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

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received XXXX undisputed insurance checks to repair my kitchen and my roof. The check to repair for the kitchen was {$12000.00} and the roof check was for {$11000.00}. After several back and forth, I was told the kitchen check release has been approved on XX/XX/XXXX and a check written ; however, they will not send out for another XXXX to 10 days (??? ). The roof check will be monitored because at the time of loss, XX/XX/XXXX, my mortgage was behind. Please note, the mortgage was caught up by XXXX Assistance program in XX/XX/XXXX. The problem is the insurance company sent out a partial payment for the roof which is estimated at {$27000.00} to begin the work to re-roof. The insurance company gave us money to begin the repairs, now the mortgage company also want to monitor and give us one-fourth of the {$11000.00} check and hold the rest until the XXXX completes 95 % of the job. Hence, they will not start the job with a {$2900.00} check. I understand the mortgage company wanting to monitor repairs but to cause double jeopardy and hold part of a partial insurance payment is inconceivable. Keep in mind, the mortgage company 's threshold of {$40000.00} before monitoring. At this point I feel like they are doing this because I am XXXX and poor. XXXX is good and they will not take my property. They didn't last time and they will never. So, to treat us different because of late payment is wrong. XXXX thing has nothing to do with the other. I pay my private insurance through my escrow not Fay Servicing. I have also submitted the XXXX estimate and the lien waiver.
Product: Credit card or prepaid card

Comenity / Bread Financial Please see complaint # XXXX SUBMITTED ON XX/XX/2022. 

1. In response to first complaint ( above ) Comenity / Bread Financial sent me a letter from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX credited my account IN FULL bringing account balance to XXXX. This letter is included in attachment. 

2. " XXXX XXXX Customer Advocacy '' can not be reached and is believed to nor exist. 

3. Comenity continues to bill me for penalties and charges 4. Comenity has submitted has submitted ( and continues to so so ) negative credit reports and has damaged my credit rating XXXX. Comenity fails to cease charges and penalties during this dispute XXXX. Incompetent customer service seems to acceptable for Comenity / Bread Financial
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me a bill. I paid them consecutively {$50.00} for 3x in a row and continued getting " last notice '', " your account will be sent to a collection agency ''. When I repeatedly called them, they said " that was not enough ''. The bill is now down to {$840.00}. I made 3 payments : 1 ) XXXX {$50.00} 2 ) XXXX {$50.00} 3 ) XXXX {$50.00} Somewhere after XXXX I received a final notice and my bill was sent to collections. It now sits with Transworld Systems Inc. for collection. I can never reach the hospital, they are ridiculous. I do n't believe I should have been sent to collections if I was making repeated payments, and on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint about Experian stating that they verified a public record on my credit report through a third party company XXXX XXXX. They closed the complaint out stating that I did not make this complaint myself. They sent me a letter on XX/XX/2020 that they verified the public record again through the same company. This is not possible due to the company sending me a copy of their investigation, that they could not verify such record and therefor had to delete it from their system. I want Experian to delete this record from my credit profile since they did not do a proper investigation and violated the FCRA. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the public record from my report.
Product: Debt collection

I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XXXX XXXX XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

ALL OF THIS INQUIRIES ARE FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a 3rd party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the credit union continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XX/XX/XXXX I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX XXXX {$980.00} ) and charge off auto loan with acct # XXXX ( {$10000.00} ) both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 ) open collections with XXXX XXXX, ( 2 )  Open Collections +XXXX days late and ( 3 ) charge off ( XXXX ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XX/XX/XXXX all debts have been paid to XXXX XXXX  and to this day XX/XX/XXXX the credit card debt ( {$980.00} ) charge off still remains on my credit report and is being reported current late and charge off by the credit union. Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the current 120 days late be permanently removed completely from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed in XXXX and never received any results. Then after more than 30 days I ask for the results and received a results and I ask for a method of verification on those disputes. Im not getting nowhere on these difficult times withTransUnion.
Product: Money transfer, virtual currency, or money service

Please reference Case Number : XXXX & XXXX The investigation was closed because there was a payment on XX/XX/XXXX from the town of Monument to the XXXX  XXXX for {$4500.00} That is a separate and unrelated transaction to the {$4500.00} that was lost. 

If you would like to verify that the XX/XX/XXXX, payment from XXXX to the XXXX was a separate transaction, please do so. Here is the accounting contact for the Town of XXXX : XXXX XXXX XXXX As a summary here is the chain of events : In Late XXXX, the Town of XXXX paid the XXXX  XXXX {$4500.00}. They were paying us for a service they use us for. 

After the XXXX received that {$4500.00}, XXXX contacted us and wanted to cancel that service. 

On XX/XX/XXXX, the XXXX refunded XXXX {$4500.00} via the online Bill Pay system. 

That is the {$4500.00} that Wells Fargo turned into an electronic payment and sent to XXXX XXXX. That money was never received by the XXXX of XXXX and is still lost. XXXX years after the transaction was made. 

In XXXX of XXXX, the XXXX of XXXX decided that they would indeed need our services, so they paid us AGAIN in a separate {$4500.00} transaction. 

It is that XX/XX/XXXX transaction that Wells Fargo has assumed was the lost/found money, but it is not. It was a completely separate transaction. 

The {$4500.00} that was sent to XXXX XXXX on XX/XX/XXXX has never been found by the XXXX of XXXX, nor has it been returned to the XXXX XXXX. 

Please re-open this investigation with the correct information so that we can recover the lost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Product: Checking or savings account

Direct deposit has not arrived into my account and have since made my credit card payment late for Capital One. Direct deposit usually happens early on Thursday mornings/ Wednesday nights and the payment has not shown up on my account. This is an ongoing issue and now I can not pay my credit card statement from Capital one and now Im incurring interest.
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 failed to investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Debt collection

I spoke with XXXX, a representative from Automated Collection Services Inc., on XX/XX/year>, regarding a collection that was filed on my credit report in XXXX of this year. Because the correct mailing address was not on file, I never received a collection notice and I still haven't.She told me over the phone that the business does not participate in pay to deletion. I requested that the collection be removed from my credit after the call ended because it was inaccurate to say that I ever received a notice in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently done an investigation into my credit report and I don't believe the credit reporting agencies are 100 percent accurate and so I would like this account removed. 
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX US DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, PA 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.
Product: Bank account or service

The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly. 


KLARNA/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent recovery solutions company, continues to maliciously, inaccurately, and illegally report this bogus collection to XXXX. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19,  after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer