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

Hi I been trying to lift my security freeze since XX/XX/XXXX and the representatives at the call center haven't been helpful at all. They tell me I havent passed any security questions and that the ID was all black when I sent it via fax which is a Lie. my fax shows me what they sent. They also wont help me with doing it online or over phone. This is affecting my ability to get credit The supervisor I spoke with is XXXX Operator ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 3 months I have been sending letters to Experian to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following accounts : XXXX XXXX XXXX : reinstated on my credit report with out a written 5 day notice XXXX XXXX : reinstated on my credit report without a written 5 day notice XXXX  : reinstated on my credit report without a written 5 day notice XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want experian to correct the violation so no other action will be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX is reporting that my account is closed. This information is false because my credit card account is still open, but they are reporting to the credit bureaus that the account is closed. It is negatively reflecting on my credit. This is the second complaint about this company I am reporting. Both times they have falsely reported information about my account to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the accuracy of information on my credit report, specifically regarding the reporting accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and deletion. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly assist me to REMOVE the following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed XXXX XXXXXXXX XXXX XXXX : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Student loan

Current Aidvantage account amount {$3800.00} has increased while apart of the Income Driven Program without notice.I am not liable for this account.I do not have a contract stating the the current incident.I am a Victim of Identity theft. 

By the provision of the Fair Credit Reporting Act, I demand that that these items be investigated and removed from my report.
Product: Money transfer, virtual currency, or money service

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

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

MOHELA put my account on some administrative forbearance without my authorization, consent or request. They did this on their own. I just checked studentaid.gov, and it says that this forbearance is delaying my PSLF progress. I have tried calling MOHELA numerous times, but they are not open when I am home. When I try calling during the work day, I am put on an hour hold. There is no viable option to contact anyone at MOHELA to correct their error. I would like my monthly progress towards PSLF restored, and my payment count updated immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I have no association with the creditors listed, and those inquiries were not made by me.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 and 60 days late. I have read enough to understand my rights. The Bureaus are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit card

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

LVNV Funding LLC {$2400.00}
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX XXXX in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called XXXX XXXX XXXX they referred me to XXXX and XXXX, as they had purchased the debt. 

I then called XXXX and XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a XXXX XXXX trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX and XXXX, regarding the XXXX XXXX XXXX debt I agreed to pay the day before. 

I then proceeded to call XXXX and XXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXX and XXXX, I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XXXX and XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very XXXX and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XX/XX/XXXX to XX/XX/XXXX and was n't disclosed until XX/XX/XXXX. Additional analysis has since indicated that Equifax was breached even before XX/XX/XXXX and was n't disclosed. Equifax was negligent in updating open source software.
Equifax has made poor attempts to help consumers. Calling leads to busy signals or long holds. The complimentary service offered ca n't handle the traffic and is very slow and frequently out of service. 

In a previous complaint Equifax sent a " canned '' response ( noted below ) which directs users to call centers and websites which are frequently overwhelmed and understaffed. 

Thank you for contacting Equifax. We remain focused on consumer protection and committed to providing outstanding service and support. Protecting the security of the information in our possession is a responsibility we take very seriously and we apologize for the concern and frustration this cybersecurity incident causes. We have developed a comprehensive portfolio of services to support all U.S. consumers. Please refer to our dedicated website, https : //www.equifaxsecurity2017.com, for the latest information and updates or contact our dedicated call center at XXXX. The call center was set up to assist consumers and is open every day ( including weekends ) from XXXX XXXX XXXX XXXX Eastern time. 

If the same response is provided again, we can gather that Equifax is n't even reading complaints and further action should be taken against them.
Product: Student loan

I have made monthly payments on time since the required payments started again in XX/XX/2023. I have been making each payment on time and have never missed any payment. However EdFinancial is sending the entire monthly payment for the month of XXXX to interest and nothing to principal. This is incorrect and hurts the student loan payment because the entire payment is going to interest and not paying down the loan. This is an unfair and unlawful practice to a student loan borrower. If the monthly payments are all going to interest and then accrued interest is also being applied, the loan balance is constantly increasing and never decreasing. This is illegal.
Product: Mortgage

Wells Fargo Said no problems. CASE CLOSED! Starting short sale and or foreclosure. XXXX  couple weeks back no money no home to heal from XXXX the XXXX been out of work almost well 1 1/2 years my XXXX XXXX XXXX from XXXX. WE WERE NEVER LATEWELL THE ISSUE OF BEING. WELLS FARGO FORCLOSED AND OR SHORT SALE.THANK YOU I CANT WAIT TO PACK UP OUR FIRST HOME EVER, AND CANT WAIT TO HEAL OR DIE TRYING NOT to ON THE STREETS OR CAR SOON, THANK YOU AGAIN.WONDERFUL JOB GREAT COMPANY.NOW WHERE WILL MY DISABLITIE CHECKS GO?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The financial firm ability XXXX XXXX is a debt collector who have been handling my debt from XXXX XXXX XXXX, for XXXX $ and the person I am speaking to resolve my payment, has been aggressive, disrespectful and refuse to offer me account settlement documentation. The school has Been not helpful and there should be an action taken on the financial service provider
Product: Credit reporting or other personal consumer reports

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid XXXX XXXX through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Product: Credit card or prepaid card

I would like my Discover account to send proof that I am liable for the debt since I have sent numerous letters to them demanding I own the debt, but have received 0 response for 2 years.
Product: Checking or savings account

Cash app refuse too open me account base on term violation ( but refuse to state the violation ) and my XXXX which is mrdd cash app has taken money from me from previous account I had in the past however I forgot that account information so when I tried to open a new account they refuse to open me an account base on terms violation but they refuse to tell me what the violation is. I also appeal this process and believe I'm been denied an account due to my XXXX. And cash has taken money from me on previous accounts that I was never able to use. Cash gave my whole family account but is denied me without a clear reason why
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/ 2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XXXX 2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX and or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave TransUnion written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By TransUnion reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to TransUnion have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX HOSPITAL with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fail to properly investigate/verify and validate in the 30 days time frame