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

XXXX XXXX XX/XX/2023, Experian decided to call XXXX as part of their bill fixer service. They instead of acting as an authorized representative, decided to try and pose as me. Therefore attempting to steal my identity. I call Experian about this and request a supervisor and am repeatedly not transfered to where I requested an am instead argued with. I demand the name of the person trying to steal my identity so I can file a police report as well as every customer service agent that lied to me reprimanded for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they reported. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately 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

I am a victim of Identity Theft. The following accounts were used unauthorized. 

I AM REQUESTING THAT THE FOLLOWING INQUIRIES BE REMOVED AS THEY ARE A RESULT OF IDENTITY THEFT PLEASSE HELP ME WITH GETTING THEM REMOVED PLEASE : 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: Debt collection

I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with Equifax and XXXX XXXX and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by XXXX points. This is a report that I also disputed right away because the debt was originally XXXX in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.
Product: Vehicle loan or lease

Dealer never discloure an incident to the bank that the car they where selling me was involve in an accident and the manufacture did devaluate the car due to this condition. stop any future payments until a resolution is taken
Product: Payday loan, title loan, or personal loan

Law-abiding XXXX owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this letter from the Synchrony Bank in XXXX Fl. saying they have to turn down my request for a credit card from XXXX XXXX   XXXX. I haven't just requested a credit card from anybody. I've had this credit card for years. I owe them {$170.00} with a credit line of {$800.00}. I don't understand what this is about. I don't even know if I should make a complaint. I hope somebody can explain explain this letter. Thanks
Product: Credit card

closed my XXXX XXXX XXXX XXXX with Wells Fargo on XX/XX/2024. At the time of account closure, there was a remaining credit balance of {$43.00}. However, this balance has not yet been refunded to me. Over the past XXXX months, I have made XXXX attempts to recover the credit balance. Each time, the representative I spoke with claimed that a check had been issued, but they were unable to provide any details regarding the check 's status or the check number.
Product: Credit card or prepaid card

When I was late on a horrible interest rate at the XXXX XXXX card, I tried to set up a payment plan with a collection agency with the hired XXXX by Synchrony bank ( a horrifying bank ) and collection agency. XXXX rep lied about what I owed when I set up a payment plan so I could not carry through on the plan. Synchrony bank accepted no responsibility and XXXX  calls me day and night, which of course, is considered harassment and against the law. This is the 2nd time I have reported this offense with no response from you. Sending to my attorney. Have proof.
Product: Mortgage

On XX/XX/XXXX, I sold my house, and the loan ( with Dovenmuehle Mortgage XXXX Inc ) was fully paid off on XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle Mortgage sent my escrow refund check of {$2000.00} to the address of the property I had just sold, so I did not receive it in the mail. I called Dovenmuehle Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I spoke to the representative on XX/XX/XXXX, they told me the check would need to be reissued, and this process would take up to 30 days. On XX/XX/XXXX, I called to follow up, and they said nothing had been done, but they would start the process now of reissuing the check. On XX/XX/XXXX, I was told there had been a hold up with the check, but it would be rushed to be mailed out. On XX/XX/XXXX, I was told that no check had been sent but that one would be reissued. On XX/XX/XXXX, I was told that the check was in the process of being mailed out, but being that it takes 30 days, it would be another couple of weeks. I called on XX/XX/XXXX and was told again that it was still in the 30-day process and would be in my possession soon. On XX/XX/XXXX, I called to follow up, and I was told that none of this was true, and a check was actually reissued on XX/XX/XXXX. I never received anything in the mail, and each supervisor I spoke to before XX/XX/XXXX had said a new check was not reissued on XX/XX/XXXX. On XX/XX/XXXX, the supervisor said the check would be reissued again, but I have been told this several times at this point. There have been many discrepancies between what I've been told by each supervisor. 

It has been months, and no progress has been made. I have called numerous times, spoken to numerous supervisors, and I still have not received my escrow refund check. Dovenmuehle Mortgage , Inc has well passed any deadline to reissue my escrow refund in a timely manner.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXDEPT OF ED XXXX XXXX : {$3300.00} ; XXXX/DEPT OF ED XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is XXXX, EQUIFAX, and XXXX. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people.

These are clear violations of my rights.
Product: Credit reporting or other personal consumer reports

This is the 9th time and it's still inaccurate and incomplete information this account is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the XXXX report. Equifax don't even have payment history XXXX showing no payment history. XXXX has this account as an collection equifax and XXXX as this account as a charge off. Remove this account immediately!! 
So XXXX has failed to complete the inaccurate and incomplete information. 

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

I am writing to dispute the collection account reported by XXXX in the amount of {$2300.00}. I am requesting the immediate removal of this account from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1692c Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a debt collector must cease all communication with a consumer if the consumer notifies the collector in writing that they refuse to pay the debt. I previously notified XXXX in writing that I refuse to pay the alleged debt, and despite this notification, they continued to report the account to credit bureaus and engage in activities that constitute communication. 

This is a clear violation of federal law. The ongoing reporting of this account constitutes indirect communication, as it continues to cause harm to my financial standing and credit reputation.

2. Failure to Cease Communication By continuing to report this collection account to credit bureaus after being notified of my refusal to pay, XXXX has failed to comply with their legal obligation to cease all communication. This ongoing violation underscores their disregard for consumer rights as established under the FDCPA.
Product: Debt collection

IQ Data claims I owe over {$1000.00} but hasnt certified or clarified the debt. Despite a certified letter and calls in XX/XX/year>, theyve failed to respond. The debt remains on my credit report. I never owed XXXX XXXX, and my ledger was zeroed out upon moving.
Product: Debt collection

i notice some collections on my credit report that i dont recall having, so on XXXX XXXX, I sent a dispute letters to the company that is damaging my credit with items that i dont recall having and also has violated the Hippa Act by sharing my medical information with others that i didn't consent in doing. I'm requesting for them to validate the alleged debt within 30 days and verification from the original creditor with a signed contract with the creditor.i have letters attached that i sent to SMITH ROUCHON & ASSOC
Product: Debt collection

I have been harassed by CMRE Financial Services multiple times in the past 3 years. In the past 3 years I've paid them at least {$400.00} each time I've been told that I paid them fully and the issue was resolved, I even set up payment plans with the company and they came after me again. I recently paid them an additional {$54.00} in XX/XX/XXXX for a bill I do not believe was mine just to get them off my case. I was recently contacted by them again on XX/XX/XXXX. XXXX has admittedly told me there are many different accounts under my name and that people aren't careful enough when entering in the debt 's. So sometimes it is under the wrong person. I have definitely have 100 % paid much more than I could have ever owed. I need someone to investigate this company. The number they called from XX/XX/XXXX was XXXX My transaction XX/XX/XXXX showed up in bank as XXXX XXXX XXXX XXXX CA XX/XX/XXXX Debit card transaction {$54.00}
Product: Checking or savings account

Bank of America excessive charges for consumer accounts During XX/XX/XXXX BOA charged my account for about {$560.00}, and while writing this complaint I have been charged in XX/XX/XXXX till now for {$310.00} I called the bank inquiring about those charges, having in mind that I'm a customer since XX/XX/XXXX, and I have not seen this hike in fees before. I explained to the people on the call that during the early days, I can see that my account going under XXXX, and I have the option to put money in the account to cover it before the end of the day. Recently, I have seen a change in behavior, on which I check my account in the evening, and in the morning, they already overdrafted it with charges. 

I expressed to the bank that : 1. I'm not an accountant and they treat my account like I should be having books created for it. 
2. This is a new change that I'm seeing recently, and it has not been this way before. 
3. I have a feeling that the bank changed/updated its system to narrow the window that we as a consumer have to correct mistakes. 
4. The existing alert systems that the bank provide is useless as I'm receiving the alert AFTER the bank charged my account with fees.
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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my fXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am officially challenging you to review your data on file for me! I need you to fix any inaccuracies or deficiencies of reporting. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under XXXX XXXX compliance and FCRA law. This will ensure that youre meeting deadlines while maintaining accuracy! 
Attached a summary of the data in which I am challenging :
Product: Debt collection

I was contacted today XXXX the XXXX XXXX by another person that has the same name as I. He brought to my attention that Jefferson Capitol Systems ( also doing business as XXXX XXXX XXXX had emailed him all my personal information trying to collect a debt that I allegedly owe. The information he gathered had non-public personal information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and the accounts below were were opened by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

I have called and mailed my identity theft reports to Experian and XXXX via certified several times Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report credit reports and only send stall letters that have already be sent to me many times in order to avoid correcting my credit reports. 

The account below was not opened by me and needs to be removed permanently from my credit reports : XXXX XXXX XXXX XXXX The identity theft reports were mailed via certified mail to Experian and XXXX, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Loan company charged extremely high interest rates already and then proceeds to charge XXXX for every online or phone payment over thr course of the loan. 48 months of payments that have an added XXXX fee charged on them. Resulting in an extra XXXX in fees not on the original loan.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really XXXX XXXX XXXX with these thing. Should be there be any updates on my inquires, I'm gon na go to court.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 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 XXXXXX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I am an independent XXXX. During the beginning of COVID, many of my clients were afraid to come out of their homes to my office. I was severely impacted due to COVID. I am a XXXX. My boss was holding my pay as well as my colleagues pay. My clients were not coming in and My income dropped down to less than XXXX a week. I was borrowing money from everyone to help me pay my mortgage. Select portfolio servicing had forbearance programs and I completed each one. I was still in a financial struggle because I could not find a job paying me enough money. I paid my forbearance up until XX/XX/2021. Select portfolio services said I could apply again but asked for so many documents, in which I gave them, they were giving me a hard time. I have constantly kept in touch with SPS but they refused to help me with a mortgage deferral program. I have lived in my home for XXXX  years and want to keep my home. I am working small hours but am looking for work aggressively> Please help. I started gong through the issues XXXX. But I was in forbearance plans and kept each one not missing any. I was told by my homeowners that a collection law firm has my mortgage. I was not notified by my mortgage company and I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXXXXXX XXXX reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off Experian refused to remove the error stating that they just report what the company sends I explained to Experian you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules XXXX XXXXXXXX was disputed as well same information provided error not removed
Product: Debt collection

I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named XXXX XXXX XXXX and the original creditor is Kay Jewelers. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally Kay Jewelers is reporting this account past the 7 year limit and is reporting this account incorrectly.
Product: Payday loan, title loan, or personal loan

I just started noticing payments of {$240.00}. Being taken out of my account since XX/XX/2021. I never applied for a payday loan and when I got the loan document my personal information was incorrect and the loan was for {$900.00} and the repayment is {$4800.00}. Please help
Product: Credit card or prepaid card

I submitted a payment via bill pay through my bank on XXXX XXXX XXXX Aspire appiled the payment, but didn't apply it towards the actual payment due, hence doubling my monthly obligation. I don't understand how a bill pay service can not be used to pay your bills through your bank. This was my first time using XXXX XXXX to pay this. I was informed that because I made the payment on the same day that the statement generated, it was counted as an " extra payment '' by their chat team. 

XXXX XXXX I see that your statement is only generated on XXXX of every month. Since the payment was received on the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( TRANSUNION ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.