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

XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away.

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.
Product: Debt or credit management

I paid Lexington law to assist in repairing my credit without recompense. I never had the help that they promoted.? I was scammed over and over until I finally stopped paying them in XXXX of 2024. I was with the company for 8 years all together.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized and need to be removed from my Equifax credit report. 
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, credit repair services, or other personal consumer reports

This secured credit card account was closed and later charged-off in XXXX by XXXX XXXX who did so without my notice and refused to allow me to pay the {$140.00} balance for deleting the negative remark on my credit report. After repeated attempts to deal with XXXX XXXX directly without success, I wrote all 3 credit reporting agencies asking them to delete this account for inaccuracies such as : showing a current balance when the account has been closed for years, reporting a closed account date while also reflecting a current balance, reporting a current status on a closed account XXXX XXXX refuses to reopen to allow payment for deletion, as well as other inaccuracies including incorrect dates reported consistently throughout all 3 reporting agencies.

The last certified letters were mailed to all 3 bureaus on XX/XX/XXXX, today is XX/XX/XXXX and I still have no reply as to the status of the investigation and I am requesting the CFPB outright stricken and delete this inaccurate entry on my credit report across all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the better part of the last two years trying to have fraudulent accounts removed from my reports. The time, stress, and financial damages they have caused me have beyond nauseating. These credit reporting companies have done nothing that would remotely be considered a legitimate investigation into these concerns. My next steps are to take these concerns to federal court. 
15 U.S Code $ 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 resulted from alleged identity theft, not later than 4 business days after date of receipt. It has been well over 30 days and you are VIOLATION of this law due to the very fact that I AM A VICTIM OF IDENTITY THEFT!!!! Please delete these items that are enclosed on my federal identity theft report. 
To be clear, these accounts should not be furnished on my consumer reports as they are in VIOLATION of 15 U.S Code $ 1681c-2 AND under 15 U.S Code 1681b Permissible purposes of consumer reports, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I XXXX XXXX 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. As a consumer im demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a dispute to TRANSUNION and they stated in writing that they've " VERIFIED '' that the items I disputed are being " reported correctly ''. They have NOT provided me a copy of ANY original documentation that they have on file that is required under Section 609 & 611 ( a ) ( 1 ) ( A ) - ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which CAN NOT be verified. ''
Product: Debt collection

I was sent a letter XX/XX/23 saying I owed {$250.00} for an XXXX XXXX account that I do not have. 
I.C. System Inc. 
XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Mortgage

My mortgage was transferred from XXXX to Selene Finance somewhere around XX/XX/2024, which was the end of my forbearance period with XXXX. I did not receive any communications from either mortgage servicer until mid XX/XX/2024 regarding the transfer. I had applied with XXXX for mortgage restructuring in XXXXXXXX XXXX XXXX, and the application was in underwriting when the transfer happened. I did find out at a later date that the XXXX application was NOT sent to Selene Finance. 

I created an account on Selene Finance on XX/XX/2024. 

Once I created an account, I sought a way to communicate with someone and found only an email and phone number. An email garnered no response regarding my mortgage situation. 

I found a place on their website to apply for mortgage restructuring now that I was showing a balance of over $ XXXX because my forbearance from XXXX had ended. I was unable to make any payment less than the total amount outstanding. 

Upon attempting to call someone at Selene Finance, it took me several weeks to actually figure out how to get through to a human being in their phone tree. 

I did eventually speak to someone on XX/XX/2024 who told me that my mortgage restructuring application was under review and that a response would be supplied by XX/XX/2024. 

I did not receive a response via mail or email regarding the mortgage restructuring at any of the addresses or email addresses I supplied. I called Selene Finance again later in XXXX to get more information. I was told that there is a trial repayment structure in place for XXXX, XXXX and XX/XX/2024. This was also reflected in XXXX on my online account, with a new payment requirement of {$3200.00}. I requested that the documentation regarding the trial repayment be sent to me via email as well as by mail again. 

I have yet to receive anything regarding the mortgage trial restructuring nor the final restructuring plan, via email or mail. I do not know where I stand with Selene Finance, though I did make my first " XXXX XXXX  '' on XX/XX/2024. 

I need information in writing, email and mail. Not sending this documentation at all nor in a timely manner is in violation of Regulation X XXXX Loss mitigation procedures.
Product: Debt collection

Lending Club is still reporting a balance owed when I paid off the balance completely in XXXX 2021. Please see attached as proof. Please update the balance to zero immediately.
Product: Bank account or service

A fraudulent return was attempted at eBay.on an item that had been picked up for local delivery and then subsequently shipped, damaged, and insurance claim allegedly filed and collected. The payment received was taken back at Paypal prior to resolution of the case. I called and asked for the funds back, they explained that they had seller protection, and placed funds back in the account. Then later the funds were taken back away, denying needed use of the funds. No notice was given to me regarding the hold or denial of use of my funds. The case is still open with eBay and may not be resolved in a timely fashion. The fraudulent return is an attempt at a criminal act and Paypal is aiding in that act.
Product: Bank account or service

This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me
Product: Debt collection

I noticed a collection post to my Experian credit file effective XX/XX/XXXX in the debt amount of {$10000.00} from XXXX XXXX XXXX. Claiming to be from creditor XXXX XXXX XXXX XXXX. This account was open fraudulently due to Identity theft. I have never lived at the address on this account. Please review all addresses in my Experian credit file as well as the attached current lease agreement of where I reside now since XX/XX/XXXX. Prior this place of residence I was homeless.I 've never lived at the address reported on this account. Please delete this account immediately. I have found an identity theft report in a police report on this matter please review the attached documents.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, XXXX refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm.

Details of Complaint : 1. Failure to Remove Fraudulent Accounts * XXXX continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$XXXX}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). 
* XXXX XXXX XXXX {$XXXX}, charged off ) XXXX has failed to provide any signed documentation linking this account to me. 
* XXXX XXXX ( {$XXXX}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. 
* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. 
2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, XXXX is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, XXXX has refused to act on this legally sufficient evidence. 
3. Failure to Provide Documentation Proving Account Ownership * Under FCRA 609, I have the right to request documentation that proves these accounts belong to me. XXXX has failed to provide such documentation, meaning they are reporting unverifiable accounts. 
XXXX. Unlawful Reinsertion of Deleted Accounts * XXXX previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
XXXX. Failure to Remove Unauthorized Inquiries * XXXX has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. 
XXXX. Refusal to Accept Valid Documentation * XXXX has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance.

Requested Resolution : 1. Immediate and Permanent Removal of All Fraudulent Accounts.

2. Deletion of All Unauthorized Inquiries.

3. Correction of My Contact Information.

4. Full Compliance with the Fair Credit Reporting Act. 
XXXX. Compensation of {$XXXX} for financial damages, lost opportunities, and emotional distress due to XXXX failure to comply with federal law. 
I demand immediate action from the CFPB to investigate XXXX continued non-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
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 this account 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 account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$410.00}
Product: Debt collection

XX/XX/XXXX I received a email notification from HaIsted Financial Collection with an attempt to collect on a satisfied account for the Home Shopping Network. In dealing directly XXXX and the original creditor directly XXXX XXXX  who issued the HSN card the original account number confirmed by XXXX collection and XXXX XXXXHSN Card ended in XXXX with reference number XXXX by which a settlement agreement to satisfy all outstanding fees to HSN in the amount of {$340.00} which was paid via money order on XX/XX/XXXX. Please see attachment. I do not owe this debt Halsted Financial is attempting to collect upon for XXXX XXXX XXXX who is not the original creditor for HSN. I do not owe this debt and this is a fraudulent attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

Hard inquiries not authorize from Equifax. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A second hard inquiry occur without my authorization from XXXX BANK XXXX XXXX credit report. 

XXXX BANK pulled a second hard inquiry on XX/XX/XXXX. I open a business account on XX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my XXXX. I have contacted several times to XXXX BANK to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.
Product: Vehicle loan or lease

Sent Final payment cashiers check. Overnight to To Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX. 
Odometer statement attached to the check. 

Hyndai motor finance shows processed on XX/XX/XXXX. Then I started to receive voice messages that the odometer statement was not received. I sent it by fax on XX/XX/XXXX. To XXXX. Did not hear anymore from Hyundai Motor Finance. Now my new loan company is demanding a title by XX/XX/XXXX. I have no recourse. No way to get this title. I have sent the odometer statement again. By email and fax today XX/XX/XXXX to XXXX and XXXX. I only get customer service people that can not help by phone. They make me provide information and offer to send me the odometer statement form. Give me the fax number. But have zero ways to help me and are not able to connect me to a representative onshore ( Their words ). I need this title for my new finance company.
Product: Mortgage

Truist Bank has continued to make errors in my mortgage servicing since I refused to open a bank account with them, and this situation is another instance of them trying to punish me for that. They have requested my insurance information and despite providing it to them multiple times, they are saying that they are going to purchase insurance for me at above market cost. I've provided it multiple times and they have even confirmed receipt, yet still continue to email me and say that they haven't processed it after all. I will attach both proof of insurance for last year and this year as well as proof of the company accepting it here.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings that Zelle has not only neglected to protect consumers but has also followed 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 customer safety.
Product: Credit reporting

I applied for a car from XXXX XXXX of XXXX. When they pulled my credit report they informed me that I had an extended fraud alert on my file with NO contact information. So I called Equifax to find out if this was true so that I could continue with my purchase of a car. The representative with Equifax told me that I would have to purchase a credit report in order for them to assist me. I purchased the report for {$10.00}. To my understanding I should not have had to purchase anything to fix my contact information. I am now still waiting for them to add a verification phone number to my report. This is absurd. I should not be denied credit because of Equifax wrongdoing.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

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

On XX/XX/2022 I attempted to investigate information being reported to my TransUnion credit file. TransUnion has blocked my access in retaliation for filing a complaint against them. TransUnion has continuously ignored the Statutes of the FCRA and has caused my irreversible damage and has intentionally acted with malice in the deprivation of my character. I have suffered financial hardship for XXXX plus years because of TransUnion.
Product: Credit reporting or other personal consumer reports

Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer. 

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX