23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I submitted XXXX # XXXX. I started receiving calls on my landline from Portfolio Recovery. They never left a message ; just kept calling. I indicated in this case I have no debt but my mortgage which I pay timely monthly. I requested you have them write me regarding the purpose of their calls. You sent my complaint to them. They responded they needed my account number or telephone number at which you received our calls. Since I have no debt, I have no account. If they want my telephone number, I gave it to you in my complaint. If they want their telephone numbers, I gave one number. Every time they call, they use a different number. A XXXX search of this firm says they have over XXXX different phone numbers. Latest Portfolio Recovery phone number they used today XXXX is XXXX. You have my name, address, home phone, which should be enough for them to write me about why they are calling. Since they are calling my landline, they must have some record in their computer that links my name and landline phone. Please require them to write me why they are calling. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX  since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with Equifax, XXXX, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

I wanted proof an documents did not received nothing on my request
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report should be updated and this account from XXXX must be removed from my credit report!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Update of Personal Information and Deletion of Incorrect Data Dear Sir/Madam, I am writing to request an update to my personal information on my credit report and to ask that any information that no longer matches my updated details be deleted. The information currently reported may be outdated or incorrect, and I want to ensure that my credit report accurately reflects my current personal details. 

Current Information on File ( as per my credit report ) : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Social Security Number ( last four digits ) : XXXX Updated Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please update my credit file to reflect the correct personal information. Additionally, I request that any outdated or incorrect information that does not match the updated details be removed from my credit report. If there are any discrepancies, I expect that they will be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional documentation or have questions, I am happy to provide further information. Please notify me of any actions taken and provide me with a copy of my updated credit report once the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Request for Removal of Inaccurate Address Information Dear XXXX, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

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

They're reporting this account as delinquent when they closed it back in XXXX without notifying me. 

I've had nothing but problems with this account. Reporting me last in the past when I wasn't and no one is willing to assist with this issue. It's hurting my credit.
Product: Debt collection

Wells Fargo has sent me in circles to a dozen different phone numbers and XXXX different departments while refusing to honor their XXXX XXXX on XXXX XXXX incident in my credit card. They refused to provide the audit for the XXXX XXXX  to analyze the difference between fraud, fees, & actual debt monies. 

They have moved my speech XXXX and my XXXX name XXXX. 

They have ruined my XXXX score Down below XXXX. 

They have refused to honor the cease and desist I sent them even though they said they would. 

Nobody in the advocacy dept or the executive dept/case managers are in touch with their senior leadership team and their board dose not oversee their liabilities escalation personnel. 

They have used aggressive tactics in an attempt to collect the debt and they have resorted to sending blank voicemails and they have offered my personal identity information on phone calls without me first verifying my identity. 

They are rude and have laughed at and talked over my XXXX  XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

all my legal / private information deleted.Nothing has been changed.
Product: Money transfer, virtual currency, or money service

This is my concern regarding Zelles procedures on how they handle disputes, particularly in the light of the recent CFPB lawsuit highlighting issues with the company. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claim adequately. They informed me that recovering my loss funds would be impossible and tracking them would be unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable.
Product: Credit card or prepaid card

I received an offer from American Express ( Amex Offers ) in XX/XX/XXXX which I was able to attach it to the 3 cards ( Primary card and 2 Authorized User cards ). Each offer term stated that you are entitled  to 10 % statement credit at XXXX till XX/XX/XXXX upto a maximum of {$100.00} total. These offers were attached individually to each card which is available under a separate login to each user. The purchases were made on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX. All 3 accounts also got the {$100.00} statement credits as promised on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as per the terms and conditions. However in XX/XX/XXXX two of the {$100.00} statement credits were reversed. 

I have called in 3 times since the time I noticed the reversal and each time was given an excuse that credits can only be awarded to the primary card member and not to the other authorized users even though the offers were individually attached to each card by their respective users. 

I can provide proof on hundreds of instances in the past where the credit has been awarded to all users individually and their terms and conditions were identical to the XXXX offer.
Product: Mortgage

Wells Fargo refuses to remove PMI. LTV is 68 %. At the onset of COVID-19, I was concerned that I would lose all employment, I am a XXXX. I spoke to a Wells Fargo Representative who assured me that going into a forbearance status for 60 days would have no negative effects on my loan, credit reporting, etc. I used this opportunity to ensure that my finances were secured so that I would not default on my payments. I received notification from Wells Fargo ( after the fact ) that accepting this forbearance could, not would, affect my ability to remove my PMI payments of {$170.00} per month.

I immediately paid and brought the account current in XX/XX/XXXX, in addition to making an additional {$45000.00} payment. I requested that my PMI be removed. I am now being told that they consider my forbearance period as late payments ( 2 ) and that they would not remove PMI and that there would be no exceptions to this decision. In addition, they added another year for PMI removal. Initially scheduled to be removed XX/XX/XXXX to XX/XX/XXXX. 

What recourse do I have to remove PMI?
Product: Vehicle loan or lease

On XX/XX/21 I started the paperwork of getting a loan for a XXXX XXXX. Because of proof of insurance and the down payment amount of XXXX I was denied the access to complete the application. Along with no being able the read my uploaded driving id. After I asked about operating under truth in lending he still told be I needed that cash transaction on a consumer credit transaction which is false.
Product: Debt collection

I disputed an alleged debt with Caine & Weiner. All of the consumer reporting agencies deleted this account from Caine & Weiner off of my consumer report. Caine & Weiner has since reinserted this unverified, inaccurate, alledged debt to XXXX again. This is a direct violation of the Fair Credit Reporting act. According to 15 USC 1681i ( B ) ( II ) a written notice must be given no later than 5 days after reinsertion. I never received any notice. Caine & Weiner also violated 15 USC 1681i ( B ) ( I ) which states that information cant be reinserted without the information being reported 100 % complete and accurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me m to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX ; Account number : XXXX
Product: Credit card or prepaid card

Fraud charge on XX/XX/XXXX in the amount of {$3900.00} to XXXX XXXX XXXX TX Notified credit card company on XX/XX/XXXX at the same time that the credit card company notified me of the suspicious charge. New credit card was issued. 

Credit card company dismissed fraud dispute after claiming they were unable to contact me with additional questions. After searching phone records and emails i was unable to find any contacts from the credit card company. 

Re-Initiated Fraud dispute on XX/XX/XXXX. I was informed that I should make a police report of the fraud and was referred to this website by law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX IN CO ) XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I'm still in forbearance but the interest kept increasing ( currently at XXXX XXXX  ). My loan servicer is MOHELA. 

I submitted my tax returns last XX/XX/XXXX and the IDR was meant to renew on XX/XX/XXXX. I needed to know how much my monthly payments are going to be but I haven't received anything from them yet. It still shows my monthly payment as {$0.00}. 

MOHELA customer service hadn't been helpful at all, tried to contact them before in regards to this but was literally on hold for 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered these fraudulent inquiries that I did not make on my XXXX, XXXX, and transunion credit reports including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

My PayPal account was hacked and I submitted a dispute for the charges with both PayPal and my banking institution. According to my bank and Paypal, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from XXXX XXXX XXXX XXXX stating I owe the same money that was returned to me. PayPal shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if PayPal says it's resolved on their end.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX in a total amount of {$9800.00} because I did not receive the service/merchandise of what I purchased from the merchant which was XXXX. Huntington Bank is saying researchers deem the transaction to be valid. I never said that there was fraudulent activity with my debit card I said I did not receive the service I paid for. The bank decided to close my account and deny the dispute when I sent multiple supporting documents of me not receiving what I paid for. I reported the issue after several attempts with the merchant to make things right. This was the first time I have had issue with the merchant after multiple transactions now I believe I have been scammed by XXXX who also uses another name to scam people XXXX its very confusing. Huntington Bank only did this because they did not want to actually investigate. The scammers charge the card with different processors that are foreign sometimes which Huntington bank should be able to see that the merchant uses the different processors with different descriptors every transaction. I have screenshots of the merchant XXXX telling me that they wont charge my card until they can send me what I purchased the card was charged before or at the exact time I received an email saying I would not be charged until they were able to send me my product. I have the times of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I received the email saying I would not be billed and my card has not been billed. I asked Huntington Bank to check the timestamps of when my card was billed which would show u clearly the email was a lie and that the merchant had already took the funds from my bank account. I was scammed but the bank does not care and didnt do an proper investigation because the bank decided to close my account. The two transactions are not valid as there were issues with the transactions starting with the timestamps of my debit card was billed then me not receiving what would have been paid for. It is odd that Huntington Bank tells you that you could send in documents to support your claim but close the claim before they could even receive it if you sent the documents by mail. The dispute number is XXXX. I was charged when I shouldnt had been as my merchandise/service was not going to be sent to me. The merchant is saying that there were fees thats why I did not receive anything which is a lie the site says it doesnt charge fees & how can a fee be for the whole transacted amount that is unbelievable. These people are operating under two different names to cover up the scam.
Product: Debt collection

Dept Management Partners ( XXXX XXXX ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame XXXX XXXX.