23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX XXXX XXXX in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And Transunion and XXXX refuse to remove it.
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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: Checking or savings account

Suspended my checking account transfer for no reason on XX/XX/2022
Product: Money transfer, virtual currency, or money service

I have a retirement account with Charles Schwab. I have been trying since XX/XX/2019 to activate my account after a move from XXXX to XXXX. I have continuously sent in documentation about my current address. I kept being told that it was approved and currently processing ( I have emails, dates, names and locations of service reps stating this ). As of XX/XX/2019, I called again and spoke with an individual from XXXX. This individual finally sent in an urgent request to active my account so that I may take a withdrawal for a home purchase I have been planning. I still do not have an active account however they continue to take fees from my account without processing my order since XX/XX/XXXX as well as possibly being unable to close on the home.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Product: Vehicle loan or lease

The vehicle was charged off due to Hurricane Harvey in XXXX. Per my credit report it still shows a balance. A charge off is canceled debt and considered income. Ive never received a 1099-C. This is illegal and my rights were violated 15USC 1681 s-2 & 15USC 1681 ( 1 ) ( 4 ). I would like this removed from my report immediately as this is illegal per IRS publication.
Product: Credit card or prepaid card

Good day. I reported to Comenity Bank ( Bread Financial ) on Tuesday, XX/XX/2023, XXXX XXXX that I noticed a FRAUDULENT CHARGE in the amount of {$130.00} dated XX/XX/2023 on my Arhaus Account. I contacted Arhaus Customer Service and was provided with the attached Lifetime Sales Report, wherein I made no such transaction. I had not been in the store on shopping online because I was recovering from two XXXX The Arhaus representative was surprised that Comenity directed me to contact them about a fraudulent charge. 

I have been repeatedly sending Comenity message and they have provided the following response with no action. Response : " Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. See the back of your statement for more information. We appreciate your patience. '' Kindly assist and see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo loan modification is fraudulent I was called and said I had to be there at XXXX oclock to fill out paperwork or I lose my home. I further looked into the payments {$32000.00} is missing they said that it was back payment but I never miss a payment prior to or now on any payments. Also, on the modification they gave me theres a base payment theres no adjustment for principal payment only for the interest and when you do the math it does not add up.Been trying to straighten this issue out with Wells Fargo to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company incorrectly charged the wrong account for payment, internal error, and then falsely reported to the all three credit bureaus that I was late past 30 days when I was not. 

I have asked them to remove it, they said they would look into it over thirty days ago and have still not responded.
Product: Mortgage

I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.
Product: Mortgage

I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian the beginning part of XXXX and I received the results today Report # XXXX and nothing was done other than updating with incorrect information and this has caused a tremendous drop in my credit. It is the Agency 's  responsibility to provide the consumer with validation and verification of these debts and this hasn't been done as of yet. You updated my report with the following incorrect information : XXXX saying it was charged off in XX/XX/XXXX, I DON'T HAVE A XXXX CARD SO THIS IS FALSE INFORMATION XXXX XXXX XXXX UPDATED THIS WITH CHARGE OFF INFORMATION SINCE XX/XX/2018 AND AGAIN, I DON'T HAVE OR HAD A XXXX XXXX CARD XXXXYOU UPDATED THIS TO BEING CHARGE OFF AS OF XXXX, L XXXXI DONT HAVE A XXXX CARD SO THIS IS FALSE INFORMATION YOU CAN'T JUST PUT INFORMATION ON MY CREDIT FILE WITHOUT PROVIDING VISIBLE PROOF OF VERIFYING AND VALIDATING. THIS GOES AGAINST THE CREDIT LAWS FCRA ALSO THE FOLLOWING CREDIT INQUIRIES NEED TO BE DELETED ALSO AS THEY WEREN'T AUTHORIZED : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX THE FOLLOWING ADDRESS DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DO NOT SEND A BOGUS RESPOND BACK SAYING I DIDN'T SUBMIT THE COMPLAINT WHEN IT IS COMING DIRECTLY FROM MYSELF. IF YOU DONT CORRECT THIS HUGE ERROR, IT LEAVES ME NO CHOICE TO PURSUE A LAWSUIT AGAINST EXPERIAN FOR NOT FOLLOWING THE LAWS
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted Bridgecrest regarding an outstanding balance. We agreed that if I paid {$47.00} by XX/XX/year>2024, they would refrain from reporting my account as 30 days late. I adhered to this agreement by making payments of {$320.00} on XX/XX/year>2024, and {$150.00} on XX/XX/year>2024. Despite fulfilling the terms of the agreement, Bridgecrest reported my account to the credit bureau as being 30 days late.
Product: Student loan

I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Vehicle loan or lease

I was told I only had to pay for thirty six months. But I'm still paying.
Product: Bank account or service

I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.
Product: Debt collection

Trans World Systems dropped my credit score for a debt that is even mine. They did not send any correspondents or calls to me before reporting to credit bureaus. Not once did this company attempt to contact me. I strongly believe this colllection agency does not have all my personal info as a result of them not even attempting to contact me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle regularly and reporting discrepancies, my financial institution ( current and former ) 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. 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

victim of identity theft submitted all corresponding documents to the bureaus. and they still have not removed this fraudulent account from my report. I am very distressed about this.
Product: Checking or savings account

on XX/XX/2019 I made a deposit into my account and received a receipt showing me when my deposit will be made available on XX/XX/2019 no other legal verbiage was on the receipt that my deposit date would changed. I spoke to several representative and know seems to want to help or care to help. I have my receipts and all documentation to provide for further evidence.
Product: Debt collection

I received a mark on my credit report in XX/XX/XXXX for XXXX $ saying they tried to collect from me from some hospital or something ( Which Ive never received any phone calls, letters, emails, etc for ). Ive been in XXXX XXXX military and havent had any procedures dont outside since like XXXX or XXXX. The collection they are referring to must be from XXXX XXXX, where I had to go from a XXXX XXXX  that occurred from a friends dog. I did most of the stuff myself before going into the hospital. I put ointment and wrapped my hand up and cleaned the wound to my best ability, when going into the hospital they said they couldnt stitch it up as it may lock the bacteria in and that I should continue to put ointment and wrap the hand up and keep clean. They gave me antibiotics and sent me on my way. They then tried to charge me roughly what seems to be collected it was about {$1100.00} for literally doing nothing. I called the hospital directly and disputed these charges, the hospital apologized and we agreed and settled for XXXX , they gave me a web portal and my friend whos dog bit me paid the amount right there in front of me which settled what was owed. Now 4 years later they want to collect the FULL AMOUNT? I tried to dispute but to no avail as I dont have enough room to type what all happened in the credit report dispute. THIS IS UNLAWFUL, I paid for what services are were done to me ( which was literally nothing, the doctor actually made my would worse by trying to open it, just to tell me he didnt want to stitch it and had me go on my way ) and what I agreed to pay as it was more fair. Even more ridiculous is Ive never received any notice, phone calls, mail or email about this to try and settle with the collector or the hospital itself. This is outrageous and has impacted my almost perfect credit score terribly. Being XXXX XXXX military with a XXXX XXXX clearance impacts on my credit score effect me tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the FDCPA 15 U.S. Code 1692g - Validation of debts and Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : GRANT & WEBER # XXXX
Product: Credit reporting or other personal consumer reports

my privacy rights are being violated in multiples ways. Accordings to 15 U.S. Code 6802 - obligations with respects to disclosures of personal informations, this company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( i ), utilization and payment historys are experiences with the lines of credit that was extended between the consumer ( ME ) and the person, Bank of America, that is making the report. Congresses clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports! This has had a majot negative effect on my life.
Product: Credit reporting

Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.
Product: Debt collection

XXXX XXXX illegally tacked on unexplained and incorrect charges to my cellular bill. They are claiming a debt in the amount of {$2300.00} for 2-3 months of service is owed. I called them numerous times for an adjustment and correction to the bill. They refused. I disconnected the service and paid only the monthly amount I owed. XXXX XXXX turned over the unpaid charges to collection agencies. The current one, Radius Global Solutions keeps calling daily from various telephone numbers.
Product: Credit reporting or other personal consumer reports

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 The following personal information is incorrect