23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am on the XXXX plan. Aidvantage has my loan terms set to 10 years instead of 20 years. This is doubling my monthly payment. I emailed them through their help center asking for an explanation and how to get my terms set to 20 years. I did receive a response but it did not address the questions. The response just told me the monthly payment and due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan with XXXX XXXX XXXX in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with XXXX XXXX XXXX was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported XXXX days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with Equifax in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added XXXX more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11 months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11 months and then stops reporting it late? Also, after an investigation by Equifax, how can the company verify this information as accurate and add negative information instead of removing it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on CAP1/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPB 's findings reveal that Zelle has failed to protect consumers and has 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: Debt collection

I was contacted by resurgent ( lvnv funding ) regarding a credit card debt from XXXX. I contacted resurgent ( lvnv funding ) and requested that all communications cease and decist. 

Resurgent ( lvnv funding ) has since sent me two letters and called once. 

Attached is the screen shot of the request sent to resergant ( lvnv funding ) as well as the most recent letter. The letter states I requested verification of debt. I never requested this information.
Product: Debt collection

An Account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau Agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and not being liable any longer for this debt with the original creditor.. I also notice that this collection agency re-aged the account to keep the information on the credit report longer. This lowered credit score 50 points and I am in the middle of buying a home. This is a violation according to the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) as well as violation according to the FCRA Section 605 ( c ) Running of the report period. Hipaa was also violated.
Product: Debt collection

i am a victim of identity theft and has attach a copy of the FTC report below for your reference. These alleged debts of {$8500.00} ; XXXX ;, and XXXX are not mine and i asking for them to be deleted from my credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrect amount. 
Jefferson capital systems acct # XXXX XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! 
Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX Last XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( Equifax, XXXX, and XXXX ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my credit score and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXX included in the file Early Warning Services maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 


Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you today because all three companies TransUnion, XXXX and XXXX have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail tracking number XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit file. According to USPS tracking, the letter was delivered to Experian on XX/XX/year>. 
Despite my detailed and valid request, Experian has failed to provide any investigation results. It has now been more than 30 days since the delivery of my dispute letter, yet no communication or resolution has been provided. 
According to the FCRA, credit bureaus must conduct a reasonable reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed by the consumer. Experians inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights.
Product: Debt collection

The debt collector does not identify himself as a licensed or authorized debt collector. He identify himself as XXXX and the company who is working for, is ; XXXX, XXXX with address at : XXXX, XXXX, Florida XXXX with phone number : XXXX. This company acquired my debt of {$500.00} from XXXX. Because I did n't reach a payment agreement with XXXX XXXX he breached my online privacy and took personal information from my system ( names and phone numbers of friends, relatives and clients ) and he is calling every one of them to talk about my debt and leaving me message with them and recommended everybody to call me and talk to me about my debt obligation.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Debt collection

This debt collector has culled multiple times making it unclear who the collector is or what the debt is for. They have now began sending text messages that I never opted in for
Product: Checking or savings account

On XX/XX/21, my husband deposited {$820.00} cash into the ATM, the screen then went blank, the machine then gave back his ATM card, there is no record of the deposit. He went into the branch and they said there was nothing they could do and he had to call an 800 number ( ATM Claims : XXXX ). He called the number and filed a claim right then on XX/XX/21. I have been calling EVERY DAY because that is a weeks pay!! They said they filed a request to expedite the claim and it was approved and we should see a temporary credit to our account in 10 BUSINESS DAYS!!! Well it has been a week and still nothing. I can't pay the mortgage!! 

A bank this huge can't give us our money back knowing that if the claim is not in our favor ( which would be impossible ), then take the money back? We live check to check and have one son in college and one in high school. 

The ATM should have been reconciled that night, been over by {$820.00}, there's our deposit. SIMPLE. 

HOW IS IT LEGAL FOR THIS TO HAPPEN?? 

If we were a business, maybe? But a family that has bills to pay?? 

The transaction is on video AND was witnessed by the security guard! 

HELP PLEASE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ) XXXXXXXX XXXX Original creditor : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I had a Victoria secret/comenity credit card for 6yrs 3 months. Never a late fee. In fact they were sending me checks where I over paid them. My limit was XXXX. I used my card for XXXX. I paid XXXX XX/XX/XXXX inside the store on my card balance. Which brought me to zero. They then was charging me for not using the card. Lowered my limit to XXXX and eventually closed my account. Stating charge off as bad debt and purchased by another lender. They then sold my account to collection agencies and I have disputed over and over for yrs. I'm tired of going through this with them. I had 2 collection agencies on my credit at the same time. Victoria secret is saying I owed XXXX Bucks. This is not correct. I paid my bill and they should not be able to get away with charging people fees for not using their card. That's not fair at all. XXXX XXXX  has had my account since XX/XX/XXXX. They continue to send me statement saying I owe this bill. I refuse to pay for something I did NOT charge. Please help me stop these collections and credit my credit reports.
Product: Credit reporting or other personal consumer reports

I have disputed this account for information dates are inaccurate, this has been XXXX dispute, and you are still having wrong information, that does not match my other accounts. You stated your data furnisher has updated the information. As of today, I have not received proof of the dates this charge off, the dates of charge are incorrect, and this account does not belong on my credit. This account has been on my credit for over 7 years and need to be removed. I ask that your factual check all the dates of this account and as of today you still not updated information correctly. If anything, you take XXXX days resolve my issue and provided not actual proof. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$4500.00} Credit Limit {$3500.00} Charge off {$4400.00}
Product: Prepaid card

I received a gift card from the same company and for the second time there are numbers missing on the card so I can not use it. This seems to be a recurring issue with these gift cards. Very disappointing. 

The card is for {$100.00} and I have tired multiple times to contact someone and no answer. 

Card information : Vanilla gift card {$100.00} purchased XX/XX/23 # XXXX
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, ( company ) never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Credit reporting

EXPERIAN I attached a screen shot trying to dispute XXXX items. The game they play is that if you ever questioned or disputed an account, like 5 years ago. The erroneously claim sanctuary and that they do n't have to validate the information. Please FINE them as much as possible 1- the first item is XXXX XXXX XXXX this loan was transferred XXXX, also listed on my report. the last payment made was in 2008 and the XXXX needs to be deleted as it is over 7.5 years since last payment. What EXPERIAN is trying to do is not acknowledge the transfer and showing it as a new account. NO sir/madam, FCRA does n't allow that. just because XXXX XXXX decides to transfer an account, does n't mean the history gets to start all over again. 

2-XXXX, this really irriates me, Experian Reports {$7000.00}, this account was either sold off or transferred but, I do know they received a large check from the court. Delete the entire history but, you ca n't continue to report a number that is false. I paid the BK court {$60000.00}, no way am I going to allow false and vindictive reporting to continue
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding XXXX This is past the statute in Utah and should no longer be reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Money transfer, virtual currency, or money service

I have opened an account with www.xe.com to transfer money from my checking account in USA to my savings account in XXXX. Both accounts are solely owned by me. They allowed to complete my 1st transfer, after that they have restricted my account. When I reached out to them, they closed my account without giving any reason. 

I feel very insulted on how they treated me. As a law abiding individual, I never violated anything. I feel very humiliated on how they treat me. Without asking for any verification, restricting or closing accounts is very unfair. 

I request them to accept their mistake and reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 card or prepaid card

4 credit cards were used without my authorization.

Syncb/JC Penney total amount used {$600.00}. Transactions in store, XXXX  XX/XX/XXXX New credit card was requested on my name and mail address was changed XXXX XXXX XXXXXXXX XXXX  amount {$1100.00}. 
Transaction was made in XXXX XXXX store at XXXX. New credit card requested and changed address Syncb/XXXX XXXX amount used {$5000.00}. XXXX XXXX XXXX XXXX/XXXX/XXXX Syncb/XXXX XXXX  amount used {$13000.00} on line ( # of transaction XXXX, XXXX and XXXX. ) ,3 transaction were made XX/XX/XXXX of XX/XX/XXXX. Delivery address for furniture XXXX New credit card was requested and address was changed on my behalf. Increase of credit line was requested as well, bank authorized it.