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

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Premier Bankcard/First Premier ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$600.00}, but the reported balance after charge-off is {$920.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Student loan

I have been repeatedly working to consolidate my student loans, seeking a short term forbearance until the process is complete. Due to financial hardships and a recent divorce, I am not able to make the payments as agreed. I have been repeatedly harassed by the EDUCATIONAL CREDIT MANAGEMENT CORP, XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone # XXXX, who is trying to collect on XXXX loans that were cancelled by the XXXX XXXX XXXX. I am seeking a consolidation of all students loans and currently awaiting a decision from XXXX on the short-term forbearance. I was deceivably told I can not apply for a consolidated loan or forbearance because my loans were in default. Per the Department of Education, I am told I do have to option to consolidate : XXXX
Product: Checking or savings account

My checking account was unsuspectedly frozen and I was requested to visit Regions bank to verify my identity and they would release the freeze and I will have complete access to funds. Regions have not done so. After the pain and suffering of not being able to access my funds I ordered Regions bank to close my account immediately and send the remaining funds in a cashiers check to the address listed on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021I noticed EXPERIAN has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EXPERIAN has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EXPERIAN in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EXPERIAN permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EXPERIAN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Mortgage

My taxes went up $ XXXX, and my insurance $ XXXX. that is {$2800.00} total, or $ XXXX, more or less. 

MY PAYMENT WENT UP $ XXXX. 

YOU ARE XXXX. 

THIS HAPPENED LAST YEAR TOO, I HAD TO COMPLIAN 4 TIMES AND YOU REDUCED MY ESCROW BY $ XXXX AND GAVE ME A REFUND OF {$3200.00}. 

YOU ARE XXXX NOW FOR A SECOND TIME. 

FIX IT.
Product: Debt collection

Dear Sir or Madam : PLEASE DELETE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA. XXXX THIS IS NOT MY ADDRESS. 

PLEASE HAVE THE FOLLOWING ( 7 ) ACCOUNTS DELETED WITH THE INQUIRIES LISTED BELOW. I NOTICED THAT ( XXXX XXXX XXXX WAS REPORTED TO MY CREDIT AND THESE ARE HER ACCOUNTS ALSO. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX CLOSED BUT STILL SHOWING A BALANCE OF {$600.00}, XXXX XXXX XXXXXXXX AND XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) - XXXX XXXX AND XXXX XXXX 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ]
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This is the second attempt at this company as you have it wrong by the first decision as I believe you misunderstood what the issue is. Let try this again with more clarity.

Me, Myself or I NEVER gave this NON PROFIT ORG 501 ( C ) 3 a SSN, who has and is deceptively trying to collect a debt as a debt collector. So now let me ask you this. How in the actual XXXX  can a NOT PROFIT ORG 501 ( C ) 3, DEBT COLLECTOR who got this SSN by whatever OR however means. A NOT FOR PROFIT 501 ( C ) 3 that has a deduction for public charity from organizations. Well guess what, I am the beneficiary of that organization with all my notices, documentation and whatnot describing who I am into the public. Getting threats by an attorney who got this SSN through this NON PROFIT ORG. 501 ( C ) 3 with threats of being jailed if I don't pay to there charitable NON PROFIT ORG. 501 ( C ) 3. I have evidence of everything I'm telling you whereas the first time you state they did nothing wrong. THIS IS UNACCEPTABLE NOT to mention crimes are being committed by this NON PROFIT 501 ( C ) 3 ORG and you're telling me they did nothing wrong. How about sending a name behind the next denial statement. This needs to be investigated. I have discovered how this system is suppose to work, MY SIGNATURE CREATED THIS LOAN AND THEY STOLE IT! DO YOUR JOB!!! I OWN THE COPYRIGHT AND TRADEMARK/TRADENAME OF THIS LEGAL FICTION/CORPORATE ENTITY THAT WAS CREATED UNLAWFULLY. I am the beneficiary of the XXXX XXXX XXXX  trust I attempting to get an accounting of and they are refusing to provide ANYTHING. In there debt collection letters they state, " if you file for bankruptcy, you are still required to pay the whatever or I won't get the title to this property ''. You know what they call that?

EXTORTION, XXXX  JUST TO NAME A COUPLE. 18 U.S. Code 894, 18 U.S. Code Chapter 95. THIS IS CORRUPTION. I never signed any contract with these people as this debt was SOLD to these crooks and I have proof. They claim to be the original lender, then claim they are not the original lender from another party of this NON PROFIT ORG. 501 ( C ) 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) ; XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has violated my rights on multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX BANK SELF LENDER, SELF LENDER INC, and XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax you are reporting XXXX XXXX on my report but there is false incomplete information .Remove this account for violation s.enclosed are the documents show my case
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes in the light of recent CFPB lawsuit that highlights 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 infeasible. 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. The 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 was a victim of identity theft and my EXPERIAN credit report had one charge-off ( XXXX XXXX XXXX  ) and two collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX ) on it. I mailed EXPERIAN a certified letter with my police report, identity report and the criminal report of the suspect that is now in custody that stole my identity. EXPERIAN deleted the three accounts from my credit file and then a couple of weeks later without notifying me re-inserted all three files. i sent a demand letter for a thorough investigation however they never responded.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX BANK XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing negative items again, even when accompanied by an FTC report. As mandated by law XXXX of the FCRA. If you fail to remove the inaccurately reported items listed below, which are a result of identity theft, I will be forwarding my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following fraudulent items, which were opened without my consent or knowledge : 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 XXXXEquifax 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 If you assert that these items are completely accurate and verifiable, I request you provide me with copies of any associated documentation that bears my signature, as I know none exists. Without such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. These accounts are unfamiliar to me. Additionally, the information provided on these accounts was deleted by other bureaus, raising doubts about their accuracy and reported payment history. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind, you have XXXX business days to remove the reporting of any items in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification. I appreciate your immediate attention to this matter and expect a response within XXXX business days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to extremely poor customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). I want to specify that Cash App ( Block, Inc. ) failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Moreover, their dispute resolution process is deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Cash Apps neglectful actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

A company by " FCR collection services '' is using improper practices claiming to have a debt in my name. An individual keeps calling threating to have me put in jail over a debt they cant confirm. I feel like I am being harassed with lies and false claims causing mental and psychological distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Debt collection

This company calls my phone number at least 10 times per day, including multiple text messages looking for another individual that I am not related to, familiar with, etc., and although I have told them various times to remove my phone number from their file and to never call or text again : they continue to do so. I have been telling them for the last two months that they have the wrong number : but the calls, texts, and harassment continues all times of the day and night, including weekends! The texts state their number is XXXX and the number of the company is First National Collection Bureau , Inc . They call from multiple numbers, as well as text from various phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account - XXXX {$16000.00} XXXX  XXXX XXXX I filed an affidavit of Fraud along with a police report in XX/XX/2018 to Experian Credit Reporting Agency, the fraudulent information was removed and reinserted within 30 days. According to the credit law 611 the Fair Credit Reporting Act also requires the credit bureaus to inform consumers before the re-report a negative listing. Experian has violated my rights and I need resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, XXXX and Experian. Several accounts on each file. This particular complaint is against Experian. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' Experian, XXXX and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my Experian, XXXX and XXXX Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act #  XXXX Paid/ Closed I would like the following files removed from Transunion and XXXX method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX   XXXX XXXX XXXX pertaining to XXXX/ XXXX XXXX  XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX   XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like Experian and XXXX to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Product: Credit card

On XXXX XXXX, I made a payment of {$31.00} that wasnt credited to my account until XX/XX/XXXX. I was charged a late fee of $ XXXX XX/XX/XXXX. The amount due was {$30.00}. 

On XX/XX/XXXX, I made a payment, {$75.00}, that appears on my XXXX statement XX/XX/XXXX and I was charged a late fee. 

On XX/XX/XXXX, a payment was cashed from my account. It wasnt applied to my account and I was charged {$39.00} late fee. 

On my XX/XX/XXXX statement, the payment is applied, XX/XX/XXXX and I am also charged a late fee, {$39.00}. 

I sent an email requesting the refund of the late fees. Avant  refuses to refund the fees. 
XXXX XXXX
Product: Debt collection

I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO XXXX  XXXX XXXX CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The total amount of accounts you are reporting in my credit report is incorrect. My balances do not equal to {$XXXX} I have no idea where or how Transunion calculated this number but its wrong. 

2. My XXXX account is reporting and showing the wrong balance. 

3. The XXXX account is reflecting in the status area as a collection account. This account was paid in full even though its not mine. I have disputed this account so many times and each time Transunion says the verified and conducted an investigation, they provided nothing to show the results of there investigation or who they spoke to or any documentation to support that own this account. This account does not belong to me and its not a charge off.
Product: Debt collection

They claimed that I have three accounts with them that I did not recognize, they did not respond appropriately to my debt verification request and reported three false accounts to XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all XXXX agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.