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

Equifax ; XXXX and XXXX  are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company SELF FINANCIAL/LEAD BANK reported the information has certified to XXXX that the information is accurate THAT IS IMPOSSIBLE BECAUSE I REPORTED THE ACCOUNT AS IDENTITY THEFT, THE ACCOUNT WAS OPENED FRAUDULENTLY. I never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Ive been living at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX of 2018. 

Ive attached the false updated response from SELF FINANCIAL/LEAD BANK to XXXX & Ive attached my identity theft document to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : ALLY FINANCIAL Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Debt collection

After carefully reviewing my latest credit report, I noticed several unauthorized accounts that appear to have been added without my consent. I believe these are incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested Equifax, XXXX and XXXX to validate and or remove a number of accounts from my credit report due to them being inaccurate.I have not received a response.These agencies are not following their own policies in a timely manner.
Product: Debt collection

I have received a number of collection on my credit report from Merchants Credit Guide. Each time in a different amount for the collection of XXXX XXXX. Each time I have disputed the collection and the amount. They would removed the collections only to come back with a different account number and collection amount. I also have contacted the XXXX XXXX in regards to the collections. XXXX have stated to me that they have no knowledge and or records of the amount ( bills ) owe to them. I am frustrated with the company adding collections to my account with different amounts and account numbers. I have not received documentation or any proof of this collection or collections ownership. Please have them to remove any and all collections from my ( 3 ) credit reports XXXX, XXXX AND, XXXX. And stop any actions of reporting. ACCORDING, TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. 

Thank you XXXX XXXX
Product: Credit card

In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to apply as payment for account number XXXX XXXX XXXXXXXX XXXXwith an INSTRUCTION letter to perform their duties per their Indenture agreement seen here https : XXXX? XXXX and in accordance with the Trust Indenture and Securities Exchange Acts. 

I had received a voicemail the day it was received to call back in regards to the correspondence they received. When I returned the call, each person I spoke with either did not know how to help me or where to direct my call. 

payment was not applied, and my instructions were not followed even though the they are in line with the Indenture agreement. 

21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/year> with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE
Product: Checking or savings account

I received an alert from XXXX credit monitoring that an account with Goldman Sachs was opened using my social security number. 

Account was opened on XX/XX/22, I received the alert XX/XX/22 and emailed XXXX ( fraud email with company ) to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with this company before. My credit report is showing a collection for XXXX XXXX XXXX XXXX. I have never stayed there. Im asking them to provide a signed lease or any other documents showing the XXXX XXXX XXXX with my signature.
Product: Credit reporting or other personal consumer reports

A collection account showed up on my credit report. I contacted XXXX XXXX XXXX to find out why. I was informed that the {$380.00} collection was for XXXX XXXX. I have paid that card off on XXXX XXXX  2023 and closed the account. I filed a dispute with all XXXX credit agencies. All XXXX did not fully investigate this dispute to discover that this debt was paid more than 20 days before XXXX XXXX XXXX received the collection account on XX/XX/year>. All of this information remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Student loan

I am re sending the letter dated on XX/XX/XXXX and is " Not a Duplicate '' question that was marked on XX/XX/XXXX. I making the complaint because I have not received a break down of fee 's assigned to this account # XXXX ; CFPB Complaint : XXXX while at XXXX, a Ceannate Company before sending off to my servicer that is assigned now. I need a break down of Principal amount, Interest, collection fees or any other fees that were assigned to this account before it went to my servicer. The letter attached did not include this for my review and my understanding of all fees is not clear of the amount owing. 

Please forward me a copy of this so I can review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX To XXXX it XXXX concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my XXXX report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( XXXX ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. XXXX Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, Stone Mountain, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Money transfer, virtual currency, or money service

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

I paid off my Prosper credit card account 3 months ago. XXXX continues to report this account with a full balance of over {$1600.00}. I have disputed this information XXXX with XXXX and they continue to leave the report as is. I am not understanding why XXXX can not report accurate information. Again, this account was paid off 3 months ago : there is no reason why XXXX can not update the account information on my credit report. I am trying to obtain a home loan, and XXXX is preventing me from doing that. What will it take for XXXX to update this report and provide accurate information. This is my second incident with XXXX in just under a month. If they can not update my account as they should, then I will need to seek legal representation. This is rediculous. They are in the business to report accurate information, and if they can't do that, then why are they in the business. It's strange that when someone uses their credit card for a purchase, XXXX and other reporting agencies, quickly react and send an alert and subsequently lower your credit score. On the other hand, when someone pays off their credit cards ( which is a more positive thing ), it takes months and months for the credit reporting agency to reflect the payment. What is wrong with this picture?
Product: Credit reporting or other personal consumer reports

please remove this fraudulent inquiries from my credit report XXXX ) XXXX XXXX  - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX XXXX ) XXXX - XX/XX/XXXX, XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX  XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX ) XXXX XXXX - XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXX XXXX ) XXXX  - XX/XX/XXXXXXXX XXXX
Product: Credit card

I am writing this complaint to as a follow up to complaint XXXX. On XX/XX/year> the company responded, stating that the address and said that they were forwarding the information to the proper personnel at XXXX Bank and then provided an email, phone number, and address to send my correspondence. I sent an email on XX/XX/year> regarding this matter ( to the email enclosed in the complaint ) no response, I sent another email on XX/XX/year> to respond to an " over due '' bill, which again should have been placed in a " do not pay '' do not collect '' status per their policy and it still has not been done. This company is refusing to comply with their own mediation processes and was dishonest with the CFPB in stating they were looking into this matter. This matter has not been reviewed and the company is not taking accountability for the fraudulent and deceitful tactics that they use to lie and manipulate consumers. I feel this agency should be held accountable and fined for these illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX credit XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX XXXX  ct I called the Chase travel rewards customer service line ( XXXX ) to inquire about Chase 's credit card points being value at a 1 for 1 valuation. i.e transferring XXXX points at chase, would be worth the same amount of points and money at United Airlines. This was confirmed to me by Chase that this would be the case. This phone call lasted 8 minutes until approximately XXXXXXXX XXXX ct. 

on the same day at XXXX XXXX  I called United 's customer service line ( XXXX ) to inquire that what I was told by Chase during the previous phone call. The also confirmed that the points are valued the same at Chase and United. So that was confirmed twice in a matter of minutes, so I transferred XXXX Points to United for XXXX miles. I transferred the points to United because I am a XXXX XXXX XXXX XXXX XXXX  and United Airlines is a Chase partner and also provides discounts to veterans. 

Once I started to book my flight with United and after the points were transferred, the valuation of the points between United and Chase became apparent. The points valued at Chase and through their travel program are worth roughly {$1700.00}. The value of of the points at United are now showing as only {$1000.00} for a loss of {$700.00} to me. 

I immediately called Chase to have the transfer cancelled again at XXXX XXXX  on XX/XX/XXXX. A transfer request was submitted by Chase under reference # XXXX and was denied by Chase as all transfers were final with a decision being relayed on XX/XX/XXXX after XXXX XXXX  ct. 

I called both united and chase for compensation and to escalate the issue further. A call pull request was submitted on XX/XX/XXXX to verify that I was given misinformation and am now at a loss of {$700.00}. The Call pull request and resubmission of the complaint was submitted by " XXXX '', an employee of chase under reference # XXXX. I was told by her subordinate, " XXXX '' that they would be able to compensate me the difference in points, but when I spoke with XXXX, I was told they would do no such thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX duplicate data COLLECTIONS XXXX  XXXX XXXX XXXX XXXX duplicate data INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS US DIST CT XXXX not mine
Product: Debt collection

My complaint is against the Phoenix Recovery Group located in XXXX XXXX Texas. I have no understanding of where this company got such an enormous charge stating that I owe XXXX XXXX XXXX. These folks, called me numerous times in the past, and emailed as well. I choose not to talk to them because I really feel like it's a scam. These folks are trying to say I owe nearly {$4000.00} and I would like to know, how? This notice just came to me out of nowhere one day and I don't appreciate false reports on my credit and because I have read the reviews and I know that these people are scammers, I'm asking for assistance, as well as a valid explanation? I am not paying this company one XXXX XXXX. Nor will I take responsibility for something that I had no part of.
Product: Mortgage

I am currently trying to work with the lost draft department at Shellpoint Mortgage to release funds from a check sent to them back in XX/XX/XXXX for {$150000.00} from my insurance company XXXX XXXX for the fire damages and to restore the property back to it's original state before the fire. They released XXXX in XX/XX/XXXX and I requested additional funds be released on XX/XX/XXXX after an inspection was completed by their inspector and was told funds would be released to me in 8-10 days. I called in on the 6th day to assure everything was processing and if anything else was needed from me and was talked down to like a child. I was told to wait the 8-10 days in very slow word by word in a sentence. I have called several times since and have been told by supervisors that the issue was escalated to my processor on a friday and that I would receive a callback and nothing happened. I emailed the processor the following monday and recived no response. I since continued to call in to see if my funds have been released last week and continue to be told it has been escallated and the supervisor I was talkin with on friday call disconnected and even though he asked me for the best no. to call me bak if we were disconnected, i have not received a call back. Please help me in getting Shellpoint Mortgage to release funds so I can finish renovation and my XXXX wife, XXXXXXXX XXXX daughter and myself can go back home? Thanks for any help you can provide in truly escallating this matter. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned this morning to see inaccurate accounts listed on my credit report. I have no idea how they got there. I checked my credit report, as I always do, but this time there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a mistake, but the inaccurate accounts didnt disappear. Because of this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your XXXX XXXX if you pay them a monthly fee. For instance Ox XXXX XXXX online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Product: Credit card

This XXXX Complaint was CLOSED prematurely and not resolved. If this company resolves things like the credit card company, then this whole world is going to XXXX and corporations are not being held liable for their actions. Just like this fake protection bureau.

The credit card company called me, contradicting what they wrote in their response to this report. They even stipulated their agent was in the wrong, and gave me wrong information enclosed the card without just. 
I've asked for the transcripts in the XXXX recordings email to me, and I still have yet to see any of that documentation. 

There still has been no warning when they raised my APR without notice, and I've asked to speak to an officer of the company for going on three months now, and no one is calling me back that is in that authority.

It seems like this consumer financial protection Bureau is about as useless as the credit card company because no one is doing XXXX about any of these issues.
Product: Credit card

I pay Wells Fargo {$45.00} a month on my XXXX XXXX account. As soon as I pay {$45.00}, they then charge my account {$45.00} so it looks as if I have not paid anything then charge interest on top of that.
Product: Credit reporting or other personal consumer reports

Now Equifax is making matters worse for me they removed and valid current addess that they had n placed one they never should had removed I told them not to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  keep that on my file do not remove besides them adding other current valid addess XXXX XXXX XXXX XXXX XXXX or XXXX harm still being caused by them XXXX XXXX XXXX