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

hello- I was involved in the XXXX breach and the Transunion glitch. Now all of a sudden, I have numerous inquiries on my credit report that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. My credit was very good with no derogatory information and now these items have appeared on my report. I have done an excellent job with making sure I have positive credit. But these factors are eliminating me from purchasing a home. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes. Ive used Zelle multiple times, and even after reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that there is no way to track or retrace these funds.The CFPBs findings indicate that Zelle has not only neglected to protect their consumers, but theyve also allowed repeat offenders to exploit the system, leaving their users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX has violated my rights. I looked at my XXXX credit report onXX/XX/2024 and noticed something are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 accounts inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 request and I'm including it again. 
XXXX XXXXXXXX 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: Debt or credit management

XXXX accruing high interest thats more than credit limit. I like millions of XXXX citizens are being sued because affordability and the economy is hard to live and barely able to afford food and bills. This bill is outrageous. After reviewing the company reviews, I understand the complaint and poor customer satisfaction.
Product: Debt collection

15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. You are violating my consumer rights and I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried three time to clear this up in writing and over the phone with Equifax they have me as the owner of a XXXX XXXX XXXX  credit card which belongs to my girl friend and had me as an authorized user without my permission I was taken off and XXXX XXXXXXXX XXXX did remove as did XXXX however for some reason Equifax refuses to do so even with letter from the credit card company
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this
Product: Mortgage

M & T Bank closed my account over night after final payoff was made. They have no responded to my two ( 2 ) requests for : 1 ) Final accounting 2 ) Where are my escrowed funds 3 ) When will satisfaction of mortgage be recorded. 
They have removed my ability to view any information whatsoever- they closed my on line account and have provide NO INFORMATION WHATSOEVER. 

This is vital information for me as my real estate taxes are due this month and I am relying on escrowed funds to make the half year tax payment. 

I have receive no reply to my requests and received no information ; have not received escrowed funds ; a satisfaction has not been recorded.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified 100 % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX and beyond, and a charge-off with a {$150.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXX XXXX and a charge-off with a {$360.00} balance and {$120.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Collection account with a {$78.00} balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Checking or savings account

I have accounts with Mountain America Credit Union. I have a checking account, several savings accounts and loans. Recently, I moved to XXXX  from XXXX. Prior to moving, I updated my address with the credit union and even put in a travel notification to avoid issues during our trip. Regardless, the credit union has disabled my online banking access, disabled my debit card, and refuse to restore access to my account unless I step into a branch. There are no branches in XXXX, so it is completely unreasonable to expect me to drive back to XXXX  to resolve my account. I have spoken to several agents repeatedly and answered all their verification questions correctly. Despite this, they always say I didn't pass their verification, when I know there was nothing incorrect. They are being unreasonable and don't seem to have any practical way to handle this issue under the circumstance.
Product: Debt collection

I looked at my credit report and i learned that MIDLAND credit mgmt is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. Midland is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me account # XXXX
Product: Mortgage

In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. 
As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . 
But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. 
If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! 
This bill therefore reflects a total due of over 3 payments. 
The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. 
In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate late payment information reported by XXXX, XXXX, and Equifax on my XXXXXXXX XXXX XXXX account. These errors have caused significant harm to my creditworthiness, and I believe the reporting practices violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Account Details Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan High Balance : {$43000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Nature of the Complaint Inaccurate Reporting of Late Payments The following late payments have been inaccurately reported across the credit bureaus, despite my consistent on-time payments : Equifax : XXXX XXXX payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and XXXX : XXXX late payments reported for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are erroneous as I have been enrolled in autopay for this account since its inception, ensuring all payments were made on time. 
Account Discrepancies In addition to the late payments, the following inconsistencies exist in my credit report : Closed Date Discrepancy : Equifax incorrectly reports the closed date as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXX. 
Payment History Errors : Equifax reflects fewer inaccuracies compared to XXXX and XXXX, yet all three bureaus fail to provide a consistent, accurate account history. 
Violation of Federal Consumer Protection Laws The errors and inconsistencies in my account reporting constitute violations of : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Obliges credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 : Mandates furnishers of information to report accurate data.

Fair Debt Collections Practices Act ( FDCPA ) : Misrepresentation of account status violates my consumer rights.

Truth in Lending Act ( TILA ) : Requires accurate reporting of financial information to protect consumers. 
Requested Resolution To resolve this matter, I respectfully request the following : Immediate Correction : Remove all inaccurate late payments from my credit report across XXXX, XXXX, and Equifax.

Payment History Adjustment : Update my account to reflect 100 % on-time payments for the entire reporting period.

Confirmation of Resolution : Provide written documentation confirming that the corrections have been made within 30 days of receiving this letter.

Failure to resolve these inaccuracies may result in further action, including formal complaints to other regulatory bodies or legal remedies under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I called chase on XX/XX/23 to see if I can get the pay later fee reduced due to a healthcare emergency I had experienced. I was assured that someone was going to advocate on my behalf with the company. No one ever did. My case number with chase bank is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX, 2017 Forward Movement Recovery has contacted me repeatedly about a payday loan collection. I have never had a payday loan. 

They have threatened to contact my employer, garnish my wages, place it on my credit report and even have me arrested for bank fraud. 

I have blocked their phone number but they just get new ones and try again. 

I have requested written verification, they refuse and claim they are not subject to the Fair Debt Collection Act because they are not a collection agency. 

Various phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXXXXXX, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate XXXX XXXXXXXX, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

Experians negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED INFORMATION TO BE REMOVED AND THEY KEEP RESPONDING UNABLE TO VALIDATE XXXX XXXX  XXXX  IS A NON GOVERNEMNTAL ORGANIZATION REGISTERED IN US 501 ( C ) 3. TAX ID : XXXX REGISTERED IN XXXX XXXX. REG NO. : XXXX I AM A VICTIM XXXX  XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Debt collection

I have sent numerous dispute letters with no response for company or credit bureau. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. One response from XXXX stating debt was verified however when I ask for verification no correspondence sent. I didnt give permission for XXXX XXXX XXXX to report anything on my credit report
Product: Credit reporting

Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). 
According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed
Product: Credit reporting or other personal consumer reports

Please remove address off my report XXXX XXXX XXXX XXXX nc Its a lot address on my credit report and different names I will like for all that to be remove thank u
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I do not know who this collector is. They are harassing family members. They say they are with 'united '. I've never heard of this company and do not know the reason they are calling.
Product: Payday loan

I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both TransUnion and XXXX, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Product: Debt collection

Dear XXXXXXXX XXXX XXXX CALVARY PORTFOLIO SERVICE, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX