23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
Product: Checking or savings account

I am wiring you today to file a complaint against Navy Federal Credit Union due to multiple overdraft fees incurred. Although, my accounts contained sufficient funds when transactions were authorized, I was charged fees due to a delay in posting of charges and credits. My current complaint aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

XXXX University used predatory practices to get me to attend their school or XXXX XXXX and now I struggle to pay them back.
Product: Student loan

I am not being given credit for student loan payments made from XX/XX/XXXX through and including XX/XX/XXXX. Mohela told me I was in a deferment period during that time. I provided them with my payment history ( uploaded to their website ) from XXXX and also provided bank statements which showed monthly payments in the amount of {$210.00} automatically withdrawn and being paid to THE STUDENT LOAN - ID : XXXX. I have taken this matter up with them several times. I also contacted XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, because I am an individual and not an entity, XXXX provided me no information regarding the deferment period that is reported in their system. XXXX XXXX XXXX said they couldn't help me either and didn't know who could. 
I also submitted a complaint to XXXX XXXX XXXX in XXXX of XXXX. Their answer was for me to wait for the complete payment history/account adjustment to be done this year. I did and still no credit was given for the payments made from XX/XX/XXXX through XX/XX/XXXX. 

P.S : No one is/was able to tell me who entered me into the deferment period on my XXXX report starting on XX/XX/XXXX and no one knows who took me out of it. Therefore, it is impossible for me to contact that entity and have them correct their error.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX XXXX, allegedly acting on behalf of XXXX for a debt listed in the amount of {$370.00}, did not notify me of any debt ( s ) owed to XXXX prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as XXXX XXXX XXXX had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being I have rights under 15 USC 1681. 

XXXX Experian XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give XXXX XXXX or experian written permission to furnish these accounts. 

15 U.S.C 1681 section 602 A. States 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 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 iters 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 inaccurate. 


Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 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. 

XXXX  XXXX Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Credit card

To Whom It May Concern - I have a credit card account with Discover. I was on a three ( 3 ) month payment plan with them to cover a missed payment for XX/XX/. Their computer system self-generated a payment plan with 3 equal monthly payments. Auto-payment was set-up and first payment was made on XX/XX/XXXX. I cancelled the XX/XX/XXXX payment because I was making a full balance account payment on XX/XX/XXXX. Which was made ( 2 days after the billing cycle closed ). 

At no time during setting up that Payment Plan or Cancelling the XXXX auto-payment was I made aware by Discover that they would report my account 30 days late to the credit bureaus because of the remaining past due balance that was spread across those 3 payments. Additionally, I did not receive any email/text/phone calls alerting/notifying/warning me that my account was to be reported late ( AS THEY WOULD HAVE IF I WAS NOT ON A PAYMENT PLAN. Late payment, 15-day late emails notifying they will report ) or any mention made in my XXXX statement ( Attached ). 

The lack of correspondence, system transparency, and credit bureau reporting has resulting in a significant credit score drop that is now preventing me from obtaining a mortgage ( Please note I have never been late with Discover ). I, as a consumer, should have been notified that auto-payment cancellation ( moved by 7 days ) would result in Discover reporting my account 30 days late to the credit bureaus. Their system needs to be updated to reflect the above and protect future consumers.
Product: Debt collection

I moved out of apartments called XXXX XXXX in XXXX Wa, we did a walk thru and everything was fine. I found out later that they put false charges on my credit of over XXXX and reported it to a collection agency which they added interest on it for over 7 years. When I did found out about it I took them to court immediately. The judge ruled in my favor and demanded that XXXX return my security deposit. The judge also stated that I should try and have this removed off my credit. XXXX XXXX XXXX has been doing this to low income families since the year 2000 they have lot 's reviews on there website stating that this is what they do. I would like this removed off my credit please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance from apartments is showing in my credit which is incorrect
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the reporting of unauthorized and fraudulent information on my credit report by Experian. Specifically, I have noticed charges from both Net Credit and Open Sky Capital that are not only fraudulent but were reported without my consent, which is illegal under the Fair Credit Reporting Act ( FCRA ). 

I have made multiple attempts to contact both companies requesting proof of my consent for these charges, but despite my efforts, I have not received any documentation supporting their claims. The continued reporting of this information on my credit report is both damaging to my credit and a violation of my consumer rights. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that this fraudulent information is removed from my credit report. It is essential that such inaccurate data be corrected immediately to prevent further harm to my credit standing. 

Please let me know if additional information or documentation is required from my end to support this complaint. I appreciate your prompt attention to this matter. 

Thank you for your time and assistance.
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 CFPB lawsuit highlighting significant issues with the platform. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leavings users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit file with Equifax that was caused by identity theft. I am requesting that you block and delete this information as per the provisions of 15 U.S. Code 1681c2, which mandates that consumer reporting agencies block and delete information resulting from identity theft once proper documentation is provided.

Equifax has deliberately removed the ability for consumers to initiate disputes directly through their online platform, effectively forcing individuals to submit their claims via traditional mail. This calculated maneuver not only introduces unnecessary hurdles in the dispute process but also significantly extends the timeline for resolution. By imposing this cumbersome requirement, Equifax is creating an undue burden on consumers, potentially discouraging rightful disputes and delaying critical corrections to credit reports. 

This shift in policy raises serious concerns regarding consumer rights and regulatory compliance. The Fair Credit Reporting Act ( FCRA ) was designed to ensure accuracy and fairness in credit reporting, yet Equifaxs recent actions appear to be in direct conflict with these principles. By eliminating digital dispute options, the credit bureau is imposing arbitrary barriers that disproportionately affect individuals seeking timely corrections. This practice may not only warrant regulatory scrutiny but could also be subject to legal challenges for unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

I attempted to dispute the error on my credit report with Mortgage solutions in XXXX XXXX after this dispute my credit report was altered to now show XX/XX/XXXX as a late payment. Below I have attached the previous credit report and a current credit report pulled today showing entirely different information made after my dispute. I also attached bank statements with the transaction for each month showing the payments being made on time to Mortgage solutions. 

XX/XX/XXXX and every payment back until XX/XX/XXXX was paid on time over the phone with Mortgage solutions financial via wire trans action for 6 months as shown in the bank statements.
Product: Checking or savings account

I filed multiple disputes with SoFi because someone had stolen money out my account. These people have taken like XXXX dollars out of my account. I filed the dispute XX/XX/year>. The next day SoFi sends an email that they found no errors and the claim is being closed. I tried filling an appeal, they did not want to use the document for me to file an appeal. Out of all the money that was taken from me, SoFi only credit me XXXX dollars. I feel that SoFi did not do a proper investigation. I am very disappointed at this company. How do you only credit XXXX? How are you done investigating not even XXXX hours after filing the dispute. It does not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by me.
Product: Credit card

There is a history of reps of this company telling me one thing, only to find out something different. 

I contacted this organization on XX/XX/XXXX while still going thru the remnants of Category 3 Hurricane Milton and asked for Hurricane assistance. On 2 seperate phone calls, I was assured I was receiving this assistance, Then, when I called back on XX/XX/XXXX due to a monthly payment still showing for both cards, the overseas reps whom are never professional courteous or helpful ( also has been previously advised to company in documented complaints ) told me '' oh u on hardship so you dont qualify '' I don ; 't appreciate being continously lied to by the reps of this organization and the non existent management that never seems to want to take an escalation call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.
Product: Debt collection

Dear sir/madam, I want ESCALLATE to remove the negative report they noted on my credit report because I do n't own the debt in question ( MEDICAL BILL ). They have to remove that from my credit report IMMEDIATELY
Product: Credit reporting or other personal consumer reports

According to FCRA section 611, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is important that we have accurate records on file with those who rely on them most- including not just customers, but also potential lenders or employers. 
After doing some research into Metro 2 compliance standards, I have found that there may be some inaccuracies in reporting going forward if these issues are not promptly resolved. 
correctly.Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
The content mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Arcadia Recovery Bureau invaded my privacy and ran my credit report with XXXX despite having never notified me of at debt that they claim that I owe. To my knowledge, I have no outstanding debts I collection. I am also on the opt out list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following 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: Mortgage

I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives
Product: Checking or savings account

Consumer 's Original Complaint : I have been with this bank for over 10 years. m=My account was closed due to compliance rules before my direct deposit posted without prior notice. 
checking account ending XXXX   savings account I am a retired XXXX veteran and my checks are protected. I have to go through alot of red tape due to the epidemic that is going on most government agencies are not fully staffed. This is unbelieveable and is not an easy fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( Equifax, XXXX, XXXX  ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX  XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX.  The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.