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

My credit report for transunion regarding XXXX mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these XXXX XXXX XXXXXXXX XXXX XXXX accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from covid and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about XXXX late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.
Product: Checking or savings account

On XX/XX/2017, at XXXX XXXX, I went to the Wells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX FL, XXXX, NC, XXXX to withdrawal cash in the amount of {$30000.00} from my personal checking and savings accounts. 

I was promptly told by the teller that I would have to sit down with a Banker to discuss taking that kind of money. I explained that I did not need to speak with a banker to withdrawal my funds. She then went to the manager who said they did not have enough cash in their vault and offered to give me {$10000.00} cash and the rest in a cashier 's check, which I would be charged for. 

I explained that this is unacceptable. 1 ) I should not be charged to take money out of my account, 2 ) I should not have to visit multiple banks to take out my cash, 3 ) I should not have to speak with a banker, so he can ask questions why I am taking cash out while he markets products to me. 

The manager said he would call other branches to see if I could visit their branch, and I declined. See # 2 above. The only other option was to take a cashier 's check where funds would be available next day ; however, I believe I should have access to my funds on-demand within reason. I do not think it is unreasonable to take out {$30000.00} cash for my own use without being charged.
Product: Debt or credit management

In XX/XX/XXXX I took out a an interest free furniture loan from XXXX XXXX. It was to be interest free for the first year. I made timely payments. In XX/XX/XXXX a balance still remained. Without a phone call or any proof of mailing at this time they started to charge interest on the original principle amount, not based on the unpaid principal as of XX/XX/XXXX. I feel this practice was not explained to me properly and that XXXX XXXX is predatory in every sense of the word. I was told at the time of purchase that I would only owe interest on the unpaid balance. Numerous phone calls by the hour have not helped to fix this issue.
Product: Debt collection

I continuously receive letters about a debt through a collection agency which is not accurate. Theyre saying I owe XXXX  on a credit card debt when my credit limit was not that high.This information is not accurate as well as this is in violation of my Hippa rights. XXXX XXXXXXXX which is the name of the company have tried to contact for over a year about inaccurate information on this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put the wrong credit bureau it's Equifax Here is the company number for the wrong bureau so you can get the images I attached. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax concerning my credit report on their Myequifax website on the date of XX/XX/2023. 
The responsiblilty of accurate information being reported by Equifax is not being followed and is in clear violation of multiple sections of the FCRA. 

They are reporting XXXX XXXX XXXX  account # XXXX as the only account from XXXX XXXX XXXX. 
I actually have two more accounts that are reporting on XXXX and XXXX that are not reporting on Equifax. I contacted XXXX XXXX XXXXXXXX and they stated that all acounts should be reporting on Equifax. 

The addition accounts not reporting from XXXX XXXX XXXXXXXX are : XXXX and account XXXX. 

If XXXX XXXX XXXXXXXX XXXX XXXX are reporting three accounts to Equifax then three accounts should be on the report and match the remaining two reports from XXXX and XXXX since XXXX XXXX XXXXXXXX reports to all three credit bueraus.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of disputes, particularly in light of the XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reporting lost funds was impossible and that tracking these transactions were unfeasible. The CFPDs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of a collections account due to not having any knowledge of the account and not receiving any response after requesting validation from the collections agency. Both TransUnion and XXXX investigated and removed the collections from my report. Equifax was the only major provider to refuse to remove the collection. It's absolutely clear that Equifax did not properly investigate this dispute as required by the FCRA.
Product: Checking or savings account

pnc allowed XXXX and XXXX law firm to take XXXX from my checking account that i got from short term XXXX and working XXXX weeks at my job after taxes XX/XX/XXXX to XX/XX/XXXX and using XXXX weeks of paid time off XXXX weeks used for XXXX hrs after taxes totaling approx XXXX for entire year XXXX to date
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXX XXXX  XXXX # 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XX/XX/XXXX I am writing to formally dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. 

The specific details of the bankruptcy in question are as follows : Case Number : XXXX Filing Date : XX/XX/XXXX Type of Bankruptcy : Chapter XXXX Court Jurisdiction : US BKPT CT GA XXXX Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. The presence of this information is a violation of federal law, and I expect that XXXX will promptly address and correct this matter. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation and any actions taken to correct the inaccurate information on my credit report within 15 days of receiving this message.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Oliphant USA , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Dear : Oliphant USA LLC , I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I applied for loan in the amount of {$250.00} through affirm company on XX/XX/22. I purchased 3 items from XXXX  online to be delivered to store XXXX XXXX  XXXX XXXX XXXX Illinois XXXX XXXX I was notified by email to pick up items on XX/XX/22 upon arriving to store I was told 2 items were not delivered because XXXX XXXX  delivered 2 items to wrong address. I stated since they failed to deliver I wanted a refund. XXXX submitted refund. I submit all documents to affirm company in a timely manner about the problem with footlocker. On XX/XX/22 they stated I still owe {$250.00} even if I didnt receive items. The virtual card owned by affirm that was used was ending in # XXXX but on the XXXX  receipt the virtual card owned by affirm was ending in # XXXX. Loan ID XXXX
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 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: Student loan

I have student loans with Mohela. My loans have been transferred multiple times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mohela ). Mohela has done an insufficient job at recording the full history of my loans, and providing the loan origination records ( with history of each payment ) in a timely manner. They are only providing records of payments I have made with them and have NOT listed ANY prior payments- this means the amount they are requesting from me is wrong, because the amount of the loan is not properly reflected. I have records from XXXX, and XXXX with proof that I made payments on these loans through XXXX and XXXX. It is my right to have reasonable access to the history of the loans with specific historical records, payments made, etc. They are hindering my experience with the XXXX XXXX XXXX XXXX program because their records are inaccurate and they have not updated my account with correct information. 

It is impossible to connect with them via phone ( upwards of XXXX hours to speak via phone ). My recent try at connecting with them has been via the portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and XXXX shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. XXXX  has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years, Equifax has reported my birth year as XXXX. I have sent them proof of my correct birth year on three separate occasions with the most recent time being in XXXX. Each time I am able to get through to a live person, they state they do not have my information. In XXXX of XXXX, I sent them copies of my Drivers license, Social Security card and Passport. I have previously also sent copies of my birth certificate. It seems that these items get lost in the mail or never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX  ( XXXX ) 13 ) XXXX  ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Product: Mortgage

I applied for forbearance due to Covid-19 Job Loss, the Covid-19 forbearance ended around the XXXX week of XXXX. My company XXXX deceptively applied me for multiple modifications ; when I clearly stated I wanted a FHA standalone partial claim, I qualify for this according to XXXX ( owner occupied, never XXXX days late, I received means of payment, new job, and have never had this partial claim done before. I have been on the phone with them around XXXX times and they keep telling me there is a computer error and to call back. Noone helps me and I am afraid they are taking advantage of me. I would like assistance in putting my loan back into forbearance, and rightfully filing for a partial claim. During this whole process I am getting threatening letters wanting the forbearance amount total paid in full or I could lose everything XXXX XXXX XXXX.
Product: Debt collection

Dear Sir or Madam : PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have reached out to the company several times to validate this debt and provide me with information that will prove that this is my account and they have not responded with the correct information. They keep sending me letters saying that I sent duplicate letters just to stall the process and avoid verifying the account. 

I've attached the letters I have received from them so far as a response.
Product: Debt collection

I briefly attended XXXX XXXX University in XX/XX/XXXX and my tuition was covered by FAFSA grant and XXXX scholarship. For personal/ financial reasons I dropped out and moved back to live with my parents which is when my tuition was sent to collections. I dont understand how I can be expected to pay for tuition when I was going to school with federal grants in the first place. Recently in the beginning of the year of XXXX my collection account was sold to William and Fudge who reached out to me and said I have to make the payment and that theyll give me time to ask my parents to pay and will give me a call back after a week. I never heard back. On XXXX XXXX I sent a letter to XXXX XXXX XXXX stating that I do not claim the ownership of this debt however I would like to pay a lesser amount and settle the debt. It was a pay for delete request. I didnt hear back and it had been a few days. I started stepping away from my desk at work multiple times a day and attempted calling but I never got through to anyone. I also sent a follow up email on XX/XX/XXXX just Incase the first email was missed. It has now been over a month of me trying to settle this debt so it no longer hurts my credit by being on my credit report. I dont know who else Im supposed to contact to get this resolved if the company itself is not responding to me. Im just in my twenties and trying to clean up my credit but the collection amount has gotten me denied with many lenders. Its not that I did not try to work something out, I just received no answer.
Product: Money transfer, virtual currency, or money service

Wire has been sent to the Bank of New York Mellon, but nothing has been credited. I have called the Bank of New York Mellon, and they have indicated an inquiry should be filed with the ordering bank. The ordering bank indicated the upon checking the XXXX number, the funds has been processed via Federal Reserve. I received another phone call today from the Bank of New York Mellon,  XX/XX/2024, shape at XXXXXXXX XXXX XXXX XXXX stating if I continue to contact them, they will sue me for harassment on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a person with extremely high standards of ethics and never engaging in any wrongdoing. All my debts and payments are always on time. Today, i noticed a huge drop in my credit score. Upon further checking, I found that a credit collection agency called Sequium has left a derogatory mark of having not paid {$110.00} for XXXX XXXX XXXX company. I am shocked to see that on my credit report. 
History with XXXX XXXX XXXX : I own a XXXX XXXX XXXX phone and had called XXXX XXXX XXXX to enquire about any newer plan or phone upgrade eligibility. They convinced me to get a brand new phone with {$0.00} down payment and ensured that it will not require a new line. I agreed to find later that they had charged me for the phone and also asked me to get a new line. As soon as I recieved that email, I contacted XXXX XXXX XXXX and said I do not want the phone in that case. The representative on the other line assured me that he has cancelled the order and that I will not be charged since I had not recieved the phone yet. Few days later, i recieve the phone. I call them again and they ask me to send it back saying that it was a mistake. I sent the phone back immediately. A month later I recieve a bill of {$110.00} for the phone i never agreed to buy but recieved, for the phone i never opened, for the phone i never used and for the phone i returned promptly. I called them yet again and they assured me yet again that it was a mistake and that the phone line was cancelled and can not be found in my name at all so i should not liable for that payment. Months later, I receive a letter from collection agency notifying me of the pending payment of {$110.00}. Furious at this, I called XXXX XXXX XXXX again and they maintained their stance that it could have been an accident and that their system does not show that new phone and line in my name and hence i never was liable for any payment. I am attaching the proof from that last call because I had insisted that they send me that in writing because of multiple calls involved. Months later, today, i see a huge drop in my credit score. And I must say, I am HUGELY DISAPPOINTED, SHOCKED and FURIOUS all at once! The fair resolution would be for the SEQUIUM collection agency to drop these charges against me on my credit report. I also demand a written apology from both XXXX XXXX XXXX and SEQUIUM for causing mental trauma by doing this. 

I demand justice and i demand the credit agency dropping this charge against me!!