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

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown or unauthorize hard inquiry in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with this company. I have contacted XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact Experian as well, just to make sure the issue would be resolved immediately.
Product: Mortgage

My loan was transferred from XXXX to SunTrust Mortgage ( now Truist ) effective XX/XX/XXXX. My loan has escrow for taxes and insurance as confirmed on my closing disclosure as well as my escorw analysis received from XXXX on XX/XX/XXXX. However, SunTrust failed to pay my Summer Taxes due and payable in XXXX and it appears they have no plans to pay my winter taxes either due and payable by mid XXXX. It appears they have a loan boarding issue as you can see from the screenshots as the system shows my next Summer tax is due in XX/XX/XXXX ( its past due for XX/XX/XXXX ) and my next winter tax is due in XX/XX/XXXX by it indicates ( mock ) and amount due as XXXX ( taxes are over XXXX ). Now there are outstanding fees and penalties for the late taxes from XX/XX/XXXX. As indicated in XXXX ( k ) of XXXX XXXX, the servicer is responsible to pay escrow items on time to avoid a penalty as long as I am current. I've been current the whole time and they did not pay my taxes ( XXXX failed to pay my insurance timely in XX/XX/XXXX and I let that slide ). As a regulatory myself, I can't help but think how many other consumers are also affected by this error and have no idea how to make sure this gets corrected without fee 's being assessed to them. I am sure XXXX and Suntrust will point fingers at each other meanwhile the consumer who does what they are supposed to is harmed.
Product: Credit reporting or other personal consumer reports

I checked my consumer reported and notice several inaccurate and fraudulent addresses on my consumer report. They must be removed according to the Fair Credit Reporting Act. The consumer reporting agency did not follow reasonable procedures to assure maximum possible accuracy of said information. ADDRESSES ARE OUT DATED AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I complained that Factual Data did not have my permission to access my credit per previous Complaint # XXXX. Factual Data replied back they have disputed the inquiries with their client. If Factual Data made the inquiry, why do they have to dispute with their client????? Factual Data is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does XXXX allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does XXXX give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?
Product: Credit card

Sams Credit Card : I have been a customer for Sams for more than 10 years as sams member and credit card holder- I have recently opened a consumer credit account Sams Mastercard XXXX for the last 3 1/2 years I have been paying my bills on time - However during the last three months I noticed an unusual active - During the previous years the credit card payment were managed by GE Financial and now is managed by Synchrony Bank - Once Synchrony bank took over I started to have problems with my credits and also the posting date of my payments. 

The problems started during the XX/XX/XXXX-XX/XX/XXXX statements - I always had a minimum payment automatic withdraw from our account - However, XX/XX/XXXX I realized I was going to have to make a payment under another because of lack of funds - So I switched the payment to my wife 's bank - I called the Synchrony Bank to make the and switch the account for this one-time payment over the phone - representative took my payment, However, they never process the payment causing my account to go as past due - Not only they did not process the payment but also did n't cancel the electronic payment causing my bank account to go into overdraft status. 

I realized that I could not make the payment for the following month - However, I quickly called Synchrony Bank I paid the past due amount and the following month only to find out the Synchrony Bank had " Lower my credit limit and raised my payment over the next month. Now even though I made my payments and kept with the account current they have close my account and immediately reported this to the credit agencies. I do n't believe this is fair not the issue to immediately reporting this to the credit agencies -
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX  XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 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 or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), XXXX, XXXX, and TransUnion. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX  unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

A couple years back I attempted to deal with the Fed Loans for the PSLF- I was never able to " gain back '' the XXXX payments that I thought had qualified, but apparently had not. It was especially frustrating as I made financial decisions based on the information the loan companies gave me at that time. 

In XX/XX/XXXX, I had thought I had made XXXX payments, and had documentation. See attachments. My current situation- online, it looks as though I have XXXX payments completed towards PLFP ( XX/XX/XXXX ). I have documentation stating I had made XXXX payments in XX/XX/XXXX from Fedloan ( see attached ). 

I did make a phone call- and was told I made XXXX qualifying total payments and they had last years form, but not one from XX/XX/XXXX, and they had no ducumention of the XXXX payments. 

I am preparing to send a form in now. I am not contacting Fed load through their email on their site, other than to request a case number and contact through my work email, as it does not keep a record I can access- which they keep suggesting. This is important, as when I first transferred my load to them, they agreed to the higher number of payments from XXXX, was enrolled in the correct program, AND that I was on track to complete by XX/XX/XXXX. 

Overall, I have record of XXXX payments by XXXX, made in good faith in the PLSF program. Fedloan says I currently have XXXX. The current system is biased to keep loan holders in the cycle of payments, places loan holders automatically into payment plans that do not qualify and does not highlight this- example, standard payments do not qualify but directions for PLSF indicate standard is one of the options ( you need to call and ask for 10 year standard, not an option on the website and not indicating that is does not count ). 

My former complaint was dismissed, and fed loan suggested I contact XXXX. I contacted XXXX, and their statement was that when Fedload accepted the loan, they accepted the payments made through PLSF, and have no further records of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.
Product: Credit card

This bank is horrible and does not want to help me what so ever they need to be shut down.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 reporting or other personal consumer reports

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX in XX/XX/XXXX. 
I am unaware of ever having a XXXX from this XXXX XXXX  XXXX XXXX. 
Please validate this information with XXXX  XXXX XXXX XXXX and provide me with copies of any documentation associated with this " XXXX '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platteform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was imposible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of countability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TD AUTO FINANCE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below included in the attached documents has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account has incorrect information and the account is no longer open. This account is incorrectly reported on my credit report and is about to age off. This account needs to be deleted from my credit report.
Product: Credit card

Hello can someone at CFPB help with my dispute for Wells Fargo I opened a dispute provided all the information requested and Wells Fargo closed my dispute without refunded me When i talk to Wells Fargo they do not respond or tell me i didnt provide the information. 

And when i say they i did and i can email it to you again- they make up something else and its a never ending circle to keep my money
Product: Checking or savings account

Since XX/XX/23 I have been trying to get access to my savings account. I have provided them with my ID to verify my account.. even time I call I'm being told to wait XXXX business days. This situation has caused a lot of emotions stress and also finicial burden because I can't access my money. Every week when I get paid XXXX XXXX  is automatically taken out and put into my savings account for bills, food, and gas I have not been able to pay my rent or bills because I can't get access to my savings. I've been having to bother other people to let me borrow money just to get by. This is very unprofessional for a bank not to give me information on my account.. I " am very XXXX  furious due to this situation..I have made more then XXXX calls to get this situation resolved I spoke with supervisor XXXX, XXXX XXXX XXXX XXXX I'm being told the same story over and over eveytime I call. I feel like my money is being held XXXX I also feel like I should be compasated for this I'm wasting time and accumulated late fees because of this matter
Product: Debt collection

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after 45 days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continue to violate my rights and the Federal Law.