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

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy - No Asset, on XX/XX/XXXX that case was discharged. Included in that filing were two accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off Both of these should be showing zero balances ( they're not ) and should have note that they were discharged in Chapter XXXX bankruptcy. I provided Transunion with a copy of my Chapter XXXX BK discharge paperwork showing it was No Asset BK and that it was fully discharged. 

Transunion answered my request to update this information with the following : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Clearly it isn't correct and Transunion is NOT verifying and correcting anything, despite being given proof that my BK has been discharged. 

Additionally I had a card with XXXX XXXX XXXX  that was opened on XX/XX/XXXX and included in bankruptcy. They are still showing my balance as {$6400.00} when it should be zeros across the board. 

Transunion seems very uninterested in helping consumers fix their credit reports as appropriate. This has caused me MAJOR issues when attempting to gain access to credit to build my score/report back up.
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting the discrepancy, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPBs findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about the consumer safety.
Product: Credit card or prepaid card

I bought this card on friday the XXXX and cant activate my card I added XXXX dollars to this card which it was a gift for my daughter now she cant spend the money
Product: Student loan

I have requested a copy of the electronic consent which is required by the Department of Education to accompany the promissory note at all times in order to validate the documents. The reason that I have requested this is because the loan documents that Nelnet has are forged documents created on XX/XX/year> along with the electronic signature. The terms of the loan were changed from XXXX percent to XXXX percent interest and the XXXX  year payment plan changed. A company that deals with loan documents all the time knows that these are forged and thereby is committing a felony by using a fraudulently obtained instrument. Furthermore by trying to collect using these documents is liable for a XXXX dollars from each contact for illegal collection. 
The reason I know the documents are forged is because this was a paper transaction with a wet signature in the first place. 
I also work for the federal government so this can cause me problems with my security clearance. So we are prepared to go to court much sooner than later. 
I await your reply to determine if litigation will be undertaken immediately if I am not happy with your reply. 
This was also previously disputed successfully with PHEAA who admitted that the documents were incorrect and that an investigation would take place. Obviously they just gave you the forged documents and did nothing. There reply is still available on this forum
Product: Vehicle loan or lease

XXXX XXXX insisted on running a credit check to verify my identity for XXXX compliance, claiming it was necessary to ensure they weren't selling to a criminal. I informed them that XXXX XXXX XXXXXXXX XXXX. had already conducted this check with my application. When I questioned this, the finance manager raised his voice, insisting that they needed to run their own credit check to verify my information and that it was the only way I could take the car home the same day. Otherwise, I would need to get a check from the bank for the amount owed, as I was considered a " cash customer. '' I clearly stated that I did not want a credit inquiry, but the sales manager proceeded to scratch off the word " credit applicant '' on the credit application form. He then deceptively obtained my social security number under the pretext of it being for XXXX. Immediately after I provided my information, I received a notification from XXXX XXXX indicating an auto inquiry on my credit report to finance with Honda Financial . I intend to report this to the CFPB and XXXX and dispute the inquiry with the credit bureaus. I hope others report the dealership 's deceptive practices, leading to fines. I will lock my credit to prevent any misuse of my personal information.
Product: Credit card or prepaid card

XX/XX/XXXX at XXXX I placed a grocery order with XXXX online. Their software malfunctioned. The order didn't go thru, no email, no order #- it was a 'ghost order '. 
But immediately, {$190.00} was pending on my Discover credit card. 
I spoke to XXXX XXXX in XXXX billing. She tried very hard to have Discover remove this charge. She placed a 3-way conference call to Discover. XXXX from the XXXX call center was took the call. XXXX identified herself as an agent from XXXX billing. She asked him to remove the {$190.00}. She told him it was not a legitimate charge and the billing dept would not claim this amount. 
He was extremely rude. He hung up on us. 
XXXX called back. The next rep hung up on her. XXXX called back again. Discover blocked her phone # because the call wouldn't go thru. 
XXXX told me XXXX billing has problems dealing with Discover ; the same problems I'm having. 
All other credit card companies ( banks ) remove the charge after 24 hours if the merchant doesn't claim it. Discover credit holds onto a charge for as long as they can, which is 10 business days. 
THIS NEEDS TO STOP.
Product: Debt collection

Subject : URGENT - Aggressive Dispute - Misrepresentation of Debt and Request for Removal Dear TransUnion, I am writing to express my utmost outrage and frustration regarding the misrepresentation of debt on my credit report, specifically in relation to an account allegedly owned by XXXX XXXX XXXX. The documentation I received, which is supposedly validation of debt, clearly shows a contract that was opened on XX/XX/2017, with a balance of {$11000.00}. However, I would like to bring to your attention the fact that this account has already been paid off and is inaccurately reflected on my credit report. 
Upon reviewing the documentation provided by XXXX XXXX XXXX, it becomes alarmingly apparent that the contract in question is actually owned by XXXX XXXX XXXX. This is a blatant misrepresentation of the facts, and I demand an immediate explanation for this gross error and manipulation of information. 
It is not only unethical but also a violation of my rights as a consumer to have inaccurate and misleading information displayed on my credit report. I have worked diligently to maintain a positive credit history, and your failure to ensure accurate reporting undermines my efforts and compromises my financial standing. 
I hereby demand that you take immediate action to rectify this matter. The account in question, which is falsely attributed to XXXX XXXX XXXX, must be promptly removed from my credit report. I will not tolerate any further delays, excuses, or attempts to shift responsibility for this egregious error. 
I remind you of your legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information contained in credit reports. This includes promptly investigating disputes and correcting any errors or misrepresentations. Your failure to do so not only constitutes a violation of FCRA but also demonstrates a complete disregard for consumer rights and fair reporting practices. 
Attached to this correspondence, you will find the documentation provided by XXXX XXXX XXXX, clearly illustrating the misrepresentation and erroneous reporting. I expect you to thoroughly review this evidence and take immediate action to rectify this situation. 
Furthermore, I demand that you provide me with written confirmation of the removal of this inaccurate account from my credit report within [ state a specific timeframe, e.g., 10 business days ] of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies to ensure my rights are upheld and to seek appropriate damages for the harm caused by your negligence. 
I trust that you understand the gravity of this matter and the potential consequences of your continued inaction. I demand a swift resolution to this dispute, and I will not hesitate to escalate this matter to the highest authorities if necessary. 
This is your final opportunity to rectify this situation and demonstrate your commitment to fair and accurate reporting. I expect nothing less than immediate action and a comprehensive response addressing each of the concerns raised in this letter. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I opened up a cash app account I have {$340.00} in the account they have Frozen my account my debit card they send me don't work when I try to go to the ATM the giving me all this running around and I can not get my account on froze they asked to see my identification I sent them a copy of that and they still won't release my account so that I can receive and send money cash app is a member of square Inc and they're doing nothing to help my problem my name is XXXX XXXX My email is XXXX my phone # XXXX please help me get my account on froze
Product: Credit reporting or other personal consumer reports

Capital One Account XXXX XXXX  is showing up on my credit file as a charge off account and that {$700.00} was written off. 

Legal Basis for Complaint Violation of XXXX XXXX The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a XXXX form. The failure to issue this form, not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 

FCRA 1681s 2 ( a ) ( 1 ) ( A ) CFPA 1036 ( a ) ( 1 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion 2 certified letters requesting them to look into a couple items I wanted to dispute on my credit report. They received my letter and I have never received an update or any information on what is going on with it. The other 2 reporting agencies closed the disputes out because I was able to prove it wasnt mine! And now the company Im disputing through TransUnion just hit up my credit report again!! I sent the certified mail documents to TransUnion XX/XX/XXXX and they are still allowing the company I am disputing to make a hit on my credit report?! Thank XXXX XXXX and XXXX was on it. I mailed my disputes to all 3 companies the same day and the other 2 companies took care of it immediately. Why should I have to wait forever for TransUnion to get their XXXX together and fix it?!?! No one ever answers the phone either! I have a call log of all the times Ive tried! And I have proof of the certified mail receipt!
Product: Mortgage

My home is set for foreclosure on XX/XX/2020. The foreclosing Servicer is Select Portfolio Servicing. I had sent them a Qualified Written Request disputing some information concerning the loan as well as the foreclosure process as well as some further information on the payoff amount I requested. It seems that some previous forbearance and modification payments had been put in holding accounts and not processed towards the the Principle and interest ion the loan. 
In a response letter to me they requested that i deal only with the foreclosing Lawyer, XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX he informed me that they have nothing to do with the requests made and that they have no ability to address them. They only deal strictly with the foreclosure process. They informed me that only Select Portfolio would have to address these issues and they have not. 
So now I am stuck between a Servicer who won't answer my questions and refers me to the lawyer, and a lawyer who says it's not his job to answer questions about the loan, leaving without anybody to get answers from. 
My requests to Select Portfolio were for mediation to be held on this loan so that we may be able to meet face to face and possibly come up with a solution the issue. 
Are quest for proof that the foreclosure sale was posted in a timely manor to the XXXX county ga. legal sections. 
As well as a dispute as to why a modification was denied. 

Attached is the letter i got in response to my requests referring me directly to the foreclosing lawyer instead of answering my direct requests. 

I request that the XX/XX/2020 foreclosure date be postponed until this is settled.
Product: Credit reporting or other personal consumer reports

I dont know who this person is, I never did business with them. And they furnished a report with my personal private property without my consent. I want them off my report because its damaging. Unless they can provide the original contract we have with the all signatures
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX. I am requesting that the items i have uploaded circled in red to be removed from my report as they are older than the statute of limitations of 7 years. The account in question is 9 years old and is too old to be reflected on my report. My other reports have removed this item and I am requesting this item to match all reports.
Product: Debt collection

Pursuant to

18 usc 8 The United States is responsible for all debt. 18 usc 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
( XXXX XXXX XXXX, ch. 645, 62 Stat. 685. ) There is not law that states I have to pay a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off my credit report.
Product: Debt collection

I am writing in reference to a debt that I am not responsible for due thru identity theft back in XX/XX/XXXX for XXXX. I have also alerted the three credit reporting agencies and I have placed a fraud alert with all three agencies. On XX/XX/XXXX I  received paper work from XXXX XXXX XXXX XXXX which are attorneys for Midland Funding LLC stating that I am being sued for an account that I have been diligently requesting validity for, at least showing something with my signature ; however, no one has contacted me or sent the requested information. The account number for this XXXX/XXXX XXXX account is XXXX as listed on the three credit reports. 
I currently have several accounts with XXXX XXXX that are current and in good standing and I do not want this to cause a trickle affect to my credit relationship with this creditor. Please, if you will, contact Midland Funding, for they are the listed Plaintiff on the claim, advising that they have not submitted the requested validation information to me proving that this is my account because I have never applied for a XXXX account. Also asking them to please drop the sue for this account is not mine.
Product: Debt collection

Federated Capital has continuously harassed me for over two years now to collect a debt from a credit card back in XXXX, that I was forced to drop XXXX credit cards when I lost my job at the XXXX in XXXX, then in XXXX XXXX the house I was living in burned down and I was homeless until XXXX of XXXX when I finally got subsidized housing -- - XXXX 

XXXX, AZ XXXX Direct Line : XXXX Help Line : XXXX XXXXXXXXXXXX this organization has sent over five letters to Federated Capital which Federated Capital completely ignored and continues to call me, send me letters, e-mails -- - and now I am getting phone calls from XXXX XXXX attempt to collect on Visa XXXX XXXX XXXX ( XXXX ) XXXX attempting to collect from a VISA back in XXXX for some {$5000.00} approximate debt -- - I am a XXXX Veteran existing entirely on Social Security and now I have developed XXXX and am XXXX for by the VA Hospital doctors here in XXXX Arizona