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

I am writing to inform you that I am a victim of the data breach that occurred within your system, and I am requesting that all accounts associated with my personal information be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ), which provides that accounts impacted by a data breach may be blocked and removed from consumer reports. 
Please find my personal information below for your reference : XXXX XXXX XX/XX/year> XXXX I am requesting that you take all necessary steps to immediately block and delete any and all accounts related to my personal information that were exposed during the breach, as required by law. I would also appreciate a confirmation of receipt of this letter and notification when the necessary actions have been completed. 
If you require any additional documentation to process this request, please inform me at your earliest convenience. I trust that Equifax will take the appropriate actions to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 

XXXX XXXX Sincerely, [ XXXX XXXX ]
Product: Mortgage

This is regarding my ( first ) annual l escrow analysis and the resulting adjustment of my monthly mortgage payment. My monthly escrow payment will increase by approximately 60 % because the company is requiring me to start with a {$2100.00} escrow balance, which I believe is a RESPA violation - my monthly escrow amount is {$310.00}. I called the 800 # today and they just kept repeating the numbers I see on this analysis, which I believe to be unfair and a RESPA violation to now require me to have a balance upfront of {$2100.00}. Also, am I allowed to cancel this escrow account so I don't have to fund the {$2100.00} starting balance? 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card debt for {$1800.00} to pay to the collection agency after tons of calls, letters and text messages. 

I took a loan of {$1800.00} from a loan agency on XX/XX/2019 to pay off this loan and i was told by the by the loan agency that the payment will be sent to the collector and reflected on my account by XXXX XXXX, and just incase i need to call my debt collector for a settlement letter i should do so after XXXX XXXX. 

I have been calling them from XX/XX/XXXX uptil this date no answer. Each time i call the XXXX-XXXX phone number, it does not ring but goes directly to voicemail and ask to leave a message which i never get a call back. I dealt with a lady named XXXX who called and texted me atleast 5 times a week to discuss settlement. There was a direct XXXX line which we used to communicate but the number will not go through after payment. 

I even called the Loan agency to find out what was going on and they gave me all references to payments made to the debt collector in 2 installment ( {$120.00} XX/XX/XXXX and {$1700.00} XX/XX/XXXX ). I looked online and not a single review was positive Please i need help on reaching this collection agency so they can tell me when my release letter will be available. 

Thanks
Product: Credit reporting or other personal consumer reports

Showing a account on consumer report as a collection, in which the account was paid in full, and closed on good status. The reporting information is mis leading and gives in accurate information being reported.
Product: Prepaid card

I have a prepaid debit Vanilla Visa debit card and attempted to use it today at my local XXXX grocery store for a {$500.00} purchase, but the card was declined. I contacted Vanilla to clear up the problem. I was not given a clear explanation for why the card was declined.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I submitted an alert removal form to Experian to remove addresses and names that I do not recognize and that are not mine. I gave them all the required documentation including government-issued ID and current bank statements as requested. 

Experian only added my current address and failed to remove the inaccurate information being furnished on my account. 

I sent another notice letting them know that the information was inaccurate still, and I further sent along proof from the furnisher of the inaccurate information that the address was indeed inaccurate. To which Experian requested I submit even more documentation. 

I provided the documents which included Copy Of Gov. issued ID displaying correct name and current address, current bank statement, full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ), Social Security number, Date of birth, complete addresses for the past two years, and a copy of the letter they sent requesting these specific details and documents. 

Experian only updated my current name but didn't remove the inaccurate names and still have not removed the inaccurate addresses. Experian said I must send in identity verification documents along with all the information and documents listed above. 

I submitted a third dispute further providing all the documentation and information listed above along with the requested identity verification documentation and letting them know that the inaccurate information is still being furnished. 

Experian has now requested that I submit all the same information along with an identity theft report stating that I submit an identity theft report along with a police report. 

Experian is continuing to delay the removal of inaccurate information from my consumer report and they are being willfully noncompliant and are not following proper compliance procedures to ensure the accuracy of my consumer report.
Product: Debt collection

XXXXXXXX XXXX is stating owe them money for class I did not take. I spoke with my academic advisor he told me I had a XXXX balance and ask him to withdraw me from the course and program. Also, I received a refund from the school. If I owed the institution any amount of it would have been taken out of the refund check or would not have received a refund at all.
Product: Credit card or prepaid card

I received the new Way2Go Card for the Wisconsin Child Support Program - they changed from Eppicard as well as the prior card was due to expire. I have tried to use the card to pay a bill online and it says that my zip code is incorrect. My zip code has not changed. I went to their website and confirmed my zip code was correct. It had several zeros after my zip code of XXXX. I attempted to reinput my zip code and the system added the zeros. I don't know if that is the problem. I called the number on the back of the card XXXX multiple times and there is no way to speak with a person, it is all automated information. The card works in stores, but not online. There should be an option to speak to a person to resolve real problems.
Product: Checking or savings account

My account is restricted. I've called XXXX customer service multiple times but the have given no time frame for how long it's take til I can use my account. I have bills to pay and can't access my money
Product: Debt collection

On XX/XX/17 a debt collector named XXXX contacted my mother in law, who is the mortgage owner of the house I live in. He asked her about my rent payments and then told her not to expect payments from me in the future because he had legal documents for me. When I called back, I was told it was a debt from Arkansas, when I asked for written information I was hung up on. I called back and someone else said they would email info and I never received it. I told them they are violating debt collection practices and I felt like they were trying to scam me out of personal information.
Product: Debt collection

IC Systems is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.
Product: Debt collection

I was contacted by two people claiming to be employed by Professionals Credit Services based out of XXXX ( maybe ) with an office listed in XXXX on there site professionalcredit.com. 

The first contact was from a man on XX/XX/22 claiming I owned XXXX XXXX XXXX {$25.00}. I responded that it did not sound right to me and that I would contact XXXX to sort it out. He was insistent I deal with it now but I just didn't feel comfortable providing him with my personal information. 

I contacted XXXX, who confirmed that the debt never exisited and if it did they would certainly have record of both the debt and what credit agency it was sent to. I assumed it was a clerical error but they suggested it was a scam since they have been recieveing alot of inquiries like mine, with a low amount that they have no record of. 

Today ( XX/XX/22 ) I was contacted by a person names " XXXX '' claiming to be from Professional Credit Services and demending {$28.00}. I explained that XXXX denied the debt ever exist and that this was a phising call. At which point she got combative and refuse to provide me with a mailing address. She ended up giving a XXXX XXXX XXXX Idaho that doesn't match the contact information listed on the website of the company she claims to be employed from. 

" XXXX '' appeared to be calling from her personal number, XXXX. After a brief search of my call history I found the first call from XXXX XXXX that came from XXXX. That number had made multiple attempts in XXXX to contact me. 

I am in the process of contacting the credit agency to put a hold on my credit and inform them of what I believe to be an attempt at phishing. 

I felt it was important to also file an official complaint so that this matter get investigated since I do believe it's fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to the three major credit reporting companies after several phone calls and letters.

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a recent review of my credit report at the XXXX, Experian and XXXX consumer reporting agencies, I learned that XXXX XXXX ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2004, I deserve more.
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXXfor my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. 
This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) 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 to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report.
Product: Credit reporting

On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.
Product: Checking or savings account

Please refer Complaint # XXXX during XX/XX/2022. 
This time I made the online appointment 5 days in advance for notary at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX United States ( XXXX ) XXXX for XXXX XX/XX/2022 at XXXX XXXX. 
Appointment was confirmed and i got the reminder also. 
Today at around XXXX XXXX  I got a call from XXXX ( Wells Fargo XXXX XXXX branch ) that nobody is there in this branch for the entire week for doing notary. She has no idea if any other Wells Fargo branch has any notary person or not? 
Why the Wells Fargo online system gave me the appointment when nobody was there? Why the online appointment system not integrated with local branches where the appointment is given? Why there is no backup staff available for doing notary rather than everybody is on vacation?
Product: Mortgage

Spoke with multiple representatives in XXXX, XXXX, and XXXX, requesting assistance with XXXX  forbearance, was given the run around and a difficult process to complete for someone suffering with medical ailments, leading to a temporary reduction income. 

I was recently told I would have to fall delinquent and destroy my credit to get assistance however if I was initially qualified for assistance using the CARE ACT I would have been ok. I would like to be considered for a XXXX forbearance and have faxed over documentation to apply. Or any forbearance as I will be able to resume making regular payments in XXXX  months. At this time, due to XXXX I am working a reduced schedule which has caused excessive obligations to accumulate.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for falsely reporting a paid-off loan as open to Experian and refusing to correct the error. 

What Happened : On XX/XX/XXXX, I obtained a loan through XXXX  for a purchase with XXXX XXXX XXXX in the amount of {$4300.00}. 
This loan was fully paid off on XX/XX/XXXX, as confirmed by XXXX 's own loan verification letter, which states the balance is {$0.00} and the status is " Paid in Full '' as of XX/XX/XXXX. 
Despite this, XXXX failed to update Experian and continues to report the loan as open with an outstanding balance. 
I filed a dispute with Experian, and XXXX responded with incorrect information, falsely reaffirming the loan as open. 
This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of credit data must provide accurate and complete information to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Reporting:XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

I have never had a contractual relationship with Plaza Services , LLC. I believe the original creditor, XXXXXXXX XXXX XXXX XXXX, sold my account without proper notification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 611 regarding the reporting of inaccurate information.
Product: Debt collection

Never did any business with this company Identity was stolen and used for this company Also this company has broken the law 15 USC 1692 AND 15 USC 1681
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. US DEPT ED- XXXXXXXX XXXX XXXX- XX/XX/XXXX Balance {$1000.00} << U S DEPT OF EDXXXX- XX/XX/XXXX Balance XXXX $ XXXX<< XXXX XX/XX/XXXX Balance $ XXXXXXXX<< XXXX Balance. {$270.00} << XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance. {$650.00} << XXXX XX/XX/XXXX Balance. {$1200.00} << XXXX- XX/XX/XXXX Balance. {$1000.00} << XXXX XXXX XX/XX/XXXX Balance. {$12000.00} << XXXX- XX/XX/XXXX Balance. {$720.00} XXXX XXXX- XX/XX/XXXX <<
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding an issue I have encountered with your Zelle pay service. My mobile number was recently ported from XXXX XXXX to XXXX XXXX 2 years ago, and I have been unable to register and use Zelle before and after the porting process. I can't register Zelle with my XXXX  XXXX XXXX or XXXX XXXX. 
Despite multiple attempts to resolve this issue through customer support channels, the problem remains unresolved. Here are the details : XXXX  XXXX : XXXX XXXX XXXX XXXX since XXXX  XXXX XXXX XXXX Mobile Number : XXXX Issue : Unable to register with Zelle due to verification problems I have confirmed with XXXX XXXX that the porting process is complete and there are no restrictions on my number. I have also attempted to seek assistance from Zelle support, but the issue persists.