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

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account- XXXX XXXX XXXX Account number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX reported that I applied for and was approved for credit with them. This information showed up on my credit report. I did not apply for this credit. I contacted Experian credit agency. They investigated and replied that XXXX maintains my request for credit with them therefore it has not been removed from my report. I did not apply for this account.
Product: Debt collection

This letter is being sent to MERCANTILE ADJUSTMENT BUREAU ( XXXX ) in response to a computer-generated, unsigned letter dated XX/XX/2022, a letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
Product: Money transfer, virtual currency, or money service

In reference to Complaint # XXXX and Wells Fargos response I STATE the following. 
I did contact the Relevant State Agencies, as referenced by Wells Fargo, but was told that the BANK DID NEVER TURN IN THE MONEY IN QUESTION. they urged me to forcefully demand it from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have these hard credit pulls that I did not authorized in my Equifax credit report XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are constantly lying about where they got information and how items were verified. I have advised them that they are not mine and they are steady saying items are verified by XXXX XXXX. I have disputed 2 Bankruptcies Chapter XXXX # XXXX and Chapter XXXX XXXX with them about 7 times now. They are constantly stating the item is verified. First verified by the courts and I have submitted proof that is not true and then they states XXXX  XXXX. XXXX XXXX has removed the bankruptcies because they can not verify the information themselves. They are constantly violating the FCRA. Attached you will find a letter from XXXX XXXX stating they deleted the accounts because they can not verify any information and from the courts stating they do not provide that information. If they do not have any documentation in your files to verify the accuracy of these disputed account, then they are suppose to delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report they damaging my credit. XXXX has already removed these items. This has been going on since XXXX and I have filed numerous complaints. I have now went to the XXXX  and FTC and my states attorney.
Product: Credit reporting or other personal consumer reports

Experian are deliberately exhibiting my credit report score as N/A unscorable. I am currently in chapter XXXX for over XXXX years now and I only got XXXX year left. All of my accounts have been closed under the XXXX  XXXX. All my unsecured creditors have been closed. That is true. 
But I still make payments on my XXXX XXXX auto finance XXXX  XXXX fusion vehicle every month at {$340.00} a month even though thats under my bankruptcy. It is still an open account in a sense because I still make payments every month so I can keep the car for being available to me while in bankruptcy. I do not intend on turning in my car while Im in bankruptcy I intend on keeping it and continuing to make payments on it that is not reflected on my Experian credit report they have my credit report showing as unscorable. Just because Im in bankruptcy and my accounts have been closed. I think that is disgraceful and it is being done deliberately to hurt me and to keep my credit score looking horrible in case I have a need to apply for a credit card when my bankruptcy is over. In my opinion, this is what the credit reporting agencies do they purposely try to make your credit score look horrible so it will hurt you in the future and cause you to be stuck with higher interest rates, especially to poor people. 
Experian is a sham and a scam in my opinion and Im asking that my credit score stop showing unscorable. And that it reflects that I am making payments on my XXXX XXXX XXXX vehicle every month at {$340.00} a month and I have XXXX XXXX years left of payments on it even though it is in my bankruptcy and I can turn it in anytime I want I intend on keeping the car and I am making my payments on every month of {$340.00} a month. So please stop showing my credit score as unscorable because thats gon na look horrible if I ever go for a loan in the future. Im asking experience to stop deliberately and purposely hurting my life by keeping my credit score showing as unscorable in my humble opinion. This is my own opinion and my own views personally.
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 financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was inconvenient. 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- all while promising our accounts and money are safe. The lack of accountability and transparency is unacceptable and raises serious concerns about the safety, we as consumers, are promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

NJ Higher Education is reporting two accounts on my XXXX credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA
Product: Debt collection

I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a chime credit builder in XXXX 2021 it kept giving me negative marks so I called at the end of XXXX and canceled the credit builder but kept my banking ( that does not go on my credit ) I was still getting negative marks and showing that the account was open. XXXX and XXXX closed it but XXXX has not. I have been disputing this since XXXX they removed the marks last month and then let it happen again this month. I called chime they confirmed the account is closed but when I called XXXX they say it's opened so I started a new dispute which would be my third one. I have been working on my credit since XXXX and this account has significantly damaged it even though there was no late payments and not that it has been closed for months it still is damaging my credit and niether companies has helped any time I have reached out to them. I have documentation on everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card was charged off XX/XX/XXXX in the amount of {$2500.00}. It was sold to a debt collector XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I settled and paid the card in full on XX/XX/XXXX to the debt collector. XXXX and XXXX removed the information from my report. XXXX will NOT remove this information because they state that XXXX XXXX ( XXXX XXXX ) is reporting the information as accurate. I have provided them with proof of the account being transferred to collection agency, I've attached proof of settlement letter and proof of payment. Every time I try and get help they say someone will follow up and help solve but nobody will contact me. It's been 4 months and I can't get this paid off debt of {$2500.00} removed from Experian- it shows as current debt.
Product: Credit reporting

Equifax continues to report incorrect information on a business account, disputed with credit card company directly with no proof of ownership provided. Equifax continues to report incorrect information and when asked how it is validated only boiler plate response.
Product: Credit card or prepaid card

In XX/XX/2018 I spoke to a rep about the issue I was having. I explained I had fallen behind in paying my bill because I was unemployed but recently acquired employment. I had paid all of my bills until my savings depleted. 

I asked for affordable payments to bring my account back into good standing. The minimum payment they wanted was XXXX on a XXXX balance. I explained I couldn't make anything near that payment because I was working a part-time job and already struggling to pay expenses. They suggested a money management program knowing they wouldn't be on it. I tried to get them on the program once talking to a money manager. XXXX rejected my attempt to pay them, instead I received a letter standing my debt has been purchased on XX/XX/2018. 

XXXX sent me to a debt collector called XXXX XXXX XXXX XXXX. 

By XXXX doing this, it has negatively impacted my life even more so during an unfortunate event.
Product: Debt collection

XXXX XXXX-SS was garnished for approximately {$420.00} for a student loan they claimed I took out wit an electric signature in XXXX. I had never received a bill until XXXX. That was 13 tears after I supposedly took out the loan. I filed bankruptcy in XXXX and this loan DID NOT show up on outstanding bills I owed. I began corresponding with them in writing and verbally to no avail. Im XXXX years old on a fixed income. I just went through XXXX XXXX XXXX & treatment & do not need the additional stress of my finances being taken away. I spoke with a man named XXXX & told him they could not take my SS. He said, Yes we can. We are the Federal Government and we can do anything we want. I felt hopeless and discouraged. No company or individual has this right over a consumer. What can I do. Thank you in advance for your help. My loan group number with XXXX is : XXXX. My next payment is due XXXX for {$230.00}. XXXX is also taking $ XXXXmonth for this loan to pay Ascendium, creditor # XXXX. XXXX ID # XXXX. This situation is unbelievable.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Incorrect Late Payments Reported by XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late student loan payments by XXXX on my credit report. The reported late payments have caused a significant drop in my credit score, despite the fact that I was enrolled in a payment plan and did not receive proper notification from XXXX regarding my account status. 

Details of the Dispute : Servicer : XXXX Dates of Incorrect Late Payments : XXXX ( past due amount {$1400.00} ) Current Status : Account brought to current status under administrative forbearance Why This Is Inaccurate : 1. Lack of Proper Notification : XXXX failed to properly notify me of my payment status. I was not informed of due dates, past-due balances, or impending credit reporting. Many borrowers have experienced similar issues, which suggests a systemic failure on XXXX part. 
2. Enrollment in SAVE Act & Forbearance : I signed up for the SAVE Plan, and my account was placed into administrative forbearance, yet my credit was still damaged. These late payments should not have been reported. 
3. Massive Credit Score Impact : Due to these reporting errors, my credit score dropped by [ XXXX ] points, causing financial harm.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX *Account Number : XXXX
Product: Credit card or prepaid card

I wanted the XX/XX/2020 payment deferred due to COVID-19. Discover refused to allow the deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX.XXXX 1. Capital One Bank Usa XX/XX/XXXX 1. CAP ONE NA XX/XX/XXXXXX/XX/XXXX, XX/XX/2017XX/XX/2017
Product: Credit card or prepaid card

I opened the XXXXXXXX XXXX XXXX Synchrony card on XX/XX/XXXX for the purpose of buying furniture for my new home. On XX/XX/XXXX I made my first purchase. Each time I have made a full payment on XXXX, XXXX, XXXX and XX/XX/XXXX there has been a 7 day hold placed on my account even though the money has been debited from my checking account. The first time this occurred I was told unbenounced to me this is referenced in small print in the terms and conditions " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it ''. This was never mentioned to me when I applied for the card and only revealed afterwards. Additionally, each time I speak with someone at their customer service they tell me this only happens when the account is first opened. Just yesterday XX/XX/XXXX i asked if they funds would be available and the representative said it would take 24 hours to post. Today my account has a zero balance, my checking account has been debited and I was only given {$1.00} as available credit. Every other time it would at least give me a few hundred to spend. I specifically asked the representative yesterday XX/XX/XXXX if I could use the card this weekend so i could pay for my pending delivery that I have been waiting months for and take advantage of the double rewards. She told me yes it would be available. Apparently this isn't the case because the funds wont be available until XX/XX/XXXX ( 3 days after the promotion ends ) and I must spend additional money to have my furniture delivered on XX/XX/XXXX. This is so frustrating and unfair. I have many credit cards and always pay them off immediately. At this point there is not need to use this card as I have no clue what the policies are. Each time I call even when speaking with a manager I get something different. I will recommend to anyone, do not get this card
Product: Student loan

I currently have about {$50000.00} in federal direct loans with XXXX. Last fall, after being prompted to consolidate a small federal loan with XXXX to XXXX, and getting a new Income Based Repayment plan, I began paying after a year of forbearance. Prior to that, I had made XXXX payments which I believed to be helping me make progress toward the XXXX XXXX payment threshold ( I'm a XXXX who works in a XXXX XXXX ). 

After recently certifying my now 7 years of employment in XXXX XXXX XXXX, I have come to find out that I have not made now XXXX qualifying, on-time payments in full to XXXX, but only the XXXX since the consolidation last fall have counted. NO ONE who helped me during the consolidation and income checking process ( for IBR )  mentioned that all of my previous payments would be wiped away. Instead of my next payment being my XXXX ( and XXXX full year of payments ), my next payment will be my XXXX. Which means that I now XXXX payments ( XXXX years XXXX months ) of payments left instead of XXXX payments ( 6 years ) despite the fact I'm beginning my XXXX year of XXXX and have been making regular payments in full essentially this entire time. 

The lack of communication about the consequences of consolidation are at minimum negligent, and at worst intentional to get people to pay more. I NEVER would have consolidated if I had known that it would cost me almost 4 years of payments. Who would? How would that make any financial sense at all? I felt like I had to consolidate because one of the federal loans was with XXXX and I did not believe that if I left it with them that I would be able to qualify for PSLF. It was not made clear that I would lose all of those payments in conversations I had with people at XXXX nor was it clearly stated in online applications or correspondence with me. Though I had not certified my years of employment, I had communicated a number of times over the years with XXXX that I was a XXXX ( I mean, they unfairly converted my XXXX Grants to loans because I missed one deadline - but that's a complaint for a different day ), so they knew I was a XXXX and that I was screwing myself by consolidating but nowhere did anyone say " hey, if you do this, all previous payments will no longer qualify '' and that's a shame. You'd think that people and organizations that I pay for with my tax money ( and loan repayments! ) would be trying to operate in good faith, but apparently not. I'm not some negligent borrower, I want to pay debt and HAVE BEEN for YEARS, but this has not been a fair deal on their end at all, and I have operated in good faith to hold up my end of the deal.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling disputes, Mainly in the CFPB lawsuit highlight significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my bank usues Zelle and failed to investigate the claim. They informed that lost funds is specifically on Zelle behalf and nothing they could by the money been gone from account The CFPBs findings indicate has not only neglected to protect consumers but has also allowed repeated violations within the Zelle service this is very unfortunate I will go over and beyond until Zelle is handled.
Product: Mortgage

My ex-husband & I filed chapterXXXX  bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been many companies open under my name and I did not open the accounts
Product: Checking or savings account

XX/XX/2022. I bought things through the weekend, it showed on ATM receipts and app as off my total. Sunday night the XXXX something came out putting me negative. I should have got XXXX over draft fee they charged almost XXXX in fees for things I bought friday and Saturday .. this is the XXXX time this has happened. First national bank of Pennsylvania
Product: Checking or savings account

I opened and funded a new savings account with XXXX XXXX XXXX Webster Bank recently and then set up an " external transfer '' account a few days later so that I could move some funds through the ACH system. That external transfer account was for XXXX XXXX XXXX XXXX. The transfer account was then verified by utilizing two small deposits and was subsequently confirmed as valid by XXXX XXXX / Webster Bank. I then initiated a transfer of funds according to their " daily limits ''. That transfer was initiated on XX/XX/2022. I received an email from XXXX XXXX / Webster Bank today XX/XX/2022 informing me that the transfer has been stopped and that after they review it, they will either cancel it entirely or it will be delayed. This is clearly an " UNFAIR AND DECEPTIVE '' practice on their part. They have NO right to hold ANY of my funds as long as I adhere to their posted transfer practices which I have done. Despite my attempts by phone to resolve this issue, XXXX XXXX Webster Bank has given me the " runaround '' and failed to resolve this matter. I respectfully request your help. 

XXXX is some sort of subsidiary of Webster Bank. 
FDIC # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX