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

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX XXXX is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account
Product: Credit card

Self credit report that i have missed payments when agreement. is self credit builder report that i have delinquent to all three credit agencies that information is incorrect and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been enrolled in the XXXX XXXX since XX/XX/2023, before the interest pause ended. I have been enrolled in autopay making payments and interest has still accrued on my account. EDfinancial assured me several times this would not occur and yet I have accrued thousands of dollars in interest.
Product: Money transfer, virtual currency, or money service

I am concerned about XXXX handling disputes since I have just found out about the recent cfpb lawsuit I have had many issues with Zelle and have reported about it numerous times but never had any adequate answers they informed me that recovering any lost funds were impossible that tracking these funds are impossible which leads me to believe they dont care about their consumers and are willing to let scammers run their scams safely
Product: Credit card

I used my fifth third MasterCard for a deposit with a merchant, the merchant has not provided the service promised. I tried to resolve with the merchant and they were not willing too. I then disputed the charge with fifth third MasterCard because the service was not provided the merchant withdrew from fulfilling our contract. I also made fifth third MasterCard disputes department aware that the merchant has no return or refund policy posted on their webpage where I paid my deposit. To my understanding this is a requirement from XXXX and XXXX. When I spoke with fifth thirds dispute department they confirmed this and assured me they were disputing this charge with the merchant
Product: Mortgage

We explored refinancing our house with Zillow in XX/XX/2020. We ended up not moving forward with that and did not ultimately complete disclosures or get anywhere close to closing. 

As part of the refi, Zillow listed themselves on our XXXX insurance as the mortgage company on a business to business portal that is apparently used for mortgage and insurance companies to communicate. That is supposedly a normal practice, but what should have happened and did not was for Zillow to remove itself as the mortgage company with XXXX when we decided not to pursue the refi The end result was XXXX issuing an escrow refund check that would have gone to our actual mortgage company, but instead went to Zillow because Zillow continued to list themselves as the mortgage company. We have spent hours on the phone with XXXX and attempting to get through to a Zillow accounting person with no success. XXXX has done the same, with no success. 

So, I am now reaching out to you for help. Zillow owes XXXX {$1800.00}. Until Zillow pays this to XXXX, XXXX will not refund our escrow which is now overdrawn. We are on a fixed retirement income so a 20 % increase in the mortgage payment due to this escrow shortage is a big deal. 

We need Zillow to refund XXXX so XXXX can refund our mortgage company, XXXX XXXX, balance the escrow and decrease the mortgage payment. 

Can you help? 

Thanks.
Product: Debt collection

Experian refuses to remove a collection account with XXXX XXXX XXXX XXXX from my credit report. The collection relates to charges from a medical practice that were discharged as part of a settlement. I do not owe them for this medical proceedure.
Product: Credit card

I was charged twice by a company called XXXX. I called chime to dispute the charges. They asked me to email them supporting documentation and I did. I called and spoke with a supervisor who was rude and when the call was over she went and had my dispute denied out of spite. I called back and explained to another supervisor what had happened and she was no help and rushed me off the phone. I have to say that chime is the worst bank Ive ever dealt with and needs to be reported.
Product: Mortgage

Wells Fargo reportedly report payments wrong on my credit report even though they have been written about these errors more than XXXX. On both XX/XX/XXXX and XX/XX/XXXX one can clearly see on the statements form Wells Fargo Bank. In XX/XX/XXXX they processed the payment for that month on the XXXX of XXXX. In the past month tried to get ahead by paying {$500.00} before the new payment was due and instead bank used it for so called. " late Payments and not towards principal and interest from for the loan Because of their continued malfeasance, recklessness, and stubbornness to investigate and report accurately has cost my family significant amount of money. We not only have had our credit reported wrong and has prevented us from refinancing as well as current lenders are charging more interest due to the reporting charging more because of the reporting. We are also prevented from lowering our interest rates with any of our other creditors by allowing us to participate in offers with a little higher reports.
Product: Credit reporting or other personal consumer reports

Original dispute opened XX/XX/year> and XXXX closed disputes without providing the requested information. I asked the company to verify that they did a proper investigation and statements that verify accounts/payments. I also asked for them to remove hard inquires that are reporting that are unauthorized/duplicate inquiries. Disputes were closed within days and without any of the requested information. Agents refuse to disclose the investigation process by phone and make it difficult to look into items.
Product: Debt collection

When checking my creditkarma I see a new collections account that I'm 100 % unfamiliar with. it is from ELEVATERECOVERY.LLC which I've never heard of, and the XXXX is full of scam reports about them. I have had XXXX mail or any form of communication from said company, it does not list an account number, shows I owe {$2200.00} that I know NOTHING about. The company shows to be based out of Texas ( I live in Louisiana ) but when searched on scam-detector.com it says its a cryptocurrency related proxy site with a private registration, address listed is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' in Arizona. Please investigate this company as it appears to be fraudulent and attacking people through their credit report.
Product: Credit reporting or other personal consumer reports

I recently received my award letter from the XXXX XXXX , forgiving all my student loans. However, despite this forgiveness, XXXX continues to report a negative closed account. Not only were the loans forgiven, but the monthly payments were also XXXX dollars and XXXX cents. This situation grossly violates my rights under civil violation codes, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ).
Product: Credit reporting or other personal consumer reports

XXXX. Account name : XXXXXXXX XXXX XXXX - This account was created by x spouse who taken my identity while on active-duty orders in military. 
Account number : XXXX Original creditor : XXXX XXXX Account number : XXXX Date opened XXXX XXXX, XXXX Open/closed Status updated : XX/XX/XXXX Account type Credit card Status : Account charged off. $ XXXX off. {$XXXX} past due as of XX/XX/XXXX. 
Balance : {$XXXX} Balance updated : XX/XX/XXXX Credit limit : {$XXXX} Last Payment Date : XX/XX/XXXX Past due amount : {$XXXX} : Highest balance : {$XXXX} XXXX. Collection Agency : XXXX XXXX- This account is fraud as well I was never joint on any account with my consent or knowledge Original Creditor Name XXXX XXXX XXXX XXXX XXXX Assigned : XX/XX/XXXX Original Amount Owed : {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status XXXX  Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This account XXXX supposed to be taken off credit from creditor Account number XXXX Date opened XX/XX/XXXX Closed Status updated XX/XX/XXXX Account type Auto Loan Status Paid in settlement. $ XXXX off XXXXXXXX XXXX XXXX XXXX This account is fraudulent Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Account number : XXXX Original creditor SRP XXXX XXXX XXXX Company sold Date opened : XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status : Collection account. {$XXXX} past due as of XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Reported Balance {$XXXX} Account Status PAYS_AS_AGREED Available Credit {$XXXX} High Credit {$XXXX} Payment Responsibility XXXX XXXX XXXX {$XXXX} Account Type XXXX  Terms Frequency MONTHLY Term Duration Balance {$XXXX} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$XXXX} Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount Months Reviewed XXXX Delinquency First Reported Activity Designator PAID_AND_CLOSED. 

XXXX XXXX  XXXX ( CLOSED ) - no knowledge of this account fraudulent Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your XXXX XXXX. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$XXXX} Account Status PAYS_AS_AGREED High Credit {$XXXX} Payment Responsibility XXXX  Credit Limit Account Type XXXX  Terms Frequency XXXX  Term Duration Balance {$XXXX} Date Opened XX/XX/XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$XXXX} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX- XXXX XXXX XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open
Product: Credit reporting or other personal consumer reports

I submitted a letter 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is supplied here again with the information to block reporting of dept of ed XXXX acct XXXXx.equifax is a scofflaw regarding the fcra.the dept of ed receives XXXX requests for credit correction, according to an outgoing executive.the dept of ed is overwhelmed and can not handle their workload, equifax damages me tens of thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place. 

The Below Accounts And Inquiries Are Fraudulent And Not Mines : Accounts : 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

I am an XXXX XXXX victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Bank account or service

I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter for LexisNexis to validate debt but they have not replied. Letter attached
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be removed.
Product: Credit reporting or other personal consumer reports

Called fraud department to explain my ex-wife had authorized an increase on a loan that I did not authorize or sign for. Original loan I cosigned on while we was together. 3 months after we split she changed the account to where I wouldn't receive the mail or emails and applied for an increase on the " total loan amount ''. The fraud department let me know they couldn't do anything essentially except change my email and lock the account. The ex-wife is apparently extremely delinquent on these loans ( which I couldn't have know until my credit took a huge hit, because I wasn't receiving any of the mail or emails ).
Product: Debt collection

On XX/XX/XXXX a letter was mailed to my mother 's home not my home and threaten to sue me for debt from a dealer that sold me a lemon car. the Minnesota Attorney General sued the car dealer XXXX XXXX XXXXXXXX XXXX XXXXXXXX for selling consumers lemon cars and furthering damaging their credit even more. XXXX XXXX XXXX of XXXX sold me a XXXX XXXX around XXXX of XXXX. The engine immediately went out and was recalled. I lost my job and further damaged was done to my credit picture that I was trying to rebuild. Messerli & Kramer Attorney XXXX XXXX XXXX # XXXX has pursued to sue me in XXXX XXXX XXXX courts on behalf of XXXX XXXX XXXX when the debt should have been wrote off because the XXXXXXXX XXXX XXXX XXXX XXXXXXXX was furthering more harm on those that had little to no credit so much that the Minnesota Attorney General sued the dealer on behalf of consumers. However, I informed this aggressive debt collect by certified mail. However, he is still pursuing to sue me over debt that legally should have never been taken out because the product sold was a lemon with an engine that went out shortly after purchased and before the first car note was due. I'm experiencing low income and this law suit will further cause me financial harm when as the consumer the product should have never been sold with a bad engine. I've tried to help myself with this matter and I'm hoping the CFPB can help. I have 21 days to respond before Messerli & Kramer file in the courts to sue me over debt XXXX XXXX XXXX owe for fraud & selling lemon cars to consumers. Please help.
Product: Debt collection

XXXX continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

XXXX reported in XXXX XXXX, through CFPB that my account was at a zero balance until XXXX XXXX, XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/EQUIFAX/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I have open credit accounts with companies I am unaware of such as XXXX XXXX XXXX, I disputed debt collections multiple times and was stated that those collections are accurate with 0 % proof of these collections where made by me. I requested multiple times for these to be disputed. Closed accounts are still effected my credit score which effects my kids lifestyle. With these drastic reports I cant get approve for house, car, loans and etc. How is that these XXXX dollar companies are effecting poor communities without any consequences?
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX