despite our agreement that the modified payment plan would prevent such adverse credit reporting. This reporting has adversely affected my credit score and financial standing.

In summary : Upgrade 's collections department continued to harass me despite my compliance with a modified payment plan.

Upgrade requested my Social Security number inappropriately and repeatedly.

Upgrade used unsecured email to send sensitive account information.

Upgrade reported my account as delinquent to the credit bureaus in violation of our agreement.

I request that the CFPB investigate these unethical practices and privacy violations. I also seek assistance in ensuring that Upgrade corrects the erroneous credit reporting and addresses their unethical collection activities.

Thank you for your attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. Accounts should appear on my consumer report with my written permission and no other. In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 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, credit repair services, or other personal consumer reports

As of XX/XX/2023 I noticed fraudulent accounts on my credit report and consumer report that are reported incorrect open date and closed date last active and incomplete account numbers this is grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # 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  OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX # XXXX