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

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to pay XXXX in full beginning in XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college   graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XXXX when I ended up having to give XXXX my checking account instead of my savings account despite the reassurance from XXXX that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. XXXX told me they attempted payment so many times that they had to date the payment for XXXX and that they would remove all late payments and report to the credit bureaus that the late payments were XXXX fault and they should be removed. I called again on XX/XX/2020 and XXXX told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and XXXX told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with XXXX XXXX obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX Account number : XXXX XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXccount number : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2024
Product: Checking or savings account

Yo whom it may concern Im having a financial hardship situation at this moment and my grandmother is sick and hospitalized in the hospital and need medication and a XXXX and I have to cover those expenses.due to my financial hardship situation I cant afford to pay the overdraft fee as Im struggling to pay for my grandmother medication and XXXX I would like to ask us bank to help me wave this fee as a courtesy as I cant afford to pay that fee over draft fee but I am able to deposit the negative balance amount to have my account back to current I was not aware that the person who I endorse the check would actually deposited yesterday and would cause me an overdraft fee usually when a check is deposited it takes from 1 to 3 business days to clear out but that check was endorsed since agust and just cashed out and affected me to be overdraft when Im struggling financially due to my grandmother health emergency situation. Please help.
Product: Student loan

XXXX I was constantly getting emails from a company called Nelnet and now, Im seeing today after speaking to them about me looking for a job, I just graduated, a United States Department of Education email about missing payments. Below my US email report spam, so this is what Im doing because, I can not believe Im getting these spam emails that scare me and ask for my private information and phone numberetc.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that some accounts were reporting inaccurately. Please check the documents I've included regarding this important matter.
Product: Debt collection

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$44000.00} XXXX XXXX {$10000.00} XXXXXXXX XXXX  {$17000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$9400.00} These credit accounts are the results of identity theft and fraud.
Product: Mortgage

The closing has been pushed back 3 times. I have had to change my moving date, incur extra costs at my present home, change my movers 3 times, change my painters 3 times, change my carpet cleaners 3 times. Today at  XXXX  was supposed to close. There was structural work at the home I 'm purchasing that the appraiser had to see and verify with the lender that the work was completed. This was done. Now the bank tells me that they can not close until the  appraiser  goes back out and verifies that the wall paper and the chair rail were put back up in the basement rec room. It is up, I saw it when I did my final walk thru Wed  XXXX / XXXX /  XXXX  . What does wall paper have to do with getting the mortgage approved? That is not a structural repair, it is decorating. I feel that this is bad faith. I had to wire my down payment and closing fees from my bank account yesterday to the title company. Again, that does seem right to me. I started this loan process on  XXXX / XXXX /  XXXX  .
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I mistakenly transferred the amount of {$750.00} to the wrong person who would not refund the transaction. I contacted CashApp support on XX/XX/2020 by disputing the transaction because I was unable to reach a representative by phone. I then received a generated response saying that if it was a peer-peer transaction they unfortunately could not resolve. I reached out through XXXX  on XX/XX/2020 as well and was messaged by their team who said that they could report the account, but could not retrieve my money from them.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

.
Product: Credit reporting or other personal consumer reports

See attached legal documents FACT 1 Attached car contract w/ XXXX XXXX XXXX XXXX. 
FACT 2. Equifax is committing CONSUMER FRAUD/FCRA Violation & posting FAKE name " Public Service XXXX on Equifax credit report.

FACT 3. XXXX document says NOT affiliated with XXXX XXXX XXXX. 
FACT 4 : Equifax digs fake info off the dark web is FRAUD & post fake account on my credit report.

FACT 5 : Equifax has corporate hackers is FRAUD.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

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

On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XX/XX/XXXXI received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
DEPT OF EDXXXX XXXX Balance : {$64000.00} DEPT OF ED/XXXX XXXX Balance : {$6400.00} DEPT OF ED/XXXX  XXXX Balance : {$13000.00} DEPT OF ED/XXXX XXXX Balance : {$1200.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -
Product: Debt collection

On XXXX XXXX I contacted the CFPB in regards to a complaint # XXXX that was submitted in XX/XX/XXXX. However I conversed with an agent and I was informed that my complaint needed to be forwarded to the Federal Trade Commission. I called the XXXX XXXX XXXX XXXX and I was not successful answering the security questions accurately in regards to the Derogatory Marks and /or Collections on myXX/XX/XXXXReport and the agent continued to coach me by phone to register on line. Once I set up the online account for the CFPB I viewed the collection account For XX/XX/XXXX and I found LJ Ross # XXXX for {$150.00} that was paid and closed on XX/XX/XXXX. I had no knowledge that the account was there because I was told once the account was paid in XXXX it would not affect my credit at all, it would be closed out. I contact LJ ROSS and XXXX said it will not be removed. I do not think it is fair to have {$150.00} Lingering on my credit report after I was told it would be closed years ago and no reported. On XX/XX/XXXX I also paid {$30.00} to close out any debts in there office. Please remove all debts that were previous paid.
Product: Mortgage

After transferring my loan, XXXX ) my new mortgage company ( CrossCountry MorgageXXXX XXXX XXXX CCM ) claims payments were late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

* I emailed proof ( payment confirmations for every month since XX/XX/XXXX ) from my bank, confirm that this is false. 

2 ) CCM added escrow after transfer, without cause * Even though I pay my own insurance & taxes ( both currently paid ) XXXX ) on XXXX I requested escrow to be removed ( XXXX ago ), I notified CCM that I had escrow removed with my previous mortgage company and didn't want to add it. 

* CCM continues to increase supposed escrow payment requirements & thus total monthly payment requirement and * CCM ignores all evidence that I paid in full to justify an escrow account be maintained.

* I've been in contact with numerous CCM representatives, including but not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting

I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXXXXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost two months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am one of the people that the govt refuses to allow to be forgiveness with their federal loan regardless that I am XXXX years old and my income qualifites but they refuse and use Household income. 

I have paid XXXX so far back on the XXXX owed and XXXX ( was XXXX ) will not update the correct amount on the credit bureaus, Experian is one I show. 
It appears that I have not paid anything on the loan. It better not just apply to interest. 

Please reach out to them and I tried but they refused to let me speak to anyone there who handles credit reporting.