23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called Equifax because the mortgage lender was not able to pull my credit report. Apparently they input the wrong address so I told the customer service rep I will let them know that was the issue. She said since I have a fraud alert on my account is blocked their information. She then said she can remove the fraud alert so that they can run my credit. I told her no do not remove the fraud alert its there for a reason and I will make sure that theyre running it with the correct address. She kept pushing me to remove it and said I can add it after they do the inquiry. I told her three times or more no do not remove my front alert. She then said well you can add it back on and they have a service that has a theory so I was trying to make me buy a service as well for my fraud alert. I explain to her AGAIN to NOT remove my fraud alert. The mortgage lender corrected the address and was able to run my report. The next morning I checked with my fraud alert and the young lady removed it! I was livid! I have the fraud alert on there because XXXX has been on my credit report since 2021 if not sooner for a collection that was not mine and it was due to identity theft. I am appalled that she removed my fraud after after I told her SEVERAL times to NOT remove it. I understand over 90 % of the cars go out of the country but the word no means the same thing & a clear understanding in all countries. 

Equifax is NOT authorized to remove my fraud alert!
Product: Credit reporting or other personal consumer reports

These are my repeated attempts to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents resulting from this crime. These entries have no connection to any transactions I've initiated or approved for acquiring goods, services, or money. If there's indifference, I request the removal of any information related to alleged fraud or extortion from my credit record. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Checking or savings account

Account has been freezed several times in the past from Wells Fargo thinking fraudulent transactions on the account but was not fraudulent at the time. And a lot of my payments were late and more fees charged to my account with Wells Fargo!!!
Product: Checking or savings account

On XXXX XXXX, I filed a claim with wells fargo ( XXXX ) against XXXX XXXX for ~ {$170.00} because they charged my card for a subscription AFTER I cancelled my free trial. Wells fargo completed their investigation and credited my account. Months later, they reversed the credit and I called again to confirm the information I had provided about my claim the first time and spoke with a lady who said it would all be taken care of and it was their mistake. They never rectified the charge, so my account was closed.
Product: Credit reporting or other personal consumer reports

I had open a self credit building account to help me improve my credit and XXXX morning I received an email alert saying my checking account was overdrawn by {$50.00} XXXX check my account and saw self had taken XXXX payments from my checking account without my permission. I called self and ask to have this account closed. I was told in order for self to close my account I have to pay {$30.00} XXXX paid the {$30.00} and I was told in XXXX the account will be removed from my account. Self policy says you can close your account at anytime so I requested for my account to be closed and removed from my credit report, the agent I spoke said it will take XXXX I said ok. It has been 2 years and they are still reporting on my report that my account has a late payment and paid closed. I have reached out to self several times requesting the account to be removed and was told it will take XXXX. Today is XX/XX/scrub>XXXX XXXX XXXX I called self requesting the deletion of this account and was told that they can not remove the account. The representative was very unprofessional and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Notice for Proof of Claim Account : XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the  collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting issues with then platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Thy informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX  Balance : {XXXX} XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX} XXXX  XXXX XXXX Balance : {XXXX0} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX, Experian, and XXXX. After challenging the validity of the account I received feedback from XXXX, Experian, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I reached out directly to the company that provided me with a letter on XX/XX/2018 stating that the account had in fact been settled. In conversations with XXXX directly theyd closed down their legal department and somehow was still managing to report this information inaccurately to the bureaus. After receiving the letters I once again mailed this letter of settlement that I received directly from XXXX XXXX XXXX to the bureaus and asked to verify the accuracy of the reporting that had been taking place. Experian then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. Both XXXX and XXXX did not update the status at all after receiving these letters. Subsequently even after sending the settlement letter to me directly XXXX XXXX XXXX continued to report my status as negative through XXXX on XXXX as FP and through XXXX on Experian with a remaining negative status on XXXX. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX, 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 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 months that are reported late 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, 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
Product: Debt collection

Retrieval Masters Creditors Bureau , Inc. continues to send debt collection letters despite repeated letters form me which dispute the debt, request verification of the debt, and ask that the debt collector cease attempting to collect the debt until the debt has been verified. 

The debt is for XXXX, from an entity called " XXXX XXXX '' which seems to have billed us in error. We attempted to resolve the dispute with the original creditor but then began receiving letters from the aforementioned debt collector. 

We have written to the debt collector twice, first on XX/XX/XXXX, and then again on XX/XX/XXXX, stating that we dispute the debt, requesting verification of the debt, and asking that the creditor stop sending collection notices until the debt is verified with proof of an agreement to pay the original creditor, a copy of the account statement issued by the original creditor, a breakdown of the total amount due, and the date of and basis for each charge.

Retrieval Masters Creditors Bureau , Inc. has not responded to our letters, and has continued to send collection letters, the most recent dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year>, my Capital One credit card was stolen in XXXX, XXXX. I am XXXX XXXXXXXX abroad and they stole my wallet out of my purse. 
They spent the following charges : - XXXX for merchandise - XXXX on phone/cable - XXXX on phone/cable My bank said it will take 2-3 month to resolve but I don't know why they can't just let the charges not go through as I contacted them immediately and it clearly wasn't my charges.
Product: Debt collection

I started receiving bills sometime in XXXX or XXXX from XXXX XXXX from out of no where. I know I do n't owe them anything because I just paid off my XXXX contract and I had n't gone to see the XXXX in over a year and every time I went in to see them I had to sign a contract for services and pay before they started any sort of treatment on me. I had a XXXX balance on my account. I contacted the office talked to XXXX who was going to look into it for me because she showed a XXXX balance on my account on XXXX and on XXXX. Did n't hear anything back. I still kept receiving bills. I contacted the office left messages for the manager to call me back, never received any calls. I called the XXXX number left messages to send me a detailed explanation of what I was being billed for, date of service, copy of contract I signed on this date of service, and what my insurance paid for. I just kept receiving invoices requesting money and they added on late fees. I sent the company a letter requesting everything I asked for on my voice message and instead was sent to collection. At this point I 'm really upset and I do n't know what to do. I 'm still receiving bills for the late fees from XXXX but they already sent the bill with the late fees included to collection?? Is this even legal?
Product: Checking or savings account

Using XXXX I sent money via Bank of america to a vendor online at the address XXXX, subsequently it turned out that the vendor was a scam. I contacted Bank of america to dispute the transfer and report the fraudulent activity, but was transferred from department to department, places on hold and was told they would call me back. I never received a call back. When I contacted them a second time, they told me that too much time had passed and there was nothing they could do for me. If they had properly addressed the issue we could have stopped the transfer ( {$120.00} ) from my account.
Product: Mortgage

For two years in a row now, my mortgage company has paid my homeowner 's insurance late prompting the insurance company to issue a cancellation notice. The mortgage company then responds with a threat that if no insurance coverage is active, new coverage will be purchased at an astronomical expense to myself. This year, the lateness of the payment has also incurred late charges for which I will not be responsible. The company is based in Alabama and is called ServiSolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent XXXX, XXXX and Experian stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Product: Credit card

I had a Capital One credit card account which was paid off around XXXX 2014. I recently contacted Capital one credit department and they send me a letter stating that my account was paid off in full. Today I received a court summary stating I'am being sued by Capital One for around {$1700.00}
Product: Checking or savings account

I called immediately to let them know of this issue. I was advised that it would be an hour, up to the next business day to resolve. 

Everyday for the next few days after that I was advised that they are working on it, but still ( even after assigning a " case manager '', the issue has not been resolved. 

My account is not only frozen, but also my account now shows negative + {$1000.00}, as they subtracted the entire {$3000.00} amount from my account. 

Just prior to the account freezing, I had to forward money to another outside account, taking my account to {$1.00}. I have bills to pay. 

I was not only able to demonstrate that the person who wrote the check was sitting right next to me ( whom had his own check to himself, to his chase account was frozen for a day ), but also that he was the same person whom has been sending money to my account on a regular basis. I also advised that it was necessary for them to clear this up because this money went directly to bills in both my Chase account and the other account that I regularly forward to.

I have contacted the caseworker assigned to get updates, but have gotten nothing but standard jargon on the number of days Chase is allowed to respond or fix an issue ( to XX/XX/2023 ). A short time ago he reached out advising that it will take even longer ( to XX/XX/2023 ). 

Meanwhile, my bills are still coming in and I am scrambling to get them taken care of due to this issues with my Chase account. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reduced my credit score six times in one month, yet fails to reflect that I paid off {$9000.00} of CC debt over the last month. This is not a level playing field. Additionally they have me listed as XXXX 'Fair ' credit while XXXX XXXX ( historically a tougher measure ) lists me as XXXX 'Good ' Credit. 

If Experian ( or any of the bureau 's ) is going to SUBTRACT from my score multiple times a month then they also must reflect the POSITIVE aspects of my credit worthiness multiple times a month. Curiously ONLY Experian did this. My attempt to contact them to discuss their uneven playing field resulted in stonewalling. the excerpt of that chat is below. 




Please wait while we transfer your chat to the next available agent. 
Virtual Assistant Unfortunately, there are no agents available at the moment XXXX XXXX  Pst.. are you still there if you do not respond in 1:30 seconds your chat will be disconnected. 
XXXX XXXX  Me respond to whom? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me who programs your chat? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you dropped my credit score six times in one month yet FAILED to recignize that I paid off {$9000.00} in CC debt. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me you do not understand anything. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are stupid. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me representative. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me operator XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me manager XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me human XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me agent XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are as stupid as your programmer. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me I concur. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me what do you understand? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me clearly. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal investigation XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal Trade Commission XXXX XXXX  Virtual Assistant Sorry, I didn't understand that.
Product: Student loan

Navient charged {$44000.00} in interest on consolidating public and private student loans of {$77000.00}. This company preyed on young students who were trying their best to pay for an education.
Product: Debt collection

My XXXXXXXX XXXX had got cancelled and send to a collection agency. When I was able to pay it, I paid it off in full. It is still showing a balance on my credit report. It shows paid in full when I log into their website.