23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I RECEIVED A NOTICE FROM MY CREDIT MONITORING COMPANY THAT THIS ALLEGED DEBT WAS REPORTED TO XXXX CREDIT BUREAU. THIS COMPANY NEVER SENT ME A NOTICE AND NEVER GAVE ME A CHANCE TO DISPUTE THE ALLEGED DEBT.
Product: Mortgage

Upon losing my job in early XX/XX/XXXX, I contacted XXXX XXXX   to ask for assistance while I was trying to obtain another job. I first submitted loss mitigation paperwork as directed by XX/XX/XXXX in early XX/XX/XXXX. They continued to require one more document after one more document. I continued to call and check on the progress with little to no change. They failed to contact me or keep me informed on any level the only communication came from me contacting them. When they finally accepted the completed packet they had until XX/XX/XXXX to make a decision about how they could best support me. On XX/XX/XXXX they transferred my loan to someone else without making that decision. Now Rushmore loan management company is telling me I have to start this process over. In the meantime each month my credit gets worse and worse. I contacted XXXX in XX/XX/XXXX and told them I had obtained a part-time job and was able to begin making payments. There is still no resolution. I just received a letter Saturday XX/XX/XXXX regarding Rushmore wanting me to submit all my documentation over. I believe XXXX never had any attention of addressing my issue as they knew they were transferring my loan to someone else. I have an FHA loan. It is my understanding that FHA has a forbearance during unemployment where interest is put on hold. XXXX XXXX  never offered this or suggested this solution to me. I just want to know how much to pay for my mortgage so that I can put my house for sale and clear out this debt.
Product: Debt collection

Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  SS # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Truist bank open a closed Credit card to deal with a Fraud case I had filed. I originally closed my credit card and debit card in XXXX of XXXX they reopened in XXXX of XXXX to deal with the fraud case when they reopened the account I was not made aware of nor gave consent. When they reopened yearly fees was put on the account. As I was not aware they had reopened I never paid it off. It accumulated for 6 months until it was closed again ; truist bank took the money out from my despite of a student credit card. And they have been fight on giving my money back and fixing my credit scores since XXXX. Now theyre saying I owe {$33.00} from when I had closed something that never has come up. They claim I made a payment on the credit card in XXXX of XXXX same amount as fraud case. ( I believe it was to prevent damage to XXXX scored ) but I hadnt heard of this nor recall due to a concussions until today XX/XX/XXXX they dont want to refund my {$80.00} for yearly fees and Interest Fees put on a account I had closed on a months Prior in person ( while also putting a fraud case on that same card ) and have been fighting to fix their mistake for the last 2 years with me not giving me a refund on the {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to CREDIT COLLECTION SERV there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

During Covid I went through financial hardship, resulting in late payments to my Amex credit card. They gave the account to XXXX XXXX XXXX to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with XXXX over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXXXXXX XXXX XXXX XXXX Request '' from XXXX XXXX XXXX, representing Amex, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to Amex. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, Amex has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from Amex about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get the fraudulent XXXX and the XXXX XXXX XXXX accounts removed from my report. Please help me and get these accounts blocked.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices.

These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm.

Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Experian are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card.

Proof of address ( utility bill or similar ).

A copy of the affected credit report with the errors highlighted. 
Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my XXXX attempt to get this matter resolved regarding the XXXX account in my Experian report. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report in XX/XX/2019 and I do not believe I was late on the date they are reporting. I contacted the bureau 2 times now & they claim this information has been verified but they have failed to provide me with any proof which is a clear violation of FCRA Sections 611, 616 & 617. This account should not be showing I was 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof. 

XXXX XXXX
Product: Debt collection

this letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Product: Credit card

Care credit is charging a late fee amount of {$41.00} if even XXXX day late. 
Care credit did refund me the late fee since it was only XXXX  days late however I believe the CFPB passed a law that companies can not charge late fees of this max amount. When I asked the service rep about this he declined to answer. 
Also I was given XXXX months to pay off amount on card if not done by XX/XX/2024 {$530.00} will be added to the total on top off interest
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all this account was settled for half of it faced value {$4500.00}, I made 8 paymentsat {$100.00} per month as agreed. But the new account was never recorded. It has been almost a year since I have been making payments toward it but Discover refused to update my account. I called them and asked them to correct the balance shows, they said yes but nothing was done about it. I would to see the balance agreed upon and credit for the payments I made.
Product: Checking or savings account

I processed my income taxes using XXXX at the end of that process I was offered the ability to create and have my refunds depostied to and payments be taken from a Credit Karma XXXX XXXX  account. I agreed to this and the account was opened before XX/XX/XXXX My issue is that there is a balance left in the account and I am not able to access it. I have attempted ( as advised by Credit Karma ) to Link my other bank account and each time I try I get a message " ..we hit a snag on our side ... '' Initially when I tried this in early XXXX I thought to give the system some time in case there was a bug and try again in a few days. When this continued to fail with the same message I tried to simply spend the money using the debit card I received and that gets rejected each time. 
I contacted Credit karma member support on the phone about this issue on XX/XX/XXXX and was unable to resolve the issue. A case was opened CASE # XXXX and I was told it would be '' redirected to a more specialized team that is better suited to look further into the matter. '' I got an email with this information. 
On XX/XX/XXXX, 5 business days later I still had not heard anything and sent an email reply asking for an update. Nothing in response. 
Now it is XX/XX/XXXX, a full month from the date I opened the issue and still I have heard nothing. I emailed another reply asking for an update. I tried to find a status update and wound up opening another case for the same issue. CASE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy  of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not  furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX03 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$3600.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$260.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

My address changed and this debt/bill was never sent to the correct address. 

I have attempted to pay it and have the incorrect collection removed but the company refuses to do so even though I was never notified of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one last issue still outstanding : My account dispute has been resolved. The conclusion was my account has been re-opened. Two late fees removed. However, there is still one outstanding late fee on my account. Also, there was a letter stating that all late fees will be updated via the credit bureau ( all three reporting agencies. ) As of right now, the account is still reporting negatively on my report. I need my report to be updated with update of the results from the account dispute. In other words, the account should be reported showing as follows : Open Paid on Time Which notates the two recent payments of {$250.00} and {$170.00} I need a letter stating this information to submit to the bureaus, if the need arise in the future. 
The company stated my report ( all three ) would be updated. Not Completed The late pays to be removed. Not Completed A letter notating the account reopened ( no longer closed ) and reflecting the payments. Therefore, the late pay fees should be credited. Not completed.
Product: Mortgage

I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out  information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant financial issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering these lost funds was impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding a series of violations I have encountered under the Fair Credit Reporting Act ( FCRA ). These violations pertain to unauthorized inquiries, inaccurately reported accounts, and the overall integrity of my credit report. 

As a law-abiding citizen, I take my financial responsibilities seriously and strive to maintain a good credit standing. Unfortunately, the recent incidents involving unauthorized inquiries and unverified accounts have deeply impacted my financial stability and emotional well-being. 

The unauthorized inquiry by XXXX on XX/XX/XXXX, as well as the unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, have caused significant distress. I have no recollection of authorizing these credit pulls, which raises concerns about the security of my personal information and the respect for my consent. 

Moreover, I have discovered several inaccuracies and questionable accounts on my credit report, including the following : XXXX XXXX  - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX These accounts are either unrecognizable to me or have unclear information associated with them. The lack of accurate reporting has not only damaged my creditworthiness but also caused unwarranted stress and frustration. I firmly believe that these violations not only undermine my financial stability but also violate my rights as a consumer. 

[ Share your personal story here. Describe how the unauthorized inquiries and inaccurate accounts have impacted your life emotionally, financially, and potentially even socially. Be specific and share details to create an emotional connection. ] Given these violations, I kindly request the Consumer Financial Protection Bureau to enforce the legal protections afforded to me under the Fair Credit Reporting Act. I am seeking a resolution that ensures the removal of these unauthorized inquiries and unverified accounts from my credit report. 

I implore you to take swift and decisive action in this matter to rectify the violations and restore the integrity of my credit report. I am committed to responsible financial behavior and deserve the peace of mind that comes with accurate and truthful credit reporting. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will act in the best interest of consumers and uphold the principles of fairness and justice. 

Sincerely, XXXX XXXX