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

I discovered that the same information on my credit report was incorrect when I reviewed my updated reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be reinvestigated : XXXX XXXX XXXX : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or authorize or benefit from any of the following inquiries, nor did I consent to these being shared by a XXXX party affiliate XXXX, please remove the following within XXXX business days upon receipt to avoid any further legal proceedings, thank you! Texas XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 

My only employer is XXXX XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX - XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
I previously disputed this account stating : " I am a victim of identity theft and I never opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Account has been deleted from Experian and XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns Regarding Zelles Handling of disputes Particularly in light of The recent CFPB Lawsuit highlighting Significant issues with the platform. Despite using Zelle numerous times and reporting many discrepancies My financial institution and Zelle failed to investigate my claims adequately. They informed me that Reversing loss funds was impossible, and Tracking these funds were infeasible. The CFPBs findings indicate That Zelle has not only failed to protect consumers But has also allowed Repeat offenders To exploit the system, leaving users vulnerable to the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXX out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedNov XXXX Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusClosed. 
Status UpdatedMay XXXX Account NameXXXX XXXX XXXX  Account XXXX Account TypeSales Contract ResponsibilityJoint with XXXX  XXXX Date XXXX StatusAccount charged off. {$220.00} written off. 
Status UpdatedAug XXXX Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedMar XXXX XXXXremove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXXremove above incorrect names, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX LOST XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX FAMILY ***remove above incorrect addresses, not mine, FCRA violation
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

XXXX ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX. I was on the phone with a XXXX employee at XXXX central time, XX/XX/2024. We talked about how XXXX is reporting inaccuracies on my credit report by saying I missed XXXX and XXXX payments. But I got bank statements to prove XXXX subtracted the funds out my account both months. The XXXX employee talked to a supervisor then they gave me a email to attach my proof and bank statements. Also I was informed by XXXX when I show proof you guys will removed the late payment ASAP. This is really hindering me because my credit is being affected for mistakes XXXX did. XXXX  phone no longer works nor they dont respond to any emails.I want those late/missed payments removed immediately.
Product: Money transfer, virtual currency, or money service

Paypal close my account for no reason, i have been trying to withdraw from my account for weeks and i couldn't, i file series of compliant with questions and answers it still was not fix, until XXXX XXXX, they close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company 10 times now about the reports they are furnishing. There have information that is not mine. I have sent in a photocopy of a valid drivers license, Social Security Card or A copy of a utility bill with your current and a copy of my Identity theft report. 
mailing address. They have yet to delete my report with them. They are reporting this information which has cause me not to get approved for years for housing.
Product: Debt collection

XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested copy of credit report from XXXX XXXX. They gave runaround and refused to give a copy of the report. They sent the report with password protection but never gave the information on how to access it. This was 3 to 4 months ago. I still have not received a copy of my report
Product: Credit card or prepaid card

Without waring or reason, my card was closed last year by Elan Financial Services. I now need copies of my 2020 statements for tax purposes, and can not access them online. I would like the statements to be electronically delivered to me. If not, they can be mailed to my current address.
Product: Mortgage

Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting
Product: Debt collection

My credit/XXXX with XXXX is always lower than other bureaus. My Identity was stolen by them twice and in order to " boost '' my credit scores they want us to list all accounts/bills we pay w bank account passwords and direct connection to be accessed by them. I think it is ludicrous. It is not safe to have any info with them. I hate that company. 
1- My credit score suffers bc they have derogatory info about late payments to XXXX XXXX from 6 years ago that was caused by having 2 different cards and getting mixed up about the 2 accounts. One was paperless billing the other was not. I wrote XXXX and XXXX to no resolve. They did NOTHING. 
2- MRSBPO - also late payments because I had a dispute with XXXX XXXX. I paid thru XXXX at the time but was directed to that page and did not know what XXXX  was. I NEVER had the resume service I paid for because it was exactly when COVID happened in late XXXX early XXXX  I was NOT about to return to work as an XXXX. I am a widow with XXXX kids. I requested to cancel the resume service from XXXX XXXX who claimed they had no connection to XXXXXXXX XXXX i guess paid them {$180.00}. As I tried to explain to them I did not get the service and wanted to cancel XXXX  sent me to collections with MRS BPO.

3-I finally paid MRS BPO because it was useless to recover my money and my credit has been kept lower because of this COLLECTION agency but now they are attempting to collect it again and it is reflecting on my credit. I need to apply for a mortgage and need my scores to be reassessed. I NEVER missed or was late on my house mortgage for 17 years. I think it is wrong to have these companies ruin the lives of consumers and hold us hostages when their service is mediocre at best. I can provide any records/communication you desire.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX XXXX & XXXX XXXX, ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Subject : Formal Dispute of Debt with Portfolio Recovery Associates , LLC To Whom It May Concern, I am writing to formally dispute the debt that Portfolio Recovery Associates , LLC ( PRA ) is attempting to collect from me. PRA claims that I owe a debt that they allegedly purchased from XXXX XXXX XXXX, but I have no contractual agreement or business relationship with PRA. Furthermore, I dispute this debt as fraudulent because I never opened or authorized such an account.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting full validation of this debt, including but not limited to : 1. A copy of the original signed agreement between myself and XXXX XXXX XXXX  proving I legally incurred this debt.

2. A detailed payment history from XXXX XXXX XXXX  showing how this alleged debt was calculated.

3. Proof that Portfolio Recovery Associates , LLC has the legal right to collect this debt.

4. Documentation that verifies the legitimacy of the debt, including any agreements that show I agreed to its transfer.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), I demand that this account be removed from my credit report unless Portfolio Recovery Associates can provide legally sufficient proof that I am responsible for this debt. Reporting inaccurate or unverified information to credit bureaus is a violation of federal law. 

I have already disputed this debt, and if PRA continues to report it or attempt collection without proper validation, I will explore legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and State Attorney Generals Office for unfair and deceptive collection practices.

If Portfolio Recovery Associates can not provide legitimate proof that I owe this debt, I demand that they : Cease all collection activity immediately. 
Remove any negative reporting related to this debt from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Please respond to this dispute in writing within 30 days of receipt, as required by law. Failure to provide sufficient documentation will confirm that the debt is invalid, and any further attempts to collect will be considered a violation of my rights. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to formally address a breach of the promissory note governing my federal student loans. I have been in active loan repayment since XX/XX/year>, and have made 147 consecutive, on-time payments. According to the terms outlined in the promissory note, my loans were to be discharged after 120 consecutive, on-time payments. Despite fulfilling these conditions, my loans remain undischarged. I have contacted my loan servicer, Netnet, who has directed me to StudentAid.gov. Conversely, representatives at StudentAid.gov have instructed me to reach out to the loan servicer, resulting in a continuous cycle of deflection and inaction. This lack of resolution constitutes a clear breach of the terms of the promissory note. I have demanded that StudentAid.gov immediately certify my compliance with the 120-payment requirement and notify my loan servicer to execute the discharge of my loans without further delay. I submitted a complaint to StudentAid.gov and their response was to contact my loan servicer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX - TXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments on 5 student loan accounts ( XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Experian, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Experian should be aware that the United States of America and the Consumer Financial Protection Bureau has sued Navient for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.
Product: Payday loan, title loan, or personal loan

I owe Wells Fargo around {$10000.00} on a personal line of credit. the loan is 150 days past due. I am XXXX years old, XXXX and on a fixed income and can not pay the payments. I recently had a family member mention that they could possibly give me a small loan to settle the account if I could reach a reasonable settlement amount. I talked to Wells Fargo collections on XX/XX/2018. I asked to discuss a settlement for the account. As always when I talk to them they wanted a payment of over {$1000.00} and to set up a long term payment plan and said that they would not settle for any agreed pay off and she transfered my call to something that I think she called a hardship department. Another rep started talking to me and it was the same conversation about me paying a smaller amount than the {$1000.00} ( no specific amount ) and a long term payment plan. I told this rep that I need to discuss a settlement to fully close the account. He also told me that they they do not settle. He asked if I could get money to settle then why could I not pay their payment. I told him that if I borrow the money to pay him and the payment plan that I would have to deal with paying 2 loans. If I pay the Wells Fargo loan off then I would have one payment. He also indicated that I could be hiding income sources from him. It appears that Wells Fargo is taking advantage of people by forcing them to take a product that they don't want by not giving a choice.
Product: Mortgage

Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX We called in again today to get a status on the HUD approval for closing. We were informed that even though we submitted documents on Tuesday XXXX/XXXX/XXXX nothing has been done on the file for the last week and has not even been submitted for closing approval. 

I was transferred to XXXX XXXX in the Escalations Department. She said she could not do anything except make sure that the closer communicated to us. She denied any knowledge of TRID. She denied any knowledge of the CFPB. She did not care that the Chase-required 72 hours for closing approval has long since passed. 

It is obvious at this point that Chase is so understaffed they are not even able to perform basic supervisory functions and train their staff appropriately. 

She then went on to question why we would schedule a date for closing when we didnt have HUD approval yet. It is obvious from this question she has no training on closing procedures for real estate transactions. 

Isnt there anyone that can do anything about the egregious lack of training and supervision at Chase?
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Transunion is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.
Product: Debt collection

This company is claiming to be collecting a debt for XXXX XXXX XXXX, once I spoke to an agent and requested a verification of the debt with my physical signatures and proof the debt was in fact my responsibility I was told I had to call XXXX for that, I then requested proof and written verification of ownership of the debt and a contract that this company had to collect on the debt they claimed was owed, again I was told they did not own the debt and that they were only collecting on behalf of XXXX. 

As of XX/XX/23 this company was only capable of sending a last bill that was processed by XXXX per the FCRA they have failed to provide the requested information to validate the amount claimed to be owed and there for have been reporting inaccurate information to the 3 credit bureau 's and damaging my credit.