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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Incorrect Information : 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
Product: Debt collection

This company reported to my credit bureau. They do not have an accurate social security for me on their file during the time of reporting nor do they have accurate filing tactics. Code 15 usc 1681c-2 is being applied to this complaint. Ive noticed a mark on my credit report from this particular agency and it took 90 points off of my credit and I would like this removed. Im attaching document that s
Product: Debt collection

XXXX XXXX XXXX filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either XXXX XXXX nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX** ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in XXXX to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information contained in my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I found inaccurate information that is both incomplete under the standards set by the FCRA. Additionally, the account ( XXXX ) in question are not reported in accordance with XXXX XXXX guidelines, which are essential to maintaining accuracy and compliance across all credit reporting agencies. 
# # # Disputed Information : - *Creditor Name : '' ( XXXX XXXXXXXX XXXX XXXX XXXX - " Account Number : '' XXXX BALANCE : {$520000.00} - XXXX XXXX XXXX XXXX  ** incorrect payment history. 
inaccurate balance and Non-Compliant The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information '' they include in a credit report. The disputed information mentioned above does not meet the standard of " maximum possible accuracy. '' Furthermore, please ensure that the creditor in question complies with 15 U.S.C. 1681s-2 ( b ), which obligates them to report accurate information to the credit reporting agencies and correct any error i found.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 



I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting.XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wanted to try to repair my credit and take care of my credit, so I got a copy of my credit report. duties and observed several accounts that I felt needed a little more clarification. Not that they are, mind you. reporting accurately or incorrectly. It's just that I'm not entirely certain if they are. Additionally, I read something titled the According to the Fair Credit Reporting Act, I am legally entitled to contest any information that I am unsure of being true. A few of I am writing to you all because of the people who are reporting things about me that I have never heard of.Are you aware with 15 U.S.C. Sec. 1681i ( a ), which states that a consumer reporting agency must follow reasonable processes to ensure that the information regarding the person to whom the report relates is as accurate as feasible at all times while preparing a consumer report? I've heard that these accounts have to be removed if you are unable to produce proof. If these accounts are not entirely accurate and factual, then I would like them to be erased. Therefore, can you kindly look into them and come back to me? I watched this lawyer say, " You have 30 days to finish this investigation, '' on a credit site and board. If there is anything missing or incorrect from the following accounts, kindly look into them and remove them. 

ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.
Product: Student loan

I was enrolled at XXXX XXXX XXXX XXXX from XXXX. I, like many students, were mislead by recruiting, lied to about many things during enrollment, most notably job placement and salaries I would make after graduating from XXXX XXXX. Implying that these loans would be manageable because I was a XXXX grad and doors would open, and success would follow. Everything they said was false. I have never came close to what was touted by recruiters in terms of income or success and I have tried very hard to make that happen. It has been XXXX  years and my loans have always seemed to go up. I have been making payments the whole time under a rate reduction program. I have applied for borrower defense to repayment twice, and my second application was approved, and apart of a class that had their federal loans automatically XXXX. This happened for me XX/XX/year>. I believe that I am eligible for a misconduct application, full discharge of my private loans and refund of all payments made to Navient. The lawsuits against schools regarding issues of misconduct has been approved by judges already, and XXXX is guilty of these manipulative and devastating tactics that have robbed us. Robbed us for our time, money and a life in general with CDCs, XXXX XXXX XXXX manipulative, misleading tactics to trap us in these loans forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX with financing from Citizens Bank. Order was placed on XXXX the XXXX, item set to arrive on the XXXX, then I got a notification of a delay and availability for the XXXX. The order said I had until the XXXX  for pickup. When I went to go pick it up after waiting over an HR it was made known that my product wasn't there. I emailed the manager 3 times with no response. Called customer service multiple times, corporate, XXXX XXXX forums, XXXX XXXX XXXX as well as going to XXXX physical stores multiple times to speak to a manager. XXXX XXXX XXXX was never available. Manager at XXXX XXXX hasn't been at the store for XXXX months as I have visited multiple times hearing different excuses. Then visited another store in XXXX with a XXXX which was also no help. After exhausting my resources I called Citizens Bank. I explained what happened and what my options were which I was told they aren't responsible for supplying consoles and that I could just close the account since my efforts were leading nowhere. Days later I applied for a credit card and my credit line originally offered was reduced. It was because I received a deragatory remark from Citizens Bank with remark stating " paid by dealer ''. I called Citizens Bank and they said they'd repair it and after another 8 contact attempts with them not relieving the problem I asked to speak to, '' XXXX '' the manager. XXXX offered no assistance and gave me attitude unnecessarily. I contacted XXXX and XXXX and challenged the damaged credit from Citizens Bank. I have attempted 5 disputes with XXXX getting denied each time. I have sent a demand letter to XXXX Bank with no response as well. Citizens Bank mandates what everyone knows as corrupt when it comes to arbitration. It took me years to build my credit and I have now taken a hit unnecessarily at no fault of my own and a creditor for a new card lowered my credit availability by thousands of dollars as well.
Product: Credit card or prepaid card

I have reached out Capital One on XX/XX/XXXX or XXXX I believe this year. I had a payment over the phone with someone and they charged be mort that I agreed after I gave them my card information. During the ongoing dispute Capital One said even after I filed a police report against these people it is not a crime because I have had business with these people. It is a crime to use someone credit card information withdrawing a different amount that the person agreed. They are about closing the dispute now since early XXXX saying it was not a crime and rebilling the XXXX dollars.
Product: Debt collection

Sent Greensky paper work on XX/XX/XXXX, company did not respond, sent second notice on XX/XX/XXXX company responded with transaction history, a electronic signature and contract that doesn't prove the debt belongs to me.
Product: Debt collection

I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.
Product: Credit reporting or other personal consumer reports

I have not given permission to three companies to pull my credit report on XX/XX/2023 XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Finance ) FLAGSHIP CREDIT ACCEPTAN ( Finance )
Product: Credit reporting or other personal consumer reports

These agencies are not reporting accurate information. According to [ 15 USC 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 to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated in XX/XX/XXXX of XX/XX/XXXXfrom XXXX University with approximately 120K in student debt, approximately 85K of that with Sallie Mae, the rest with XXXX XXXX federal lenders. 

My payments for Sallie Mae started 6 months after graduation and fortunately I was able to find employment in my educational field ; however, my monthly payments started at {$940.00} ( four loans with interest rates averaging 8 % ). Even with the job in my educational field, it was nearly impossible to make those payments every month so I found myself going into forbearance every couple of months so I wouldn't mess up mine or my co-signers credit. Every time I would go into forbearance, my payments after forbearance would be higher than before AND my interest rates would increase every time. It is now XX/XX/XXXX of XX/XX/XXXX ( been struggling to make payments sine XX/XX/XXXX ) and I have used up all of my forbearance and my interest rates now average 10 %, and payments being {$980.00}. 

Last month I got an email stating that I had been qualified for " interest only '' payments for 12 months and they had failed to notify me. Even though I hate the idea of making interest only payments, I feel like I had no choice to opt in because I can't afford {$980.00} per month. So ... I call Sallie Mae and have them run through the numbers for me regarding how much my interest only payments would be and I almost fainted .... {$740.00} for JUST INTEREST starting XX/XX/XXXX. I am getting to the point where I just want to give up. How is it ethically possible for a company to charge that much interest for people who literally cant afford it and who keep calling month after month to get interest/payments lowered. I understand I have a responsibility to pay back my student loans, but not at a 10 % interest rate, which just keeps climbing. 

Unfortunately, I do not have all of the dates of the numerous phone calls I've made to them and how many times I've tried to get my interest lowered so I can afford payments ; however, I'm getting to the point where I can't even live a happy life anymore. And the thought of THIS being my life for the next 20+ year just doesn't seem worth it to me. There is no point in living when you can't actually live happily. I can't afford to feed myself let alone buy a house or start a family, etc. Even when I called Sallie Mae to go through my finances and was crying on the phone the person from Sallie Mae laughed over the phone and said " you're not going to like what I have to say '' and that was that. He refused to consider the fact that I need to go to therapy because I have been extremely depressed regarding my finances. He refused to consider the other debts that I have that I would like to pay off but can't because of Sallie Mae. He refused to show any kind of empathy for me and my 10 % interest rates. To me, this is EXTREMELY UNETHICAL. 

**NOTE - When I filed my taxes, I found that between my federal and private student loans I paid ( no exaggeration ) just over $ 13K in JUST INTEREST in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am working on purchasing my first home and have been checking my credit reports with all 3 main credit bureaus. XXXX is the standout for having a large amount of incorrect personal information and despite disputing these errors, I am receiving " notifications '' from XXXX that my disputes have been updated as being correct, yet they have not removed any of the errors. The biggest issue is my student loans are no longer serviced by Aidvantage, as they have been transferred to XXXX. These Aidvantage student loans are appearing alongside the same exact student loans serviced by XXXX on my credit report- making it appear that I have open student loan debt through both servicers. This doubles the amount of student loan debt that I appear to have, and this is affecting my debt to credit ratio, my credit score, and my ability to get a mortgage loan. I have attempted to dispute with XXXX and have sent them proof of the loan transfer that was provided to me by XXXX on XX/XX/year>. However, XXXX has been unresponsive, and has failed to correct these duplications. This is a clear violation of the Fair Credit Reporting Act and is negligent behavior. 
I have also reached out to Aidvantage to request that they report the transfer of my loans to XXXX, however, to my knowledge this has not been completed either.
Product: Payday loan, title loan, or personal loan

Affirm is reporting an incorrect negative item on my XXXX credit report. 

I opened a loan on XX/XX/21 with Affirm after purchasing a product from XXXX XXXX, and choosing affirm for the payment. I selected autopay, and linked my bank account for payment. I was informed by XXXX around 60 days later that Affirm has reported a negative item to my credit. I checked my credit report and affirm reported that i never made my first payment. I reached out to Affirm who stated I never configured autopay that day for that item. 

I have reached out to Affirm for months, trying to resolve the issue. I have been asked for supporting documentation to prove i configured autopay, but I never even received a single email from Affirm that day confirming my selection of Affirm for payment, nevertheless confirming autopay was selected. Even Affirm agrees I selected Affirm as a payment method that day, even though they did not send an email confirming that either. I remember the day i ordered the product very clearly as I ordered it while on a break at my job, and my friend who convinced me to buy the rice cooker, since they have used it and highly recommended it, was sitting with me as i placed the order. 

I have not had a single late payment in 9 years on 11 credit cards and installment accounts. I have disputed this many times through XXXX and Affirm. This experience has been a living nightmare. Being laughed at and mocked by their staff on the phone, as I am powerless to prove what really occurred.

16 years ago, I was XXXX  and lived behind my friends house in my car. I worked at a XXXX XXXX XXXX to save up for a deposit to rent an apartment, got a better paying job in a mall, and stretched every penny, saving every cent to achieve my dream of opening a gardening business one day. I take my credit very seriously after screwing it up when I was young, and i never missed a single payment in nearly a decade. I now have officially postponed attempting to open my small business as planned as a result of my credit being impacted by Affirms mistake. 

I can not provide proof that i configured autopay that day, as they never sent me an email even confirming that affirm was chosen as my payment method for the XXXX XXXX which is clear from my account being opened with them that day on my account page.

I am begging for help, i worked so hard to repair my credit only to be the victim of Affirms mistake. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an unknown account on my credit report. It has been over 60 days and I have not received a response yet. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) of the FCRA plainly states that failure to investigate items within 30 days gives reason to immediately remove inaccurate items from my credit report. It has been over 60 days so they should be deleted promptly.

I demand these items be deleted immediately or I will be forced to file for litigation due to the stress that has been caused as a result. My information was impacted by the Equifax data breach and ma
y have gotten into the wrongs hands as a result.

I would be greatly appreciative if this manner was handled as soon as possible.