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

I have disputed these accounts multiple times theyre not mine & I am a victim of identity theft. I have sent Trans Union XXXX XXXX proof of filed FTC Report & police report when I was assaulted & had my purse was stolen which included ID, credit cards & other sensitive information. I have been disputing & trying to resolve these accounts for months! I have reached out to creditors for original applications to verify information. Some arent responding & others are sending incorrect requested documents & Trans Union XXXX XXXX is still reporting information accounts as verified & accurate. 

Below are the accounts that were opened in result to identity theft XXXXXXXX XXXX XXXXXXXX XXXX {$410.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$5500.00} ( Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} ( Trans Union XXXX XXXXXXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX ) XXXX XXXX XXXX XXXX  - {$5500.00} ( XXXX ) XXXX XXXX N.A - {$620.00} ( XXXX ) *I have supplied tracking # that I used for supporting information claim included on attached Receipt
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT THIS MORNING AND WAS RATHER DISAPPOINTED WITH IT. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS IMPORTANT MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by XXXX XXXX. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, XXXX XXXX XXXX still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with Transunion and Transunion also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
Thank you!
Product: Student loan

In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : SBNASELFLNDR Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. Please remove all late payments and negative reporting or delete the account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/scrub>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Vehicle loan or lease

I am purchasing a car from XXXX and the finance company/bank I am paying on the loan is Bridgecrest. The company Bridgecrest I believe is a lending predictor. They prey on people that are poor with bad credit. When obtaining the loan no one disclosed to me I was in a installment loan. Everytime I am late on the loan, I am charged {$6.00} a day. Do to financial hardship I've been late on the loan and can't seem to caught it up because I pay every two weeks on the loan as well as the XXXX a day I just found out last week I was being charged. I have been in this 2009 XXXX XXXX almost 5 years and have paid over {$21000.00} and still owe over {$9000.00} on the loan. I am being ripped off. They call and harass me so much I have to put them on a no call list. I almost loss my jobs behind them calling my back to back while my boss was standing in front of me. I feel defeated and don't know what to do. I know I'm in a predatory loan. Please help! No one disclosed to me I was getting into a installment loan when I purchased this vehicle. I've paid to much money to lose this car, and the company reporting to the credit bureau is making it impossible to get out this car!
Product: Debt collection

Key Bank calls my home every day asking to speak to a person who I have repeatedly told them I do not know. I just got this number about 2 months ago, and I 'm assuming they are looking for the previous owner of that number. I answer every day, tell them I do n't know those people, and ask them to remove my number. They do not remove my number because they call back the next day. I called and attempted to speak to a supervisor, and they refused. I was then told I could not have my number removed unless I proved I was not those people. I have no intention of sharing my address, or any other personal information with them. XXXX just want the calls to stop. They are calling from XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Deletion of Inaccurate Information - credit report from Equifax Confirmation # XXXX and Report XX/XX/year> # XXXX Dear, Consumer Finance Protection Bureau I hope you're doing well. I'm writing about my credit report from Equifax dated XX/XX/year> ( Confirmation # XXXX ). According to the report, that Equifax claimed to have researched in fact the following credit accounts : Account # - XXXX Account # - XXXX Account # - XXXX Account # - XXXX However, it seems that no actual investigation was conducted on these accounts. There are no comments or explanations provided, and the information still appears unverified. This issue is also reflected in my most recent report ( XX/XX/year> Report # XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), I'm entitled to have inaccurate or incomplete information investigated and corrected. Given the lack of proper investigation, I kindly request that these accounts be deleted from my credit report immediately. 

If you need any more information from me to facilitate this request, please don't hesitate to reach out at [ XXXX ] or [ XXXX ]. 

Thank you so much for your prompt attention to this matter. I really appreciate your help in ensuring my credit report is accurate. 

Best regards, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Despite my XXXX  correspondence, it appears that the issue has not yet been resolved. 
The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the accounts : 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: Student loan

Student loan has always been deferred. Company incorrectly reported late payments when they moved the account to a different company.
Product: Debt collection

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  Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

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

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I switched my cellular services from XXXX XXXX to XXXX. I activated under a Bring Your Own Device plan, and did not purchase any equipment. I was told this was a MONTH TO MONTH, contract free plan and never signed any contract. I had XXXX until XXXX of XXXX and ported two lines to XXXX, as XXXX 's service was poor at my home, and despite spending {$250.00} on a network extender, had continual service problems. XXXX also engaged in slamming constantly increasing my bill starting in XXXX. The company failed to provide and answer as to why taxes and fees were increasing. 

In XXXX, I received my final bill of {$88.00} which I paid in full. Later that month, I received an additional invoice for {$350.00} which XXXX claims was for " early termination fees '' because I cancelled my service before a " mandatory one year agreement '' that I never signed. I attempted on three different occasions between XX/XX/XXXX and XX/XX/XXXX to get XXXX to credit this and disputed this amount. 

On XX/XX/XXXX at XXXX hrs I received a call from XXXX which lasted XXXX from a company identifying itself as Convergent Outsourcing , Inc. claiming to be a debt collector on behalf of XXXX. I explained to two different people that I do not owe XXXX anything and that I officially dispute this under the Fair Credit Reporting Act as not a valid debt. I was told that per their records, the debt is valid as the outstanding balance was for a failure of me to adhere to the agreement to maintain service for 1 year. I explained I never signed a contract, did not purchase a device under a payment plan, and was on a month to month plan and fulfilled all my financial obligations with XXXX and transferred both my lines to XXXX 

I instructed them to cease and desist contacting me as this is not a valid debt and I believe in good faith that XXXX and it's third party agent, Convergent Outsourcing, is engaging in fraud trying to get me to pay money I do not lawfully owe. Furthermore, when I stated I would take legal action as is my right under the FCRA against anyone who places negative remarks on my credit file with the three credit agencies, I was then offered to settle this for a lower amount by " knocking a XXXX dollars off ''. 

I refused and requested a supervisor. The supervisor was rude, and asserted I owed them the money. I once against again told them to cease and desist all contact as this is not a valid debt. I have also attempted, in good faith, containing XXXX at XXXX on XX/XX/XXXX at XXXX and representative XXXX said she could not do anything and transferred me to " billing '' which brought me right back to the above named firm. 

It is my belief that this company is engaged in fraud and I have also reported them to the Georgia Department of Consumer Affairs as well as XXXX, who demonstrate ZERO good faith in resolving their error.
Product: Payday loan, title loan, or personal loan

Net Credit is using an old address for my PII. 

When I created the loan request, in XXXX I used my XXXX address as I recently moved. 

My charged off account however shows the address that was on my drivers license which is XXXX 

I have contacted Net Credit requesting this address correction yet they have denied this. This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : 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

I looked at my report and noticed that this is item on my report its not accurate it doesnt belong to me and according to the fair credit reporting act 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. 

Ive sent various letters telling them that this account does not belong to me. 

( XXXX XXXX XXXX ) this account is not accurate and doesnt belong to me And I have reported to them so many times can you look into this matter
Product: Mortgage

This will be the XXXX complaint filed on this same issue. Our loan is currently in the trial stages of modification. Shell Point continues to send our statements that contain personal financial information to an address that I have never been associated with. 
When I go online to review my statement it shows the last payment in the amount of {$1600.00} but my payment was in the amount of XXXX. I have also found unexplained charges in the amount of XXXX each. What is it going to take to get Shell Point to get in compliance? Where did the balance of the XXXX go? When I try to make an online payment, their system will not let me make my trial payment. The company is trying to make it difficult to complete our trial period.
Product: Credit reporting or other personal consumer reports

I was effective by Experian breach Im scared this is bring down my credit score effective to get approved for many things like apply for car, house etc. i try many of times dispute late payments and disputes medical bills that went for XXXX I have no knowledge of that keep going into collections that I shouldnt have to pay because I didnt create that bill. On going back and fourth the credit to get my credit score to go back. Credit score was XXXX now went down to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage was transferred in XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.
Product: Mortgage

I fell behind over 4 years ago after my monthly mortgage payments increased, while my income remained the same. I did not qualify for a loan modification due to my income and I struggled to try to catch up for years. For the past two months I have been committed to trying to take care of this delinquency once and for all and I applied for a short sale. After years of receiving loss mitigation applications from my mortgage lender, I finally decided to buckle down and send in the documents that they required so that I could get some help and now they are refusing to help me. After all this time that I've been past due and I finally decide to make a true effort to rectify the delinquency and they do not want to stop the foreclosure. I have retained a real estate agent, I have a willing and able buyer that wants to make an offer, I have submitted all of my financial information just to be told that my request is denied " due to the proximity of the foreclosure auction '' when I sent in documents weeks ago. They had enough time to review and deny me yet not enough time to review to help me? It doesn't seem fair, but I do not know which way to turn at this point because I am trying to do this the right way and avoid just letting the home foreclose. I can't afford that on my credit at a time like this. I need someone to assist me with getting in contact with management at the mortgage company, I need to speak with a real person that actually wants to help me. Not just a representative reading a script.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle 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 unfeasible. The CFPBs 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, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX