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

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was about To pay for an airline ticket, I was offered an American Express credit card stating if approved I would pay {$200.00} less. I applied to get the {$200.00}. I was approved right away, I was given all the information needed to pay, and I paid. I applied only because of the offer. I have talked to 4 or 5 ppl and everyone has a different answer. Now, I was told I wont have the offer because it was declined ... so I was approved but not getting the offer which I find unacceptable. I was told it was on the approval, Of course in very small letters knowing nobody read that ... so, why I get the credit card, and not the offer? I need help please. Big companies keep just by lying getting customers and money offering things that are not real!!!
Product: Debt collection

XXXX. In XX/XX/2022 I used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to move from XXXX to XXXX, during the process they broke my XXXX XXXX XXXX Curved TV , which was worth {$600.00} 2. I requested a refund from XXXX XXXX XXXX XXXX for my broken TV 3. They ignored my request and refused to refund my TV 4. I requested a {$500.00} refund through my credit card 5. They immediately followed back and threatened me to send my info to the debt collector 6. I told them this is what they owe me because they broke my TV 7. On XX/XX/2022 I found SOUTHWEST RECOVERY SER opened a collection account under my name asking for {$500.00} that I do not owe to anyone
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the negative accounts and inquiries listed on my credit report. I request the immediate removal of these inaccuracies to rectify my credit profile. 

Upon careful review, I have determined that these entries are inaccurate and unjustly impacting my credit score. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing evidence to support my claims. However, despite my efforts, these negative accounts and inquiries persist on my credit report. 

This situation has caused undue stress and hardship, as it affects my ability to secure loans, obtain favorable interest rates, and achieve other financial goals. Therefore, I am seeking the intervention to ensure the prompt removal of these inaccuracies from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XX/XX/2023.
Product: Mortgage

I have been working with Wells Fargo for possible home retention options in order to avoid foreclosure and remain in my home. After several attempts and even hiring an attorney, I feel defeated. My first submission was denied due to Wells Fargo stating they could not reduce my monthly payment, I think re-applied using my girlfriends income, which double my income at the time, they still would not provide me with options. Finally a 3rd attempt was made which reflected my most recent income, my rental income and proof of ability to pay and yet once again I was denied as they stated they " can not review the file due to the changes of circumstances being the same '' although that is not true, my income is different. I am not asking for a lowered payment, I am simply asking to start making my payments again. I explained my hardship, in 2010 my XXXX son was XXXX XXXX XXXX XXXX XXXX, additionally I then went through a divorce. These too major events impacted my life and was unexpected. I did not intentionally default on my mortgage but things happen and I am grateful to even have the opportunity to be considered for options but feel I have been treated misfairly and not being properly considered for all options to save my home.
Product: Vehicle loan or lease

My company financed a vehicle in XXXX with Key Bank, and have never been late. In XXXX of XXXX I called to get the payoff, and made the payment. I took out another loan with them for another vehicle a couple of weeks later, and in late XXXX I started getting collection calls. Originally I thought there was some mistake, and they were talking about my new loan. I was getting two or three calls on three different numbers, and sometime there was no one on the line. In XXXX I spoke with someone in the collections department that told me when I thought I paid off the loan they hadn't given me the full amount with {$27.00} in interest. He said he was going to put me on hold, and speak with customer service to have them waive it. After 45 minutes he disconnected the call. There has been several calls back and forth that have ended with them disconnecting the call. Finally out of frustration I paid them the first week of XXXX, and thought it was over. On XX/XX/XXXX I got a Certified Letter with a Right to Cure for another {$28.00} that they want. They've put it on my personal and business credit reports with my score dropping 30 points. I now have until XX/XX/XXXX to pay them or they are coming to get my van.
Product: Debt collection

This company is illegally re-aging my account. This account is past the statue of limitation ; however, the company keeps re-aging my account. Further, this company reported me to the credit bureau before providing me with a 30 day notice.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this f fraudulent account. 

XXXX XXXX XXXX Reported : XXXX XXXX XXXX I requested numerous times from XXXX to correct it, enclosed are the documents sent. 

Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. 

Your prompt attention to this matter is greatly appreciated. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

TU, XXXX  and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Student loan

I got a notification stating that I was in default of a Perkins Loan and was in the process of re-enrolling in school. I called the servicer to request the amount owed {$700.00}. In turn, I reached out the XXXX XXXX and requested a loan consolidation to satisfy the outstanding default. XXXX XXXX quickly turned around the consolidation and UAS ( XXXX ) received the funds on XXXX. I called on more than one occasion to get the payoff/paid in full letter to forward to XXXX University so that they could release the debt on my account. I was promised on two occasions that they would forward me the appropriate information via email only to not receive it. I called on the XXXX and held on the line while the supervisor drafted the attached letter, which is basically an account summary. This information still has not been forwarded to NLDS or www.Studentaid.ed.gov accounts and still shows as a default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy account on my credit report with Experian and XXXX XXXX XXXX XXXX. Both Experian and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor Experian is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Product: Mortgage

I complaint my loan company with unfair lending practices. I have doubts about my current loan company is committing loan fraud. They forced me to sign a new loan agreement in advance before my loan was mature. My current loan term is interest reserve, and the loan is not due until XX/XX/XXXX. I was forced to sign a recording document in XXXX. Later I found out that they used the interest reserve money to pay me back as credit so that they could increase the loan amount in the next period and shorten the loan period as much as possible. The most outrageous thing is that they also charged me an exit fee. 
Their note documents were riddled with errors, including the loans maturity date. 
I paid the property taxes and insurance by myself for the past XXXX years, but they were charged in advance as part of the loan to increase the amount of my loan. But they never paid. 
When they knew I discovered their mistake, they tried to modify the document and coerce me into signing it. They gave me thirty days in the email to consider it and give me a new loan agreement. But before time came, they changed their mind again. First, they stopped giving me new loans, and then they tried to drag me down with a new contract. 
My current loan use my house as collateral. The real purpose of this loan company was to use various methods to increase the loan amount and finally take way my property. They are now putting pressure on me to foreclose my house. 

I need to get the legal aid. 

Looking forward someone help me and thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following phone numbers, employers and addresses do not belong to me remove them immediately : Numbers : XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX, XXXX la, XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that has highlighted significant shortcomings within the platform. Despite using Zelle extensively and promptly reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 
The CFPB 's findings reveal that Zelle has failed to adequately protect consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and calls into question the platforms commitment to consumer safety.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For the past month or so charges using my debit card have been denied. I called the number on the card. After a few tries investigating what happened, the person said that there had been an item dispute and that the card had been canceled. I never called for an item dispute so if they had XXXX it was not with me. They should have issued a new card and they did not do that either. I want to know " what happen '' and i want it written to protect myself. I know nothing about what happened and when. The person said the card had been cancelled and that is not true it is active i just checked the application. So what is the real problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/202XXXX XXXX Date Updated : XX/XX/2021
Product: Bank account or service

I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.
Product: Credit reporting or other personal consumer reports

There were bad actors scammed me as a consumer into providing them my sensitive information and exchanging and distribution to unauthorized companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me. On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

In XX/XX/2020 I was alerted to a new account showing on my Credit Report. This new account was the result of Fraud and Identity Theft. 
I contacted the lender ; XXXX, XXXX XXXX XXXX and reported this theft. I also mailed in the FTC theft report to XXXX and a letter stating the theft and requesting it be resolved. I also filed an Identity Theft report with the FTC. 
XXXX reports to TransUnion. However TransUnion has failed to remove the fraudulent account information from my Credit Report. 
The account went delinquent around XXXX, and has now gone to a collection agency and that is also showing on my credit report. 
Clearly the system is broken.
Product: Debt collection

XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.