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

Charge off was to be update and or removed by kia finance. Amount showing incorrect along with days showing incorrectly. I spoke with a XXXX XXXX in their office who stated to me that paperwork was submitted to remove this due to me being on XXXX XXXX status no payments were late and vehicle was turned in XX/XX/year>. Kia auto sold vehicle without knowledge of anyone.
Product: Credit reporting or other personal consumer reports

I took out a loan with XXXX and they are not a liscensed lender in my state. The principal was paid back and they agreed to close the loan. XXXX is now reporting it as a {$1000.00} charge off when they were paid back. They refuse to address the fact they are not liscensed to lend in my state. Yet they will not provide a correction to my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BEST BUY/CBNA, XXXX XXXX  XXXX XXXX  and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA, XXXX XXXX  XXXX/XXXX  XXXX  and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Debt collection

A company called Revco Solutions Inc. keeps harassing me through phone calls and mail, despite having been asked not to on multiple occasions. They have been told over the phone that the phone number they are calling is my work phone number as a paramedic supervisor and they are tying up an emergency line with these harassing phone calls. I also sent them a letter on XX/XX/year> stating that I have never signed a contract with their company and therefore have no obligation to give them any amount of money. And that any further communication with me or my address would be considered harassment. However, they continue to harass me through daily phone calls, and weekly letters.
Product: Mortgage

I was contacted by my mortgage company Rocket Mortgage on XX/XX/XXXX by XXXX XXXX about refinancing my loan or borrowing money against it but I declined. Then XXXX called me again on XX/XX/XXXX to pressure to borrow. Then on XX/XX/XXXX Rocket Mortgage Banker XXXX XXXX started calling, texting and emailing me pressuring me to refinance my existing loan. He committed mortgage fraud by misleading me that my current interest rate was 6.2 % on 24 years and to pay {$4800.00} in closing fees to refinance to 5.99 % on 15 years while doubling my monthly payment would be best. My loan is actually currently at 2.99 % on 24 years and I have already refinanced this loan with Rocket twice in 4 years. I started the procedure but on XX/XX/XXXX I figured out the scam and I contacted Rocket in writing to XXXX XXXX stating to cancel my loan request. I also told XXXX this on the phone the same day. All my requests were ignored and I was ambushed with calls and texts from Bankers XXXX XXXX, XXXX, XXXX, and XXXX XXXX pressuring me to refince the loan. On XX/XX/XXXX XXXX called me and was told to cancle the loan and stop calling me. He immediately called back 30 seconds later. No matter how many times I requested to not be contacted and stop the loan application Rocket would not take no for an answer and cancel the loan. Rocket was named and lost a class action lawsuit in XXXX for this very practice. I was forced to file a XXXX XXXX XXXX complaint just to get the loan cancelled and the harassing sales contact to stop. After the XXXX complaint XXXX XXXX from Rocket responded that the bankers did not make the alleged statements but the contact would stop. All calls are recorded with Rocket so this statement is false. I would like for Rocket to stop contacting me and be prosecuted for the mortgage fraud and XXXX XXXX to be terminated and prevented from committing mortgage fraud to future clients.
Product: Credit reporting or other personal consumer reports

To the best of my knowledge, I have not received any services, goods, or financial transactions from [ XXXX XXXX XXXX ] that would warrant the debt they are claiming. 
I have diligently reviewed my financial records and found no evidence of any transactions or agreements with [ XXXX XXXX XXXX ] that would validate the debt they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX 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 a account without my written instructions
Product: Debt collection

I have recently received correspondence from Brennan & Clark Ltd, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection agency hired by XXXX XXXX XXXX XXXX XXXX asserting that I am indebted to XXXX for {XXXX However, XXXX has previously communicated with me, explicitly confirming the accurate processing of all payments, and stating that " no further action is needed. '' This confirmation, dated XXXX XXXX XXXX can be verified, directing attention to page # 2 for additional details. 

Furthermore, XXXX XXXX XXXX has reiterated that all payments have been correctly processed, and their records indicate that our office does not owe any payment about this matter. Additionally, I consider the issue resolved, and any further attempts to collect on this alleged debt will be perceived as harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with credit acceptance corporation in XXXX. I gave the car back in XXXX XXXX. I cancel the registration couple of months later. I thought it would be a voluntary repo. It turns out that it's been going on my report as a delinquent account I and have a number of late payments that continue to accumulate. I have disputed this matter a number of times with no results in XXXX I was offered a settlement offer from credit acceptance for XXXX I was to pay that by XX/XX/XXXX which I did they sent me the paperwork satisfying that account still the company has not removed it after numerous calls XXXX will not remove it after numerous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.
Product: Checking or savings account

I have been trying for months to open and fund an IRA account with Synchrony Bank. The account has been opened ( account # XXXX ) and my employer, XXXXXXXX XXXX XXXX, has already sent the check for approximately {$50000.00} to Synchrony ( XXXX XXXX XXXX  ), but the check has not been deposited, and Synchrony keeps asking me for the same forms which I have filled out multiple times, before they will fund the account. As of today, that check is in limbo, somewhere with Synchrony, waiting to be deposited.
Product: Debt collection

I received a notification on my credit report that yet again another debt collection agency has flagged my credit report with a debt owed that was already resolved with another debt collector. On XX/XX/2021, Receivables Performance flagged my report stating I owe {$630.00}, the creditor being XXXX. This has already been resolved as a result of not my debt. 
Today I am sending a certified mail letter to Receivables Performance to provide proof of their debt collection.
Product: Vehicle loan or lease

Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone. 

All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.

I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually. 

guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account. 

I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything. 

last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.

They keep me in the dark. AUDI FS is the fraud.
Product: Credit reporting

I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit score has n0ot updated on any credit monitoring site
Product: Debt collection

I never received information regarding a debt from Eastern Account System. I have no idea where this debt is from. I have excellent credit and funds available to pay this debt but they put it on my credit report just as I am applying for a refinance on my mortgage. Now I ca n't get them to remove it. AND I DONT EVEN KNOW WHAT IT IS FOR BECAUSE I NEVER RECEIVED NOTICE!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. Thank you for your time and assistance through this matter.
Product: Checking or savings account

I met a woman online and she indicated that she was traveling to XXXX to assist in the treatment of COVID-19 patients. 
After various text, she informed me that since she did not have a business visa, they could not pay her through their payroll, but they can make payments to a US credit card on her behalf. 
She asked me wether she.can pay the outstanding balance of a secure. 
Credit card I had with TD Bank NA. 
The she started paying my outstanding nance and asked me to return the money she paid to her via gift cards. 
I did not see wrong with that since she was m Paying the outstanding balance on the card. 
The bank subsequently reverse all those payment a dhargex my card with. Approx {$43000.00} six weeks later. 

I feel that I am not responsible for any payments made by the bank after 3 days since the payments were. Made. 

Respectfully Subpmitted, XXXX XXXX XXXX
Product: Debt collection

For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account XXXX XXXX  # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on times as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/XXXX that my Experian  credit score dropped by 25 points and my credit rating went from fair to poor. After researching my credit report I noticed that an old credit card account from XXXX XXXX  was now listed on my credit report twice, with the same account holder, account number and contact info. I am attaching screenshots that show the duplicate records. One key difference between the two duplicate records however was my payment history. The original entry on my credit report had my 3 years of on time payments for that account between XXXX and XXXX. The new duplicate entry did not have any of my payment history and simply had that it was a charge off. 

This duplicate entry on my credit report caused my credit rating to drop and my credit card FICO scores are now in the XXXX range. 

I submitted a dispute on the Experian website to address this duplicate entry on my credit report the same day on XX/XX/XXXX. After two weeks without a response I contacted Experian via their phone number and spoke to a representative that told me he would help get the duplicate removed from my credit report. 

What actually happened is that Experian deleted the original record with my 3 years of on time payments and instead kept the duplicate record that did not have any of my on time payments. 

I simply want this account to be accurate on my credit report and listed only once with my payment history intact.
Product: Credit reporting or other personal consumer reports

I agreed for a paid report from EXPERIAN CREDIT last year. Then I cancelled it after a few months. Then I got billed for EXPERIAN CREDIT REPORT the report after I already cancelled EXPERIAN CREDIT REPORT. EXPERIAN said they can not go back and refund my money, but they can cancel the current billing. Then I got a charge to my account again and again we went through the same process with EXPERIAN CREDIT REPORT. Not receiving any benefits only charges to my bank account. So EXPERIAN said they cancel then they restart this same process over and over again. Not refunding the past charges, they say they can't go back to. It is a scam and a real scam to people of my age! Who are not made aware of EXPERIAN CREDIT REPORT type of scam!
Product: Payday loan

I have a loan with Check N Go. The loan is now at {$870.00} with fees and re-financing, even though it started off at {$500.00}. 

I have refinanced it four times. 
Today, I asked for an extended payment plan, and they said that they do not have to offer one in the State of Ohio. 

I would like to file a complaint against them.
Product: Debt collection

i recieved a letter in the mail saying to pay jefferson capital services or i  would get arrested. i do not know this company. they are not on my credit report. i owe no collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized.

The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately.

Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws.

Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX XXXX that TransUnion had received credit inquires from XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. All inquires state " XXXX XXXX XXXX ''. In understand that all three ( 3 ) of these are for a " XXXX XXXX '' Credit Card which I do not recall ever applying for.
Product: Credit reporting or other personal consumer reports

Multiple accounts on credit file that are the result of identity theft and credit reporting company will not remove from file.
Product: Credit reporting, credit repair services, or other personal consumer reports

the companies are reporting the wrong info on my credit
Product: Checking or savings account

On XX/XX/year> I noticed that the money deposited in the bank to cover Bank Fees while I await requested legal documentation from the Bank has been strangely debited to XXXX - '' XXXX ''. My account has been drained to zero with no legal explanation, documentation, written or electronic communication sent by Bank of America which is a violation of FDIC guidelines. The bank has stated they have taken this action based on a Legal Order I have never seen - Legal Order, XXXX XXXX. Bank of America has refused to provide any evidence of the supposed legal order they used to zero out my accounts. This is an illegal non-descriptive debit that is a violation of the law and bank regulatory standards for account management. Please have Bank of America return the funds, follow FDIC and Department of Treasury guidelines for account management. Please have Bank of America provide evidence of the Legal Order they used to remove all funds from my accounts including the name of the Judge and Jurisdiction. I have been attacked by XXXX XXXX Nationalists working at Bank of America.This matter is also being reported to the US Department of Justice.
Product: Debt collection

I was contacted by a collection agency saying I owed money for a car accident I was never in. The collector claimed that I was driving a XXXX ( which I have never owned or driven ) and hit another vehicle, and refused to give my insurance information. None of this has ever happened. I requested a validation of the debt and all the documents the collector responded with were completely redacted, except for my name, former address, and social security number. I was never contacted by an insurance company, only the debt collector. I went to the police and filed a report, and while I was there the collector called and spoke to the officer. It appears likely that someone has given my name and filed a false insurance claim using my personal information. The debt collector was never able to tell me any thing about the accident, or the other party involved. 

I have repeatedly told the collector that I do not, and have NEVER owned or even driven the type of vehicle in question, and I was not in an accident of any kind in XX/XX/2016 as they allege. I have already filed a police report with the XXXX County Sheriff 's office.