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

To whom it may concern, this company is in violation of my rights. The account status is incorrect. That status shows this as an open account and a collection/chargeoff. It also shows an incorrect balance. The date of last activity is incorrect which means that this company is reaging the account and that is a violation. Please delete this from my consumer repor
Product: Credit reporting or other personal consumer reports

I have had the issue with XXXX XXXX XXXX XXXX before. I had previous with XXXX  that were old and should've been removed from my account but they are showing the information missing/no data for these months to keep the item on your credit report longer than it should be. This account first went delinquent on XX/XX/XXXX, they continuously move the credit date to keep this item on your credit report longer than it should be. This is the XXXX account that XXXX has did this and it should be an investigation into this. They know that you can only view 7 years of your credit report and they use that to their advantage. When I'm viewing the history I only see XXXX. The year XXXX is not viewable and there's dashes through most of XXXX. Also, XXXX is when it was charged-off, which it had to go delinquent prior to XXXX before it was charged-off. It take months of delinquent reporting before it is charged off. I need them to remove this from all of the credit reporting agencies and I want this looked into for a class action lawsuit. I am stage XXXX XXXX and have been disputing this for months and they knew the entire time that this wrong. They did this before with XXXX other accounts I have with them and I don't think that this is a practice where I was singled out. This is what they are doing and it should be illegal. I will also escalate this with my Attorney General 's office as well.
Product: Credit card or prepaid card

XXXX credit refuses to allow me to pay off my regular balance and continues to reduce my fixed pay loan.I have been trying since XXXX of 2018 to straighten this out. Every month I call and they say it is taken care of but it never is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down.
Product: Student loan

On Thursday, XX/XX/2022 at XXXX XXXX, after President Biden announced debt relief for borrows of federal student loans, student-loan refinance company Earnest sent an e-mail with a headline that wrongly suggested that the relief had already been applied to accounts. 

The headline read, " [ My name ], up to $ XXXX in fed loans is gone but what about the rest? '' At issue, someone seeing this headline may inadvertently refinance their student loan before their debt relief is applied. 

Also, the body of the e-mail says that " the Fed [ is ] raising their interest rates, '' which may make potential borrowers wrongly think that the rates on their federal loans are being raised. 

The e-mail is attached. To be fair, a disclaimer is at the bottom, but the whole of the e-mail can be misleading. 

Furthermore, the disclaimer on Earnest 's website does not reflect the payment suspension through the end of the year, let alone through the most recent actions towards forgiveness. The screenshot is attached. Go to www.earnest.com -> Student Debt Refinance -> Check my rate, or, equivalently, www.earnest.com/_/slr-ui/rate-check/get-started I do not hold federal student loans, but the issue is serious enough for the CFPB to investigate and prevent harm to potential borrowers.
Product: Debt collection

Jefferson Capital Systems , LLC have two collection account that was open on XXXX XXXX, XXXX and XXXX. XXXX, XXXX. One for the amount of {$460.00} and the other for {$460.00}. 

These account are not mine and Jefferson Capital Systems , LLC are not licensed to collect debt in Texas. I want this company to remove this from my credit report. 

I have already file a dispute with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and i see that i had two late payments on this account that i was never late for. Consumer Reporting Agencies have a vital role and responsibility to report consumer information to the best of their ability and maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand this account be removed.
Product: Mortgage

LoanDepot.com, LLC ( LDCL ) sold my loan to an investor several years ago. The sale was never recorded as required by California law. The investor then securitized the loan and marketed it as a mortgage backed security to the tune of $ XXXX XXXX, all without pre or post disclosure to me. Although the now unsecured mortgage left neither LDCL or the investor with standing to enforce payment or any authority to foreclose, LDCL appointed XXXX XXXX XXXXXXXX as the servicer and colluded with XXXX to usurp the lawfully Recorded Owner/Trustee and illegally appointed and Recorded a Trustee to initiate an equally illegal nonjudicial foreclosure action on the unsecured mortgage. Despite notices to cease and desist and numerous attempts to resolve the matter, their illegal actions and harassment continues. My standing as holder of superior interest in the matter continues to be ignored, XXXX XXXX XXXX XXXX UCC1 filing XXXX and XXXX XXXX XXXX XXXX filing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years checkr who is the company XXXX use for background checks has reported expunged information to the company that has prevented me from using the XXXX  platform. XXXX XXXX they corrected the information and resubmitted.. in XXXX they reported the Same expunged information to the company which again is preventing use of platform. This time they are refusing to update the incorrect information they are disclosing which has been expunged from record for over 4 years. I filed for an investigation and they denied to update. This is preventing me from moving forward and making a living for my family. I have reached out to them several times for corrections. 

Attached is a copy of the report checkr reported to XXXX in XXXX which was the corrected report from them disclosing the incorrect information the first time, also attached is the report from XXXX were the incorrect information has been released the second time. There is absolutely no way that something from XXXX and XXXX wouldnt show up on XXXX report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I received a predatory payday loan from a unlicensed lender in the amount of {$500.00}. 
I believe this company to be in violation of Alabama 's payday laws and legislation. 
Please see attachment for terms of the loan :
Product: Student loan

XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
Product: Debt collection

APPLE CARD/GS BANK USA XXXX XXXX NEGATIVE MONTHS Harassment and emails regarding collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the wrong name listed on my credit report it should be XXXX XXXX not XXXX XXXX XXXX. Middle name should be removed. 

XXXX has two wrong addresses that should be deleted XXXX XXXX XXXX XXXX XXXX, Illinois XXXX should be removed and XXXX XXXX XXXX XXXX, Illinois should be removed. 

Equifax has the wrong address and should be deleted XXXX XXXX XXXX XXXX XXXX, Illnois XXXX. 

The employer is also reporting incorrectly and should be changed to XXXX XXXX XXXX for Equifax, XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the handling of a dispute involving a Zelle transaction that resulted in financial loss. Despite providing detailed information about the discrepancies in the transaction, my financial institution failed to investigate my claims properly and did not recover the lost funds.

As a Zelle user, I trusted that the service would provide adequate protection and support in cases of unauthorized or disputed transactions. Unfortunately, the lack of resolution has caused significant frustration and financial distress.

I kindly request that Zelle review the matter further and provide clarification on the following : 1. How Zelle ensures disputes are addressed when financial institutions fail to act.

2. What measures Zelle has in place to assist customers in recovering lost funds. 

Your prompt attention to this matter would be greatly appreciated. I look forward to your response and hope for a resolution that restores my trust in using Zelle for secure transactions.
Product: Debt collection

I contacted the debt collector bounce ai to try to find out what tge debt was as I'd never heard of tge original creditor XXXX XXXX. I was told {$700.00} worth of gift cards for XXXX were purchased on XX/XX/year>. I asked if they were able to verify were these cards were sent and was told they were sent via email. According to the agent I spoke to, my name and social security number were given to obtain this debt. I informed him this was not done by me and I was told I had to file a complaint on ftc as well as file a police report for identity theft - otherwise this debt would remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to appeal a recent credit score deduction. On XX/XX/XXXX2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to XXXX XXXX/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do sinceXX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with XXXX XXXX for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to XXXX XXXX asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process.

Thank you for your assistance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX Bankruptcy Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
6. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OK XXXX
Product: Debt collection

I started getting calls from southwest credit lately at least 4 -5 times a day and they don't answer my questions about the debt in question & this so called debt being acquired so many times by different company and I ask for the debt in written & I can't get the info send to the address they have on file.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XX/XX/XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today  XX/XX/XXXX and there is a collection opened XX/XX/XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XX/XX/XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.