23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item on my credit report. I had an account with XXXX. It was satisfied and cancelled. Somehow two collection agencies have gotten a hold of my account information and are asking for a payment not owed. One was removed XXXX XXXX. 

XXXX XXXX is still being reported on my credit report. I submitted an online dispute, but the item is still listed on my account. It is lowering my score and making me unable to get credit. This is causing damages and needs to be removed.
Product: Credit reporting or other personal consumer reports

I am formally disputing a collection account that appears on my recent credit report issued by Experian. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I request that you investigate this matter and take appropriate action. 

Disputed Collection Account Details : Creditor : XXXX XXXX  XXXX Account Number : XXXX Amount : {$490.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. Under the FDCPA, Section 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. I demand verifiable proof that this debt belongs to me, including a signed contract or original agreement with my explicit consent. 

If the debt can not be verified with legally sufficient documentation, I request its immediate removal from my credit report in accordance with the FCRAs provisions that require credit bureaus to delete unverifiable information. 

Failure to address this matter adequately will leave me with no choice but to escalate my complaint further with the appropriate regulatory agencies, including the Federal Trade Commission ( FTC ) and my states Attorney Generals office. 

I appreciate your prompt attention to this matter and expect a written response confirming the resolution of my dispute in compliance with the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred money through my bank using Zelle in the amount of {$1000.00} to my daughter. She never received the money. Called Zelle on several occasions they said they sent it. Zelle sent me a Trace No. Contacted XXXX, the intended receiving bank, and they said they never received it. Asked for investigation. My bank sent me verification of money transfer. Had an attorney send them a letter on XX/XX/2021 to Zelle Corporation Headquarters and XXXXXXXX XXXX asking for investigation and transfer or refund of money along with any fees. Zelle 's legal entity Early Warning responded on XX/XX/2021 stating that they confirmed with XXXX that they received the money. Early Warning supplied a number that they delivered the money to. The number they provided is not accurate. It is not the number that was used with my original bank, nor is it the number that XXXX has. Zelle did not transfer the money as requested to the number provided. It is seriously hard and laborious to contact Zelle and or their legal representative. They must return the money to me along with cost.
Product: Mortgage

We were enrolled in automatic payments for the life of the loan. Some of the automatic payments collected were improperly applied to interest only, an, none applied to the principal.
Product: Mortgage

Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Mortgage

I am an elder person with XXXX XXXX XXXX, and i wor very hard to have a sweet home, due to XXXX XXXX i had a very hard situation and my expenses increased and my incomes decreased, so for that reason a was unable to pay several bills, including my mortgage, i spent all my business and personal savings to try to pay my medical and personal bills. 
Now i am back to continue working i am trying to resolve my mortgage payments, i have been trying to get loans to pay the past due amount and i get some pre-approvals which i have sent it to my lender but at the last time they do not qualify me for the loan so i could not make the payment, then when i spent all my resources to pay the full past due amount, i tried to apply for an option with my lender SPS to at least start with my payments and find a solution for the past due amounts, i spoke with XXXX back on XX/XX/XXXX, she told me my application was denied but they have an special XXXX and that i might qualify for it, she made a financial interview and i told her i was able even to pay more than my monthly payment just to resolve that debt, she told me as this is an special XXXX it takes like 7 days for an update. Then i call on XX/XX/XXXX, and spoke with someone from Ombudsman and he told me i was approved with the XXXX and provided me the new terms and sent a copy of the new terms. Then i called on XX/XX/XXXX to accept the terms and continue with my payments on XX/XX/XXXX and a representative told me they are not going to accept to continue with the XXXX as there is a sale date on XX/XX/2023. Eventhough on their terms says they can postpone when there are 34 days before the sale date and in that day there was 39 days. Then they told me that they will not proceed cause i can not afford cause i told them that, they have recorded calls and they can listen the calls cause i NEVER said i can not afford it, and i showed them my Bank Statement where it shows i can do it. Then they told me they can not proceed as the sale date has been postponed twice in the past. But this is not a postponement at the end as i will start with my payments on XX/XX/2023. We submited a request to continue with the XXXX as all the reasons they gave us are not valid, and i called on XX/XX/XXXX to Ombudsman and i spoke with XXXX, he told the request was denied. I requested a Sup to resolve this situation and they just did not want to take my call. 
I give you permission to share my situation with everyone until this gets resolved. It does not make sense they approved me and then they just tell me they can not proceed with something they approved, like, why did you approve me then?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Credit bureaus must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

1. Conflicting Account Statuses ( Charge-Off vs. Pays as Agreed ) The following accounts are incorrectly reported as Charge-Off, despite my records showing they should have been updated accurately : XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$1000.00} XXXX XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$0.00} The XXXX XXXX XXXX  ( Account ending in XXXX ) Reported Balance : {$0.00} XXXX XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$810.00} These accounts appear as Charge-Off while also being reported as Pays as Agreed elsewhere in my report. This inconsistency is misleading and has negatively affected my credit score.

2. Incorrectly Reported Collection Accounts Additionally, the following accounts are reported incorrectly under collections despite prior resolutions : XXXX XXXX XXXX ( Account ending in XXXX ) Incorrectly reported as delinquent despite prior payments. 

XXXX XXXX XXXX ( Account ending in XXXX ) This account should not be listed as charged-off. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Still showing as charge-off despite being settled. 

XXXX XXXX ( Account ending in XXXX ) Should not appear as open or past due. 


These errors need to be corrected as they have significantly impacted my creditworthiness.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unauthorized I did not approve of these.
Product: Credit reporting or other personal consumer reports

Recieved my credit report from Experian and have two accounts that have positive account activity but they are not my accounts. The one is XXXX XXXX XXXX and XXXX XXXX  Both of these positive accounts do not belong to me.
Product: Payday loan, title loan, or personal loan

Called and offered a personal loan. After " verifying the missing information, they asked for my XXXX XXXX XXXX user info.I did not give it to them. 

Voice Mail I responded to : Hey hello daya this is XXXX XXXX calling you from Commonwealth Bank and actually this phone call was regarding about your loan app work. You have been preapproved by my bank to get up to {$5000.00} plus loan. Okay so if you're looking for a loan in the market right now so please call me back as soon as possible. Okay and you can call back me at XXXX. I repeat again XXXX. Thank you. You have a blessed day.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report. As a victim of a data breach, I believe the accounts and inquiries listed below were established or made fraudulently and without my consent. Under the provisions of 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent information. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to be blocked and deleted : 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

I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Debt collection

I have been notified of an alleged outstanding medical debt from three years ago, dated XX/XX/2018. This is impossible, as I had two insurance policies at that time, which covered me at 100 %. The letter has threatened to " report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I dispute the validity of this debt, and I'm sure threatening to ruin my credit for a debt, for which I do not owe, from three years ago, is against my FCRA rights.
Product: Debt collection

A lawyer representing me took my case and requested that I follow up with his instruction for the case had me fill out all paperwork & forms explaining my medical history and medical insurance information and etc he instructed me to follow up with these medical doctors for treatment and they had me fill out medical insurance information and etc later I gotten a letter from my attorney and the medical doctors telling me I owe them and they dont want my medical insurance information to pay they pacifically said they needed me to pay out cash money/ the truth
Product: Credit reporting or other personal consumer reports

Heres a concise dispute statement you can submit to the **Consumer Financial Protection Bureau ( CFPB ) : ** -- - **Subject : ** Failure to Provide Credit Report FCRA Violation Dear CFPB, I am filing a complaint against TransUnion for failing to provide my legally mandated free annual credit report. On [ date ], I requested my credit report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), but I was not granted access. On XX/XX/year>, I called TransUnion directly to resolve the issue, yet my report was still never delivered. I am also unable to file a dispute for inaccurate information. I requested assistance and they have failed to complete this as well.

Under the **Fair Credit Reporting Act ( FCRA ) **, TransUnion is required to provide me with a free credit report upon request once every 12 months. Their failure to do so is a direct violation of this federal law. Due to their noncompliance, I request that all items on my TransUnion credit report be removed immediately, as I have been denied the opportunity to review and dispute any inaccuracies. 

I ask the CFPB to investigate this matter and ensure TransUnion upholds its legal obligations. Please advise on the next steps I should take.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters and how many complaints will it take me to have Experian take action and have the disputed account corrected on my File? Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXXXXXX XXXX XXXX Late Date XX/XX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$420.00} XXXX/XXXX XXXX {$700.00} XXXX/XXXX   XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit card or prepaid card

Dear Sir/ Madam, 1. I had requested XXXX  XXXX XXXX that I want to Balance Transfer from Chase Bank Credit Card to XXXX XXXX XXXX Credit card, On XX/XX/2020. XXXX XXXX XXXX put $ XXXXin my credit card BUT Chase Bank did not took off {$3700.00} from my credit card and was there on XX/XX/2020 and XX/XX/2020. for two days.  This affected my credit score. As I had a balance on both credit cards. I never had a such bad credit in my history. I asked XXXX  XXXX XXXX they said they had paid to chase on XX/XX/2020. Is there any way the Banks upgrade their system, I came from third world country we have much better system same day clearing. We were the best in world but we stand now.???? 
2. Again when you want to transfer from one credit to and other that also effect your credit score. Who is responsible for this. And how I will be able to get my credit score Fixed????