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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have a loan with OCWEN LOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and OCWEN LOAN with no successful resolution. XX/XX/XXXX and XX/XX/XXXX reporting me late. There was definitely an error on their part. I was never 60 days late (XX/XX/XXXX-XX/XX/XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

Brite advertised instant money I had given them all information then it said approved I was waiting on it then it came back it wasn't because of their point system it never said that in the advertising or when it did a information set up to take money out of my account it wouldn't let me delete it I tried contacting support and it is a XXXX XXXXXXXX which wouldn't give me a phone number or address nothing on there site let 's you delete account it takes you back to this XXXX  in a circle of confusion to not let you cancel or delete it and keeps you account information then I got an email saying stuff that when I uploaded everything it says approved for XXXX XXXX. But no money the. Hey back tracked on the deal and I told them in email false advertising to get people 's information and not provide a way to cancel is federal unlawfully done to people and their credit.
Product: Payday loan, title loan, or personal loan

I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.
Product: Money transfer, virtual currency, or money service

I used to have an account with MoneyLion. I have since closed my account.

Since closing my account, I have received several emails, both advertising additional products and updating me about how the terms and conditions " of my account '' were changing. These emails offers no way to unsubscribe.

When I called MoneyLion, they confirmed that I do not have an account with them, but told me that they were unable to delete my email address or my personal information ( birth date, social security number, etc. ) or unsubscribe me from emails.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution in XXXX to investigate. My claims adequately. They informed me that recovering lost funds was impossible, and then tracking these transactions was unfeasible. The CFPBs findings indicate that Zell has not only neglected to protect consumers that has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raising serious concerns about consumer safety.
Product: Mortgage

This has been going on since XX/XX/XXXX with movement mortgage and they have attacked my wife XXXX XXXX XXXX and not updating us on our loan or giving us the closing cost. When you call there corporate they are giving you the run around refuse to update you and pass you down to XXXX XXXX and he will not return your calls or emails and making threats. They are not being professional and already out XXXX dollars without a key to my home
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to request the restoration of my PayPal account.

I understand that the account was suspended due to concerns about customer dissatisfaction. Even though, my client was satisfied with it. I would like to clarify that I have been committed to complying with PayPals policies and addressing any issues that arise. 

Please review my account and consider restoring it. If you need any additional information or documentation, please let me know. 

Thank you for your attention to this matter. 

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I reported identity theft and supplied a police report XX/XX/XXXX to Experian. They removed the account back in XX/XX/XXXX and placed it back on my report in XX/XX/XXXX but they didn't notify me in 5 days of the reinsertion per FCRA 611 ( 15 USC 1681 ) I spoke with a rep today XX/XX/XXXX & advised her of what happened she states they sent me notification within 5 days but when I asked her to supply the letter with the XX/XX/XXXX date on it she said she cant supply that and she can only give me a letter of what was sent with todays date on it. 

Im upset that these credit reporting agencies use these type tactics to get over on consumers and are able to do what they want. It's already alot that someone stole my identity then I have to go back & forth with the bureaus to follow the law.
Product: Credit reporting or other personal consumer reports

I have 2 inquiries on my report that I have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notified the credit bureaus I noticed on my credit report that my personal information is wrong and needs updating there should only be my name, one address, and one social security number. All other names and addresses im not associated with should be deleted I have yet to hear anything back from the bureaus today is XX/XX/XXXX I have attached documentation down below
Product: Student loan

My wife and I have been paying our student loans through XXXX. Around XXXX or XXXX, our loans were no longer serviced by XXXX. My loan went back to my original lender and we were never informed to where my wife 's loan went. As a result her loan went into default because we did not know who to make payments to. Her loan went into default and we were able to get it out of default within a year. Unfortunately our XXXX tax return I believe went straight to the student loan due to being in default. We are tying to get an accounting to see where the money went. If it did go towards our student loan? and if it did, Why is our student loan still high? were there other ridiculous fees added on? We've been trying to contact XXXX XXXX XXXX XXXX , College Assist, and XXXX XXXX XXXX who were all involved. But they seem to be " passing the buck '' to each other. In Summary : 1. Where did my tax return money go to? approx {$7000.00} or {$9000.00}, I'll double check 2. If it did go to my student loan, ... Why hasn't my Total amount significantly decreased?
Product: Mortgage

I want cfpb & XXXX XXXX to get involved with this immediately Answers from SPS IS JUST A SPIN.They have with their attorneys among other things DUAL TRACKED and i have application in for assistance from state IHAF and have confirmed appt for certificate XXXX XXXX. 
I was told by the ombudsman department several time in XXXX they had got me a loan mod telling me payment would go up too {$2400.00} asking me if i would accept that I SAID yes The last call i got was XX/XX/XXXX XXXX FROM XXXX again ( ombudsman ) saying please be patient he was just calling to let me know he was on top of everything and as soon as he see final papers he would get back to me.Have not heard from him or anyone else since. 
Their attorneys tell judge no loss mitigation is pending. 
I dispute all numbers and want a real investigation of everything .I WANT you AND ILLINOIS ATTY GENERAL TO FILE INJUNCTION AGAINST THEM as they will not put file on hold on their own!! 
We have a hearing XX/XX/XXXX AT XXXX THEIR ATTORNEYS KEEP PUSHING IN COURT
Product: Credit reporting or other personal consumer reports

I'm asking to investigate these wrongly reported accounts on my credit file. Under the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. FCRA 605B requires reporting any false accounts on a consumer 's report.
Product: Debt collection

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.
Product: Credit reporting or other personal consumer reports

Credit card was fraudulently opened in my name with JPMCB on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and chase XX/XX/2023, no communication from chase and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Product: Debt collection

The debt amount of {$1400.00} was originally from XXXX XXXX XXXX XXXX. In my credit report it appears as if I owe the debt to Sunrise Credit Service. The original debt was with the initial lender. The account got sold to Sunrise Credit Service and I have no obligations with them, other that they just having a balance in my credit report that is harming it.

My obligation of paying the debt was with XXXX XXXX XXXX not with Sunrise Credit Service.
Product: Credit reporting or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Product: Credit reporting or other personal consumer reports

Please delete these accounts from my credit report as they are fraud. 


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

I have an open account with your company Self Financial that was opened a few years back. Unfortunately, in XXXX of 2022 I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Self and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Self and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Self Financial. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against SchoolsFirst FCU regarding their failure to investigate disputed items on my credit report despite multiple requests. On XX/XX/2023, and XX/XX/2023, I mailed dispute letters to SchoolsFirst FCU regarding accounts numbered XXXX and XXXX. These letters requested a thorough investigation into inaccuracies present on my credit report about these accounts. 

The aforementioned accounts were included in a bankruptcy discharge, and subsequent to the discharge, I have maintained on-time payments, as reflected by the payment history provided by the credit bureaus. However, SchoolsFirst FCU continues to report these accounts negatively, which is in direct contradiction to the information provided by the credit bureaus. 

Despite my efforts to rectify this discrepancy by disputing the inaccuracies directly with SchoolsFirst FCU, I have not received any response regarding the results of the investigation. The lack of communication and action from XXXX XXXX is deeply concerning as it has the potential to negatively impact my financial well-being and reputation. 

Enclosed with this letter are copies of the dispute letters I previously sent to SchoolsFirst FCU, kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that SchoolsFirst FCU fulfills its obligations under the law.
Product: Debt collection

This is a debt that is not owed by me and I would like this removed immediately from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company checkr is reporting a eviction judgement on their consumer report under my name after i checked and had the records pulled there is a judgement for the name XXXX XXXX my name is XXXX XXXX XXXX, also the paper work does not have my social security number on any of it or my date of birth i have disputed this several times with checkr and keep getting a reply information is accurate and correct and comes directly from court records, which i don't understand how it's accurate with no social security number or anything else to verify it's mine, after several attempts to resovle tis with checkr have failed now i'm submitting the complaint to CFPB to help get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete Accounts information with missed payments on XX/XX/2014. From State Farm ( credit card ) Data in the system is correct. 
but I have never had problems with payment before I have never had problems with payment later It was the only time.That time I was in XXXX and I really did not have the chance to make a payment on time, I'm really sorry but spend already a couple years but this still hurts My credit. Please be a good bank and remove this information
Product: Student loan

Called XX/XX/XXXX to Ed financial because my payment amount was showing {$730.00} after coming out of forebearance. They resubmitted for a graduated extended repayment plan and said my payment would be {$360.00} a month to start. It would take 10 to 14 bus days to process this request. Called again on XX/XX/XXXX as payment amount still not updated and they said actually takes 16 to 21 bus days to process and should be done soon Called again on XXXX  and said they were submitting to higher dept for review because they don't know why it hasn't updated. Was told to not pay while working out but I'm concerned with it being past due. That doesn't look good on history. Still no resolution.
Product: Credit card or prepaid card

I received an alert today someone tried to open up a Citibank Best Buy credit card in my name on XX/XX/2021.
Product: Mortgage

For several years I have been paying 53 Bank an additional amount of money XXXX {$200.00} or more ) over the interest amount on my home equity loan. Since XX/XX/2019 I have been paying an extra {$400.00} in addition to the interest payment on my XXXX Bank home equity principal. The interest rate has been XXXX percentage since XX/XX/2019. Although I am paying on the principal, the interest on this loan does not appear to be going down. I called 53 Bank today, XX/XX/2019, to inquiry why the interest being charged on the home equity loan is not going down, but keep increasing. XXXX Bank response was that the interest amount they are charging me is based on a certain amount that they charge per day. The amount that they are charging me for interest does not appear to be based on my principal balance, which should make the interest lower and more money going toward my principal. I feel that 53 Bank maybe charging me more interest than they should on this loan. They have probably been doing this for a long time, because I used to complaint to them about the same thing with my home mortgage which I have paid off.
Product: Debt collection

I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I had voluntarily surrendered a vehicle with Tidalwave finance. The loan was for XXXX XXXX. They sold this vehicle for XXXX XXXX. They never corrected the balance on my credit report and are reporting I owe more than XXXX XXXX on the deficiency now. I tried to contact their customer service but had no luck in understanding the balance. I was never sent a bill after the repossession nor have they tried to contact me. They are reporting every month and every month the balance increases. I have tried to dispute with experian but they deny to even investigate this issue for me.
Product: Credit reporting or other personal consumer reports

I CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX and Zelle failed to investigate my claim adequately, They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I am disputing incorrect reporting of charge -off accounts because non compliance with FCRA and IRS Regulations.
Product: Credit reporting

I have XXXX inquires from XXXX. None of which were authorized. I have written letters and disputed these with my credit agencies with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on Equifax that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.