23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. OnXX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>
I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a drop in my credit score on Experian. After investigation, I found that there was report of a credit card from XXXX XXXX XXXX for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. 
I disputed this with Experian and they reported that the card and charge was verified. How could this be verified if I have never owned a XXXX XXXX XXXX credit card?
Product: Debt collection

I asked the company to stop calling me and send me all information through the mail. I told them I am not responsible and I am not paying this debt. The company still reports this information on my credit month after month.
Product: Debt collection

I have a collection from this agency and another on my credit report, The agency i would be addressing today is AMSHER Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. 2 Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is 1 of the 2 agencies holding me back due to a debt that is in fact not mine ( XXXX XXXX ). I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX years old ), to even sign a contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX  XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Product: Debt collection

this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately
Product: Credit card

I have gotten XXXX credit card denial letters from XXXX different credit cards. It seems that someone has my social and has been trying to apply for credit cards. I am concerned and don't know what to do. please help!
Product: Debt collection

My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.
Product: Mortgage

I have been trying to make two mortgage payments before the 90 day deadline ( which is tomorrow ) their computer is down or will not accept my payment, they have done this before. I will be calling tomorrow when their offices in Florida are open, what shall I do if they will not take my payments?
Product: Mortgage

XXXX - an attorney replied to this with nothing but nonsense. Fraud charges have been filed with the DA of XXXX and the reports have been sent to XXXX XXXX, XXXX XXXX, the NEW law firm that is representing XXXX so why Aldrige Pite is even responding makes that a crime because he doesn't represent anyone. 

The documents with the Superior Court have the NEW law firm, and it's not this dude on the above complaint. 

The attached document has my handwriting from when I received it AND send copies to XXXX and XXXX. 

And all my complaints in the past that sound like Aldrige Pite but were some offshoot, it's because I didn't have documents in front of me and I am correcting those errors now.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding Ally Financial and XXXX XXXX XXXX Bank. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on Ally Financial and XXXX XXXX XXXXXXXX XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I never gave kickoff my permission to open an account in my name I've done a police report and contacted them several times and to discuss this matter with them fraudulently account is serious no resolution has been given this has truly been nightmare I submitted several documents I need a resolution there are 2 accounts open in my name without my permission neither account did I consent to or authorized to open up at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done any type of business with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Product: Debt collection

Since XX/XX/2021 American Credit Acceptance has misrepresented and deceived me and has been collecting a debt of $ XXXX monthly. They continue to communicate with me through mediums such as phone calls and emails attempting to collect this debt even though Ive sent a debt validation letter, cease and desist disputing this debt, affidavit of truth stating I am the original creditor, exhibits, and invoices. I sent this on XX/XX/2021. Theyve since texted me stating payment is due, emailed me, and called. Theyve also admitted they got my cease and desist.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { CHASE } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { CHASE } therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { CHASE } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { CHASE } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Credit card or prepaid card

My Discover Credit Card account ending on XXXX was cancelled in XX/XX/XXXX. However, I never received any notice that it was going to be cancelled. Otherwise, I would have opted to remain open. 

According to The Credit Card Act of 2009 lenders are required to provide customers with 45 days notice of major changes to their account. Given the effect on one 's credit history, especially in this case with an account that was over 10 years old and the financial importance of a good credit XXXX in our society this should indeed be considered a major change to the account. 

This has drastically and negatively impacted my creditscore for two different reasons. ( 1 ) Length of my credit account. The Discover card was first opened in XXXX, and it was one of my oldest accounts. ( 2 ) Reduction in my credit utilization ratio. 

It is very unfortunate that the way I foundout about the cancelation was by checking my credit score. I had no communication warning about the account closure. 

Today, XX/XX/XXXX, I attempted to call Discover to get the account reinstatedbut I was unable to do it. I spoke withcustomer service and supervisors who refused to find a solution to this case. 

My last transaction had been in XXXX, but I would periodically login to the portal and transact on the Discover Savings account which I nowunderstand that it is a different product.

I would love to ask for your help in reconsidering this case as it directly affects my financial situation and credit score.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I took out a pay day loan with blue trust loans, however I did not know the annual interest rate was 637.77 %!!!!! Basically they are taking out {$180.00} weekly which know I have I have paid about {$1600.00} and by the time it is done I will have paid {$6600.00}!!! How is this even legal??? Ive made {$1600.00} in payment and the balance has not budged! I feel I was taken advantage of by Blue Trust loans ( aka hummingbird ) ... I was financially vulnerable at that time in my life and I was desperate for money and was not not notified on the phone about these outrageous interest or finance charges. Needles to say Im very upset and now Im an even worse situation then before!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was originally with XXXX and just last week changed to Shellpoint. I was under the covid forbearance plan with XXXX, I was promised the ability to defer the missed payment amounts until the end of the loan term, up until now that amount is over 100K, this was suppose to be deferred to the end of the loan once my forbearance ended in 18 months. However, now Shellpoint has taken over servicing my loan as of XX/XX/22, and they are claiming I owe the full XXXX and they claim they have received no covid forbearance agreement from XXXX. I believe this is a requirement by law to receieve all the paperwork in servicing transfer. I can not pay XXXX and nor do I want to be penalized and refinance with a higher interest rate. I am asking for them to honor my initial verbal agreement with XXXX that I would have an option to backload the due amount. This is urgent, as Shellpoint is threatening me with late payment fees and credit reporting of late payments, even though I should still be on covid forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I logged into Experian to view and temporarily unfreeze my report for a new CC application which was frozen XXXX due to theft of laptop and jump drive which contained my SSN, TDL, etc ... When I got into their site, I looked under my Alerts to see why my credit score was only reported as " Good '' since I pay 1-2 weeks before due date on all my bills typically. Also, stellar reports for all the years. I called 3x and went through the options for my account but could never reach a live agent. Instead when the recordings were done, it hung up on me! 
1. On XXXX for no reason at ALL ( except maybe to sell their products ), they reduced my score by 15 points!!! 
a. The last time I had a late payment was XX/XX/XXXX due to XXXX Fraud. However, I did not get points for making that payment.

2. Points are deducted if a credit card company decides to decrease my initially approved credit line. How is that fair especially if I am not using that card but did not close it because of points lost when I close an account. 
3. I can not access or find my freeze, it says my account is unlocked and they want me to pay to lock it, nowhere does it say that I have a freeze under any of their tabs : https : //usa.experian.com/member/financialProfile.

4. I also do not get extra points for making extra payments! These guys are selling now instead of tracking & who told them they could have my SSN anyway?

5. I also do not get extra points for paying off my Credit Card Statement balance monthly!

6. Finally, it is none of their business how much $ $ I make so how could they possibly know my DTI! On that basis, their site made an assumption ( based upon CC application data for income? ) and docking me just because I am protecting my privacy from both the
Credit Card Company and the Credit Reporting Agencies! 
Perhaps you should force them to limit their rating basis to the timeliness of payments made like Positive points : XXXX week advance, 2week advance, extra payments, paid off monthly Credit balances from the previous month & on the Negative points : partial payments, 1 month behind ( COVID-19 exceptions ), 2 months behind, 3 months behind, Deed in Lieu of Foreclosure, Foreclosure, Chapter XXXX, and Chapter XXXX. They could also do a weighted average of the above for 1 year, 2 year, 3 year, 4 year, 5 year, 7 year, 10 year, 15 year, 20 year, 25 year, 30 year. These people really need to take Statistics so they  can create valid data without privacy violations!
Product: Credit card

Apple wont close my account. This has gone on for more than a year they said they would send the improper credits to the credit companies about the fraudulent charges but they havent closed the account like Ive asked for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I filed a dispute about the Midland Funding LLC entry. It's reporting that my balance is {$470.00}. It's not true my balance is {$270.00} which is being reporting by another credit reporting agency. I made payment to the original debtor of {$200.00}. Then that debt was sold to XXXX XXXX which is collecting for the {$270.00}. How can I owe a collection agency more money than the debt actually is. 
XXXX said they verified the debt an it's accurate. That is not true. The original debtor is XXXX XXXX. I only owe {$270.00}. 

So both Midland Funding and XXXX are falsely reporting the debt. I have disputed thru XXXX XXXX to no avail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX to reach a resolution. 
After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that XXXX XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that XXXX XXXX sticks to the agreement and requests the deletion of this collection from the three credit bureaus.
Product: Credit reporting or other personal consumer reports

My personal information for sold and bought illegally Im a victim of that Equifax data breach. I would like any and all negative items from the year XXXX throughout the year of XXXX deleted from my credit report. I have attached the PDF files with proof, I am a victim of the Equifax breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

*NOTE : XXXX did send TWO checks due to the breach of my social security number. XXXX is in process. 

XXXX - CMRR USPS XXXX XXXX - Disputes - Never verified any of my disputes based off of the XXXX AND XXXX breach. 

XXXX - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by Transunion . 

XXXX - CMRR USPS # XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by Transunion XXXX 

XXXX - CMRR USPS XXXX XXXX - XXXX did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the XXXX AND XXXX breach.  XXXX knows they did send two checks to me due to their breach. 

XXXX - CMRR USPS XXXX XXXX - Second attempt to XXXX.   Did not fix, verify, or answer these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP MORGAN CHASE DECLINED A HOME EQUITY LOAN BECAUSE, JP MORGAN CHASE INSISTS ON REPORTING DEROGATORY REMARKS ON MY CREDIT REPORT. I SPOKE TO JP MORGAN CHASE When I had COVID XXXX AND INFORMED THEM I MISSED A PAYMENT. I ASKED THAT THEY NOT SHOW ME 30 DAYS LATE DUE TO XXXX XXXX. I WAS TOLD SINCE I HAD COVID AND CALLED IN THAT TGEY WOULD NOT REPORT IT TO THE BUREAUS. THEY INTENTIONALLY REPORTED IT TO INSURE TO DRIVE MY FICO SCORE INTO THE GROUND AND PREVENT A HOME EQUITY LOAN. FICO IS ALSO TO BLAME FOR THIS BY HIDING CREDIT SCORE FROM THE CONSUMER. IF THERE WAS ONLY XXXXNE SCORE THERE WOULD BE NO DECEPTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX. AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.