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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX XXXX - Date Opened XX/XX/year>
Product: Debt collection

XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX, XXXX. 

I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act. 

The first account is from XXXX XXXX / XXXX and the amount XXXX started reporting was for {$1300.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The second account is from XXXX and was an XXXX XXXX card and the amount XXXX started reporting was for {$880.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by XXXX XXXX accurate, they told me that they do not have access to my files anymore since they sold it to XXXX XXXX This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector? 

XXXX told me that I have to contact XXXX directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX! 

I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX  to investigate the issue at hand with XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a copy of my FTC Identity Theft Affidavit to all XXXX major bureaus, TransUnion, XXXX, and XXXX, and an IRS Identity Theft Affidavit dated XX/XX/XXXX. I also submitted an amended FTC Identity Theft Affidavit to TransUnion and XXXX XXXX dated XX/XX/XXXX and again on XX/XX/XXXX. I have had to submit these affidavits continuously because the accounts listed on my credit reports continue to be added back erroneously and unlawfully. XXXXXXXX XXXX removed the erroneous report of an eviction on XX/XX/XXXX and sent me the corrected report. There is now another eviction previously removed by TransUnion from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX re-reporting by them per TransUnion Rental Screening. This address was in my initial ID Theft Affidavit from XXXX. I have asked them to remove this item immediately as it should have been deleted, blocked, and removed years ago. There is also a report from TransUnion and XXXX from XXXX XXXX for {$1100.00} and {$440.00}, XXXX XXXX XXXX {$4900.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$1100.00}, XXXX {$210.00} and XXXX {$3400.00}. This is damaging my credit rating and keeping me from obtaining my place of residence and other credit. TransUnion asked me to re-submit the same documents they already have on file, which they acknowledge receipt of and are saying it could take up to XXXX days. This is a blatant disregard of the FCRA law 605b and I need these items removed immediately and permanently.
Product: Payday loan, title loan, personal loan, or advance loan

Unauthorized Credit Inquiry by XXXX XXXX XXXX OppLoans  I am writing to file a complaint regarding an unauthorized credit inquiry conducted by XXXX XXXX XXXX OppLoans XXXX Despite explicitly instructing OppLoans not to proceed with my loan application or conduct any credit checks, they ran my credit report without my consent. This unauthorized inquiry has negatively impacted my XXXX XXXX and violated my privacy. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, hold the responsible parties accountable, and ensure that appropriate corrective actions are taken to prevent similar occurrences in the future.
Product: Debt collection

I reached out to the company pertaining to alleged debt owed due Identity theft spoke to a person by the name of XXXX XXXX they sent me a document too fill out an affidavit which i sent in and also had gotten notarized but once i did i was never given a response to this information.
Product: Student loan

I applied to re-certify my income for my income driven repayment plan ( XXXX XXXX ) on XX/XX/2024. I received a notification from Mohela that there was a delay processing my application on XX/XX/2024. On XX/XX/2024 my application was canceled without my consent and without explanation. As a result I am in danger of my monthly payment increasing to {$3000.00} from {$0.00} ( and instead of {$8.00} per month if my application were appropriately processed )
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 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 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXXXXXX please remove or delete any other spelling of my name it is name correct. 
I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  OH, XXXX, XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with I.R.S. Employer Identification Number XXXX and XXXX and Equifax are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX pursuit of happiness. XXXX, XXXX and Equifax are reporting that XXXX account XXXX XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Product: Mortgage

I have minimum balance on XX/XX/XXXX and paid Shortage on that time.I Missing Money Base on Statements and project Escrow Account Activity from XX/XX/XXXX to XXXX XXXX Missing Money from my Escrow Balance
Product: Debt collection

I attended a timeshare presentation several years ago but did not make any purchase or commitment. 
Meridian Financial is now trying to collect from me for XXXX XXXX, but I never made a purchase, or signed a contract, or paid them any initial payment. 
I demanded that Meridian send me some sort of proof that I signed an agreement but they ignored my demand. 
Meridian has placed this fraudulent collection on my credit report at all 3 credit bureaus, which is damaging my credit score and causing me financial damages by inhibiting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I would like to file a complaint about my student loans accounts. The credit bureaus make it so hard to check your score if you can't. I was in school until early XXXX and was never given my diploma nor did I receive work. 

I have not worked since XX/XX/XXXX because of a couple XXXX I've been suffering from since XXXX. I am trying to get my student loan account current and even though it is now in forbearance, I feel the late fees that occurred ever since I finished school with XXXX university in early XXXX, are seriously hurting my credit score and are preventing me from going forward. It was brought to my attention recently that my credit account claims that I am responsible for 241 late  payments which is impossible as I believe I was current as of early XXXX.
Product: Debt collection

I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Madam or Sir : I am writing to express my objection regarding my XXXX XXXX XXXX Account XXXX which shows negative marks ( late payments ) on my Transunion as well as XXXX credit reports. This account is Paid In Full and in Closed status, and yet, XXXX XXXX with no apparent motive other than punitive motivation, continues to report late payments to these credit agencies. I have in the past written XXXX XXXX to politely ask for a courtesy adjustment and I keep being rebuffed. It is perplexing to me why XXXX XXXX should continue to engage in such punitive measures when in fact my account is Paid in Full and in Closed status. This is certainly not good business practice to punish consumers over past alleged late payments ( where such alleged late payments are from more than two years ago ) in their credit reporting practices when indeed I owe nothing currently to XXXX XXXX and in fact paid off my account in full to XXXX XXXX nearly two years before the loan maturity date. It is the failure of XXXX XXXX to act in good faith on this issue that compels me to write to the Consumer Financial Protection Bureau to put forward my objections regarding the inexplicable and punitive actions taken by XXXX XXXX. 

It is my contention that due to the fact that my account was Paid In Full and Closed well *before* the loan maturity date, that I have presented myself as a responsible consumer through my actions, and therefore I am entitled to injunctive relief from XXXX in the form of their deleting their reporting from the Transunion and XXXX agencies. Otherwise, I think XXXX owes both myself and the Consumer Financial Protection Bureau a written explanation for their unfathomable and vindictive business proceedings in refusing to either remove ( alleged ) late payments from more than two years ago from my Transunion and XXXX reports or to delete my XXXX account from my Transunion and XXXX reports entirely. 

XXXX XXXX XXXX contact information is : XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX XXXX, GA XXXX I look forward to discovering how XXXX will resolve this matter, which, again, I have tried and failed to get them to resolve in the past. 

Sincerely Yours, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collections account opened aXXXX XXXX XXXX XXXX on XXXX, XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX with a balance of $ ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is an old cellphone bill from t mobile. They sent it to a collection agency before I could pay it. Instead of contact time they sent the information to my mother in regards to the debt by email and she forwarded the email to me. This company then goes on to create duplicate entries on my credit report for the same debt to make it look like I owe multiple companies.
Product: Mortgage

From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.
Product: Debt collection

the debt is not mine it was a result of fraud i can guarantee the personal information ie social name and birth date does not match mine and now a debt collection agency is attempting to collect I HAVE SENT THIS COMPANY A CEASE AND DESIST THIS COMPANY HAS REFUSED TO ADHERE TO THE FEDERAL GUIDELINES BY IGNORING MY REQUEST IN MY ATTEMPTS TO RESOLVE THIS MATTER. THE COMPANY HAS ALSO BEEN FOUND IMPOSE AS A COLLECTION AGENCY WHEN IT IS LISTED THAT THE COMPANY IS NOT LEGALLY BINDED AND OR INSURED TO COLLECT IN THE STATE OF NV. PLEASE HAVE THE COMPANY CEASE ALL COLLECTION ACTIVITIES.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via Zelle to my phone number XXXX. I got a text message to that number saying that the funds will be available soon. However I do not have a Zelle account. My wife has a Zelle account through XXXX XXXX XXXX XXXX I tried to set up an account through Zelle but each customer service associate that I have spoken to has directed me to XXXX saying that my phone number is associated with a XXXX account. My money is now in limbo. Zelle refuses to help me and XXXX is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that Zelle nor XXXX is able to assist or even understand my situation. They both keep blaming each other. I have never had a Zelle account, I just recently began trying to use Zelle. And I have never had a bank account or a XXXX account. The only thing I need to happen is for my phone number XXXX to be deleted completely from Zelle and XXXX. I also find it frustrating that there is no one else to turn to when it comes to dealing with Zelle. Horrible rude customer service. I feel bad for any elderly people who have to deal with zelle with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report. I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : 1 ) No dispute
indicator listed on the TransUnion report. Violation of section 611 of the FCRA.

2 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 3 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

4 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

5 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

6 ) The payment history reported is incomplete.
Product: Checking or savings account

On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for  approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. 

The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements.

I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any  longer. 

I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - XXXX has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. Experian is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.