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

This account / information is over 7 years old and wont go away. 

Source : Experian Date Submitted : XX/XX/2021 Estimated Resolution Date : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : Correspondence Team XXXX XXXX XXXX, XXXX, TX XXXX
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 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

We pay our mortgage company, PennyMac, every month early. For the past several months, instead of posting the payments, they put the payment in suspense. They they call and treat us like dead beats that dont pay. When we tell them they have our money, they ask if we want them to apply it to our mortgage, after they slap us with a big late fee. This seems like a revenue building fraudulent system. This practice is improper because they know there is NOTHING we can do about it unless we are willing to pay closing fees and go through the whole refinancing process which is awful. 

Our builder gave us incentives to finance with PennyMac. Because of this, all of our neighbors have PennyMac. By comparing notes, I know that these practices are VERY common. It is systematic and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  Credit Card is reporting incorrect contact information on all   XXXX   CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX , Experian, and   XXXX   on  XX/XX/17   . All  XXXX  have responded as  " Verifed '' ac count information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Product: Student loan

I signed up for XXXX XXXX XXXX and received a XXXX XXXX loan. I was not in school 30 days when the course was cancelled due to no XXXX. I never received the education promised. As we all know, XXXX XXXX XXXX was permanently closed. Evidently, XXXX XXXX sold my loan to Navient. I have tried to get help from Navient, although no results. I have paid massive money on this loan, still with a balance due, that I do not owe. I need help please to resolve this serious issue.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.
Product: Credit card

Subject : Adverse Action Notice for Credit Limit Increase Request To Whom It May Concern : I am writing to you regarding the recent decision concerning my demand for a credit limit increase on my American Express XXXX XXXX XXXX account. Over the past few weeks/months, I have received unlawful violations of several credit limit increases notifying me that my request has been denied. As a conscientious consumer, I have thoroughly reviewed the reasons provided for this decision and have found them to be unsubstantiated and contrary to federal regulations and contractual obligations. 

Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.2 ), creditors are required to provide applicants with a written notification of adverse action taken within a reasonable period of time after the action. While I appreciate the promptness of your response, it is imperative to note that the denial of a credit limit increase demand constitutes an adverse action under the ECOA and Regulation B.

Furthermore, pursuant to 12 CFR 1002.9, a creditor is obligated to provide the applicant with a written statement of reasons for the adverse action. Unfortunately, the reasons provided in your letter do not meet the regulatory standard. Specifically, the denial was based on creditworthiness discrimination, which fails to demonstrate a legitimate basis for denying my demand. 

It is essential to emphasize that the extension of credit, including any credit limit increase, is governed by principles of contract law. The completion and submission of the credit application serve as the consideration given by the applicant to create the extension of credit. By accepting the application and subsequently opening the credit account, a contractual agreement is established between the creditor and the consumer. Any adverse action taken without valid legal or contractual justification constitutes a breach of this agreement. 

Accordingly, I assert that the denial of my credit limit increase demand is both unlawful and a breach of contract. As such, I demand that you reconsider your decision and provide me with the credit limit increase demanded. Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to enforce my rights under federal law and the terms of our contractual agreement. 

I trust that you will take the necessary steps to rectify this matter promptly. Should you require any further information or documentation from my end, please do not hesitate to contact me as needed. 

Thank you for your prompt attention to this matter. I look forward to the betterment of our business relationship moving forward.
Product: Debt collection

I called regarding debt and this is not mine. They have not been able to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX  lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX  they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  DELAWARE XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Select Portfolio Servicing has been made aware that XXXX is reporting my account as being two months past due when my account is current. I would like them to update my XXXX account to show that it is current. The amount owed, payment and being past due are all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Mortgage

LENDINGTREE CALL ALL THE TIME TOLD THEM TO STOP AND REMOVE MY NAME.

EMAIL : XXXX will get 4 to 9 emails a day. Told them to remove my email. 

Will start calling at XXXX up till XXXX XXXX
Product: Credit card or prepaid card

I was charged for an XXXX XXXX account without my permission. When I tried to get a refund they closed the account they kept me on the telephone for an hour trying to prevent the refund.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/year> Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Good Afternoon, I have disputed the accounts below several times asking for verifiable proof ( an original Consumer Contract with my Signature on it ) they have on file the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts listed below. 

The accounts below have failed to provide proof and will not remove from my credit report. Please assist. 

Thanks Name of Account Account Number Provide XXXX XXXX Portfolio Recovery Associates {$490.00} XXXX Unverified Account Portfolio Recovery Associates {$750.00} XXXX Unverified Account
Product: Debt collection

Dear LVN Funding LLC, I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies. 

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : 1. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between LVN Funding LLC and the original creditor that outlines your authority to collect this debt. 

Please consider this letter as my formal request for you to cease all collection activities until this debt has been properly validated. Furthermore, I demand that you immediately remove any and all inaccurate information that you have reported to the credit bureaus concerning this alleged debt. Continuing to furnish this disputed and unverified information would be a direct violation of federal law. 

I expect a response within 30 days as required by law. Failure to comply will result in further action being taken to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing legal remedies.
Product: Student loan

I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was fraudulently misled into sending {$2000.00} via XXXX  and {$1000.00} via XXXX to an individual who did not fulfill their promised service. Realizing I had been scammed, I immediately contacted both Venmo and XXXX to report the fraudulent transactions. 

On XX/XX/year>, I formally reported the XXXX transaction and requested a review under Regulation E of the Electronic Fund Transfer Act. Despite multiple follow-ups, XXXX has failed to respond. 

XXXX  initially acknowledged my report but later stated they would not assist, claiming they could not mediate and citing privacy policies. However, their own Privacy Policy allows for disclosures in fraud cases. I also filed a police report ( Case # XXXX ) and requested both companies cooperate with law enforcement. 

Both companies have failed to take appropriate action to investigate or recover my funds. I am seeking the CFPBs intervention to ensure compliance with Regulation E and consumer fraud protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.
Product: Credit reporting or other personal consumer reports

I am a victim. Someone stole my cards and account information and was able to withdraw and deposit fraudulent checks and withdraw all of my money out of my checking and savings account. I reported this and Im still having to fight this issue since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my loan. This loan is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, EQUIFAX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of the following : XXXX  XXXX > Account XXXX XXXX  >Account Number : XXXXXXXX XXXX XXXX  >Account Number : XXXX XXXX XXXX >Account Number : XXXX XXXX XXXX XXXX>Account Number : XXXX These fraudulent accounts are appearing on my consumer FICO credit report. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint
Product: Checking or savings account

multiple occasions my debit card and pin was used at 3 separate atms, each transaction the person who used it pulled out XXXX twice. I didn't notice until 3 days after the last transaction. On XX/XX/year> XXXX XXXX wellsfargo ATM ID - XXXX Transaction IDs : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXXTransaction ID : XXXX XXXX XXXX XXXX wellsfargo ATM ID : XXXX ID : XXXX XXXXFor a total in XXXXI had no idea my debit card was stolen along with my ID, unfortunately I had my pin set to my birthday and was easy to figure out. I didn't notice since I had no notifications on my phone about ATM withdrawals. You can clearly see through my past transactions that these withdrawals are not my normal habbits.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXXXXXX credit card. The credit card was closed for return payments in XXXX ( 2023 ). None of the returned payments left the account at any time past due or delinquent. I always made several payments that exceeded the minimum amount due each month. Last week I paid the minimum payment amount of {$30.00} and learned this week that the account has been charged off and determined uncollectible debt. This is preposterous because I have never had a late or missing payment since the account was opened. The bank has reported the derogatory fraudulently to the credit bureaus and my resulting scores have plummeted. The bank is cognizant that my account did not qualify to be charged off and classified as uncollectible debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. I would like all items to be delted.
Product: Debt collection

Scam collections is reporting two accounts on my credit report one for a  XXXX balance and one for XXXX. I have not received information from them reguarding the balances owed and even after trying to pay just to have it cleared off of my report SCA Collections refused to remove the paid balance and is still Showing XXXX on my credit report. I do not believe these bills to be accurate or factual and have received no Information from SCA to prove they are. Please delete both accounts from my report
Product: Student loan

I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.