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

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX showing I have a XXXX 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Product: Credit reporting or other personal consumer reports

remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

It appears that 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 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 remove these items. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXXXXXX XXXX XXXX Account : XXXX Credit Account : XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a auto loan issued by Sovereign Bank and they sold it to Santander. Now Santander is reporting the account illegally reporting 90+ day lates month after month since the charge off date and have it listed as a 240 month loan. This was a car loan and car loans are n't 240 months just further confirming that they do n't even have the correct information to report this. I have tried multiple times disputing through the bureaus to no avail and have been ignored in demanding that these companies provide all the documentation showing they have it and are reporting correctly. Please help I tried to go through the proper channels and have been brushed aside.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.
Product: Debt collection

" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and EXPERIAN have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle 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 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. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting

I am trying to/ get a credit report. For my identity thief to give to the police report and district attorney 's office. I have been out of the county from XXXX XXXX until XXXX XXXX. I have given this company everything I had. I still ca n't get a report. Thank you
Product: Student loan

I need some serious help. I have worked in non-profits and government for 15 years. I submitted my application for PSFL in XX/XX/XXXX via USPS. Mohela lost the first page of my paperwork- the page with my signature, and demographics. I called them in XXXX to see the status of my application to be told that the paperwork was not there- but I could submit my signature electronically. I did. I signed the first page and uploaded it to the website. Radio Silence from Mohela again- I call in XXXX to be told we don't except that type of electronic signature ( even though they told me to sign it electronically ). I then resubmitted my signed paperwork via email by tagging a supervisor directly in my email subject on XX/XX/XXXX at XXXX XXXX They lost that paperwork too. I am waiting to speak to a supervisor but the entry-level guy told me I was never instructed to email paperwork. Then how did I get the supervisor 's employee id? 
This has been XXXX trying to get my paperwork processed by Mohela. I submitted my paperwork in XX/XX/XXXX and it is now XX/XX/XXXX and they are still giving me the run around. Please help me!!
Product: Credit card or prepaid card

On XX/XX/2019 I purchased an airline ticket for XX/XX/XXXX via XXXX and used my XXXX credit card to do so. On the same day XXXX issued a ticket for XX/XX/XXXX. I immediately called them, told them they issued a ticket for the wrong day, and was rebuffed and told I was only entitled to a partial refund. That same day I filed a dispute with XXXX. 

Today, XX/XX/XXXX, XXXX told me that : - They would not dispute this for me because I have not cancelled the ticket that was issued for the wrong day. They also acknowledged that cancelling the ticket and accepting a partial refund would be tacitly accepting I was at fault, not the merchant and they would not help me in that case either. 
- Because the merchant claims it was purchased for the XXXX ( despite it being _immediately_ contested and disputed ) XXXX will XXXX with the merchant and not dispute the purchase. The only " counter '' to this is if I happen to have a screen recording of my purchase. This is an unrealistic, unmeetable standard of proof intentionally created such that no one could meet it. 

XXXX has, in essence, stated two separate ways that it it is impossible to dispute a purchase that was made but never delivered and left me with no avenue for resolution or assistance. They're skirting their responsibilities as a bank and card issuer and I'd appreciate any assistance you can lend to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed by credit report its some fraudulent accounts appearing on my credit report that are incorrect and inconsistent. I will put the accounts below. 
XXXX XXXX : Act # XXXXXXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX : Act # XXXX XXXX  : Act # XXXX XXXX XXXX XXXX : Act # XXXX
Product: Debt collection

I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.
Product: Debt collection

I was contacted by greenberg grant and rich about a debt that had nothing to do with me personally. It was associated to a failed business that me and my partner attempted and now they are making false inquiries on my credit and calling me repeatedly after I told them not to. I told them I will contact cfpb and they said that theyre not governed by cfpb.
Product: Student loan

Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.
Product: Credit reporting or other personal consumer reports

I sent out dispute letters to each Bureau XXXX, Equifax, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, Equifax, XXXX and also The FTC report regarding the unauthorized inquires.
Product: Credit reporting or other personal consumer reports

Letters of dispute to all 3 credit bureaus Experian, XXXX, & XXXX regarding disputes of reporting incorrect/ inaccurate information on said collection accounts ( see below ). Letters were mailed on XX/XX/XXXX ( first Attempt ). Section 609 Letter was mailed to All three Credit reporting Bureaus on XX/XX/XXXX ( 2nd Attempt ). After no response/ no resolve ( 3rd Attempt ) mailed letter on XX/XX/XXXX and File FTC Complaint. 

Accounts : XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX credit- XXXX : XXXX- XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX- XXXX
Product: Checking or savings account

I have filed a couple of Claims with Wells Fargo. 

XXXX {$63.00} XXXX {$55.00} XXXX {$200.00} XXXX {$44.00} 2 of these claims I believe were from XXXX. XXXX order didn't show, the other was missing items and had spoiled food. 

the XXXX, I requested a refund from the online store as they stated they couldn't customize the tint after there was a customization box. I sent over 20 emails, they stopped responding 11 days ago. They only sent me 2 responses. 

The last one was XXXX, I got expired XXXX. 

Both XXXX XXXX XXXX told me to dispute it with my finanicial institution. 
The XXXX i'm getting no assistance from them or wells fargo. 

Wells Fargo closed my claims without asking for any information besides when I filed them. 

I filed a XXXX  complaint, they called me yesterday stating that they would take about a week to go over the information. They called me today saying that there was no resolution and the decision was final. I have mental health issues and I have a problem with arguing/disagreements. I feel discriminated against for that reason and that the fact that they didn't do any work on my claims at all. 

I just recently filed bankruptcy and I had over XXXX cards, I went down to my bank debit card from all those cards so it would make sense why I have an influx of claims. 

Please assist me. 


Also, I recently also had a couple claims closed before that, I want my recent claims to be reevaluated. I've been with Wells Fargo for many years and I don't appreciate the disrespect and lack of empathy, customer service given.
Product: Payday loan, title loan, personal loan, or advance loan

my domestic partner and i got XXXX he was XXXX i was XXXX  around XXXX, i was accessed a late fee, ive never been late with them ever, always paid within grace period, the wavier was granted BUT, they sent CASH to my checking account via XXXX, for said wavier instead of applying it to my account which made us 20 days late according to their website, it also made it impossible to split my payment into installments of bi monthly payments which is how i have been basically paying off this loan from upstart.com then after going back and forth with the creditor/lender they basically said this conversation is over we will not respond to you any further. i asked them NUMEROUS times why would you send ME money of XXXX $ for accessed late fee, their lie was that i PAID the XXXX $ and they reimbursed me which was a lie, i paid on XX/XX/XXXX the XXXX $ BACK to upstart. they are CLAIMING that i paid before they sent it, which was false. i paid on XX/XX/XXXX because that was when i noticed i had money sitting in my XXXX XXXX XXXXXXXX checking ending in XXXX from upstart. they're making it harder for me to pay split payments and currently it appears as i no longer may have a grace period. its frustrating and i feel as if it is predatory.
Product: Credit reporting or other personal consumer reports

Last year XX/XX/2023 I contacted you to dispute several debt collection accounts that still appear on my credit report. Pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. Several accounts appear to be reaged and appear more than once of my credit profile. These accounts should not be furnished as they are in violation of my consumer rights. According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. Also, I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my credit profile. Under 15 USC 1681 b : Permissable Purpose of consumer reports ( a ) in General subject to subsection ( c ) any cunsumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. NO WRITTEN CONSENT is equivalent to IDENTITY THEFT. Therefore, I request that you investigate and remove these accounts from my credit report within 30 days in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. Thank you for your attention to this matter
Product: Credit card

Company scammed customer. Bought tickets from a company and was allowed entry with 1 hour left because it was oversold. Stage was not built like the advertisement so it was false advertising. Because they failed inspection it was late too. Also because they denied entry people broke the barriers and ran through the barriers causing a safety hazard. 
These are everything XXXX had but still happened : XXXX XXXX had all the necessary equipment, materials, supplies, suppliers, vendors, labor and personnel to handle all the maintenance, construction, and build out for XXXX XXXX design and infrastructure like the stages, seating, bathrooms, and concessions, XXXX XXXX would pass all inspections and tests done by the City and other agencies or regulators ; XXXX XXXX would receive all the necessary permits and approvals by government agencies and other authorities to take place as scheduled ; XXXX XXXX would not be oversold or exceed capacity ; XXXX XXXX capacity and crown control would not violate, and comply at all times with, XXXX XXXX  XXXX fire codes and other capacity and safety rules and regulations applicable to XXXX XXXX concerts or festivals ; that everyone with a valid ticket would be able to attend and/or access XXXX XXXX XXXX and XXXX had oversold their shows. '' Also added a bunch of links to showcase what went wrong XXXX XXXX XXXX https : XXXX https : XXXXXXXX and https : XXXX https : XXXX https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX  XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor
Product: Debt collection

XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. As soon as i saw it i called and paid off the debt. I never received any calls or notices about this debt and wouldn't have known this debt existed if i didnt check my credit file. That is a violation of my 30 day right to dispute. I would like Southwest Credit Systems to remove the collection off of my credit file. It shouldn't have been added as i was not notified about the debt.