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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX Balance details 5 % paid off Balance {$32000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$32000.00} Original balance {$34000.00} Monthly payment - Additional info Responsibility Individual account Terms XXXX  Months Company sold - Original creditor - Comments Account information disputed by consumer Your statement - Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN XXXX  DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' " PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! 
I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 


RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handling of disputes. In the light of 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 receiving lost fund were impossible and that tracking these transactions was in XXXX. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unaccompanied and raises serious covers about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone authorization to have access to my credit report and to missus it and would like for it to be removed
Product: Debt collection

15 USC 1681 My information was included in MULTIPLE DATA BREACHES. This is not my responsibility. I have reported to the three majors with no avail.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed a fraudulent account on my report please remove this account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( 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 Account name Date of requests ) + Options XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXXXXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have an online membership with Experians credit monitoring service. I had Experians monitoring service for a few years. Please note : I have years of on-time payment history with multiple accounts. This is proof I dont have a thin file. Moreover, other credit monitoring websites are successfully able to pull my Experian credit report. In addition, I am successfully able to pull my Experian credit report from annualcreditreport.com At this juncture, Im no longer able to access my credit reports from Experians website. My login credentials are defunct. I have never requested to cancel my membership. I tried to create a new Experian membership, however, I get an error message. I have clicked on forgot username and forgot password however, I get a response that states there is no match. 

I have called Experians membership department and created an escalation ticket. If other consumers have a right to access their credit reports from Experians website, why dont I have equal access? I believe this is, among other things, a discriminatory practice. 

This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

XXXX  from  REVCREST Inc e xplained to me that i could not lower my payments as the young lady before told me that after  XXXX  garnishments  ( whic h are creating a big hardship as it is  XXXX  put of my check a month and my bills are behind due to this ) I could lower my payment, she then asked for a financial statement over the phone,. I gave her the information and now i am being told different, that i would have to continue the garnishment and i would have to make payments as well.       is this legal? if so I will be homeless soon!     every time i ask for a hearing which is my RIGHT, I have been denied ... IT IS MY RIGHT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX and XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I am disputing the collection account with SYNCB/CARECR number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SYNCB/CARECR provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a cfpb complaint and XXXX  complaint and nothing as happened. I filed several dispute with all three credit bureaus and they did the debts were verified each time I have two debts with National Credit Systems that need to be removed asap. Please see attached documents
Product: Credit card

I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022, I received a notification that my credit score went down on XXXX, I logged into my account and do not see what company had reported something on my account. So I called XXXX customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on the Transunion account File Number XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual This consumer reporting agency also failed to delete various different names on my consumer report and they shall only have XXXX XXXX listed.
Product: Credit reporting or other personal consumer reports

In XXXX a small claims lawsuit was filed against a car dealership company in XXXX XXXX known as XXXX over an out of court settlement ( XX/XX/XXXX ) and the account was not removed from my Equifax credit report even after it had been settled and agreed upon that the company would remove the account from my credit report. The judgment handed down from the court 's ruling was that XXXX had to pay back XXXX dollars, but we had an out of court settlement through a settlement agreement and mutual release which XXXX had agreed to pay XXXX dollars along with removing any accounts of theirs on my credit reports. XXXX report in particular on Equifax was not removed and it still to this day remains on my credit report and Equifax has not removed it despite a dispute being filed. XXXX had removed both reported accounts on my XXXX and XXXX but not on Equifax. 

Companies involved : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Equifax Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Dear CPFB I am complaining about M & T Bank where I have a joint with my daughter. 

Within the last year, I went to the XXXX Branch of M & T Bank and met with Assistant Manager XXXX XXXX. I asked to be removed from the account. As I watched, he worked on his PC, and told me I was off the account. I asked if I had to sign anything, he said no and I left thinking I was no longer an account holder. 

Imagine my shock when on XX/XX/XXXX, I received an email for insufficient funds notice. Turns out this was my first notice but the the last one before the bank blocked the account and began their collection process. 

So I had no knowledge but looked into it further and a small matter, less than {$100.00} for a purchase, the first membership fee, and an overdraft let to almost {$300.00} owed. My daughter chose to NOT have her card overdraw her account for everyday purchases. I further learned that the gym is a recurring transaction and not impacted by this choice. 

The account is negative almost {$300.00}. Is it reasonable for 6 fees of {$38.00} for two items overdrawing the account {$62.00}?

It seems convenient that my wishes to be removed did not happen, and M & T only bothered to contact me when the account was a mess. 

She paid M & T bank last year a total of {$610.00} in fees I have since learned researching this matter. She stopped using the account, and a charge for XXXX XXXX XXXX  XXXX XXXX  overdrew before she could close the account. 

Im contacting the CPFB to make sure you are aware of M & T Bank and the fees it charges account holders. How a customer can pay over {$600.00} last year, and this year two items can cause another {$230.00} in fees. And only when a sufficiently large balance is racked up, do they contact everyone on the account? 

When I contacted the bank, I was told that I remain an account holder and responsible, the account needed to be closed to remove my liability, and that I need to pay in full. Im willing to pay a reasonable amount on behalf of my daughter. 

Please help me in this matter, thank you.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against for XXXX XXXX inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company ( USAA ) called me and explained to me my debt was charged off and it was turned over to an in house third party collection agency. Under the Internal Revenue Service, a charged off debt is considered a security of indebtedness which qualifies it as income. Therefore income can not be reported on your credit report. In light of this information, kindly remove this negative mark off my credit report. Thank You!
Product: Debt collection

XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Product: Student loan

This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.