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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX  XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX. I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX  I had XXXX  and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX  I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted Experian, XXXX, and XXXX to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.
Product: Mortgage

Hello, I have late payments on my credit report from NCSECU from XX/XX/XXXX- XX/XX/XXXX. I called NCSECU before I was ever late and asked for a deferment because I was sick and was out of work. If I don't work I don't get paid as an XXXX XXXX. I was sick for several weeks at that time not knowing I had XXXX. Then my wife was sick and I had to take care of her and then my kids. Struggling to catch up between this time I finally gave up and sold my house in XX/XX/XXXX because NCSECU only cared about getting their money and on time. I called in multiple times to avoid late payments. The first time the representative said they can't help me because i am already a few days late. When the world shut down and everyone realized what was going on with XXXX  the bank had been offering help to avoid late payments for mortgages to help those in need. Well we were desperately in need and I called in again and stated this and they denied any deferral of my mortgage or assistance because I was already 30 days behind. We were forced to sell to avoid foreclose and been struggling with XXXX since then because we no longer have our own home and to top that have we late payments sitting on me and my wife 's credit report preventing us from ever getting a new mortgage in the future. This was extremely unfair during those times.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account
Product: Debt collection

I am XXXX XXXX a Consumer and Natural person, I am filing this compliant with no third party involved. Allied Collection Services has not responded within the length of days given after speaking with me concerning an alleged debt that have placed on my consumer report. Affidavit of fact was sent on XXXX XXXX Allied Collection Services signed the certified green return signature Postal receipt that they received it XX/XX/2021, today is XXXX XXXX and no correspondence or verification from Allied Collection Services. This has caused me a lot of traumatic stress, and also defamation of my character XXXXThis is a violation of my consumer rights, Also a violation Rights to Privacy. Please see attached files.
Product: Student loan

Sent the office of Consumer Advocacy the following about PHEAA employee XXXX. The company appears to be ignoring my complaints. I feel I'm being treated unfairly or discriminated against because I make complaints. The company is using retaliation against me. 

XXXX XXXX XXXX XXXX ( 6 hours ago ) to Office FYI XXXX The conduct of this employee over the phone with me on XX/XX/2024 was unbecoming of someone who is getting paid to be professional. I would recommend following the appropriate recourse for disciplinary action because the employee 's tone as well as the overall demeanor of the employee was that of a jokester. The employee refrained from taking my concerns seriously and used sarcastic monotones in just about every statement that was made. I believe there are inferences of conflicts based partly on whether or not I have made complaints against the employee in the past. Some of your employees are using aggression against me as a result of my dissatisfaction over their performance as a " professional representative ''. Statements that have inevitably been used over and over ( which I find to be used as somewhat of a sarcastic insult ) are : 1 ) I'm sorry you feel that way 2 ) I'm just doing my job I also hear snickering in the background on occasion as well as TVs playing and things that would discourage any employee from doing actual work or taking their attention away from what they SHOULD be doing while getting paid. 

I have also forwarded this complaint over to : XXXX XXXX XXXX As well as the PA Attorney General 's office, the PA Governor 's office, and my State District Senator. 

Thank You. 
XXXX XXXX
Product: Credit card or prepaid card

IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX  XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Today, Experian supplied a false creditreport to XXXX XXXX  and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to XXXX and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.
Product: Credit reporting or other personal consumer reports

The consumer report shows data that violates privacy acts. The information contained in the report is inaccurate and the way the data is listed and or represented is misleading. This type of reporting clearly violates FCRA terms and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on TransUnion and XXXX and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.
Product: Checking or savings account

I made multiple purchases on several occasions in XXXX to a company called XXXX. They charged my bank international fees and every fee was drafted and paid correctly out of my Iberiabank account. Now 2 weeks later XXXX double charged me all those fees again for no reason ; I have not made any recent purchases. Because of this my bank account totaled {$640.00} in the negative. I called Iberia bank and asked why they allowed my account to be double charged and if they would demand the money back from XXXX that was stolen and they said it's not their fault and not their problem. They also said I would be charged {$35.00} per each debit that was overdrafted which now leaves me over {$1000.00} in the negative. I have bills that I desperately need to pay and I can not because my account is so far in the negative. I can not pay for the money that was stolen by XXXX and I don't believe I should have to. My bank should have stopped all the charges because I don't even have overdraft protection.
Product: Mortgage

I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX TRANS UNION-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I had a lot of transactions that I never authorized and Bank of America refuses to refund my money back to my account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name 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 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 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Please remove the following items from my credit report, immediately. 


XXXX XXXX XXXX XXXX
Product: Mortgage

My account is still showing as behind. They are sending me several letters about being behind when I called in XXXX to clear it up and paid what they said was owed and have not missed a payment since. However they have put my account as delinquent on my credit report. 



On XX/XX/2021 I made a payment of XXXX. On XX/XX/2021 a payment was made on my behalf and a payment of XXXX was made on my behalf. Why hasn't it been processed? There is literally nothing on the site that it updated and you have to call in for everything. I called in on XX/XX/XXXX, and told that my balance was XXXX. It hasn't been updated or changed to reflect current amount due. I also made my XXXX payment and still it is showing online that I owe for XXXX. All of my payments are reflected in the screenshot above. XXXX and XXXX were paid from my sunburst account I have proof. 


Can someone please call and explain what is doing on? I have proof of all of my payments. Why was it put on my credit report when all my payments are up to date XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX. somehow indicated a debt on my account. I called XXXX at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and XXXX and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current XX/XX/XXXX or delete account from credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings within the platform. Despite my extensive use of Zelle and my diligent reporting of discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation of my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only neglected its responsibility to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platform 's commitment to consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! 

I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. 
My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. 

My account was paid in full when I closed my account as I no longer wished to have a secured credit card. 

The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, EXPERIAN XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXXEXPERIAN, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXXEXPERIAN has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.