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

I received credit card from XXXX XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.
Product: Debt collection

They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.
Product: Debt collection

PORTOFILIO RECOVERY ASSOCIATES IS REPORTING DEBT ON MY CREDIT REPORTS AS A factoring company and this is misrepresentation. A " factor '' is one who buys corporate receivables at a discount not a JDB dealing in uncollected bad debt. In addition the call and make threatening and harassing calls, and continuously violate the FDCPA LAWS.
I HAVE FILED DISPUTES WITH ALL AGENCIES AND I HAVE ATTEMPTED TO CONTACT THEM FOR REMOV  AL TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Today I received a letter from Rushmore loan which was a demand for full payment by XX/XX/2023. I have been placed on the repayment plan and have been paying as agreed but the letter was certified and they also sent me the same letter regular mail so I call their office and they advise I am now in a different department and they can not help me I speak to this department and they said they could not find my payment while on hold they come back and say they found my payment and to disregard the letter I call back and they say a different thing and say they do not see the repayment plan for 10 months and this is my why my account was moved to this department. I call back cause after they speak I get disconnected again the same issue again you are in default and you have now been transferred they transfer my call and I get disconnected again I am requesting for an audit of this account I have been paying this loan as agreed in fact they are the ones taking the banking info for the payment and their is a serious problem with what plan I am on and what department they have thrown this account in I would like an audit of all money taken and a correction of where this account is placed since I am paying as agreed on the 10 month loan repayment agreement if you call you are on a plan and when you call back you are not you dont know if you are on a plan or not but they loose you payment and place you for notice when you are in fact paying the arrangement as agreed
Product: Mortgage

I started a complaint the other day, but was using my cell phone, not realizing that you '' d need files for my case, now I'm at my computer. We own adjacent properties at XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the property in mortgage, XXXX is property I inherited. Like I stated before, my mortgage company has changed hands five times in the last few years. First it was XXXX for twenty plus years, then XXXX, XXXX XXXX XXXX, XXXX XXXX, now Fay Servicing.Never had an escrow until XXXX XXXX. Before XXXX XXXX put us in escrow, or monthly payment was {$1600.00}, after escrow it was {$1800.00}. But they put the wrong property into escrow, they paid the taxes for XXXX XXXX XXXX XXXX, not XXXX, we tried to tell them, but it changed hands to XXXX XXXX. We contacted XXXX XXXX and explained the situation and then they charged us escrow on both properties, my monthly payment went from {$1600.00} to {$2300.00}, charging me {$690.00} in escrow fees. We went around and around with XXXX XXXX, then it switched to Fay Servicing, we got a hold of them and again tried to explain what is happening, but we're still being charged for the two properties. I have all the documents, and I haven't paid a bill until we have this resolved and I currently owe according to them {$9500.00}. Hope there is someway to resolve this mess, because they are not listening to my complaint.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life.
Product: Mortgage

My mortgage was transferred from XXXX to chase as of XXXX XXXX. 
A letter from chase said that I could schedule automated payments as of XXXX XXXX. I have been on chase 's website and mobile app for about an hour and after registering XXXX times am unable to find an email address to express my concern and ask for help in getting my automated payments restored.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX is reporting three ( 3 ) delinquent accounts from XXXX/XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Product: Credit card or prepaid card

My account with  Continental Finance w as re-billed in the amount of  XXXX  on  XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens  XXXX  watch, was not in package when received. I 've attached photos of  XXXX  box showing it empty. The merchant,  XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, LLC. has been reporting incorrect information on my credit report. I have numerously contacted TransUnion with request to re-investigate or to delete incorrect information from my file, however, TransUnion has reluctantly refused to validate its verification method to confirm information with creditors and/or to delete disputed information from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX conduct is misleading, fraudulent and unconstitutional the promissory notes allegedly signed by me is null and void because the notes was used to create the Credit or money on its own books bookeeping entry therefore no lawful consideration was given. There is no united states law or statue that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the right to do so. therefore the agreement is null and void, attempting to collect is usury because no consideration was given. Reporting these accounts to my credit file is extortion and blackmail and is a violation of federal law. Lastly I never was given a true bill these persons never verified under oath I owe a debt therefore I order the said persons to cease and desist from all communication including the credit reporting agencies. And remove and block the fraudulent accounts from my credit file.FTC IDENTITY THEFT AFFIDAVIT IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ Keybank Na reported a Hard inquiry to XXXX and reflected on my credit report. 

On XXXX I contacted XXXX about the incorrect inquiry showing up on my credit report. XXXX sent a letter to the creditor on my behalf requesting deletion of the inquiry. There was no answer from the creditor. 

I contacted XXXX a second time on XX/XX/ and requested them to investigate the inquiry. They sent a second letter requesting deletion of the hard inquiry. I stated over the phone to XXXX, I have already contacted the creditor directly and they have no proof of permissible purpose or even a record of me.
Product: Credit card

tried contacting synchrony bank about XXXX inquires that happen in the same day and to investigate so it can be removed but told me they cant do anything to resolve it. 
i created a report on www.identitytheft.gov and reference # XXXX.
Product: Credit reporting or other personal consumer reports

I ask XXXX to investigate but havent did they job to Verify and insure all data are reporting from this account is accurate.need clarification as to why XXXX didnt investigate the information on my credit report. Please review the following Account Name : XXXX XXXX XXXXI Account NAME. XXXX XXXX XXXX
Product: Credit card

I Have a Home Depot Credit Card with the Sticker says active and ready to use and I am trying to activate or use the card but it seems as if it is Blocked internally
Product: Student loan

I submitted forms to count new payments toward my pslf under the new rules in XXXX. I was also receiving a stipend of about XXXX a month from XXXX to pay down my loans for working in rural primary health care over the course of 2 years ( which was shortened due to below ) I was notified in XX/XX/XXXX Via mail from mohela that I have made enough payments for PSLF and loans were forgiven. I had an overage credit of XXXX. I contacted XXXX and let them know to stop payments and they told me that the refund had to be sent to them upon receipt. I emailed Mohela x 2 and and phone call x 1 in order to let them know that XXXX wanted the refund back and received an email stating that yes there was going to be a refund that would be processed in 60 business days. On XX/XX/XXXX, to my dismay they deposited the overage into parent loans I had for my XXXX sons. I called and emailed several times and several hour waits to keep being told either there was nothing that could be done or that they do not see a refund. Mid XXXX I spoke with XXXX who offered her help form could be expedited to get this refund form case # XXXX and would take 4-5 days and I would be notified .I tried calling several times and emails after that and hours waiting and finally reached someone on XX/XX/XXXX who told me initially she has no note of me ever calling the service since XXXX, but then miraculously found it written in the " notes '' section of what I was referring to and said it was processed the day prior ( XX/XX/XXXX ) / refund in the next 60 days. Since I have been calling and emailing them and not getting responses, only automated emails stating that I have called the call center so they assume my problem has been addressed. on the other end XXXX has since turned my balance over to Program Support Center, Financial Management Portfolio U.S. Department of Health and Human Services XXXX XXXX XXXX acct XXXX who is charging interest/action against me for the stated sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

Despite my persistent efforts to contest the inaccuracies in the information provided to XXXX, XXXX, and TransUnion, unfortunately, the issue remains unresolved up to this point. 

XXXX : 1. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX XXXX 3. The following personal information is incorrect Former : XXXX XXXX 4. The following personal information is incorrect Former : XXXX XXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Also Known As : XXXX XXXX 8. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX  13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXXXXXX XXXX  Account XXXX : XXXX Please investigate and delete from my credit report. 

TransUnion 1. The following personal information is incorrect Employers : XXXX EMPLOYEE 2. The following personal information is incorrect XXXX : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE INFORMATION AND ACCOUNTS THAT ARE UN-VERIFIED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 611 ( 5 ) ( A ) OF THE FCRA-YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPLETE, OR WHICH CAN NOT BE VERIFIED. IT IS ALSO MY UNDERSTANDING THAT UNDER FCRA 15 U.S.C 1681i ALL UNPROVEN, NON COMPLIANT, INCOMPLETE, UNTRUE, INCORRECT, AND/OR UNVERIFIED ASPECTS OF ALL ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BE COMPLETELY DELETED. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL EXPERIAN AND XXXX TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS. 
THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATIONS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR OTHERWISE NOT PROVEN COMPLIANT TO REGULAR FEDERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY, DO DO TODAY, EVEN RIGHT NOW! THE OBVIOUS INFRACTIONS ARE AS FOLLOWS : ALLEGING CREDITORS AND ACCOUNTS AS ARE REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNVALID ACCT BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE XXXX ENACTED XXXX METRO 2 COMPLIANCE REGULATIONS. I DEMAND THAT THESE ABOVE MENTIONED DEROGATORY ITEMS BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 

SINCERELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's security breach may personally affect me per their website. They are obviously unfit to hold consumers secure information.
Product: Money transfer, virtual currency, or money service

I writhing to express my concerns regarding Zelles handling of disputes particularly in the 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 claim adequately.They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible .The CFPBs finding indicates that Zelle has not neglected to protect consumers, but have also allowed repeat offenders to exploit the system leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.