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

I noticed an error on my file, which I sent a letter off to XXXX XXXX XXXX  XXXX and the reporting agency 's on XX/XX/2024. They are violation my consumer rights. Reporting inaccurate data each month, also the reporting of this account. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this inaccurate.15 USC 1681 s-2 states that your company as a furnisher of information to a consumer reporting agency You are prohibited by LAW to furnish inaccurate information. Ive demanded several times to Cease and Desist that this company is furnishing inaccurate and incorrect information to the consumer reporting agency. The reporting of such inaccurate information has caused severe damage to my character, and my reputation. 
Under 15 USC 1681s2a1a, A person shall NOT furnish any information relating to a consumer to any consumer report agency knowing or has reasonable cause that the information is inaccurate. Also, 15 usc 1681i ( A1a ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; it's been over 30 days and still reporting unlawful activity to my file
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, recently reviewed my credit report and identified multiple unauthorized accounts and inquiries that I did not apply for, authorize, or recognize. I believe I am a victim of identity theft, potentially linked to the XXXX data breach. Under my rights outlined in Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting an immediate investigation and removal of the fraudulent accounts and inquiries listed below. 

Fraudulent Accounts to Be Deleted : 1. Account Name  : XXXX XXXX XXXX Account Number : XXXX... 

Recent Balance : {$7000.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Collection Account ( {$7000.00} past due as of XX/XX/XXXX ) 2. Account Name : XXXX XXXX XXXX XXXX File Number : XXXX Account Number : XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX Since I never opened or authorized these accounts, I demand their immediate removal from my credit report. 

Unauthorized Credit Inquiries to Be Removed : 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 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 Request for Documentation Under FCRA 609 : I am exercising my rights under FCRA Section 609 and request the following : Documentation verifying the validity of these accounts and inquiries, including signed agreements. 
A full investigation report confirming whether these accounts and inquiries were legitimately authorized. 
The names and contact details of any entity that provided or verified the disputed information. 

Attached Supporting Documents : A copy of my government-issued ID. 
A recent utility bill for address verification. 
A copy of my FTC Identity Theft Report. 
A signed Affidavit of Truth and Removal of Account. 

As per FCRA regulations, you are required to investigate and respond within 30 days. If these accounts and inquiries can not be verified with legally binding documentation, they must be permanently removed from my credit file.
Product: Money transfer, virtual currency, or money service

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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX
Product: Mortgage

Was granted a loan modification several years ago and was 3 months late. The company Select Portfolio Services claims there's XXXX XXXX due at the end of the loan. Original loan amount was {$140000.00} and now they claim we still owe {$150000.00}!!!. That was the only period we were late on payments and it was due to a hardship. This loan/company is unethical and doesn't add up. We've been paying on this loan for 14 years and still owe more than purchase price? 
I'm at a loss and they can't explain and have hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand immediate action regarding your failure to reinvestigate the numerous errors reported by the South Carolina Department of Social Services ( SC DSS ) on my credit profile. These errors include but are not limited to : Re-aging of the account : The account 's delinquency date has been inaccurately modified to make it appear newer than it is. 
Incorrect payment history : Payments I made are not accurately reflected, leading to a distorted account status. 
Erroneous amounts : The amounts owed and reported are inconsistent with the actual balance. 
These inaccuracies have severely damaged my credit profile, causing unwarranted harm to my financial reputation and opportunities. 

Under the Fair Credit Reporting Act ( FCRA ) ( 611, 15 U.S.C. 1681i ), I am entitled to : A prompt and thorough reinvestigation of disputed information. 
Correction or deletion of any information that is found to be inaccurate, incomplete, or unverifiable. 
Written notice of the results of the reinvestigation within 30 days of my dispute. 
Your failure to ensure compliance with these provisions is a clear violation of my rights under the FCRA. Furthermore, the SC DSS 's failure to provide accurate and verifiable information violates their obligations as a data furnisher under 623 of the FCRA ( 15 U.S.C. 1681s-2 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

This is associated with complaint : XXXX as I have no way of adding to my previous complaint. It is also associated with the Zelle transaction XXXX, XX/XX/23, {$1800.00}. Mislead/Scam I have asked XXXX ( Zelle ) for information on the receiving bank so that funds can be recovered under the new " mislead/scam '' guidelines. They refuse to provide that to me, nor reimburse me for the " mislead/scam '' even though the new Zelle banking terms allow for it. I believe that the receiving bank set up a bank account for the person who initiated the mislead/scam without receipt of proper identifying information associated with federal/state " know your customer '' regulations. This enabled the scammer to initiate the mislead/scam and then immediately transfered the funds to another account ( which XXXX/Zelle refused to provide ). 

In addition, I believe that Zelle has not implemented proper safeguards to guard against mislead/scam transactions by not 1 ) requiring all receiving bank accounts to provide " know your customer '' documentation and then supply that to the sending bank in the case of mislead/scam transaction, and 2 ) clearly show if the receiving Zelle transaction is associated with a non-US bank, or a bank that is not subject to US " know your customer '' regulations. If this information was provided at the time of setup, then consumers would be informed that a mislead/scam may be happening, and thus avoid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called TransUnion and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Product: Checking or savings account

On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through XXXX  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried several times to reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through CHASE bank and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX app. No XXXX, XXXX or other payment service
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : VW CREDIT INC XXXX Date opened XX/XX/2018 Balance : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian this morning on XX/XX/2023 to inquire about a missing account that should be reporting to my credit. I also disputed a few I inquires that do not belong to me. So, I received a emailed stating my dispute was complete. When I checked my credit I saw Experian had added multiple negative accounts and names of someone elses credit file to mine. They have completely destroyed my credit. Experian has maliciously and intentionally to do things to hurt my credit. There a several accounts and names that arent associated with me. Couldnt even dispute the names or some of the accounts because I was told if the name is associated with the account then its cant be disputed. Every time I call Experian they do something bad to my credit. My legal and only name is XXXX XXXX. I attached screenshot of what my credit report looks like. There are names that I have never been associated with. Experian took someone elses credit file and put it on mine. 

8 negative accounts 34 inquiries 37 personal information Was added to my credit file They intentionally merged my file with someone elses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for an FHA streamline refinance with my current Mortgagor, PennyMac, in XX/XX/2020. I was assigned XXXX XXXX as my loan XXXX working with my loan officer XXXX XXXX. 

XX/XX/2020, I received notification that my credit had been reviewed and my mortgage application was conditionally approved and was informed my loan would likely close the second week of XXXX. 

On XX/XX/2020, I received notification indicating there are liens on my property which the m.a.c. team will discuss with me the options for the liens to be paid off or subordinated. I later spoke to my loan specialist and confirmed that I would like to subordinate both liens. 

By XX/XX/2020 I had not received an update so I follow up with my loan officer who asked if I had requested the subordination agreement for the two liens. I informed her it was my understanding that PennyMac requests the subordination agreements, however, I was happy to reach out to those companies which I did and was told that PennyMac had not initiated a subordination request. That same day I provided the loan specialist, via email, with the information necessary to request the subordination agreements. The loan specialist also indicated there was a judgement showing on my title for a company that I had no previous relationship with. I informed her of this and also contacted that company which stated they did not have any record of a judgement in my name. 

The following day, XX/XX/XXXX, my loan XXXX called me stating we had a " clear to close ''. I asked her what came of the subordination agreements and the proposed judgements and she backed peddled saying she need to research and to disregard her phone call. She later confirmed that the judgement was an error but that they still needed to obtain the subordination agreement before getting a " clear to close ''. 

On XX/XX/XXXX, I received a notification indicating they needed a signed W-9 for the subordination which I provided. 

On XX/XX/XXXX, I received another notification indicating they needed an " ink signed borrower 's authorization '' and a copy of the note for my home equity line which was to be subordinated. I provided both. 

Although I have provided all documentation requested of me, on XX/XX/2020, I received a credit decision of declined with the reason stated as " credit application incomplete '' with no other explanation. I have emailed and left voicemails for my loan specialist and loan officer requesting a explanation of why my mortgage application was denied and have not received a response.
Product: Money transfer, virtual currency, or money service

I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.
Product: Debt collection

I have been receiving harassing phone calls and voicemails from strangers from this company that also contain a fraudulent caller ID. Apparently this is a collection company. 

My search revealed this to be the actual company : Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Office : XXXX Toll Free : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted across XXXX and XXXX due to identity theft and this is only in TransUnion. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Checking or savings account

I have been in contact with Wells Fargo corporate office emailing back-and-forth, asking them to simply close my account every day I wake up I see them hitting me with another overdraft fee for some kind of auto recurring charge that was there that I have with another bank? They are now slapping me with overdraft fees every single day when Ive asked them over and over again to close my account.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

There are XXXX different school loans on my credit report. I did not have any business with any. The one cliaming ed educational has the largest amount I never heard of. I thought that part of my loan was removed. I find out that they increased the amount that they claimed I owe is not the amount that I owe. I believe it is a scam. The other one is Nelnet who has been calling my voice message again. I do not owe anything with them. I thought all of the loan was removed years ago. This is what I asked for. They were there on my credit report causes my credit score to downward XXXX points. I think that this a scam to use against XXXX people, and lowering my credit scores is one way that has been used in the past, and hopefully not again.
Product: Credit reporting or other personal consumer reports

I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX
Product: Debt collection

After receiving suspicious emails over a period of time from XXXX, when I did not have an active account, I sent them to their company XXXX XXXX  and then also called them to make sure that there was no active account with my name and email. At first I was told there was indeed a verified account in my name and that it could not be closed down. Then after a number of calls and emails back and forth, one of their operators confirmed that I would get no further emails, in XX/XX/XXXX by phone. Then on XX/XX/XXXX, I received the attached letter via XXXX Mail from a company called American Coradius International. Stating that they were trying to collect a debt for XXXX. 

I have never owed money to XXXX. I do not have a credit account with them, and have not used their service in YEARS!! 

I called XXXX on XX/XX/XXXX, and XXXX XXXX filed two claims on my behalf XXXX, and XXXX and stated I would hear from them in 3-5 business days about next steps. When I did not hear from them by XX/XX/XXXX, I called them again. I was told by XXXX ( # XXXX ) that I owe them no money and not to call the phone number on the letter I received from XXXX. I was told that they were continuing their investigation. 

So now, not knowing what to do and not wanting to call this company who sent me a letter asking for money that I don't owe, I am sending this to you. I don't know what else to do, I don't know if I am being scammed or a victim of fraud at this point. 

Thank you for your help.
Product: Debt collection

I had an account with XXXX XXXX for about a year. This company was used to buy XXXX but never offered a " loan ''. I had to deposit money from my checking account to the exchange - then buy the asset. Now this company " Cedars Business Service '' says I owe them {$360.00} from XXXX XXXX but I never got a loan from XXXX at all - I think this is a SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

A coalition of attorneys, announced on XX/XX/2020, a settlement with XXXX XXXX XXXX XXXX ( XXXX ). The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk. XXXX has agreed to help repair consumer credit reports that were damaged by its alleged practices by removing the account from credit reports. 

In the settlement on page 9, paragraph 16, " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11. '' I have two letters to credit reporting agencies and have not received a response regarding this particular issue.