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

I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 illeged identity theft, not later than 4 buisness days aftter the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit card or prepaid card

When I applied for credit using my social security number, this company approved me for XXXX. I have not been late on my account and this company lowered my credit limit to XXXX. I was not provided with an adverse letter or any documentation of this taking place on my account. I feel that I was discriminated against as a consumer. Considering that it my social security was used in opening this account, which created a trust relationship, I am to be granted the limit that was giving to me when my social security account was accessed.
Product: Money transfer, virtual currency, or money service

I am writing it normally express my concerns regarding Zelles handling of disputes, particularly in light of 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but as 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 or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

XXXX5 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. CAPITAL ONE # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am reaching out to get this issue resolved because i cant get it resolved with XXXX, XXXX, and Equifax.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all XXXX credit bureaus in XXXX! with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian via internet and phone multiple times to open a dispute about my identity theft and unless i'm willing to buy there protection services i get put on hold and hung up on. today alone i spent over 2 hours on the phone and after trying multiple numbers XXXX  from the internet and following every step. the result is the same. I get hung up on. My Lift is being altered by the information they are getting paid to keep track of that is inaccurate and i cant even get them on the phone to talk to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to fix inaccurate personal information in my credit file after multiple complaints with the CFPB. I notified the CFPB that Equifax had been publishing the name variation of XXXX XXXX XXXX on my credit file, which was causing several of my accounts to disappear from my credit. I have previously informed Equifax that my former name was XXXX XXXX XXXX and my new name was XXXX XXXX, they have sought to destroy my credit history so that they can increase their profits by selling this misinformation to financial institutions and insurance. I know that Credit Bureau receive more money for negative credit files than they do for good credit profiles, given that the financial institution or insurance company can charge more interest. This practice financially incentivizes the Credit Bureau to not fix negative information that might be on the consumer 's profile, this is what appears to be happening here with Equifax. Whereas Equifax is committing fraud against me at this moment in order to profit off of false information they are distributing to XXXX XXXX XXXX XXXX ( XXXX ). According to a credit report received from all three credit bureaus today, Equifax has listed my name as XXXX XXXX XXXX with no former names or also known as names which is incorrect. A few days ago I received a letter from Equifax which was addressed to XXXX XXXX XXXX for the same credit file, this is XXXX XXXX evidence of Credit Bureau fraud. I have recently been denied a place to live with the property management company citing that my credit history wasn't old enough. I have a right to verification of information being reported, and Equifax has yet to send me any information regarding this fraudulent name variation of XXXX XXXX XXXX - or the contact information of the individual ( s ) or organization ( s ) having them publish it.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

To XXXX XXXX & First Credit Services : During this pandemic in which I have been out of a job, I can't believe that I am actually being charged fraudulently by a company that made cancelling their membership confusing and complicated ( which I can find other members to agree with me ). This complaint is regarding account # XXXX, which you claim you're collecting a past due obligation of {$540.00}. This is a formal notice that your claim is disputed. It was a hassle to even understand XXXX XXXX  pricing because nothing is made available online or printed in person to review, which was always scammy to me but now it makes sense. Fraudulent debt collecting is how you make your real money and you wont be getting over on me. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX reviews, XXXX  reviews, an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

My loan was originally with Great Lakes. I have been paying on my loans since the mid XXXX. I borrowed around XXXX. My loan was up as high as XXXX for many years. I had paid it down to close to XXXX or so by paying more than the amount required. Suddenly, my loan was sold to Nelnet. The terms changed, and my loan though I am paying more per month, one of my loans is actually going up. I am not significantly impacting principal, but based upon the document they just sent for interest paid for 2020 ( approx 1,400 ) I am not impacting interest either. They are applying my money to future payments, while claiming to charge daily interest. Furthermore, they told me my loans were not eligible for the cares act interest freeze. During the time I have been paying this loan, I was an XXXX XXXX for five years, I served in the United States XXXX in XXXX, I served as a XXXX XXXX for 8 years, and XXXX XXXX for 8 years. I suffer from XXXX and other service connected injuries I sustained as a result of my service. I also suffer from a XXXX. I am currently 90 % service connected, but to get to this point I spiraled down unknowing, but I have never missed a payment. I have more than paid this loan back. I have paid my home loan down faster. This loan boarders on predatory. This is really unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions. 

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Complaint Number : XXXX I received a response to this complaint back on XX/XX/21, since then I have contacted the individual who responded 5 times and have received no contact back after several voicemails to her and one of her colleagues. 

I am extremely displeased with this level of customer service especially during a time that I am trying to complete/close/pay this company for a charge off account. This person ( XXXX XXXX ) tells me I am responsible for the incurred debt and says I can make payments for the debt, yet I can not get anyone from this department to call me back. 

This is ridiculous. I am very upset about this situation and would like it to be resolved as quickly as possible!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Student loan

In XX/XX/2022 I received XXXX notices of loan forgiveness, however, I dispute the calculation of payments that qualify for a refund. After multiple calls with my loan servicer ( Fed Loan Servicing ) from XXXX to XXXX that did not resolve the issue, I filed XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX site on XX/XX/XXXX. To date I have not received as status update, nor can I determine where I can find out the status. A copy of my Reconsideration Request is attached.

On July 21st, I spent more than 3 hours on the phone with Fed Loan Servicing, XXXX, and Federal Student Aid trying to determine who has my information. Fed Loan Servicing said I need to call Federal Student Aid ; XXXX doesn't even have me in their system and told me to call Federal Student Aid ; and representatives in the XXXX XXXX XXXX  Forgiveness and Discharge department told me the loan servicers are handling reconsideration requests. I note that XXXX hosts the reconsideration form on its site and sent the confirmation email I received immediately after I filed the request, so I expect XXXX to know what is going on with my request. 

On XX/XX/XXXX, I submitted a formal complaint on the XXXX website. On XX/XX/XXXX, I received an email that did not acknowledge my specific concern but provided information I ALREADY HAD AND USED for Fed Loan Servicing and XXXX and stated my case was closed. 

On XX/XX/XXXX, I filed a complaint with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) Office of Consumer Advocacy using my Fed Loan Servicing access. As you will see in the attached email correspondence, they continue to evade my question about the Reconsideration Request and provide me information as if they have not read my complaints.

I am EXTREMELY FRUSTRATED to learn NO ONE seems to know who is handling PSLF Reconsideration Requests and even more worried that no one is reviewing what is filed. Furthermore, I believe I am still owed {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
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 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 tracking these transactions was unfeasible. The CFPB 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

Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.
Product: Checking or savings account

XXXX  An unauthorized charge was made using my debit card for the amount of XXXX. 
I have called chase bank 3 times regarding this fraudulent charge & they continue to deny my claim when this was not me. I have no knowledge to this amount that was charged to my account.
Product: Debt collection

Portfolio Recovery : calls me several times every day from different numbers and it just doesn't stop. I owe them nothing and told them to stop calling me and it still keeps coming.
Product: Credit card or prepaid card

Credit limit was decreased by half from {$600.00} to {$300.00} due to credit score decrease. XXXX XXXX account has never been in default for non payment. 
I received a letter from Comenity Bank today stating the reason for the decrease, of course, which was my credit score. I feel discriminated against because of this issue. 

Again I don't feel my credit score should have anything to do with a credit decrease on my account. 

I asked the XXXX XXXX representative on the phone would my credit limit go up if my credit score increased. 

I feel this matter is truly unjustified and would appreciate a better resolution. 

Very truly, XXXX XXXX