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

This account was charged off on the following date : XX/XX/2021. Since then, the account has been updated as a charge-off every month and has been paid and settled. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXk Account # : XXXX TransUnion : XXXX XXXX XXXX XXXX  Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the bureau to inform them of the inaccurate inquiries on my credit report i was advised to call the company which I did and was told to call Transunion back so they could work together to have it removed but nothing was resolved XXXX XX/XX/XXXX contacted the bureau issue remains unresolved XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Contacted the bureau and it remains the same and unresolved
Product: Mortgage

I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing purposely lied and said my home was in foreclosure and it was not. They also said my home was effected by a natural disaster and it was not. They also said my home was in deferment and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed inquiries will be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loans are handled by EdFinancial. I have been making automatic payments since the payments started back up in XXXX of XXXX. 
In XX/XX/XXXX, I signed up for the XXXX program, and had to submit another request for autopay. Which, I was later told it wouldnt be until XXXX that the autopay will kick in and Ill have to manually make the payments ( from XX/XX/XXXX to XX/XX/XXXX ). No worries, Ill do it until XXXX. 

I started receiving over due payment notices for XXXX via email. So, I called EdFinancial and was told that the payment wasnt applied and that a request was sent to apply my XX/XX/XXXX payment. 

I have checked my EdFinancial account weekly since XXXX to make sure the payment was applied. I also would call them to make sure the request is still in process. This has gone on from the end of XXXX to XXXX, and no resolve. 

Rather, XX/XX/XXXX, I go to make my XXXX payment, and not only do I notice that the XXXX payment has yet to be applied, but EdFinancial reversed all my payments from XX/XX/XXXX to XX/XX/XXXX. Resulting in a past due balance of over {$600.00} ( this total adds up from all the reversals that I have paid ). I called customer service and the representative alluded that I have not made payments. I reassured him that I have made all payments on time and that all payments have been withdrawn from my bank account with no refund at all. So, where is the money?! 
I have not received any refunds from them from the reversal. Also, I have checked my EdFinancial account weekly since XXXX, and the reversal was just done in XXXX. Otherwise, I would have called sooner. 

I called my banking institution for proof of payments and to confirm there hasnt been any reversal of payments on their end. They were able to confirm all payments dating back to XX/XX/XXXX have been withdrawn with no credits/refunds back to my account from EdFinancial. I submitted my bank statements dating back to XX/XX/XXXX to EdFinancial via fax and uploaded to me account. 

Another request was submitted to review my account to correct and apply payments. But the XXXX payment has yet to be resolved. 

Where is my money going? Because its not in my bank account. Id like this resolved by applying all the reversal payments on my account, and bringing my account back to current. Its the only fair thing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. These accounts are reporting inaccurate! 

XXXX XXXX XXXX -- -- {$480.00} XXXXXXXX XXXX -- -- {$85.00} XXXX XXXX XXXX -- -- {$58.00} XXXX XXXX XXXX -- -- {$59.00} XXXX XXXX XXXX -- -- {$140.00} The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is denying me the right to submit my disputes on line. They have advised it can not be processed on line and there is no reason that they should be hindering this process.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation.
Product: Debt collection

In violation of California Civil Code 1788.66, Caine & Weiner was illegally assigned unpaid COVID rent and has ignored this fact. In the code, it's stated that a landlord can not assign unpaid COVID rent from XX/XX/XXXX to XX/XX/XXXX. During my tenancy from XX/XX/XXXX to when I left in XX/XX/XXXX, I was not working. I sent them a Cease and Desist Letter in XX/XX/XXXX, and they have continued to contact me by email and phone. And now, they have sent this account to my credit reports.
Product: Credit reporting or other personal consumer reports

Why I'm having these account and inquiries. This is incorrect please please remove it on my report. I'm seeking for your help. Thank you 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or other personal consumer reports

I reviewed my Equifax credit report and I noticed an inaccurate late payment reporting with one of my accounts. The other bureaus do not report this inaccurate late payment from my credit report. Please see attached file below.
Product: Debt collection

They claim to have bought a debt from a company I used to do business with over 10 years ago. There is no debt to collect at all as I have never once done business with this " LVNV Funding '' and the debt with the original company was cleared and settled 10 years ago. I don't owe the original company, XXXX XXXX so this company is completely fraudulent and harassing me unnecessarily. This account just started showing up on my credit report in XX/XX/year> and keeps being put on my report. 
I'm demanding this company stop contacting me, stop placing this fraud on my credit reports, and remove all of my information from it's database instantly.
Product: Checking or savings account

We wrote a check to our contractors wife. She deposited it into their company account at Chase bank. Check cleared our bank XX/XX/XXXX. Once funds cleared, they flagged the check as fraud, due to our contractor having an XXXX last name. We have gone into the bank branch of Chase bank to confirm, yes I wrote the check and yes these are the people I was writing the check for, so there's no fraud. That was the week of XX/XX/XXXX when we all became aware of the issue. We have spoken to the bank 5 or 6 times since always confirming that we wrote the check, but since my contractor has a XXXX last name, they are using every excuse to hold his funds, so he can't work on the job at our house. This is 100 % a discrimination issue, since there is no other explanation for holding the funds 30days more from the time everything has been confirmed. Every call I've receive has been to tell me that the investigation is continuing in the fraud case. There is no fraud case. It's a discrimination case against the bank that I would like to file. They keep saying it's fraud, but we've all gone in and testified that we write the check and it's who it's supposed to go to and we're well over 4 weeks and still they won't release the money. If this was turned around and we had XXXX XXXX of the banks money, would we have to pay interest on that money? XXXXldn't they have to pay interest?

I'd also like to either get my money back so I can give it to the contractor, or have the money released to the contractor so he can continue with the work. 
Please have someone call me so I can explain better. It literally is the worst way I've seen a XXXXXXXX XXXX XXXX, it's crazy what they are putting him through, as well as us!!
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. 
I want the CFPB to publish this? This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

A company called ERC, also know as ENHANCED RECOVERY CORP is contacting me about a bill for {$810.00} that does not belong to me. I have no knowledge of ERC. I have never spoken with this company. I do not have a contract with them. I have already contact the BBB about them and they are continuing to post information on my credit report. I have already asked them to remove it and they refuse. I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Debt collection

I contacted XXXX XXXX XXXX about a closed account. Requesting to apply XXXX to the account. I was informed they didn't have the account anymore and there wasn't anything they could do. They referred me to the Best Service Company who they said had the debt. 

XXXX XXXX XXXX ( XXXX XXXX ) offered a settlement to pay off a collection during tax season roughly around $ XXXX. I declined offer. I then called company back requesting to apply XXXX to the accoun on XX/XX/XXXX, XXXX. They replied they didn't know what it was but I could send necessary documents and to follow up at a later date.I emailed necessary documents on XX/XX/year>. I followed up in XXXX and was told the account was on hold and to check back again.I called XX/XX/XXXX, no answer and I called today XX/XX/XXXX and was told the account will remain on hold until I get out of the military. I asked why and the representative said that he didn't know any more information. I asked for a debt validation letter and he said they didn't have one because the debt is with the original company XXXX XXXX XXXX XXXX XXXX ). Which it is not.I asked if I'm in the military for the next 6-7 years what would happen with the account? His response was that it will just remain on hold until then. I asked to speak with his supervisor and was told there was no one else I could speak with.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card or prepaid card

On Friday XXXX XXXX XXXX I did not make this change my passcode XXXX was sent to choice financial group which I have no dealings with or have I ever heard of so I got in contact with choice financial group and they told me to get a letter of indemnity from cash app which I tried to get so I haven't got my money back. Transaction I'd is XXXX. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX Reference Number : XXXX Reason : XXXX XXXX
Product: Debt collection

convergent is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
XXXX XXXX XXXX and was charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from XXXX and {$10.00} from Transunion. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Product: Checking or savings account

In the summer of XXXX, I opened a checking account online with HSBC. I had recently been fired from my job and was receiving unemployment benefits from the state of Iowa, which I started having direct deposited into my HSBC account at that time. For whatever reason, after a couple of weeks, I had not yet received my debit card and I needed to access the funds that were in my HSBC account so I tried to initiate a transfer of funds from my HSBC checking account to my local bank account that I had not yet closed. In trying to transfer the funds, I had a problem so I contacted HSBCs customer service to get some help with it. When I called, the woman on the phone thought I was a man trying to access someone elses account and she had a hold placed on my checking account. During the course of the next several months, I called HSBC at least 3 times each week to try to find out the status of my account and each time, they would give me little to no information. In fact, when they would transfer me to the department that placed the hold on my account, they were down right rude to me each time I called. One day I decided to call one of the branch banks and from talking to a teller I found out that after 6 months with no activity on my account, my account would be automatically closed and the funds that remained would be mailed to me in the form of a check. So I waited and in XXXX of XXXX, I received a statement from HSBC stating that my account had been closed, but there wasnt a check with the bank statement. I called HSBC again and they told me that they had sent the funds back to whoever last deposited into my account, which shouldve been the unemployment division of the state of Iowa, however, when I called to ask them if they had received my money they told me they hadnt. There was {$1300.00} in my HSBC checking account at the time that it was closed and I would like the funds to be returned to me. I have contacted other offices for help in resolving this matter but to this date, have not been able to come to a resolution nor have I been able to locate my money. I just want my money back.
Product: Credit card

I purchased a laptop at an Apple Store on XX/XX/2023. The total cost of this purchase was {$4200.00}. I chose to finance the card using an Apple Card which I opened at the time. On XX/XX/2023 I was charged for the above amount. However, when I reviewed the billing statement for the card, the total amount due was {$4600.00}. It seems in addition to the cost above I was charged an additional amount of {$360.00}. I called Apple Card to clarify why I was charged this amount, and they were unable to tell me why. They recommended calling Apple directly, which I did. They were also unable to tell me why I was charge the {$360.00} amount. My receipt does not list this purchase amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXXXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.