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

I filed a dispute with XXXX about a account being reported by XXXX XXXX/XXXX  XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. XXXX Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from Tenant Tracker stating I needed to contact XXXX XXXX but they are the same company according to the XXXX XXXX XXXX in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between XXXX  and Equifax are different also it is Reported under XXXX XXXX on XXXX but XXXX XXXX  on Equifax and XXXX  this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/XXXX and XXXX XX/XX/XXXX there is no way this collection account is valid as I am in no way tied to this debt.
Product: Credit reporting or other personal consumer reports

I contacted Equifax regarding incorrect address on my credit report. I ask for proof of address and it was never received to me. The address thats incorrect is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I closed my chase checking account due to fraud activity the woman say she close it she opened a replacement account which I didn't want and I told her I didn't want any account with this bank. My payroll came in XXXX account I close which it should have been sent back to the sender I opened a whole another account another that money was going there but before I could give employer the info they let the money go through and charge me a overdraft fee of XXXX out my check with I didn't do and the bank got the money out my account with out permission when they wasn't authorized to do that.
Product: Vehicle loan or lease

I have requested clear title following the pay off of my vehicle 4 times from Mercedes Financial and 3 times told it was on the way. The 4th time the customer service rep indicated he was sending me a link to a letter that indicates the vehicle is paid off and the link was no good. I can not do this with this company. I have further not received indication that my vehicle is being reported as paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Product: Debt collection

I do not know owe Credence Resource Managemet anything. I have never hear of them and I have never done business with them. If I owe XXXX XXXX XXXX then XXXX XXXX XXXX need t contact me. I hsve tld XXXX XXXX XXXX  that I don't owe them anything. I paid my bill to the in XXXX of XXXX  the whole Bill. AFter 5 days XXXX XXXX XXXX tried to charge me for two months of service they I never received. I asked for mangers and supervisors. Two supervisors were supposed to call me back and neer did. I ended my service with them on XX/XX/2022. I paid almost {$1000.00} dollars. You can not charge a customer for service that was never rendered.
Product: Money transfer, virtual currency, or money service

PayPal lists the following policy on its website regarding refunds for items processed by PayPal : <If you dont have a PayPal balance or money waiting to be accepted, the entire refund will be issued from the primary bank account linked to your PayPal account. It usually takes up to 5 business days for bank payments to complete. Even if the refund status says " Completed '' in your PayPal account, it could still take a few days for the bank to process it ( every banks processing times are different ) .> Link : https : //www.paypal.com/us/smarthelp/article/common-questions-about-issuing-refunds-faq3214 However, PayPal does not apply this policy to XXXX transactions and requires the full balance to be present in PayPal. PayPal will not debit a bank account via an echeck in order to process the refund. Instead, PayPal requires a manual transfer of funds from a bank account in order to process a refund. 

PayPal customer service hung up when called about this issue.
Product: Bank account or service

I was charged by Bank of America for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}.
Product: Credit reporting or other personal consumer reports

This is a formal demand to remove the inaccurate information from my credit report. This error is unacceptable, and I will not allow it to remain on my record any longer.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I was a victim of identity theft in XX/XX/2019 ( attached is the police report ). The unknown perpetrator fraudulent took out a Cartier credit card administered by TD bank. TD bank was extremely difficult to work with to get the fraudulent account removed. The Fraud Specialist never returned my calls and I worked with the merchant Cartier to resolve this matter and received a letter from them this was Fraudulent account and it has been removed from my credit report after going through excessive lengths. 

Then, after all this I received collection calls from TD bank even after telling them to stop. I am requesting you to look into their practice. 

Attached is verification of being on the National Do Not Call Registry, Documentation this debt was resolved but still received collection calls, police report, letter to TD Bank ( Cartier ),
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Lexisnexis is reporting invaild and incorrect information on credit report and refuse to provide a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper is refusing to give me a copy of my appraisal.
Product: Vehicle loan or lease

In XXXX my deceased parent had a vehicle financed through GMAC/Allied Bank , upon her death I requested the lender to take possession of their vehicle a XXXX XXXX XXXX XXXX On XX/XX/XXXX I went to the state of IL license department to transfer ownership of a XXXX XXXX from my deceased grandparents and parents name into my name. I was informed that GMAC/Allied Bank had a lien against the title of the XXXX. I contacted GMAC/Allied Bank in order to resolve the lien, I spoke with a representative named XXXXXXXX XXXX XXXX accounts who informed that GMAC/Allied Bank would release the lien if I would fax them a death certificate and wait seven days then telephone back and request a release of lien document. I did as instructed, I faxed the death certificate and waited the 7 days. On XX/XX/XXXX I called and asked XXXX if she could mail me the requested release of lien document, after many minutes on hold she returned to the line and denied my request, stating '' there was no longer a financial responsibility '' My complaint is that GMAC/Allied Bank has conflated the lien to cover the XXXX XXXXXXXX XXXX that they repossessed and the XXXX XXXX. They refuse to acknowledge that the XXXX XXXX is being held under their lien and refuse to recognize my right of free and imcumbered use of my property.
Product: Credit card

Application ID XXXX I applied for an XXXX XXXX XXXX XXXX card on an XXXX XXXX flight via my XXXX XXXX Phone Android Application, as instructed by the flight attendant, as Barclays is marketing heavily with XXXX XXXX to promote this credit card. 

To my surprise, and something that is misleading and makes no sense, the Barclays App asked for a one time passcode to confirm my identity after submitting the application, which was not possible in flight on Americans wifi app, as I can not receive SMS in flight due to airplane mode settings. I understand SMS phone verification is standard on a web credit card application for identity verification, but barclays should be aware that it not feasible in flight and customize this flow accordingly to not punish applicants with high decline rates. 
As a result, I received no update about this SMS failure from Barclays, I contacted Barclays who said my application triggered a fraud review due to failed SMS and required 3 forms of very sensitive document uploads, which i faxed 3 times, and have not heard any update from Barclays. 

My XXXX XXXX has been impacted significantly by this application and I would prefer to be approved for the card as resolution with promised XXXX sign up bonus offer, else at minimum if Barclays can not issue me the card which would upset me, my credit inquiries should be removed due to this application platform poor design at Barclays.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous of times and reporting decrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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

XXXX ; XXXX and Transunion are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Product: Mortgage

I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments. 
We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments. 
It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX and Capital one on XX/XX/XXXX. I have tried multiple times to contact these creditors and XXXX regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I found a late payment on my credit from XX/XX/2022 for my Kohls credit card. My payment was NOT 30 days late. It was accidentally 7 days late and when I realized it, it was paid and account was current. XX/XX/XXXX payment was due and late fee charged, XX/XX/XXXX it was paid and most of late fee returned. They are refusing to remove this from my credit report and this doesn't make sense to me and is very unfair. It clearly says late payments should be XXXX days old, not 7 days.
Product: Credit reporting or other personal consumer reports

I Demand you EXCLUDE the following TRANSACTIONS/EXPERIENCES from XXXX from my consumer report! According to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-consumer report DOES NOT INCLUDE- ( A ) ( i ) Report containing information solely as to TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT, Also According to 15 USC 1681b-Permissible Purpose of Consumer Report DL for proof of identity ( address getting changed asap on DL ) and proof of address is uploaded so there wont be any reason for stall tactics as these items have been submitted on multiple occasions previously via certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, On XX/XX/XXXX, I noticed that Experian is reporting a collections in XX/XX/XXXX, for an account ( XXXX # XXXX ) that was paid and settled in XXXX, XXXX. I informed an Experian employee of this and she agreed that an error was made because she SAW that the account was paid and settled in XXXX, XXXX. The employee stated that it is impossible for it to be in collections months later in XXXX, XXXX. As such, the employee opened a DISPUTE to have it corrected. However, today XX/XX/XXXX the dispute kept the error on my report. Therefore, I am filing this complaint against Experian for continuing to report this erroneous COLLECTIONS in XXXX, XXXX on an account that was PAID AND SETTLED IN XXXX, XXXX. This is highly unethical and it is damaging my credit worthiness. I need this removed expeditiously so that my lender may approve me with the best terms on my account. Also, to add, it is impossible for a paid account in XXXX, XXXX to now be in collections for only one month being XXXX, XXXX. The last payment I made was in XXXX, XXXX. Therefore, if it were truly in Collections in XXXX, XXXX, it would still be in Collection since I made no other payment than in XXXX, XXXX. Also, XXXX never reported anything in the payment history to begin with. In addition, XXXX  and XXXX  both acknowledged that the account was paid and settled in XXXX, XXXX. Experian for an unknown reason is the only XXXX reporting this erroneous Collections in XX/XX/XXXX, months after the paid settlement in XXXX, XXXX. I don't want to speculate, but I hope Experian is not retaliating against me because of other CFPB complaints that I had to file against them. I am including screenshots to show the obvious error that Experian is reporting on my credit file. Please advise.
Product: Credit reporting or other personal consumer reports

I am bringing this dispute to XXXX attention once again because this issue remains unresolved despite multiple previous disputes. My payment status and history CONTINUE to be MISREPORTED, and this ongoing inaccuracy is completely unacceptable. It is clear that Experian has failed to conduct a proper investigation and correct these errors, violating its legal obligations under the FCRA. Upon reviewing my credit report, I found that Experian is still falsely reporting my payment status as XXXX, was past due 30 days, which is completely inaccurate. BOTH XXXX AND XXXX HAVE CORRECTLY REPORTED MY ACCOUNT AS PAID OR PAYING AS AGREED, which reflects the ACTUAL STATUS of my account. However, Experian refuses to align its reporting with the truth, causing direct harm to my credit profile. Not only is the payment status incorrect, but there is also a clear INCONSISTENCY IN MY PAYMENT HISTORY. XXXX has accurately reported it, yet Experian continues to misreport it. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the highest level of accuracy in the information they report. I have already disputed this matter multiple times, and Experians continued failure to correct this error demonstrates a blatant disregard for its obligations under 15 U.S.C. 1681i, which mandates that credit bureaus must conduct a proper investigation and correct inaccuracies. At this point, the repeated failure to fix this issue appears to be a willful violation under 15 U.S.C. 1681n, making Experian liable for damages due to its continued negligence and refusal to comply with federal law. I am demanding that Experian immediately correct my payment status to reflect Paid or Paying as Agreed, just as XXXX and XXXX have already done. There is no justification for this continued misreporting, and I expect this to be corrected immediately without further delay. How much longer do Experian intend to make me go through this unnecessary hassle? I have exercised my rights under the FCRA, yet Experian continues to disregard clear and verified evidence proving this reporting is inaccurate. If Experian fails to properly address this issue, I will escalate this matter further and take additional legal action to enforce my rights. I expect a prompt resolution and written confirmation that this correction has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY.
Product: Debt collection

I received an alert from credit monitoring stating that there was a collection account added to my credit report. 

I logged into my credit report and seen that I had a collection account from a collection company called, " XXXX  Capital System ''. Whom is working on collecting a debt on behalf of the original creditor who in this case is XXXX XXXX .... 

I never opened a XXXX account in 2023 as it states on my credit report and in the documentation. I been a customer of XXXX XXXX for over 3 years consistently. I reached out to XXXX Capital System and requested documentation. 

I disputed the incorrect information that is being reported on my credit report online with XXXX and shortly after disputing it I received results stating VERIFIED AND UPDATED which is not the outcome that I expected basically because the information being reported is not at all related to me. I am guessing that someone opened a XXXX XXXX  account under my social security number.. 

I am taking a huge decline as far as my credit score is concerned because the information is false and is detrimental to me as a person who is trying to purchase a vehicle and basically just getting all my Financials in good order and correct..

I appreciate it if this can be rectified as soon as possible.

The ideal outcome is having this false collection account deleted from my report. 

Thank you XXXX XXXX