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

On XX/XX/XXXX I received a credit alert from XXXX XXXX XXXX advising me of a derogatory credit report.by XXXX XXXX for a XXXX XXXX XXXX XXXX 

I initiated a dispute with Transunion stating the account was not mine and wrote a letter sent via certified mail to XXXX XXXX. I have never had an account with XXXX XXXX  nor have I applied for or had a XXXXXXXX XXXX XXXXXXXX XXXX. 

I received a Transunion response about two weeks later saying that XXXX XXXX  had verified the account as accurate and my dispute was closed. About 45 days after my letter of XX/XX/XXXX to XXXX XXXX  I received a letter from them stating that the file had been turned over to XXXX XXXX XXXX for collection and that all communication needed to be with them. I called XXXX XXXX XXXX and explained the issue and was repeatedly told it was my account and that I needed to pay it. I stated clearly that it was not my account, that I disputed it and that I wanted proof of its validity including the original application, copies of all charges supposedly made by me and copies of any correspondence sent to me regarding the account. I was told it would be delivered to me by mail in about 60 days. I also learned during that call that the mailing address they were using was that of a property I sold in XXXX. 

I awaited arrival of the documentation for about 90 days before calling again. I was informed again that I would receive it in about 60 days. To date I have never received anything via US Mail, email or via any other message despite having confirmed my correct mailing and email address with them in each call.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian, XXXX XXXX XXXX on XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. I have not received the results of any investigations into the items I disputed.
Product: Mortgage

Im being charged private mortgage insurance even though I have long since brought my loan to value under 80 %. Im being charge {$75.00} a month Ive contacted the company twice about stopping this charge and they have refused. At this point I have over paid {$1500.00}
Product: Debt collection

Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.
Product: Debt collection

Wilber And associates called me saying that I owe money for a car accident. I was not, nor have I ever been in a car accident. I told them they had the wrong person, and they said my license would be suspended if I didnt pay. I received a letter in the mail from them saying I owe {$2300.00} and gave me ways to pay this debt. This debt is not mine, and I have never been in a car accident.
Product: Consumer Loan

On XXXX XXXX, XXXX I became aware that I am a victim of identity theft. I have since contacted all three credit reporting companies ; XXXX, XXXX and XXXX to dispute information reported to them and I have also filed individual complaints to the individual creditors accordingly. XXXX of these tradelines/accounts that I have disputed was with Chase for an auto loan ( Partial loan # : XXXX ) to which I have disputed as not mine and or fraudulent. Prior to yesterday, it was an auto loan that was opened in or around XXXX XXXX, and then paid off in XXXX XXXX. Also, up until today it reported as at least reported as a paid in full with satisfactory pay history with an opening balance of {$22000.00}. Where as of today not only is this account still reporting on my credit, but it has since been updated by Chase as an account that was in fact not paid on time with the following late pay history reporting ; ( XXXX XXXX - XXXX XXXX as 30,60,90 & 120 days late ) with a credit limit of {$1000.00}. It also shows this account as first reported in XXXX. 

First off, all of this information is now even more wrong than it was before when I contacted them directly and disputed this entire account from the beginning on XXXX XXXX, XXXX. At this juncture, I would challenge Chase to verify that this account was even mine to begin with. At least prior to my disputing this, it was reporting as a satisfactory and paid in full account and now all of this information has changed. This is a violation of the FCRA on so many levels.
Product: Consumer Loan

I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXXXXXX, From : NATIONAL CREDIT SYSTEMS, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

I have fraudulent accounts and charges on my personal credit file from XXXX XXXX XXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I drafted a Method Of Verification Request to the Credit Bureau Equifax, On XX/XX/XXXX the request was sent via certified mail, delivered on XX/XX/XXXX. The response I received on XX/XX/XXXX was that the information is verified as accurate, but no information on how they verified this account to be accurate was provided, that request has been completely ignored. The amount is {$140.00} line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove information that was shown and proven as identity fraud. I have called and faxed over the supporting information. 

XXXX XXXX XXXX, was a fraudulent debt under the name XXXX that was already removed, in which they sold the debt and renamed it. I called and advised this and they have ignored my request and proof which can be seen in previous reports from 2018. 

XXXX  XXXX XXXX  was an account fraudulently opened I have a security warning on all my credit reports requesting the companies call and verify that it is me they are speaking with as my identity was stolen and was reported to all credit bureau 's. 

XXXX XXXX Was a debt that was belong to my previous Land lord in which I provided proof via text in which he admitted that he did not switch the electricity out of my name once I moved There are also double inquiries on my report which should only appear once I have contacted them about this and they have yet to be rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

I've issued a dispute to all 3 major credit bureaus advising that XXXX XXXX account XXXX is missing payment history information and the amount is incorrect. XXXX, Equifax, and XXXX XXXX still have not removed this account from my credit report within 30 days and continue to be in violation by reporting inaccurate and incomplete accounts.
Product: Credit card or prepaid card

XXXX Thanks for allowing me to finally view the card statements through your response from the previous CFPB complaint listed above. After reviewing the statements I see that there are billing errors I did not authorize any of the highlighted charges. see the attached documents This is a billing error dispute.
Product: Debt collection

My XXXX  daughter was admitted to XXXXXXXX XXXX XXXX XXXX ( the `` Provider '' ), a hospital that is in-network with my insurance company ( XXXX ) for observation following an XXXXXXXX XXXX visit. After her discharge, I received a bill for the full cost of the services provided ( {$6200.00} ), without reflecting the agreed-upon rate with my insurer. I was informed by my insurance company that I was not responsible for that amount because I visited an in-network provider. On multiple occasions, I informed the Provider that I was not responsible for the full amount and they should contact my insurance company to properly process any bills. 

In a joint conference call between myself, the Provider, and a representative from XXXX, the Provider was again informed that they should refrain from sending me balance bills and should instead address any billing issues with my insurer. Once again, the Provider was informed the same in a XX/XX/2022 letter from XXXX. 

Instead, the XXXXXXXX XXXX XXXXXXXX XXXX, in violation of their agreement with XXXX, improperly reported the matter to a collections agency, Celentano, Stadtmauer & WalentowiczXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I woke up today to find incorrect accounts on my credit report, and I cant understand how or why this is happening. I always monitor my credit, and everything has been accurate until now. I thought refreshing my browser might fix it if it was some kind of error, but nothing changed. Im pleading for the documents I sent to be thoroughly examined so this nightmare can be resolved, and I can stop living in constant worry.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing. 

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.
Product: Payday loan, title loan, or personal loan

I have received 2 emails from these people notifying me of a refund owed and asking me to update my address which I did twice ... this was in early 2021 and I have yet to receive the refund. I have called on multiple occasions, sent emails etc ... they are un responsive as the representatives are unable to provide me answers and although they say somebody will call me nobody ever does. I believe the refund is due to an interest overcharge but I have yet to receive the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXXXXXX XXXX activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!
Product: Student loan

Nelnet is my federal student loan servicer. When I learned about the Public Service Loan Forgiveness ( PSLF ) program, I called my loan servicer to find out how to become qualified. At that time I was told there was no paper work to fill out until I had already worked ten years in a qualifying position. I asked if my position ( state government ) would qualify- they said yes. I called 2-3 times over the next six years to ask if there was paperwork or any other action I needed to take in order to have my loans forgiven under that plan. Each time I was ensured by a customer service representative that there was no action I needed to take. My most recent call to Nelnet was XXXX/XXXX/17 to re-certify my income-based payment, and during that call I made my regular inquiry about the PSLF program and my qualifications. I was told at that time that my loans should have been consolidated under the XXXX XXXX XXXX loan consolidation program before I began making those qualifying 120 consecutive payments. I spoke to a supervisor who gave me the same information. When I asked why I was given false information for the six previous years the supervisor said, " I do n't know why someone would tell you that. '' When I asked to make a complaint she told me that the complaint would only be good for employee training purposes- not to resolve my issue. 

I did not accept job offers from private companies because I wanted to remain in a qualifying position for the PSLF program. This Nelnet " blunder '' has caused me to make approximately {$14000.00} in payments that could have been used for PSLF ; and narrow my career path by choosing to remain in state government service.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to formally submit my concerns regarding the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Zelle. I understand the CFPBs role in protecting consumers, but I believe there are significant issues with how the situation is being handled, and I would like to file a complaint regarding the matter.

While I recognize the importance of investigating any potential misconduct in the financial services sector, I am concerned that this lawsuit may not fully address the impact on consumers, particularly those of us who have been directly affected by the issues surrounding Zelle 's fraud prevention measures. 

Specific Concerns : Lack of Transparency and Accountability : As a user of Zelle, I have encountered difficulties when attempting to resolve unauthorized transactions. I have not been given sufficient support or transparency in these cases, despite the assurance that Zelle is designed to provide secure and instantaneous transfers. My complaint is not only about Zelles failure to resolve these issues but also about the lack of clear communication regarding how fraud cases are handled.

Inadequate Consumer Protection Mechanisms : One of the primary concerns is the apparent gap in Zelles fraud protection measures. In cases where I or other users have been victims of scams, the platforms support system has been slow and often unhelpful. I feel that more stringent protections should be put in place, especially in light of the fact that these transfers are often irreversible once completed. 
Impact on Trust and Consumer Confidence : The CFPBs actions, while well-intentioned, have not sufficiently addressed the broader concerns many consumers have with Zelles platform. Its crucial that consumers feel protected when using financial services. The lack of meaningful resolution regarding fraud prevention and reimbursement procedures has eroded my trust in the system. 
Ongoing Consumer Harm : Given the broad use of Zelle in everyday financial transactions, I am concerned that ongoing consumer harm continues as a result of the lack of sufficient action to protect users. I would urge the CFPB to ensure that Zelle implements stronger safeguards against fraud and that consumers are adequately reimbursed when they are victims of scams or unauthorized transactions. 
I respectfully urge the CFPB to take these concerns seriously and to advocate for stronger consumer protections regarding Zelle and similar payment systems. It is imperative that these platforms are held accountable for their actions and that consumers can have confidence in their security. 

Please consider this letter a formal complaint, and I request a response outlining how my concerns will be addressed as part of your ongoing investigation into Zelle 's practices. 

Thank you for your time and attention to this matter.
Product: Payday loan, title loan, or personal loan

I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not in an open status it is closed. I have asked Equifax to move this to closed status. THis account has been closed for years.
Product: Debt collection

Portfolio recovery Called after XXXX XXXX  on XX/XX/year>
Product: Credit reporting or other personal consumer reports

On several occasions I have contacted the company MOHELA and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of MOHELA. Per MOHELA, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.