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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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: Credit reporting or other personal consumer reports

Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.
Product: Credit reporting

I recently discovered that someone has my social security number and has accessed my credit report. Her name is XXXX XXXX and she accessed my credit report sometime last fall.
Product: Debt collection

HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from XXXX XXXX and it is XXXX XXXX XXXX  XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having covid this issue needs to be resolved I can not walk and uses oxygen and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.
Product: Vehicle loan or lease

On XX/XX/2020 I tried to pay off my auto loan both online and over the phone. Chrysler Capital advised me in both channels that the only way to pay off my loan was to mail them a check. I am not comfortable sending such a large check via mail. I believe they are requiring checks via mail to discourage consumers from paying off their loans early. Surely in XX/XX/2020 sending large checks via the USPS is not the most secure means of transmitting payments, nor is it in the best interests of consumers.
Product: Debt collection

In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
Product: Checking or savings account

My deposits and withdrawals were frozen and and put on hold for a very long time and still havent received any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint mortgage became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for XXXX XXXX XXXX and XXXX. XXXX shows 180 days late, XXXX XXXX shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. Shell point mortgage was not the loan servicer for frame reported and is incorrectly reported on my account. Shellpoint mortgage is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for XXXX only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to Shellpoint mortgage purchasing my mortgage loan removed from my credit report.
Product: Mortgage

I filed an insurance claim in XXXX. I received the claim check in XXXX. I endorsed the check from XXXX XXXX and sent it to XXXX XXXX. In that time XXXX XXXX sold my loan to Chase Lending. I sent in the endorsed check XX/XX/XXXX. The loan transferred XXXX. I specifically asked if it would be an issue to receive the check back from them since they were selling the loan. They said no. After XXXX business days passed after XXXX XXXX  received my check I called to check on the status of the check because we needed to replace the roof from hail damage. XXXX indicated that they now have nothing to do with me since Chase took over the loan. I called Chase Lending. They told me it was XXXX XXXX 's problem. Caught in the middle I made many phone calls night after night trying to get to the bottom of the situation. After weeks of phone calls Chase and XXXX XXXX  got on the phone together with me. XXXX told Chase that the check was sent to them the week before. Then a week later, after it had not yet been received I called both of them back again. Finally XXXX XXXX  provided a wire transfer number that occurred XX/XX/XXXX. I gave this information to Chase. Chase researched this and told me they had no such record of the transfer. Here we are XX/XX/XXXX and I still have no resolution. The roofer installed the roof and completed the work XX/XX/XXXX. He is requesting payment and I still have no check back from either of the mortgage companies. Everytime I call I get the same answer, that they are working on it. I do not know what to do. I feel like they essentially stole the money and are refusing to accept responsibility for the misplacement or loss. Please help me. It is a lot of money and I can not continue my insurance claim until the check is received and the home requires more repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX I received an email about a hard inquiry on my Equifax credit report. I contacted Equifax to file a fraudulent dispute. My dispute was denied, and I was told I had to contact the company who check my credit, the was XXXX XXXX. Someone had used my social security number and applied for an online catalog with XXXX XXXX. On Monday XX/XX/2022 I contacted XXXX XXXX XXXX department and spoke with a fraud Rep and explained what happened. The rep asked for my personal information and found that someone other than myself had tried to open an online account using my social security number. The rep apologized and said, she/he would forward the information to Equifax, and it should be removed from my credit report within 5-7 business days. This has caused a negative impact on my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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

I'm receiving calls and texts of someone pretending to be Credence Resource Management, LLCC claiming they are collecting money for XXXX XXXX. They are using the number XXXX and other random numbers. The Credence numbers don't match their webpage, https : //credencerm.com/contact-us They have a pay and rights link that looks like the real Credence. https : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I notified Equifax. please see attached identity theft report a copy of my social security card and driver license.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a personal line of credit with this company approximately two years ago. Was approved and used the service without issue until XXXX of XXXX when I received an email stating : " Dear XXXX, Were so sorry to let you know that due to circumstances beyond our control we will no longer be able to make new credit card payments from your XXXX line of credit, effective immediately. 

XXXX lines of credit are funded in many different ways. In order to help our members save money in interest charges, we borrow money in bulk so that we can pass these better rates directly to our members. Unfortunately, the investor that funded your account has informed XXXX they will no longer provide funding for any accounts, despite XXXX efforts to reach a different outcome. 

XXXX will continue to service and support your account, but there will be no future credit card payments made on your behalf. 

XXXX assured that this action is not a reflection of your standing or activity with us. We thank you for using our service and partnering with XXXX in your financial journey. '' Decided that since the company was no longer honoring its side of our deal, I would be better off paying off the loan in full and cutting ties. When the loan was taken out in XX/XX/XXXX, and again in XXXX, I was charged an exorbitant {$300.00} fee IN ADDITION to the interest charges. I do not recall this fee being disclosed prior to agreeing to the personal loan. Emailed the company for clarification regarding this fee and was informed it would again be charged in XX/XX/XXXX, even though the company is no longer offering the service it had agreed to provide. 

I offered to pay off the loan in full, multiple times, if this exorbitant fee is removed from my balance ( for XXXX and XXXX ). The company will not agree to this offer. According to my calculations, I have paid {$2700.00} in fees and interest, for a {$6000.00} personal line of credit ( that I can no longer draw from since XX/XX/XXXX ) in just XXXX short years. That's nearly 50 %. Even if the company removes the {$600.00} from my balance, and I pay off my account in full, that's still 30+ %. MORE than fair. 

To XXXX : I can assure you you will not get any more payments from me, willingly. You will have to ruin my credit and take me to court, which I will happily fight ( very publicly ), before I send another cent. Even if you somehow get a judgement against me, I will keep fighting it until it's vacated. Wouldn't it just be easier to take my payoff offer?!?
Product: Credit reporting or other personal consumer reports

The 3 major credit bureaus Transunion, Equifax and Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Transunion and Experian alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable resonses, and failing to adequatley notify consumers of dispute outcomes. These failures align with my experience, where the Credit bureaus has neither corrected nor removed disputed items despite the evidence I privided causing ongoing harm to my credit standing mix match dates etc. I am requesting immediate corrective action to remove or amend the disputed accounts, as The credit bureaus in action violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am typing to formally address my concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that has shed light on significant issues within the platform. Despite being a frequent Zelle user, I have encountered discrepancies that I reported to both my financial institution and Zelle. However, my claims were not thoroughly investigated, and I was informed that recovering lost funds and tracking these transactions was not feasible. 

The CFPBs findings reveal that Zelle has failed to adequately protect consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and security is deeply troubling and undermines trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely displeased that my dispute regarding multiple items on my report has been blatantly ignored. It is imperative that you fulfill your obligation under the FCRA and take immediate action on this matter. Failure to comply with the law will result in me exploring the option of taking legal action against your company. 
XXXX XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. 
XXXX XXXX Balance Owed : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX Balance Owed : {$460.00} - Your company 's incompetence is on full display with this charged-off account still showing a balance on the statement. I demand that you provide an explanation for this egregious error immediately. The balance is unequivocally inaccurate, and it is your responsibility to correct it by either setting it to XXXX or deleting the item altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX - Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

For over 24 months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner. 

Yet the CRA fail to provide information requested, failed to correct, and failed to delete and remove the disputed accounts. 
Please include me in your class action claim against this company ; See the numerous disputed submitted as proof. 

the disputed inaccurate accounts are ; 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: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report? 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was called on my cell phone by what was supposedly Wells Fargo fraud department. They told me that there has been a wire transfer of {$9800.00} from my account due to a scammer. I was told scammers use a technique where the wire transfer wont show up in my account. I was then asked to wire {$9800.00} to an account so they could assign me a new account number and prevent the apparent scammer wire transfer. During this phone call they sent me more than one advanced access code on the same text thread as Wells Fargo has used previously. They were able to see the name and amount of funds in each of my accounts. I ended up wiring {$9800.00} to the account given to me due to believing it was the fraud department with Wells Fargo. I then hung up the phone and called Wells Fargo customer service immediately and found out that the previous phone call was a scam. I reported it as fraud and they did their investigation and have decided they can not refund me my money. The fact that this person had access to my entire account and could use their text thread to message me access codes tells me Wells Fargo is not doing what is needed to protect their customers. I would like my {$9800.00} back into my account. Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Account # # # # # XXXX and 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 a account without my written instructions
Product: Credit card

XX/XX/XXXX letter from XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Decision about your credit card account application # Dear # # # # : We're writing to let you know we are unable to approve your credit card account application for the following reasons : * No non-authorized user bank cards reported ( We look at the mix of credit you have ) I complained to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX that this reason makes no sense and should be considered favorable I have no authorized nor unauthorized user bank cards. 
Additionally, reason is grammatically wrong and should be deleted. 
XXXX XXXX agreed it was a typo and could not explain error but refused to delete as a reason to deny XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

Hello Sir /Madam ( To whom it may concern ) I opened a checking account and a safe deposit box in Valley National Bank in around XX/XX/XXXX-XX/XX/XXXX which was closed XX/XX/XXXX-XX/XX/XXXX, And when I went to bank asking for the copy of the log book of access to safe deposit box, sales associate XXXX XXXX ( XXXX XXXXXXXXXXXX ) said they can not get it as its an old and closed account, as I know bank has to maintain the record for at least 5 years by law, and I need this information to provide it to court for some family dispute and its very important, is there any way CFPB can help me getting information for me. Thank you XXXX XXXX
Product: Credit card

In XX/XX/year>, I cancelled my Synchrony/Amazon bank credit card ending in XXXX. Synchrony/Amazon then XXXX charging another XXXX of my cards that they have on file for XXXX XXXX XXXX XXXX times a month. So, since XXXX I have been billed {$48.00} for a card membership that I cancelled in XXXX. 

When I contacted XXXX and then Synchrony, they both said there's nothing they can do, and they refused to refund me. XXXX would only cancel my membership going forward. 

Note that these unauthorized charges are on top of Synchrony bank continuing to charge me late fees on a card that I paid off and closed.
Product: Debt collection

The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt.

DNF Associates