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

I met a mortgage lender XX/XX/XXXX to be pre-approved for a loan to by my first home. I found out by the credit report that I have XXXXXXXX XXXX loans. Even though I have only had XXXX XXXX  loan. I was told to reach out to XXXX. 
I do in fact have a XXXX loan from XXXX for {$19000.00} which is seen on my credit report from EXPXXXX XXXX XXXX XXXX XXXX However, my credit report also shows a XXXX loan from XXXX for {$39000.00} reported XX/XX/XXXX on page XXXX. The account numbers were even doubled. The second time I called XXXX on XX/XX/XXXX, I was told that in XX/XX/XXXX XXXX had a " glitch '' that caused people to have a duplicated XXXX loan balance. 
My mortgage broker put in a dispute with XXXX about this situation. 
I called XXXX, Experian, and XXXX. Two of the three credit bureaus said they see the XXXX and they put in disputes. 
XXXX has been called three times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in which each time I was transferred twice until I could reach the credit people. They told me that they have put in a claim and that it would take up to 30 days to be removed from my credit report and it has not. I have asked to receive a personal letter stating the {$39000.00} does not exist so I can buy a home but they did not. They said " some people '' had duplicate amounts. I will attach the letters they sent me. 
Today, XX/XX/XXXX per XXXX 's recommendation on their letter to check annualcreditreport.com it still shows the {$39000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I used the services of MoneyGram in XXXX VA to make a money transfer of XXXX Dollars ( Reference Number XXXX ) to my sister in XXXX XXXX, Its been more than 10 days without having able to receive the money or a response of where the money currently is XXXX XXXX
Product: Debt collection

Dirversified Consultant add a debt collection on my credit report on XX/XX/2018 for {$290.00} dollars that I don't know what's it about and what to get rid of it as soon as possible.
Product: Credit reporting or other personal consumer reports

I obtained my credit report from Experian and noticed multiple violations that have been stopping me from being extended credit. I wrote a letter to Experian XX/XX/year> in regard to the multiple violations per 15 USC 1681 & 15 USC 1666b and received no resolution for the violations being furnished on my consumer report. I am now submitting a CFPB complaint to rightfully have the violations fixed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts appearing on credit report XXXX XXXX {$4000.00} XXXX XXXX {$250.00}
Product: Credit card or prepaid card

On XX/XX/2018 made two purchases with XXXX XXXX XXXX at fair grounds in XXXX   County amounts of {$320.00} & {$2700.00}. I returned merchandise two days later in person with witness on XX/XX/2018 to the merchant. then came home and contacted Bank of America Visa to dispute charges, As I felt this was High Pressure sales and Bait and switch tactics by the merchant, to a senior citizen. The bank would not continue the dispute that I submitted twice. And I now have no merchandise ( nor don't want any ) and a bill for {$3000.00} to pay credit card. This is a known company who practices High pressure sales and bait and switch tactics. I feel let down by Bank of America. Case # XXXX & # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Regarding Inconsistent Credit Reporting of Repossession Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding inconsistent reporting of a repossession on my credit reports across the three major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Details of the Issue : Repossession Date : XX/XX/XXXX Account/Loan Number : XXXX Creditor/Lender : XXXX XXXX Upon reviewing my credit reports, I found that the repossession is being reported by two of the three credit bureaus : Reported by : XXXX and TransUnion Not Reported by XXXX XXXX This inconsistency is concerning, as the information should be uniform across all three credit bureaus. Additionally, the different reporting could be affecting my credit score and the overall accuracy of my credit profile.

Steps I Have Taken : 1. Disputed with the Credit Bureaus : I have contacted the credit reporting agencies that are reporting the repossession to request validation and correct reporting. 

2. Contacted Creditor : I reached out to the creditor/lender involved in the repossession to verify how they are reporting this account to the credit bureaus. 

Despite my efforts, this issue remains unresolved. 

Request for Assistance : I am requesting the CFPBs assistance in investigating this matter to ensure that the credit reporting agencies are providing accurate and consistent information across all three bureaus. I also ask that the CFPB ensures the credit bureaus follow the Fair Credit Reporting Act ( FCRA ) by verifying and correcting the information being reported, if necessary. 

Please let me know if any additional information or documentation is required for this complaint. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding my zelles 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. That has made a huge dent. Also stating that the transactions were unfeasible... 
The CFPBs findings indicate zelle has not only neglected to protect consumers but 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Per the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants has violated my rights. 

Transunion - XXXXXXXX XXXX XXXXXXXX XXXX Balance - {$5.00}, this is incorrect. 
This information is incorrect from Transunion. 
Current Address XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

The credit Bureau 's reporting is inaccurate. Furthermore, if they went back and fixed the inconsistency, they did not raise my credit score which should have been the correct outcome. Instead, Transunion retaliated against me by lowering my credit score even further because I filed a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed Accounts XXXX XXXX And XXXX with Equifax credit bureau. I disputed these accounts under FCRA section 609 ( a ) ( 1 ) ( A ) to disclose all information and FCRA section 611 ( a ) ( 1 ) ( A ) A consumer contract with my signature on it. I called Equifax on XX/XX/2018 to check status on these accounts and they said these accounts where Verified on XX/XX/2018 and did not disclose any information as was requested and didn't send any documents which is noncompliance Section 617. So I wrote another letter on XX/XX/2018 Under section 609 ( a ) ( 1 ) ( A ) and FCRA section 611 ( a ) ( 1 ) ( A ) for the same accounts XXXX XXXX and XXXX. I sent this letter certified and tracked it Equifax received this letter on XX/XX/2018 @ XXXX. The mail Receipt was received and signed by XXXX XXXX and dated for XX/XX/2018 and sent back to me as I requested. I noticed my online Equifax did report did not update in the remark box stating dispute. So on XX/XX/2018 I called Equifax and asked if they receive my dispute letter they said no. On XX/XX/2018 I called Equifax back to verify if they receive my dispute they said no. I notice no update on my Equifax Subscription so on XX/XX/2018 i called Equifax and asked if they receive my dispute they said no. I called XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, And today XX/XX/2018 and even spoked to a supervisor and no dispute had been started yet. I have evidence that they receive my dispute. I will be showing documents of the dispute letter and the certified letter mail receipt signed by someone from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke to a rep with Great Lakes and even a manager XXXX on XXXX XXXX XXXX ( they said they got my payments and in adm forebears til XXXX ) ). I called to get status of My loans to make sure they were under cares act until XXXX to get verbal confirmation they were reporting it correctly As well as to get date so I would be prepared. I was told my loans were under cares act Another reason I called was because I spoke to XXXX XXXX Ombudsman with dept of Ed ( earlier XXXX ) and she said aGreatlakes and nelnet were reporting I had not paid anything XXXX. Plus I has received a letter after I made 4 payments through XXXX from Great Lakes saying that they only received XXXX payment! This was before they sent me a detailed list with payments i made, a late XXXX for interest and I paid an extra payment they were collecting and I didnt have to pay! I have never experienced a company like this!!!! It seems like they are trying to take from people anyway! Mess up credit and loan status they manipulate to their advantage.both Nelnet and Great Lakes ..they change status to deferred or forebearance prior to coronavirus vs repayment in order to run them out!!!! this letter says I agreed to resume payments in XXXX but I didnt I wasnt working during the summer! Seem like bullies they both sent conflicting letters throughout my time! Its bad enough nelnet came in picture XXXX because Great Lakes gave the loans I disputed several times and they seem to mix up loan information/conversation between the three companies and in phone the seem to say wrong thing then correct it!! I realize all of this is being recorded they have!! If it wasnt for the illegal entries in my apt , Forged docs and stolen signed green return card ( deleted out of mailing system found receipt and I saw green certified card signed by XXXX something day before made police report I organized them ) XXXX pension with XXXX may be stolen and a weird XX/XX/XXXX Ascension ( Great lakes company- I didnt know who they were especially based on weird letter.nothing attached.. I was updated in payments on loans and they send a letter ... I thought it was a bogus debt collectors ) regardless something is so off with all three companies1.Big picture if i didnt see all this ... I wouldnt believe they were trying to steal from government and consumer!!! Great Lakes keeps changing my phone number and both companies said they dont do hyphens very odd but I think they are changing my name because they wont pull names together ... there is a dispute regarding a fake XXXX promissory note in name XXXX and my signature was crooked on bottom!!! Copies of certified disappeared- with hacking this can be updated to paid because I saw documents credit reporting and much conflicting info in various sources?? Looked like a setup ... .technology is more advanced than people know to- easy to steal our money ....
Product: Debt collection

Amos Financial LLC sent me an Affidavit in XX/XX/XXXX stating foreclosure on Dallas property that was filed in Illinois. Previously in XXXX I asked for verification of debt and never received it. I also never received an initial contact letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this matter several times by mail also i have disputed online and by phone.The issue im having with TransUnion is its a chargeoff/collection thats reporting open on my transunion report the name of it is XXXX. I want it deleted Immediately due to inaccurate reporting i will attach the the proof along with this.Also TransUnion is the only bureau reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inquiries and accounts that are not violation of 15 USC 1681 XXXX XXXX XXXX and 15 USC 1681 XXXX XXXX XXXX I never instructed them to furnish my reports. I am demanding right now deletions of all violations and inaccurate information off my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCR act. Under 15 USC 1681 my federally protected consumer rights of privacy and confidentiality were violated by the accounts listed below. 
XXXX XXXX : # XXXX Verve # XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX. of XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602A States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I never gave.

15 U.S.C. 1681c section ( a ) ( 5 ) States ; no consumer reporting agency may make any consumer report containing any of the following items of information : Any item of adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following information in my credit report. The items I am disputing are listed below along with the reasons for my dispute. According to the Fair Credit Reporting Act ( FCRA ), this information must be removed or corrected if it is found to be inaccurate or can not be verified. 

The disputed items are as follows : - **Account Name** : MIDLAND CREDIT MANAGEMENT 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  - **Recent Payment** : None - **Monthly Payment** : None - **Original Balance** : {$1100.00} This information is inaccurate and should be deleted from my credit report. 

As a consumer, I also request to know all the steps your agency took to ensure these items were 100 % accurate. Under 15 U.S.C. 1681i ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in 15 U.S.C. 1681g ( c ) ( 2 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided by the agency, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. 

Additionally, under 15 U.S.C. 1681e ( b ), 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. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please provide a description of the verification procedure you used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this information.

I expect your prompt investigation and resolution of this matter, as well as a response within the required 30-day timeframe.

Thank you for your prompt attention to this important matter.

How and what method did they use to verify and investigate this account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$81.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint last month about using my new credit card and how XXXX took 126 point from me. They still haven't corrected this and I used my credit card again spending XXXX dollars on a XXXX limit and both XXXX and Equifax took points from me two weeks after purchase. My credit was in good standing until I used this credit card from XXXX XXXX. I dont get how my credit is going down for using a card and no one will explain. I was planning on purchasing a new work truck but I can't now. 150 point down on XXXX  and 30 point down on Equifax just for using my first credit card.
Product: Debt collection

Regions bank has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.
Product: Student loan

Very unethical company! For the first XXXX months of loan repayments starting in XXXX XXXX XXXX, the wait time on phone calls was XXXX hours and their online chat function was not XXXX, but would disconnect with you after you submitted all your personal information. Their email auto-response said to allow up to XXXX days for a response ; in fact it took weeks to get feedback. For my account, they under-represented my payments by several XXXX dollars ... for weeks my online account status was incorrect in their favor. 

Out of an abundance of caution, I overpaid my account by {$51.00} in XXXX. Many weeks/months went by with no refund. On my initial contact to the company, they told me they had issued my refund XX/XX/2023. When I replied that I did not receive this refund, they replied ( days/weeks in between emails of course ) that the US Dept . of Education dictates refund timeline. Every time I finally get a reply from them, it's different than their previous message. ED Financial has owed me {$51.00} for over XXXX months now. I realize it's a small amount of money, but this is more about principle. This is an AWFUL company with awful, deceiving business practices. Imagine how much profit they enjoy from holding people 's money like mine and making interest on it! {$51.00} across tens of thousands of loan recipients must be a cash cow for XXXX XXXX and his awful business!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX Texas, XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : XXXX USC XXXX : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute. 
XXXX USC XXXX ( XXXX ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( XXXX ) in question do not comply with this standard. 
XXXX USC XXXX ( XXXX ) : Specifies my right to dispute information I believe to be incorrect or misleading. 
XXXX USC XXXX : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report XXXX be due to identity theft, which would be a violation of this statute. 
XXXX USC XXXX : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXX point : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXX credit service : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. XXXX a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX, XXXX