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

On XX/XX/2023 I made a phone call to a debt collector that was hired on behalf of XXXX XXXX. My original account with XXXX has been in dispute over my ex wife opening it without my knowledge, this company had told me that for XXXX dollars I can settle the entire debt and that it would delete it from my report. In an attempt to simply put the entire thing behind me I agreed and I paid it. They assured me that Id get a letter in the mail and that no more than 30 days the account would be deleted from my report. I have not gotten any letter nor has it been deleted. This account is roughly one year from the 7 year period meaning it would fall off on its own. When I explained that they then told me to pay less and they would make sure it was deleted. I attached a photo of my payment to them as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX  plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information. 
2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that this account will be corrected. 


XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX ACT # XXXX XXXX. XXXX ( NO PAYMENT HISTORY WHICH MAKES IT INACURATE ) ACT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX 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 an account without my written instructions 15 U.S.C. 1681 c. ( 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. 


XXXXALSO HAVE PROOF THAT THE COLLECTION AGENCY HAVE DECIDED TO NOT RESPOND TO ME BUT IS STILL BEING REPORTED. *
Product: Checking or savings account

On XX/XX/2013 someone made a deposit of the amount of XXXX $ in my bank of america account and the check bounced they closed my account and reported fraud on my XXXX XXXX   and XXXX XXXX report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/1994 SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received a check from my employer in the amount of {$1000.00}. I used my bank mobile app to deposit the check. I wasn't sure if the mobile deposit when through properly, so I contacted my bank ( XX/XX/2020 ) through their online chat and spoke to a representative. I asked was their a check in the amount of {$1000.00} pending. I was informed that there wasn't one pending. After I got the information, I decided to cash the check at a local PLS check cashing place instead of using the mobile app again. Later that day, the check that I was told wasn't pending, actually was, and deposited in my account. Now I have cashed the same check twice. I contacted my bank immediately and told them the situation, and I was informed the check that was deposited will be returned within 2-3 business days. 2-3 Business days pass and the mobile check was never returned. Friday ( XX/XX/2020 ), I called my bank back, told them the situation again, and I was informed the check should be returned in a few days.Then on Monday ( XX/XX/XXXX ) I get a call from PLS, the check cashing place I went to cash the check at, and was informed that I need to return the cash because the check " had been returned unpaid ''. I told them I would return the cash. I contacted my bank and informed them that I would be returning the physical cash to the check cashing place and no longer needed them to return the mobile deposit. I was told, since I'm returning the cash, no further action will be taken on my account and I don't have to worry about the money being taken out. Later that day, at XXXX XXXX, I returned the cash to PLS bank. Then later that same day, my bank took the money out my account as well, after telling me they wouldn't. Now I'm completely out of my check. I was informed by my bank, I need to get in contact with my payroll at my job to get a replacement check. I was informed by payroll that I can not receive a new check until the funds are returned to them, and on their end, the funds state " Paid ''. After two weeks of discussing it with my payroll and XXXX, we discovered that PLS Check Cashing Services processed the check and were paid. I contacted them this morning and told a representative from PLS the situation and I was informed they never received the money from XXXX, so they can't send the money to me, until they receive the payment from XXXX. But XXXX is stating the money was already paid out to PLS.
Product: Credit card

Credit card charges excessive amount of fees for processing fee to open card excessive amount of fees for annual fee to open card then a excessive amount for interest this company is a bandit and they due not practice fair business and I was supposed to get a double line credit increase which they somehow changed my payment information for the first month late this company is scamming people with low credit and low income to draw them into default the minimum person can not afford this card with so many fees and interest and if they give you a credit line increase they charge you for that
Product: Debt collection

According 15 USC 1681 which governs access to consumer credit records. My information was exposed in a data breach. My social security number and personal information were exposed. I do not recognized any debt noted in my Experian, XXXX, or XXXX credit reports.
Product: Credit card or prepaid card

I have been waiting for my card for 5 weeks it isnt in mail yet
Product: Credit card or prepaid card

Greetings, I filed a fraudulent dispute since last year and early this year again and both times they have denied my claims without any response to my claim or explanation. I am so tired trying to fix this issue with this company, my line of credit was XXXX dollars and now they say that my balance is XXXX dollars. This is so unjust and unfair, I was a victim of theft, fraud and the black web victim as well. I have police report and the other companies have done they part to resolve any problems that I had but yet PayPal and synchrony bank have not done anything to help instead I keep receiving disturbing phone calls from very rude workers and I had to silence my phone in order for me to get some sleep as I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran with severe health issues. I have another account with synchrony and they see that I dont have any issues with this card. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 XXXXhas violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently deleted from my credit report
Product: Debt collection

I was XXXX  and multiple Credit card accounts were opened and closed during both times of my XXXX  I was in XXXX  from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX and also XXXX  from XX/XX/XXXX until XX/XX/XXXX of XXXX during both times credit card accounts were opened and have resulted in unpaid debts that I never created while being in XXXX  I filed fraud through capitol one both times didn't work and also filed a dispute with XXXX and uploaded supporting public record documents that shows I was in XXXX  during the times those accounts were open and closed.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus violated the FCRA and have not removed the fraudulently accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days They received a police report, a theft affidavit and supporting documents to identify myself.
Product: Checking or savings account

I received several emails on XX/XX/30 identifying a pending checking account application with Wells Fargo ( that is fraudulent ). I contacted their fraud department on XXXX and provided the application reference number ( and was even able to go online and pull up the application myself including all details ) and offered to provide any other details from the application. They informed me that there was nothing they could do to access or prevent the application from being approved and that they had no way to actually access the pending application ( notwithstanding that they have a public-facing portal that provides access to pending applications ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 and tracking these transactions was unfeasible. The 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I have attempted to worked with PENNY MAC to restructure my loan with an affordable loan modification. PENNY MAC refuse to grant me loan mod and forwarded my loan to a lawyer for foreclosure.
Product: Credit reporting or other personal consumer reports

inaccurate and outdated information, incorrect information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Unauthorized Collection Account Account Number : XXXX Creditor : XXXX XXXX / XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the collection account from XXXX XXXX ( Account Number : XXXX, reported under XXXX XXXX XXXX, which appears on my credit report. I did not authorize this debt, nor have I had any knowledge or business dealings with this company.

In accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this debt and request immediate validation. Furthermore, if this debt has been sold to another company or third party, I am not legally obligated to pay it, as I have no contractual obligation with any third party related to this account. 

Additionally, I did not provide any written consent for this account to be opened, nor did the company provide me with any written consent or verification of the debt. I also have not received a 1099-C form, which is typically required when a debt is forgiven or sold off. The absence of these documents further supports the fact that this collection is not valid, and I request its immediate removal from my credit file. 

Please investigate this matter and provide documentation proving I authorized this debt, or remove this inaccurate collection from my credit report promptly. The inaccurate reporting of this account has negatively affected my credit score, and I expect corrective action in compliance with my rights under the law.

Kindly send written confirmation that the account has been removed from my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate reporting by the credit reporting agencies regarding XXXX XXXX. I do not know owing them any amount. Furthermore, there are several discrepancies in the reported information between TransUnion and Equifax - TransUnion reports a monthly payment of {$0.00}, whereas Equifax shows {$540.00}. 
- The date opened has a XXXX difference. 
- The balance reported has a {$9800.00} difference. 
- The number of months reported has a XXXX difference. 
- The past due amount has a {$1500.00} difference. 
- The last date reported has a XXXX difference. 
- The last date active has a XXXX difference. 
- There is also a discrepancy in the last date of payment. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Finding unauthorized inquiries on my credit report tonight was really upsetting, especially since I dont know where they came from. I check my credit report regularly, but this time there were discrepancies that caught me off guard. I tried refreshing the page, hoping it was a glitch, but the inquiries remained. Im frustrated by this and urgently need the documents Ive sent to be thoroughly reviewed so that I can finally have peace of mind.
Product: Mortgage

On XX/XX/2021, I spoke with Quicken Loans about mortgage options. To my knowledge, At no time was I told or informed that quicken loans was going to pull a credit report. I did not sign any document giving them permission to pull credit report. Furthermore, quicken loans pulled a copy of my wife 's credit report without her knowledge or permission. 

I complained to " loan executive '' XXXX XXXX & he claims that he has on a taped phone call ( illegal in state of Florida ) a conversation giving him permission to pull credit report. 

I demand that this company be prosecuted to the full extent of the law & that their license to peddle loans in the state of florida be revoked
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX office at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX open a account for me. I saw with my XXXX   XXXX  app 1 hour after that they check my credit score to do some operation. I told to them that I don't want any credit and want to pay all in full. So I was going back to the office 3 hours after and cancel all the process.But they don't care and I saw 1 month latr that the account still opened without use the service by myself. 
I call the customer service told me that they is no problem and they will cancel everything.

Few month later I receive a call to pay a invoice, I explained again and now they put a Derogatory marks on my credit score for {$100.00}.

Again I never have the service and never use XXXX  service, so please help me that their people respect the laws.

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

I was given a charge that was not valid on my capital one account, and it was reported that the charge was late, and I was never notified of the late charge, and said charge was then listed on my credit report. When I notified Capital One that the charge on my account was not my fault and a mistake, they corrected it and even credited my account the late charge they charged me, that I paid, but refused to report their mistake to the credit agencies stating that I was still at fault. Which confused me, because they reversed the late charge and credited my account. I want the late status removed from my credit report, because I'm trying to buy a home and this blemish is hindering my credit rating. 

Please help with this dispute, thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking XXXX, XXXX, AND TRANSUNION to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and XXXX XXXX XXXX.