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

Dear CFPB, I desperately need your help. I'm being neglected by XXXX, Transunion, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been sold to a collection agency but original creditor ( XXXX ) still shows up on my report as well as the collection agency handling the account. The reported information shows up on my account as if I have two charge offs when its really only one for the same company.
Product: Debt collection

I owe synchrony bank money from past credit cards and they are attempting to collect a debt by repeated phone calls daily and refuse to give me correct information about my debt and constantly ask me for information regarding my son, phone number etc ... and they are spoofing calls by repeated number changes to attempt to reach me after I've continually and repeatedly have blocked them. Wrote them letters, emails etc ... to cease and disiss. It's constant and daily.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate late payments being reported on my Experian credit file for two separate XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX ( screenshots of accounts attached ). These erroneous late payments are in clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX CXXXXe XXXX and must be immediately corrected or deleted. 

Errors & Violations in Reporting 1. Inaccurate Late Payments - My credit file shows two incorrect late payments on my XXXX XXXX XXXX accounts. The attached screenshot serves as documented proof of these inaccuracies. 
2. Failure to Properly Verify Under FCRA XXXXi- You have verified these accounts without providing any actual proof of the validity of the late payments, which is a direct violation of FCRA 15 U.S.C. XXXX ( a ) ( 1 ) ( A ), requiring a reasonable reinvestigation. 
3. Violation of the Higher Education Act ( HEA ) - Federal student loans have specific deferment and forbearance protections, meaning late payments should not be reported in certain circumstances. If these loans were in forbearance, deferment, or otherwise in good standing during the disputed period, then these lates must be deleted. 

DEMAND FOR IMMEDIATE ACTION Pursuant to my rights under federal law, I demand the following : 1. The immediate removal of the inaccurate late payments from my credit file. 
2. A detailed explanation in writing of how Experian verified these late payments, including the exact method and evidence used. 
3. Compliance within 30 days as required by FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX Loan shouldn't be on my credit report for Transunion. I do not recognize this account. I'm going to file a police report for this account, and I believe that it is identity theft. The loan is called XXXX XXXX XXXX # XXXX and I do not recognize this loan. I'm going to call Transunion again to file a fraud dispute. Can you contact Transunion to let them they that I see a fraudulent account on my credit report?
Product: Money transfer, virtual currency, or money service

Hello Last XX/XX/XXXX, I sent XXXX $ to my brother, to XXXX from XXXX XXXX, VA, USA. My brother wanted to get money yesterday but Bank said this transaction is already expired. he couldn't get money from XXXX XXXX. After than I went to the Walmart, when employee said i should connect your company and finally i will get money back. Please can you figure it out?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

My Identity was stolen by a " ring '' of thieves who shared it amongst themselves and opened XXXX credit card accounts in my name. I already had XXXXXXXX XXXX XXXX  in place but had to call them that someone had opened an account in my name. 
I heard on the radio that claims made by credit cards have to be resolved in 60 days or that they have to drop the claim. This started in XX/XX/XXXX and XXXX says it takes a very long time, although some have been resolved. 
Since it has been over 270 days should my credit be cleared by now??? 
Also we were waiting for 2 years of tax returns from the IRS who said it was because of being understaffing during XXXX. Then, just when they said I was going to get it, my wife reported this ID theft and they put the brakes on me getting my return. They say that XXXX has to give the " all clear '' or some kind of XXXX for them to release it. Never mind I got my XXXX return just fine. Since I am a truck driver with a real ID Commercial Driver 's License, can the IRS be ordered to release my funds with my XXXX and an expired passport? I don't understand how I am guilty until I prove my innocence with these credit card banks that handed out cards in my name like candy w/o doing their homework.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Wells Fargo immediately update my credit report and only report a correct, accurate, and true balance statement at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written XXXX  and Experian about the following collection accounts in XX/XX/2020 ( XXXX {$2500.00} and XXXX XXXX {$1200.00} ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. These accounts should be DELETED from my credit reports immediately! It is the sole responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. How can these accounts be placed on credit report without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I filed two disputes with Equifax. Equifax failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.
Product: Debt collection

I received and email from a debt collector addressed to a name that is not mine. They have placed that debt on my credit report.
Product: Credit reporting or other personal consumer reports

This is a follow up on a previous complaint of which the same Problem still exists and XXXX misinterpreted the complaint and did not amswer ot properly or correct the problem. 

Below is an email i received from Experian that says XXXX has issues Communicating my information to Experian and everyone I speak to at XXXX ( most recent communication today ) doesnt know what I am talking about. 

Here is the email from Experian : As a member of Experian XXXX XXXX, one of the benefits is three-bureau credit monitoring. Unfortunately, we were not able to establish credit monitoring with one or more credit bureaus, which means you have not been receiving alerts from this bureau when key changes were made to your credit report, if any : XXXX : ( XXXX ) XXXX You do still have access to your other Experian membership benefits. To see all of the benefits available to you, please sign in here. 
If you have any questions, please contact us at ( XXXX ) XXXX ( XXXX from XXXX a.m. to XXXX p.m. and Saturday-Sunday from XXXX a.m. to XXXX p.m., XXXX ). 
Sincerely, Your Experian Team I also received this notice from Experian in their App : Sorry, we can't show you today 's 3-bureau report. 
This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : Equifax, XXXX, XXXX XXXX, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : ATTORNEY GENERAL-CHI Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

SPS Select Portfolio Servicing inc is now the servicer of my first and second mortgage thats was transferred from XXXX effective XX/XX/year>. They continuously call and attempt to collect payment for my 2nd mortgage prior to the due date. The due date is the XXXX of the month with a 15 day grace period. They have it set up as due the XXXX of the month. The bills they send reflect the incorrect due date and they have rejected my attempts to set up an ACH because it would be outside of the incorrect due date they set up. They repeatedly call as if they are not aware of the problem in an effort to 1. Collect Money not yet owed and 2. To set up an ACH in line with an incorrect due date. Even though notes on my account are extensive and a research request is in place they continue to harass me with phone calls.
Product: Credit reporting or other personal consumer reports

Consumer law 15 USC 1681.

I demand this item to be removed from my credit report. Due to the incorrect information and inaccurate information that shouldnt be allowed. I cant get a new car due to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on Experian credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to get the fraud alert removed on my credit file by calling or sending a letter. The fraud alert is causing issues for me and it has the incorrect phone number listed on the fraud alert.
Product: Debt collection

15 USC 1681e ( b ) According to the IRS canceled debt ( Charge Off ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. These are the accounts and please stop letting them get away with updating these accounts ... 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  ... Please delete these accounts Off my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX  XXXX XXXX and was never able to use the degree because the school was not considered an accredited institution for the government jobs I applied for. In XXXX, I enrolled in another institution-XXXX XXXX to further my education and obtain a XXXX degree but during my last term was told that my financial aid was exhausted, so I never received my degree and I now have over $ XXXX in student loan debt and continue to be denied for any housing loans and jobs that require a degree.
Product: Debt collection

OnXX/XX/XXXX I sent a certified letter to Credit Service Company , Inc. ( delivered on XX/XX/XXXX ) requesting that they validate a debt they are reporting to the three credit bureaus under my name. I received a letter back from the company datedXX/XX/XXXX stating they completed their investigation and determined the information in their records was correct and they have continued collection efforts. They attached a copy of a medical bill with all of my personal information on it including full name, address, phone number. The letter also included the service date, procedure codes, description, charges, balance, Physician name and the diagnosis codes. This is a HIPPA violation and they should not be in possession of any of this information.

I sent them a reply by certified mail on XX/XX/XXXX( delivered on XX/XX/XXXX @  XXXX ) letting them know that they had violated my rights under the HIPPA law and requested that they delete the information they had provided to any and all credit bureaus, destroy any information about any alleged account and not proceed to sell, assign, transfer or trade the alleged account to any other entity to attempt to collect the debt. I received a second letter from Credit Service Company , Inc dated XX/XX/XXXX stating the exact same thing as listed above with the same bill attached. They are clearly not taking my complaint seriously. I will continue to pursue this issue and will file complaints with the XXXX if necessary. The account they are reporting to the three agencies needs to be removed immediately as requested in my letters directly to them.
Product: Mortgage

I am filing a complaint against Ocwen Loan Sevicing. LLC.I am in the process of filing a " Deed in Lieu '' on the property, XXXX XXXX XXXX XXXX XXXX, WA XXXX.Ocwen is stalling on this process. They do not have title to the property so they ca n't release the property as a short sale or a deed in lieu. Lien title holder is XXXX XXXX. XXXX is under fraud investigation.Ocwen sold the XXXX lien to XXXX XXXX. They are selling something they do n't own. Ocwen has defrauded me of all payments made. Ocwen is not entitled to receive payments as they are not on record.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Mortgage

Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax proof of a document with a dispute. Equifax is reporting I have 3 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623, Equifax is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the Federal Student Loans.Gov, which is over all the student loans.I know for a fact because I just did another one recently. Equifax is reporting 3 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Equifax has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) Section 605B allows individuals to block information in their credit reports that results from identity theft. If you believe you have been a victim of identity theft, you can request the credit reporting agencies to remove fraudulent accounts or incorrect information from your credit report under this provision. This helps ensure your credit history reflects accurate information.
Product: Checking or savings account

I got an checking account with J.P. Morgan Chase, they charged me {$35.00} of overdraft fees for each transaction after the account is 24 hour without funds. 
However, they Know the account Will have funds within the 3 business days because a Deposits to the account, are pending, those deposit been ACH and or direct Deposit from my job. Those deposit should be reflected even a week before is going to be deposit. 

That institution, they know that but they keep me debit the {$34.00} in fees for each transaction. 

The Past XXXX I got charge 4 times for {$34.00} in fees, when I got an ach deposits & the funds where available at the XXXX. 

The Institution Knows that the Deposit was MADE! & the funds will be in the account. 
Why they still keeping collecting those fees? 

That is abusive and they're doing that every single month with my ach deposits. 

I hope these situation could have a better solution. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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  : {$0.00} XXXX XXXX XXXX XXXX  : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns Zelle handling of a disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost money is impossible and that tracking was unfeasible. The CFPB findings indicates that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.