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

Been in contact with Experian for almost 7 years to get information reported corrected they are reporting 6 accounts in error I have called, wrote letters, had companies call in and submit documentation to support claim and Experian refuse to update the following account reporting errors. XXXX, XXXX and XXXX accounts were always paid onetime never late both companies have written letters to Experian to have late payments removed and they have refused to removed late payment entries on these account ; need the following late payments removed : XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. In addition to refusing to remove late payments they are fully aware that I am a victim of Identity Theft ; notarized police report, notarized identity theft affidavits, and letters from the companies themselves stating they did investigation and found that the accounts were not mine they copied me and sent the letters into credit bureaus as well and again Experian is the only bureau the refused to remove the following accounts in fact not only do they still report every month they update with new late payment/closed/charged off account which is making my credit score suffer a great deal. The following accounts need to be removed and blocked immediately : XXXX XXXX XXXX a total of 3 accounts ) and Timepayment. These 7 account reporting in error are making life very challenging especially with COVID-19 I can not obtain lines of credit or increases due to poor credit reporting. I am like the rest of world laid off with no income awaiting the government to send some assistance but until then I have to rely on family members and credit to survive and Experian is making it challenging due to their refusal to update/ remove the above mention account reporting.
Product: Student loan

My student loans are consolidated with SoFI. I attended The XXXX XXXX XXXX XXXXXXXX from XXXX. Recently the federal government has forgiven loans from that school. Additionally XXXX ( my former student loan servicer with XXXX  ) has been forgiving private loans for former students. I have requested information and forgiveness for my loans from SOFI because of the misconduct of the school and former loan servicer.
Product: Mortgage

I received a call from my insurance company on XX/XX/XXXX stating that they did not receive payment from the XXXX XXXX ( Stearns Loancare ) and my insurance was canceled. 
My funds ARE in Escrow and the XXXX has all my insurance information including policy number and payment due date. ( as seen on my account when I sign in ). 
My insurance company called and was told by multiple people that my loan was in the process of being sold and they are refusing to pay the insurance premium at this time. 
It took me several calls ( I was transferred to a supervisor who never picked up, told they didnt have my insurance info-which they did, and promised to call me back on XX/XX/XXXX which never happened ). 
The last rep I spoke with, XXXX, stated my loan was NOT being sold and that this was an error on XXXX side. She conferences in another rep in the insurance department who stated this will take at least 5 days to request payment and IF approved another 2 days to cut the check and then mail. I was looking at a minimum of 2 weeks with no insurance. 
I ended up having to pay out of pocket for 3 months of insurance so I would be covered. 
This is illegal for them to hold my money and cause the stress and financial hardship of having to come up with extra funds when they have my money!!!
Product: Debt collection

We were mailed a letter from Pioneer about an open debt due to not having coverage for New York State Workers Compensation XXXX on XXXX XXXX, 2015. They called two weeks later explaining if within 7 days we got coverage they could drop the penalty fine. We did so, I called back to show proof and make sure they gained the information of the coverage. They confirmed, I then asked when is the latest/due date for when the debt is owed. I also stated I am authorized to make payments, however the owner is the XXXX to decide when, and from where ( we have different accounts as well as if he wants to mail a check or pay over phone and by what method ). I stated that the XXXX of our schedules were off so I will have to sit with him for him to decide and by the XXXX they will be paid. Within a two week span I received XXXX calls, even when I was not in the office and in meetings of trying to be reached to obtain the same debt that I had stated would be taken care of by the date I asked is the latest. On the XXXX I received yet another phone call and was actually around to take it. In the phone conversation they asked the same information, I then repeated if I did not have until the XXXX to make this payment and why are they constantly calling if they gave me a due date? I was forwarded to a manager, who just kept repeating the same thing. I informed them it was harassment to constantly pull someone away from their work to have the same repetitive conversation. I had stated I asked for the due date for a reason so I know when to have this settled and it is on my radar ( the same thing I said prior ), they then threatened other penalties that they would accrue on if they did not receive it by the XXXX. I agreed to whatever penalties were and stated they would either receive the check in mail by the XXXX or I WILL CALL them on the XXXX.Today is the XXXX and by XXXX they called.
Product: Debt collection

Attorney XXXX XXXX is the representation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Reference # XXXX ( XXXX 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 account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( s ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

On XXXX XXXX, 2015 I sent a certified letter to Enhanced Recovery Company to verify a negative tradline entered on my credut profile by this company. The certified receipt was signed on XXXX XXXX, 2015. Today is XXXX XXXX, 2015 and I have yet to receive any information to verify that this erroneous account being reported in a negative way to the credit bureaus under my credit profile. I was under the impression that a company is given 30 days to verify this information or it should be removed from my credit profile.
Product: Checking or savings account

{$25.00} was taken from my account on XX/XX/22. When I opened the account, I was told that I would not be charged as long my mortgage account is open with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX XXXX  is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, and on XXXX the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my XXXX Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof and there is no middle name or initial in my name. I have always lived at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL/SSC for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the XXXX Police Report of proof of my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RENTED A CAR AND WAS XX/XX/2020 AND WAS NOTIFED/INFORMED THAT MY CAPITAL ONR MASTER CARD DOES COVER COLLISION DAMAGE TO MYRENTED VEHECILE. UNFORTUNATELY I HAD AN ISSUE OF WHICH I PROCEEDED TO FILE A CLAIM WITH MASTER CARD / CAPITAL ONE CARD VERIFIED CLAIM AS SUPORTED BT COPIES OF EMAILS FURNISHED TO THIS COMPLAINT SINCE XXXX OF 2020 IT SEEMS AS I HAVE BEEN GETTING THE RUN AROUND BY MASTER CARD AS TO THE TRUE STATUS TO SAID CLIAM XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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

On XX/XX/XXXX Kohl 's reported my account 30 days delinquent for more fee 's than my principal balance. In the age of COVID I think this is cruel. I have had my Kohl 's credit account since XXXX and have never been 30 days delinquent. The alerts that I set up to alert me of an late payment or missed payment when I set up my account are somehow no longer set up. I didn't notice prior to this month that these alerts were no longer set up because I'm never late. To add injury to insult when I received my statement and noticed that I was past due, I immediately paid the balance in full. Kohl 's took two payments from my account and now I have a credit on my account. I only received one confirmation email for one payment and that was confirmation number XXXX and I also spoke with a customer service rep after I made my payment, she stated my account was in good standing and never mentioned anything about a double payment or credit on my account. I also reached out to Kohl 's on XX/XX/XXXX via written communication through the website and have yet to receive a response. 
I'm not really looking for a refund because I will possibly use my Kohl 's charge account in the future however, my credit is very important to me and I would like this negative trade line removed.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry by XXXX XXXX Dear Sir or Madam, I am writing to file a formal complaint concerning an unauthorized hard inquiry on my credit reports made by XXXX XXXX. Upon reviewing my credit reports from XXXX, XXXX, and Experian, I discovered a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

I have not applied for any new lines of credit with XXXX XXXX or any of its affiliates, nor have I given permission for any credit inquiries. This unauthorized hard inquiry has adversely affected my credit score and may impact my future ability to obtain credit. 

I kindly request the following actions : Investigation : Please investigate this matter to determine how this unauthorized inquiry occurred. 
Removal of Inquiry : If no valid authorization is found, instruct XXXX XXXX to immediately remove the hard inquiry from all three of my credit reports. 
Correction of Credit Score : Ensure that any negative impact on my credit score resulting from this inquiry is corrected. 
I have attached copies of my credit reports highlighting the unauthorized inquiry for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. Please feel free to contact me if you require any additional information. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 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. I recently have gotten that short end of the stick and reported it XX/XX/year>. They said nothing could be done because of an agreement I put yet the persons Zelle is still up and running to receive money through lying to others. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX  protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Debt collection

Was sent a letter on XX/XX/2019 by XXXX XXXX XXXX, stating that I owed this debt with Pinnacle Credit Services , LLC. This is at least the second company pinnacle has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with Pinnacle.  Everytime I dispute it they just transfer it to another company to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
Product: Checking or savings account

I opened an account with BB & T online, later I went into a local branch to double check my account type.

The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ).

However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.
Product: Debt collection

In XX/XX/year>, I FIRED XXXX XXXX for poor service and incompetence. 

They tried to collect {$50.00} for service disconnect. I objected as it was not spelled out in any documents I had, and I had FIRED them.

They put my account in collection with Eastern Account Systems. 

I spoke with XXXX and requested the case go to arbitration, per their terms. This is now pending a date.

I contacted Eastern to tell them this was out of their hands until arbitration efforts were over. 

Nevertheless, they have contacted Credit Bureaus ans filed a debt collection complaint, which is a lie.

My FICO is above XXXX so they are creating an annoyance. 

I want Eastern to BACK OFF, as it is currently none of their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company MOBILOANS , LLC is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should MOBILOANS , LLC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the credit action you have taken in closing my account. The error in drawing payments is with your own ACH process. My account has never been in arrears and must not be reported in any negative fashion. I have attempted to correct this information many times with your employees over the telephone but never reached resolution. I do a significant amount of business with Amazon and your actions cause me great concern as to continuing that buying. 

The errors causing this issue arose from a bank account used to make ACH payments. That account had to be closed due to a data breach from XXXX XXXX suppliers. There was one payment made where the closed account number was used. This was corrected immediately. I personally went into your web-based system and changed the account number to reflect the replacement account. 

I also personally verified the correct account number for a recent payment. I was notified of the account number error and immediately made payment through another source. My bank XXXX XXXX XXXX in XXXX Michigan notified me that Synchrony Bank sent an ACH request to the closed account. I authorized payment by my bank from the correct account number. This resulted in Synchrony Bank accepting duplicate payments. 

I went back into my Amazon Credit Card account and verified the correct account number for ACH payments. I called and spoke with a manager who told me I should completely delete any ACH payment sources and start over which I did. 

I did not make any payment from the closed account. Your system used the old account number to request the ACH. My bank initially declined but then called me and then made the payment. Your actions have negatively affected my credit