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

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting XXXX percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically XXXX and Experian have not removed the in accurate accounts off my credit report. XXXX specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I've contacted all XXXX Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
XXXX. This account was deleted from my profile. I was not notified within XXXX business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( XXXX ) A. 
XXXX. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a. 
XXXX. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( XXXX ) B This account has multiple violations and if not resolved I will be seeking litigation
Product: Debt collection

paypal europe s a r l et s c a Sent a 1099-c about a debt that does not belong to me, I have no idea where this is coming from I believe my social has been stolen from this company, I have had no contact with or from them prior to today XX/XX/XXXX. Its out of XXXX XXXX Ive tried to look into it with no results. It says its from pay pal in the amount of XXXX I do not use pay pal, I do not use pay pal out of XXXX XXXX Creditors XXXX  XXXX Account number XXXX XX/XX/XXXX. It has last four of my social, but I havent borrowed money or used pay pal to borrow money I looked it up online a lot of people are saying pay pal wont help with this and they had a breach last year and no ones gotten any where with this Contact number XXXX XXXX XXXX No one picked up Im very confused and concerned someone is using my social
Product: Credit reporting

Last 2009 when I was stationed in Georgia for the XXXX XXXX I bought a Nissan frontier through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the XXXX, TransUnion and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The bankruptcy is not showing in dispute nor is it removed from my report. The bankruptcy always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud bankruptcy affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the bankruptcy to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Mortgage

Loan Number XXXX Mortgage application complaint for discrimination based off my receiving Social Security benefits. 

On XX/XX/XXXX, I sent my Loan Officer XXXX XXXX proof of my Social Security benefits in which he acknowledged by email that he received. Then I was contacted again today by a member of his team for a 3 year statement of continued Social Security benefits which clearly violates the CFPB Final Bulletin 2014-03, page 3 regarding Social Security XXXX Income. 

Please see the attached email request # 4 as it pertains to my Social Security benefits. Do please give me a call and provide me a written response as to why Im being discriminated against as I really need your help in this matter because its causing me tremendous emotional distress and discouragement. 

Below is the condition from Flagstars underwriter ; 4. Provide { acceptable documentation } to document Social Security income in the amount of $ { XXXX & XXXX } for { Borrower }. { *** Document SS income will continue for at least 3 years } Thank you for your time,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by XXXX XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within XXXX  days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion reported my XXXX credit increase of my account to XXXX dollars. Then on XX/XX/XXXX, they randomly lowered it back down to XXXX. The current reported balance is XXXX. 

I called and TransUnion claimed the bank reported it. Banks do not report changed twice a month. XXXX confirmed they reported XXXX. TransUnion is randomly making changes on credit reports without permission from consumers or creditors. Reporting inaccurate information is damaging to consumers and I want this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Resulting from the identity theft that should be blocked, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely,
Product: Student loan

I have been trying for several months to get Nelnet to provide information on the number and amount of payments to my prior servicer ( XXXX ) as they have not been provided to me. I have at this point emailed them twice in XXXX, once in XXXX and again in XXXX and received no reply beyond canned responses saying their answering of emails is delayed and beyond that I have received no information. Several of my requests were made through their online form.
Product: Credit card or prepaid card

I was falling behind in my bills due to the pandamic. In an effort to rebuild my credit I opted for a debit consolidation instead of filing for banckruptcy. The program I was is called XXXX XXXX XXXX. The name changed during the process of my consolidation from XXXX XXXX XXXX. After considering how the program worked, my husband and I felt it would be a good choice. We were required to submit all of our debt and they worked out a monthly amount we were to pay to them. Once there was enough money to cover a debit, the would call to make an offer to settle the account. Since we had made the monthly payments on time for six months, they offer us a program where we could apply for a loan to pay off the creditors faster. We agreed. One of the creditors was Best Buy monitored by Citi Bank. They wer unwilling to accept any commuitcations with the debt consolidation company. I contacted BestBuy ' billing department and ask for an amount that would settle the account. The account at that time was about {$3000.00}. They were uncooperative and unwilling to be reasonable with an agreeement. Finally I had no choice as I was needed to settle to get the loan amoun to we agreed on {$2200.00}. The debit consolication company sent the payment on XX/XX/2022 and we paid the company a fee of {$290.00} to settle. The debit consolidation company said it takes about 60 days to see the change in the credit rating. We waited until XXXX and there was no change there was reflected a balance due. Put in a complaint with the Best Buy and the debit relief company. Best Buy/Citi Bank stated they never made an agreement. The phone calls are recorded so we asked them to list to the call. They claim they. If they checked the payment history on the could it would show minimum payments and then this odd amount paid. I sent a complaint to XXXX who monitors my credit to put in a complaint as well. Now my account reads 120 days past due. This has been an ongoing nighmare. I did everything that was asked to settle this account and not only is there a balance still due but my credit is being adversly affected. I believe Best Buy/Citi Bank was not truthful in there attempts to help rectify this problem. We tried reachin out to upper management for help with this problem but was uanble to get any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.
Product: Credit reporting or other personal consumer reports

I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between Experian, XXXX, and XXXX. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to reflect accurate and consistent data.

2. XXXX XXXXXXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.
Product: Credit card or prepaid card

Around XXXX XXXX we started with not being to use our emails. Then we got charges on our Chase account that were not ours. Then we lost telephone service and internet service. When I spoke with XXXX, they said we were hacked. they gave us a phone # off the person who hacked our account. They said this person changed our passwords. XXXX XXXX XXXX. I dont know this number. We just got a bill from XXXX for XXXX plus dollars. on a XXXX card. We dont have a credit card from costco XXXX We have numerous password lost. If there is more info I cant remember right now.
Product: Mortgage

We found this house in 1996 for XXXX got switched to Nationstar and had to start paying our own insurance which they said they would do. We refinanced once because they told us it was in our best interest. Which we did but lost all the paper work in hurricane XXXX have tried many times to refi with the rates so low. Going thru bankrup got a bill for XXXX plus they are now saying we owe XXXX plus the XXXX on a XXXX year old loan for XXXX something somewhere is very wrong. Any advice or help would help us out the pressure and XXXX is horrible.
Product: Checking or savings account

We decided to have access to our tax return early as adverted by CreditKarma through XXXX. Once the refund from the government were available, we were unable to access the said funds through wire, XXXX or any of the advertised means. Additionally, the website claims that up to {$5000.00} is able for transfer at any given time, however when attempting to complete the transfer, the daily limit is {$1000.00}, less than 10 % of the total available funds. When contacted customer service, they were unwilling to assist with the issue, and no resolution was completed.
Product: Money transfer, virtual currency, or money service

A man called from the bank of america number on XX/XX/ at XXXX. He told me he was with the fraud department and was confirming a transfer through XXXX. I told him no I was not transferring money. He told me he would walk me through the steps to dispute the transaction. He asked me to log into my account and see if the money came out yet. I told him no. He said good and we would file a dispute. I asked shouldn't I wait to see if it even comes out since I'm telling him you now that I'm not authorizing it? He told me it was pending on his end so it would go through if we didnt file a claim. He has me add myself as a recipient and send 2 amounts. 1 for {$3100.00} and one for {$340.00} to the " case number '' that he assigned. XXXX He sais the case number is attached to the amounts and it would flag if it tried to go through. The money was immediately gone from my account. He said that in 24hrs it would be back and that he would call me to help me change my name and password. He said he locked my online account and that I had to wait 24hrs to use it. I hung up and felt odd about it so I called the bank. I asked if this is the right process and they said no its a scam and filed a real fraud claim .They said I might not get my money back cause it was " authorized '' by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Experian after I purchased a credit report with XXXX on XXXX After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XXXX I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the   XXXX   XXXX   account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, {$5000.00} was sent to the wrong person in XXXX of 2016 Zelle wouldnt refund me and end up closing my account. 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 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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

In XXXX  I took out a loan for a car with Santander USA. At the time I didn't know that they were a bad company and were in the process of being sued by multiple states. At the same time that all this happened covid happened. They helped me a little bit, but not very much and in a time where the nation was in distress kept putting incorrect markings on my credit report even though I was making the monthly payments. They would take the payment and only apply it to the interest and nothing more. We contacted the company multiple times about their incorrect reporting not showing that I'd made of payment which was driving my credit score down immensely. We finally got fed up last year and paid them {$20000.00} to pay off the loan even though my loan for the car was {$17000.00}. Between the many months of payments I made and the {$20000.00}, this company got far far above the amount the car was. We won't even go into the fact that 2 months that my payments were weird was because I was sold a car that had multiple problems and ended up costing me thousands of dollars the first week that I purchased the car. Now it's sitting as an adverse account on my credit showing that I didn't even give them {$20000.00}, it's not showing the account as closed and it's not even showing I made any payments whatsoever.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX UNI Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks