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

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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 ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts 1. XXXX XXXXXXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. The XXXX Credit Bureau had their record-keeping been accurate, and no proof of payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am trying to buy a house and the mortgage company told me to remove disputes from my credit report. I have talked to all 3 credit bureaus but Experian will not remove the dispute comments from the accounts. The just opened another dispute. I need these dispute comments to be removed so I can move forward. I have tried every attempt to correct this but Experian just ignored me. Please help!
Product: Bank account or service

At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.
Product: Credit card

XX/XX/year> I Called to have annual fee removed within billing cycle or period. Bank refused I closed my credit card account - company said they filled out a complaint form over the phone..no verification provided. 
Arvest Bank said I would still have to pay the cards annual fee even through cancelation. 
I requested to a supervisor was refused told ; We do not provide customers that. 
closed card over the phone only verbal no verification provided only : This account was closed asked several times over phone call. 
I was placed on hold twice told ; You used the card once in a year, yet was told before that on same call we can do nothing, So i was lied to at the onset of the call there are reasons to remove the fee- was told i have to pay the fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelle 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle plenty of times & reporting issues, my financial institution & Zelle failed to investigate my claims in a timely manner. I was informed that recovering lost funds was impossible & unfeasible for their company. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit and gain from their system. The lack of accountability & transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

HUNTER WARFIELD INC Reported a Collection on my credit report that I did not owe. 
I never received any written notice or any communication about such debt. I also never interacted or transacted with this lender. I have reached out and they continue to ask for personal information to try and collect information that they should have if I truly had this account. They refuse to remove this inaccurate debt record and I would like this removed immediately.
Product: Vehicle loan or lease

On XX/XX/year> the car financed by Chase ( Loan Number XXXX - VIN XXXX ) was damaged by storm surge. 
On XX/XX/year> I called Customer Service at XXXX XXXX  and the rep refused to notate my account about the damage. I was then transferred over to XXXX how kept telling the insurance has totaled it and GAP has nothing to do with the car and would not cover the anything ( not even the deductible ). She was too busy trying o keep telling me about my contract obligations. Total Loss XXXX XXXX XXXX on XX/XX/year> Chase XXXX XXXX - Chase still did not have a record of the GAP information. I had to force the supervisor of the loss department to take the GAP information Another question or concern- why does the GAP have to have the loan payment information directly from the lender. If they would have taken it from me, then I would not be so stressed out. 

GAP company ( XXXX Claim number XXXX ) It is XXXX XXXX  XXXX XXXX XXXX Phone : XXXX Fax : XXXX / XXXX, XXXX XXXX XXXX, XXXX XXXX PA XXXX. Please have your lender and insurance send the needed information over as soon as possible. 

Here is the problem if the lender is refusing to take the information then how can I get it it over to the GAP company?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years!  They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish  credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me,  and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account name : XXXX CO XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX All have violated my rights. XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has been reporting innacurate information to XXXX transunion and XXXX. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Preferred Lease. Preferred Lease has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Preferred Lease. They received it certified mail and signed off on XX/XX/21 at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately from my credit report.
Product: Credit card

In XXXX 2016 I received my statement from Bank of America with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in XXXX showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.
Product: Student loan

As of XXXX, XXXX, I was in possession of eight Unsubsidized and Subsidized Direct Student Loans ( Student Loans ) serviced by EdFinancial Services ( EdFinancial ), totaling {$27000.00}. These loans were used to fund my college tuition at XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. 

Separate from my Student Loans, my mother also possessed her own Direct Parent Plus Loans ( Parent loans ) for my college tuition, totaling {$67000.00} as of XXXX, XXXX. In XXXX, XXXX, I received a letter from EdFinancial that my Student loans were incorrectly paid in full. I have attached EdFinancials letter as Exhibit 1. Rather than correctly applying a large lump-sum payment that my mom had directed toward her Parent Loans, EdFinancial wrongfully applied her payment to my Student loans. I have attached a copy of the check used to make the payment as Exhibit 2. In doing so, EdFinancial altered my account information without my consent, so that my home address matched my mothers current home address listed in Exhibit 2. Due to Edfinancials mistake, I have been unable to make regular payments towards the principal of my Student loans, while my mothers Parent loans continue to accrue interest. 

After I discovered EdFinancials mistake, my mother and I have each repeatedly contacted EdFinancials customer service team to resolve the issue. That month, my mother submitted formal inquiries through EdFinancials online portal informing them of their mistake in crediting my account with payments that were clearly marked for my mothers Parent loans. However, she received no subsequent indication that a correction had been made to her account. On XX/XX/XXXX, I contacted EdFinancials customer support staff by phone, and was promised by EdFinancial that they would resolve the payment error on their end within 60 days. In a follow-up call with myself, my mother, and EdFinancials customer support staff in XXXX, XXXX, EdFinancial again promised they would ( 1 ) fix the mistake with my Student loans and my mothers Parent loans with their financial department, and ( 2 ) not charge my mother for any interest accrued as a result of their mistake. Yet, in XXXX, XXXX, I received an email from EdFinancial Services acknowledging the payment meant for my mothers Parent loans, while failing to remove a new {$45000.00} refund balance that is now present on my EdFinancial account. I have attached a copy of the email as Exhibit 3. I have since repeatedly informed EdFinancial that a refund of {$45000.00} to my account would be insufficient to resolve their mistake, as I can not afford to reimburse my mother for the remaining {$22000.00} on her Parent loans. However, in XXXX, XXXX, my mother and I both received tax forms from EdFinancial that continue to show incorrect balances for each of our loans. I have attached a copy of the balance on my Student loans as of XX/XX/XXXX as Exhibit 4.
Product: Credit reporting or other personal consumer reports

In accordance with 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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX 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 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.
Product: Debt collection

I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter
Product: Payday loan, title loan, or personal loan

Settled a loan Two years ago with one company now another company has to loan, now they wants to paid again calling wants me to submit document. I told the to call the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX XXXX  into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experians actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX XXXX Balance Owed : {$3200.00}
Product: Money transfer, virtual currency, or money service

I run an mobile clothing business and I used square as my merchant. On XX/XX/23 I had an customer place multiple orders totaling out to {$800.00}. The money was not available in my account but Ive processed multiple payments so I thought nothing of it. Hours later I get an email stating my account is under review and I need to provide documentation. Ok no big deal, provide the docs and then I waited for an response. Didnt receive one by the next day, so I called customer support and was told that all my documents and answers except one had been verified. The customer service representative told me call back at XXXX and it should be cleared. A couple hours later I received an email stating that my account is being closed. I immediately called customer support back and was told that they decided to close my account, but couldnt disclose the reasoning because its an program who runs the information and decides. I believe it was done in error because I havent broken the terms and conditions and there is nothing fraudulent going on. I talked to the customer to make sure it wasnt a chargeback or anything and the customer sent me screenshot of the money leaving his account. So square definitely has the money and are telling me they cant release it until XX/XX/XXXX. As a XXXX  XXXX  and a XXXX  XXXX  XXXX  this wait time is unbelievable. My square account has never had a chargeback, a fraudulent payment, has had transfers in and out multiple times. I dont understand how or why it was closed, and how they can hold legitimate money for three months. I also was told by a representative that I could refund the money back to customer and accept a different method, but the customer already has the items. That isnt financially safe for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and LEXISNEXIS have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and XXXX all state that they have received and verified information from LexisNexis who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from LexisNexis a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for LexisNexis to furnish any date on my behalf which is required per FCRA.
Product: Credit reporting or other personal consumer reports

THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX ) ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I previously notified Experian that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, XXXX, Experian ) Dept Ed/XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, XXXX, Experian )
Product: Credit card or prepaid card

We will try to contact the company as well, but in dealing with credit company reps we seem to not always have good outcome, so hoping your agency will reach out as well please. This is for Lowes Store Credit Card. We went into the store and asked to make the final payoff on our card. We were told it was {$360.00} which we paid. This amount went toward a balance of {$320.00} plus what the store rep showed as payoff. 

We have since received another bill for {$1.00} which appears on the statement difference toward fees of {$39.00} and interest of {$1.00}. 

In dealing with these last interest bills on another store credit card we learned there is no way to ever provide the amount due without continuing to incur more interest. We ask that you please communicate with us asking the Lowes credit card provider to waive this last interest amount of {$1.00}. Our request is based on the fact we asked the store to please provide us on the day we gave them a check for " account balance payoff '', which we submitted as asked of us.
Product: Mortgage

My mortgage was transferred to this company in late XXXX. I sent them a payment, I am currently under a bankruptcy process here in NY. My original loan provider, XXXX XXXX, XXXX. sold my loan to this POS organization. I am required to send payments under a trail period before XXXX XXXX would agree to a permanent loan modification. Rushmore has claimed to never received my XXXX payment thus putting my permanent loan modification at risk or in fact now cancelling it out because they claim I never made the payment, which I did and have proof of. 
The payment amount was {$970.00} and was delivered to these XXXX onXX/XX/XXXX, I have the XXXX XXXX Mail receipt to prove they received it and a copy of the bank check stub that was sent in payment.