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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
SEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX I signed a loan for a XXXX program in XX/XX/XXXX I was charged partially for a RN program. I signed and went to the school when it was XXXX XXXX XXXX. I was only able to retain the one loan sheet, for the fact I never agreed for a RN program. The loan was sold for XXXX. The amount has remained at XXXX since XX/XX/XXXX. There also appear to be duplicate charges for the XXXX program.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and sent letters along with my police report of the incident.
Product: Debt collection

I disputed the original XXXX debt to this company and I just looked and it was closed. I did not even get notification of the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested removal of negative item from report. I sent in proof that i was no longer responsible. They sent a letter saying deleted. Then they put it back on. I sent another letter with supporting documents, and they said verified. And refused to remove. The letter is from the collection agency. ( Letter is attached )
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before I see litigation for defamation of character. ) XXXX XXXX balance {$15000.00}, XXXX XXXX balance {$2500.00}, portfolio recovery balance {$620.00}, portfolio recovery balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

A late payment and balance incorrect on my credit report They are in violation of code 15 usc 1681a.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was 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: Debt collection

Through several letters I have tried to get them to show me information that legitimizes the validity of that account. They submitted a summary of an account statement. They have not sent a contract in which my signature appears that legitimizes the debt. I don't know that company and I don't have a contract with them. They say they investigated and have resolved that dispute in their favor.
Product: Mortgage

We have a mortgage loan through USAA Federal Savings Bank. We need federal Form XXXX to prepare and file our XXXX tax returns. USAA has failed to timely prepare and post for their customers a complete Form XXXX. We were promised by USAA representatives that they would post complete Form XXXX on their website on XXXX XXXX, XXXX. However, as of XXXX XXXX, XXXX, USAA has not made a complete Form XXXX available to us.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Debt collection

I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused emotional distress and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage loan with Southern Trust Mortgage Co, with mortgage lender XXXX XXXX. I decided to rescind the loan, due to my agent XXXX XXXX and her Broker, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX and the seller 's misrepresentation and breach. Each member of the mortgage closing team lender, XXXX and closing attorney, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the seller, XXXX XXXXXXXX XXXX. seemed to be upset with my decision. 

The seller and agent decided to file a claim/suit for commission/escrow deposit XXXX The agent also proceeded to harrass me on several occasions, trying to coerce me into making the purchase. In order to file the civil claim, the seller and agent I believe had to some how obtain my personal contact, identification, drivers license information and banking information, without my permission, from the mortgage lender. On XX/XX/year>, I received a fraud alert that my non-public personal and financial information was compromised. 

Southern Trust Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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: Money transfer, virtual currency, or money service

I am writing to complain against PAYPAL CREDIT an online credit card service. 

1- On XX/XX/2020, I submitted an online request to revoke enrollment in electronic billing, and switch to monthly paper statements by mail. However PAYPAL CREDIT ignored my request and continues to send electronic statement in violation of the credit card agreement. 
2- On XX/XX/2020, I disputed the amount of {$400.00} that was listed as Amount to avoid Standard and Deferred Interest on your next statement on the statement of XX/XX/2020. Per the Credit Card Agreement and the Billing Agreement, PAYPAL CREDIT can not bill me for the disputed amount. However PAYPAL Credit decided once more to continue pursuing their ongoing criminal fraudulent billing practices and bill me for the disputed amount in the XX/XX/2020 statement. 
PAYPAL CREDIT criminal actions are in violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX XXXX XXXX XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ceased collection on the account for XXXX XXXX but it still remains on my Transunion credit report. The amount is XXXX.
Product: Checking or savings account

Yes, first of all I want to say how sad the world we live in that the people that ate supposed to trust our money let us down and its almost as they discredit us and we end up having to deal with the consequences that isnt fair they failed to even give me any type of temporary credit meanwhile case gets investigated further nothing they failed to provide me with some kind of proof that shows or that can prove theres no error posted, I have a letter from my pastor I was at a church retreat the days of the unauthorized transactions for a week nowhere near I was out lf town I have booking hotel pastor letter pictures of the XXXX services i was at all week there needs to be some light into this case Ive waited way to long to walk and gunna start a XXXX live to get media attention so that others in my situation. Can get some light it should not take 90 days it should not take as long and if so the RIGHT way to do it was credit the claim amount until the case is resolved kt make someone feel like there the suspect or a liar you guys got sued in XXXX for the same thing denying claims Ill be reaching out to the media stations as well to shone some light
Product: Credit card or prepaid card

While in XXXX a restaurant used my credit card for over XXXX dollars. This is a continuation of : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I have submitted documentation to all of my accounts and awaiting responses from XXXX, XXXX XXXX XXXX XXXX and Chase. It is utterly impossible and have retained a lawyer ( XXXX ) as well as filed a police report about the theft. I have contacted Chase in an effort to clear this up. As a result of this theft BOTH of my credit cards with Chase and XXXX have been closed due to my credit score going from XXXX to XXXX as explained to me by a representative of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. XXXX, XXXX and Equifax insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
Product: Credit reporting or other personal consumer reports

Shortly after account opened within days of card delivery charges appeared i asked and disputed. They set card down and claimed sending new. This went on for 6 months now. Paid account to XXXX and repeatedly asked where card is. Never showed. To this day. Requested either get card to me or close account. Neither happened then charged monthly/yearly fees which i called about. Refused to remove. Then charge interest and reported late payments for refusal. Still haven't recieved card. Made multiple calls to attempt to resolve or close account. Service results in nothing happening
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

unauthorized online purchase was made resulting in a charged amount of {$960.00}. The online company was contacted and fraud was reported and online order and account/membership was canceled by the company. The credit card company was also notified of the fraud transaction and a new credit card was issued. one month later, there was a charge back by the credit card company, per credit card company, during their investigation they concluded that I personally made that online transaction and I benefited from that transaction. The credit card company was contacted once again, and I was told that they will review their decision and contact me if more information is needed for their investigation. I am still waiting for them to contact me regarding this issue.
Product: Checking or savings account

My Navy Federal checking account was suddenly closed. A representative told me the reason was because I had an invalid membership. I requested that my funds be mailed to me via cashier 's check, and I was told that my funds had to be held for 3 business days, and after they would be mailed to me. After 4 business days I called and was told I had to reapply for membership using a paper application and mailed back. I no longer want to be a member and ask that my funds be mailed to me.
Product: Debt collection

I have disputed this item SEVERAL TIMES with the credit bureaus but to no avail. I am now trying to get this negative remark addressed. I have no knowledge of this debt that this company is trying to collect from me. Ive asked several times for any AGREEMENT or CONTRACT that they have that pertains my SIGNATURE that they have to confirm this alleged debt and they have yet to produce it and they have still not. I believe this is a form of harassment and has caused HAVOC to my credit profile with this.
Product: Debt collection

15 U.S.C 1681 Section 602A. States The Right To Privacy 15 U.S.C 1681 Section 604A. States A Consumer Reporting Agency can not furnish a account without my written instructions. 
This Company placed medical debt collection on my credit report without any communication. This Debt does not Belong to me And I want it removed from all three Credit Bureau. XXXX XXXX XXXX XXXX XXXX - Bureau of Account Control XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am currently on the line with Equifax disputing incorrect personal information they have on my credit profile. Additionally, I asked for a copy of my most recent credit report and they said they have to send it to the current address they show which does not belong to me and that I have disputed multiple times. They are aware of my current address since they have mailed me a copy of my credit report within the past 6 months, and all of my creditors are reporting my current address. This has been a major ongoing issue with Equifax because every month I am finding incorrect information that has been added or information that has been removed 10 years ago readded out of nowhere. I have over 20 disputes regarding personal information. When I asked to speak with a supervisor the representative transferred me to their survey vs handling the issue at hand.