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

I have contacted Experian consuner reporting agency on XX/XX/XXXX via letter explaining to Experian as per not being FCRA compliant, inaccurate and incomplete as well as unverifiable information shows up on my consumer report. I sent them the proof the need to fix all the errors that are harming me by Experian reporting false inaccurate information. account named ( Ollo cws account number ( XXXX ) i clearly circled on the experian credit report the trade line name is inaccurate reporting there is no ( XXXX ) the correct trade line is XXXX card services, I have told Experian that the reporting was stopped on XX/XX/XXXX last report date. but the seem to unilaterally defy FCRA law and continue to report charge off after the date of XX/XX/XXXX. according to XXXX the account was sold and no other company reported anything on this account, yet Experian continues to report an unrepeatable account. The original creditor sent me a letter that backup my claim it clearly says nothing about XXXX reporting a credit limit on this account let alone a high balance as stated in their own letter sent to me. so how unfair and how misleading Experian has been doing this for a while thinking i wouldn't catch them ( why would Experian report inaccurate information when the original creditor says it clearly that they stopped reporting in XXXX of XXXX it clearly says on their letter to me, I have attached new information on this matter Please help me CFPB? 

account number XXXX in XXXX XXXX XXXX XXXX Account # XXXX ) I have told Experian to stop reporting inaccurate information on this account : this was a secured credit card account meaning that collateral was used in lieu of extending credit of {$520.00} a secured credit card with secured funds. The errors are that Experian fails to correct false and misleading information. the credit limit was {$520.00} its impossible to report high balance of over {$680.00} how on earth. Since the card is secured by only {$520.00} capped and declined on anything above {$520.00} either Experian reps lack the knowledge of math or they are deliberately unable to do a math equation. This account was closed therefore no balance is due since once a secured account is closed the secured funds of {$520.00} are applied to the balance should be {$0.00} balance there is no lates or charge off status only, a closed account pay as agreed. this was a secured account.. very simple. 

XXXX account in question, Experian continues to report these errors ( XXXX XXXX XXXX account # XXXX ) the credit limit report {$500.00} but Experian reports {$1800.00} credit limit or charge off. what weird about this that the credit limit should be {$500.00} not {$1800.00} some how Experian has me confused me with someone with the similar name. my understanding is that the banks wont allow for the the consumer to go over the credit limit that is set. Inaccurate reporting on Experian part.. I have produced the right paperwork for Experian to fix all these errors as FCRA promotes XXXX accuracy or it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a 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, nor later than 4 business days after the date of receipt.
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 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 CFBBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have a contact with XXXX. Sunlight claims that I signed a contact with them.
Product: Checking or savings account

On XX/XX/2023 the amount {$250.00} was deducted from my XXXX XXXX checking account without my approval. This deduction caused my payment to my account at XXXX XXXX  to be declined and subsequently my credit score dropped from a XXXX to a XXXX. Even though I have over draft protection on my account the charge was still declined. Corresponding with XXXX XXXX complaint # XXXX requested a letter from XXXX XXXX XXXX  stating the error and XXXX would resend the Late payment from the XXXX credit reporting companies to restore my good credit. The problem is XXXX XXXX will not issue the letter even though they admit to the unauthorized deduction that Caused the initial problem
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXXXXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

Dept Of EdXXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Product: Payday loan, title loan, personal loan, or advance loan

I called the company because they add in fees that wasnt expected and they said they would call me with a settlement agreement and they never did
Product: Debt collection

PREVIOUS CASE NUMBER : XXXX NOT RESOLVED NEW PROBLEM. On XXXX XXXX, XXXX, I send by signed return receipt a letter XXXX XXXX XXXX to settle my balance after making XXXX {$100.00} payments. I specifically stated to contact me by mail only due to lack of telephone responses on their part. I have not received one piece of mail countering my offer and now on XXXX XXXX without ANY WARNING I 've received an order to execute garnishment on property or wages. I have made many offers to settle this account and have told them I am on social security only. XXXX XXXX XXXX, who told me he did n't care that I was on social security, and there is nothing he can do to accept any of my offers, is bullying me. I have a part time job paying {$250.00} a month to buy groceries an I was willing to find a way to get a settlement with XXXX XXXX but all he wants to do is argue and demine me. I can not afford to have my wages garnished as I am on social security only. This XXXX XXXX XXXX. has never contacted me by mail when the filed my bank account be taken which is my social security and is exempt. NOW THEY NEVER COUNTERED MY OFFER BY MAIL AS I REQUESTED AND NOW WITH NO NOTICE THEY FILED TO GARNISH MY WAGES. I have tried so many times to settle with this company BUT ALL THEY DO IS YELL AND XXXX AND TRY TO BE SLEEZY AND SNEAKY TO GET AT MY EXEMPT MONEY. I WILL be going to a judge to get a stay on this garnishment as I feel that the practices of debt collection from XXXX XXXX XXXX. IS COMPLETELY DISHONEST. They just bully the XXXX out of you and get judgements passed WITHOUT ANY NOTICE. THEY NEED TO BE LOOKED INTO FOR UNFAIR TREATMENT TO ME AS A SENIOR CITIZEN AND I 'M SURE THERE ARE MANY OTHERS THEY BULLY. I have done my part to settle this with them.
Product: Consumer Loan

I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.
Product: Student loan

Since graduating in 2010 I have been paying a monthly bill thinking that I have been pay off some of the principal balance but it looking further into it, my principal balance as been increasing. The way they setup payment plans is set only to have you paying off interest to the loan so they can extend the interest for as long as possible. It extremely deceiving and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus EXPERIAN and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX, XXXX, XXXX, XXXX frequent phone calls at my place of employment. I have made several attempts to have them stop calling my work phone. My employers does not all personal phone call on work phones. they have called my co-workers asking them to transfer them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.
Product: Debt collection

I'VE BEEN RECEIVING PHONE CALLS AND DEBT COLLECTION LETTERS FROM THIS COLLECTION COMPANY ERC ON THE BEHALF OF XXXX XXXX XXXX I REPEATEDLY ASKED FOR DEBT VALIDATION BUT GOES IGNORED ONLY RESPONSE FROM THEM IS THIS DEBT WAS REPORTED VALID FROM THE ORIGINAL CREDITOR. I HAVE NEVER HAD XXXX XXXX XXXX SERVICE SO THIS IS NOT MY DEBT. I AM REQUESTING DEBT VALIDATION IMMEDIATELY ON THIS ACCOUNT OR REMOVE IT IMMEDIATELY FROM MY CONSUMER REPORTING FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Equifax XXXX XXXX Last Updated XXXX XXXX XXXX XXXX Payment Status Not more than two payments past due Account delinquent 60 days past due date Worst Delinquency 30 days past due 60 days delinquent Balance {$19000.00} {$19000.00} Credit Limit 2-YEAR PAYMENT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my XXXX  accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted XXXX several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is XXXX They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely XXXX late payment reporting and destroying peoples credit, goals and life.
Product: Debt collection

I requested, in writing, with all 3 credit reporting companies and directly with portfolio recovery concerning a debt listed on my credit reports. I asked on two separate occasions for the debt to be validated and verified. All I have been sent is statements..no signatures, nothing from the original creditor giving the collector permission to collect, no documents showing any attempt to actually validate this debt is correct. 

In addition the 3 credit reporting agencies have not sent me, per my request, information as to HOW they verified the debts. 

XXXX is the most eggregious of the violators. They have stated that they " verified '' the account, yet they list the original creditor as Portofolio Recovery Associates rather than XXXX XXXX as the documents suggest. There clearly has been no effort on the part of the CRA 's to actually protect my rights and verify that all the information is 100 % accurate and being reported correctly. 

I have attached the documents they sent me, as well as my requests that I made and the specific things I asked for and the case law supporting my requests.
Product: Credit card or prepaid card

Previous complaint ( Case # XXXX ) remains unresolved but closed without allowing us to rebuttal. 

Re : Missing {$1500.00} Credit Payment ( 3 Attachments ). 

Obviously, Citi Card still did NOT do their investigation again! I have made it clear on multiple occasions that there were FOUR {$1500.00} payments made to Citi Card as reflected on my bank statements, but, only THREE were credited to my Citi Card. This is because the Conditional Credit of {$1500.00} issued on XXXX was reversed. 
How many times do I have to tell them FOUR {$1500.00} payments to my Citi card do not equal three {$1500.00} credits??? Citi Card did not do any work except focusing on one date which is XX/XX/XXXX, but the MISSING CREDIT is the XX/XX/XXXX payment of {$1500.00}, it was deducted from my wifes XXXX bank account ( ending in XXXX ), the bank statement is attached, I even marked a Question Mark? next to that payment made on XX/XX/2019, please actually read what we wrote this time, please! Unacceptable response from Citi Card!!! We are tired of spending hours and hours on each phone call with Citi Card to only have to start all over explaining as nobody investigated the file ; last time we sent them a 5-page Fax, but no one read them. We really need to be compensated for the extensive hours on this case. And today, I have called the Executive Response Unit of Citi Card at least three times after seeing the response letter, but no answer, no returned calls. 
I am attaching a detailed documentation again in a more simple form hoping someone smart enough to understand. We spent 5 hours alone on this updated detailed sheet ( please see attachment " Citi Card Payments Checklist XXXX '' ). After this, it's lawsuit time!!!!!!!!
Product: Credit reporting or other personal consumer reports

My TransUnion report is showing 47 late items I dont understand how I went from having none to 47. I disputed items and 1 came back stating late in XX/XX/year> but account was paid off. There is even accounts showing up from over 7 years ago. I did put a freeze on TransUnion credit reports. I also disputed one late with XXXX and Experian they stated verify but nothing sent to me I dont believe they followed through. I want these late items removed from my credit reports.
Product: Debt collection

They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file. 

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB.

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?
Product: Payday loan, title loan, or personal loan

When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card never accepted card and never opened account does not belong on my report needs to be removed from credit bureaus report Reprted on XX/XX/2019 XXXX
Product: Debt collection

XXXX XXXX XXXX has been taken over by a new management company that is reporting on my credit report a delinquency of {$15000.00} from Transworld System collection agency. The new management company refused to give me any informtation and referred me to Transworld. I asked Transworld to send me an itemized statement of the debt to show the details, they stated they would but I have never received anything. I rented from XXXX and was sent a move out statement stating that my sister owed about ( {$1900.00}? ), we were both on the lease, the letter came to my new address in her name, after the company did a move out inspection. The envelope and letter did not have an address or any contact information to dispute any move out charges. I attempted to call and go to the office, they were no longer there. This year this outrageous fraudulent amount is now being reported on my credit report. The new company will not talk to me and the collection company has not sent any documentation. I filed a complaint with the States Attorney General and dsiputed with the credit bureaus. XXXX has sent a dispute resolution stating the collection agency has verified the debt is accurate. This is not accurate, it is fraudulent reporting and I am left trying to prove its false and the creditor has not provided any documentation of proof. I'm being given the run around because the collection agency is blaming the management company and the management company will not talk to me. No attempts were made to collect this debt, no calls, no letters it just appeared on my credit report. This is fraudulent and inaccurate and I need assistance to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a XXXX balance.