23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am sorry to ask for help again, I thought I could just live with it, I ca n't after checking my credit this morning. I attached a few items, the first page of my Equifax for my name reference, the pages XXXX thru XXXX referencing a XXXX account Equifax reported XXXX/XXXX/XXXX. Date of first delinquency XX/XX/XXXX. Lastly, I attached XXXX 's XXXX XXXX report reflecting the same XXXX account reflecting date of last payment XXXX XXXX. Ladies and gentlemen I can assure you no payments were after XX/XX/XXXX due to a job loss. What is more insulting to me and the CFPB is the XXXX response to the CFPB indicating their " actual '' investigation in XX/XX/XXXX was to delete the account. Line XXXX of the CFPB response attached & copy of the XXXX deletion. Equifax , just waits a few days and responds, they do n't actually call anyone. XXXX no longer had the records and could n't tell me either what the exact last date was so I know for a fact Equifax did n't check. The XXXX reporting on Equifax- same thing over 7.5 years since last payment, deleted after XXXX actually did the legwork
Product: Mortgage

I applied for a mortgage refinance with Better.com under a promotion that was on my XXXX XXXX user dashboard upon logging in at XXXX XXXX. It promised a {$2500.00} statement credit to my XXXX XXXX card upon closing and funding a mortgage refinance with Better.com. I successfully closed my refinance with Better.com. Throughout the refinance process Better.com continuously sent me emails reminding me I was an XXXX customer who was applying under the offer. At the end of the process, Better.com asked for my XXXX XXXX card information and assured me my statement credit was on its way. After more than 12 weeks after XXXX XXXX, no statement credit has appeared despite reassurances from Better.com that the credit is on its way. Communication is poor and the companies are deflecting blame back and forth. I met all the terms for the promotion, as confirmed by Better.com. I want the {$2500.00} statement credit I was promised by both Better.com and XXXX XXXX, posted to my XXXX XXXX credit card ending in XXXX.
Product: Credit card

On Wednesday, XX/XX/2024, From XXXX XXXX XXXX XXXX XXXX, {$2900.00}, This is a fraud charge. I lost my credit card during that time, the original credit card is no longer in my position. The charge is not made by me. This is an unauthorized charge. I do not recognized this charge at all. an unauthorized user stole my credit card and use this to place order. the order package delivered to my address, the seller refused to accept my return. I am not responsible for this fardu charge
Product: Credit reporting or other personal consumer reports

I submitted a dispute with the credit bureaus and the inaccurate information on my report was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized Inquiries XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 bureaus
Product: Debt collection

I was enrolled at XXXX XXXX  University in XXXX but I was not eligible for financial aid. I withdrew from the classes before the financial aid deadline because I would not be able to afford to pay the tuition out of pocket. I did not partake in the classes after that date. It is very ironic and stressful that I am being asked to pay for a service that I did not want to use because I could not afford it. I emailed the XXXX XXXX XXXX office directly but I have not received a response. 

I am not sure what happened with my withdrawal form. I remember editing the PDF copy and post dating it for the day of the financial deadline. The computer that I was using at the time was my old XXXX XXXX which since has had the battery explode and I was not able to recover any information from the device. 

One issue I am having with RMS recovery debt collection is that every time they call me I ask questions to understand the situation and the associates that I speak to simply hang up on me mid-sentence. I have been very polite and have never raised my voice or used profanity. I am simply trying to get some sort of clarification or additional information so that I can move forward with resolving this debt.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX 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, U S DEPT OF EDXXXX, Company Inquiries : 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

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, navy fcu, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Checking or savings account

PayPal put the fraud charge to my checking account with them. I submitted the CFPB case before also I did reach out to PayPal multiple times but no one can able to resolve my issue. PayPal called me after my CFPB case and advised to open dispute with my XXXX XXXX. I told them XXXX bank rejected the transaction same time when it was attempted, but PayPal approved and then they placed on my checking account with them. First my XXXX XXXX  did not had enough funds to approve. The second my PayPal account did not had funds to approve this charge. How PayPal was apple to approve this charge? I can provide my XXXX XXXX  account where it show there no funds to approve that transaction. PayPal need to remove that charge from my checking account. They should work with merchant. I did not ordered the item I did not received the item. I will escalate this to the small court and Attorney General office. They add charge to my account with out my authorization. This is discriminatory act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, XXXX, and Transunion. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed an account that was not reporting accurately. I had XXXX account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments to paid i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 sent a letter to Synchrony Bank requesting that my XXXX XXXX account be closed as I am no longer able to make payments. I also requested that the account be closed ; however, my credit report reflects that the account is still open.
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies REMOVE LATE PAYMENT UPDATE AS PAID AS AGREED 15 U.S. Code 1681a - Definitions ; rules of construction
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX 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, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable raises serious concerns about consumer safety.
Product: Checking or savings account

XXXX XXXX had called me and aslo Bank of America about the situation i told then to immediately shut down the bank accounts now im finding out the person made even more bank accounts in my name and tried to cash fraudulent checks in my nane
Product: Debt collection

The National Servie Bureau called and family member and gave them information on my debt when they were not connected to the debt in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is showing a XXXX XXXX credit card that was open in XXXX account number XXXX. It has several late payments and was charged off and closed in XXXX. However, I was XXXX during time thus just making this fraudulent. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Consumer Financial Protection Bureau back in XXXX of this year regarding the incorrect information that was being reported by US Auto Sales. They stated in the last complaint that I never requested a deficiency balance and at that time updated the balance with all 3 bureaus and sent me a letter. My complaint is now of the same nature. Not only were they reporting inaccurate information to my credit file, but I never received a notice of sale for the vehicle, and as they mentioned themselves on the last complaint they never provided me with a deficiency letter until I filed a complaint.. Since I was not provided with a deficiency letter ( until I requested they update the balance ), and I was never provided with a notice of sale for the vehicle, I would like for this to be permanently deleted from my credit file with all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed some inquiries that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I  contacted the company to accept their offer to settle the account and update my credit report. 

On XX/XX/XXXX I sent the following letter to Santander Consumer USA. 

I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report. 

The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX. 

However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX  I received a phone call from XXXX on my phone " XXXX '' from a person claiming to be identified as XXXX that they were a third party trying to serve me with " Legal Documents '' and for me to tell them when I was going to be home to be served. When I asked what it was referring to they would only say that I was a defendant is a civil case and couldn't explain anything more. I asked for the defendants name and number, I was informed that it was the XXXX XXXX XXXX, Phone # XXXX and to reference file number XXXX. I called the phone number provided and upon answering I was informed I was on a recorded line. I provided the file number and was asked to give that last XXXX digits of my social security number, after being placed on hold I was advised that the call was in reference to possible civil action due to a very old debt to the XXXX XXXX XXXX I stated that I was unaware of a possible debt but did say that I might've had business with the XXXX XXXX XXXX in the year XXXX but was unsure. I stated that this appeared to be past the statute of limitations and the person on the call informed me that the debt was from XXXX to which I have no knowledge of and then disconnected the call believing it to be harassment due to the language used. Shortly after hanging up from this conversation my Wife sent me the copy of voicemail that she had just received from XXXX on her cell phone " XXXX '' The message was from the person identified as XXXX and that she was calling for me " XXXX XXXX '' to advise me of a complaint that was registered against me and for me to contactXXXX and to reference file number XXXX and if I didnt it may result in proceedings without my consent and that the call was logged and will be submitted as proof to the " department '' in this matter. The voicemail is attached with this complaint. I have sent a certified letter to the XXXX XXXX XXXX requesting to cease all communications on this matter.
Product: Debt collection

XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"