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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my nights. 
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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX  ( Account numbers XXXX as well as XXXX and account number XXXX with XXXX. And XXXX XXXX account number XXXX. Has violated my rights 15 U.S.C. 1681 section 602A. States I have right to privacy.

15 U.S.C 1681 section 604A .section 2 its also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint against the National Recovery Agency for the second time regarding a medical debt that has been inaccurately reported on my credit report. 

On XX/XX/year>, I agreed upon and paid in full the amount of {$1000.00} ( see attached ) in relation to this medical debt. It was explicitly agreed that once this amount was settled, the debt would be deleted from my credit report. However, contrary to our agreement, the debt has continued to negatively impact my credit score since the date of payment.

As of now, I am distressed to find that this debt is still reflected on my credit report. See attached. This has led to undue hardships and has unfairly affected my financial standing and creditworthiness.

I kindly request the Consumer Financial Protection Bureau to assist in resolving this issue by ensuring that the National Recovery Agency deletes this debt from my credit report immediately. Furthermore, I seek restoration of my credit status to reflect the accurate standing as of XX/XX/year>, thereby rectifying any negative impacts caused by this erroneous reporting. 

Please find attached any supporting documents including proof of payment and a copy of my current credit report showing the inaccurate listing. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Debt collection

A debt for security credit services ( XXXX XXXX XXXX ) for the amount of {$8300.00} was sent to collections. My husband signed for a tractor and his mother XXXX XXXX co signed for him. My name is no where on the contract but it is showing on my credit report. I am unsure the dates but it was purchased around XXXX  or XXXX.. I would like for this to be removed for my report since I have to legal ties to this. I have filed a dispute with other creditors and it was removed. 
Email XXXX Phone number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX XXXX XXXX to report past due balances on my credit report when the account in a Chapter XXXX. Experian is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and Experian refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.
Product: Debt collection

I recently looked at my credit reports and noticed a collection on there from a collection agency known as ARS account resolution. The original creditor name is XXXX XXXX XXXX XXXX NY and the date assigned is XX/XX/XXXX, The date of the first delinquency is XX/XX/XXXX. The amount owed is {$740.00}. I have never used this medical location and don't know how they got my information. Also there is an address on my credit report that does not belong to me, XXXX XXXX XXXX, XXXX, NY XXXX. I contacted the collection agency and they said that there is someone else 's birthday that was not matching mine. I contacted XXXX and XXXX and they said the file a dispute through the CFPB.
Product: Mortgage

On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.
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 which is XXXX  XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to remove a collection account from my credit report despite my repeated efforts to have it properly validated and the lack of proof from the debt collection agency that this debt is mine. 

The collection account in question is reported by XXXX XXXX XXXX and appears on my Experian credit report. I first disputed this entry with Experian on or around XXXX or XX/XX/year>, requesting validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested that the collection agency provide proof that the debt is mine, including documentation such as an original signed purchase agreement with the original party/lender. I requested such information from XXXX on XX/XX/year>. 

To date, the debt collection agency has failed to provide any valid documentation to substantiate their claim that the debt belongs to me. Despite this, Experian has not removed the entry from my credit report, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, once a debt is disputed, the credit reporting agency must ensure that the information it reports is accurate and verifiable. Since the collection agency has not provided sufficient evidence of the debts validity, this entry should have been removed from my credit report. 

Furthermore, it is important to note that I was never informed by XXXX of this purported debt. It was added to my credit report without proper documentation or notification. The sole communication I have received from XXXX is an email dated XX/XX/year>, which informs me that I have failed to make arrangements for the alleged debt and it will soon be reported on my credit reports. 

I have made multiple attempts to resolve this matter with both the debt collection agency and Experian, but my dispute remains unresolved. As a result, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian removes this invalid collection entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and creditor has not updated they have not supplied this information and they must I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) Under federal law they had 30 days to complete the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX BALANCE {$480.00} XXXX XXXX XXXX BALANCE {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

on a previous complaint regarding the same account. After the bank brought this account positive by reversing a XXXX maintenance fee I find that it again was charged and again negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company has added incorrect payment dates. They have listed the last payment date as XX/XX/XXXX on my dispute and on credit profile. The actual date of last payment was in fact XX/XX/XXXX. Confirmation number is either incorrect on the website or on the receipt that was sent to my email. On my copy that was sent the confirmation was listed as # XXXX and on their online system it shows payment confirmation # XXXX. On the complaint through XXXX, they reported no payment received on XX/XX/XXXX and I have two different confirmation numbers for that one payment. Payment date reported to XXXX as XX/XX/XXXX and paid on XX/XX/XXXX according to their response to XXXX. The actual payment date was XX/XX/XXXX according to my bank account record. This also proves inaccuracy in their reporting of dates. The creditor closed my account without warning on XX/XX/XXXX according to XXXX XXXX I have currently enrolled in a settlement and the amounts are wrong when I call the online system. Nothing in their reports match the data that is on my statements and the settlement amount. There are errors all across the website that do not match what has been reported. As of XX/XX/XXXX I owe them {$150.00} which was confirmed when I called them and made payment in the amount of {$74.00} by phone on XX/XX/XXXX at XXXX. When I call them by phone it states I owe {$410.00} as of XX/XX/XXXX with a minimum payment of {$190.00}. None of the amounts match that are listed on the online access and the phone system. The main issue is the reporting of dates that do not give correct information.
Product: Credit card

I have received a letter stating that my Bank of America card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Bank of America and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Bank of America closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.
Product: Debt collection

I did business with XXXX at our estate in XXXX, VA. We sold the home and XXXX sent a {$150.00} bill to collections for an unreturned receiver on the satellite they placed onto our 35 foot tall roof with a steep pitch. We told XXXX that versus myself-a XXXX veteran to climb onto the roof to get it after they installed it originally, I would pay the {$150.00}. Without notifying me of the bill, XXXX sent it to this bill to McCarthy, Burgess, & Wolff. I have called 6 times to McCarthy Burgess and Wolff to pay this bill but they do not accept XXXX XXXX and when I try to pay using my XXXX, my bank tags it as fraud. The continue to hang-up on me when trying to pay as well. I have no collections on my credit reports, always pay my bills in advance, and have no idea how it's legal for XXXX to send this to collections without telling me first. Assistance would be greatly appreciated. Thanks so much!
Product: Credit reporting or other personal consumer reports

I filed a complaint in XXXX of XXXX  to Equifax because I can not see my accurate credit report on XXXX. I am being rejected for business credit now because of this issue. Equifax is withholding information. I sent a bill proving what my address is at the moment. Equifax is damaging my reputation.
Product: Debt collection

Upon closely inspecting my recent credit report, I identified multiple fraudulent accounts that I did not authorize.
Product: Student loan

I applied for a loan through SoFi. The advertisement says that Fixed rates are as low as 3.5 % APR. I applied for the loan and they were only able to get my 5.24 %. I called and asked a rep how they determine the score. They said a variety of factors such as job industry, duration of employment and a few others. However, my credit score is XXXX, near perfect. I explained this fact. That was barely acknowledged. 

I then asked what percentage of people have received a 3.5 % APR rate under their current offerings. The representative then said, " I have n't seen any applications with that rate. '' Under UDAAP, this may be considered a deceptive practice if no one can feasibly obtain this rate or SoFi knows that the amount is so astronomically low, that it is virtually impossible for any applicants to receive such a rate.
Product: Debt collection

Reference # XXXX Amount of XXXX sent on XXXX XXXX had to dispute by call or writing to them by XX/XX/2023 I did not open this notice until today XX/XX/2023 i had covid got very sick.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Mortgage

I have a property foreclosure sale date set for XX/XX/2020, I have requested mortgage assistance with my mortgage company several times, they have given me the run a round saying they didn't receive my documents and refusing to assist me with my mortgage. 
Received foreclosure notice from Foreclosure Attorney and Select Port Folio a sale date has been set for my home to foreclose even though the president of the United States has imposed the Care Act because of Covid-19 stopping property foreclosures sales nationwide. I have recently submitted another request for mortgage assistance including my financials to Select Port Folio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i don't know where these two hard inquiries come from its false information i need them removed right away from all XXXX credit reporting companies.. the hard inquiries are XXXX  address XXXXXXXX XXXX XXXX XXXX  ut XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX XXXX XXXX XXXX u.s.c 1681 section 602 A. law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

Im filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either XXXX  can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status And XXXX XXXX has stole and used my identity with out my consent and has committed fraud against me.
Product: Money transfer, virtual currency, or money service

I connected with XXXX XXXX on XXXX, a friend of a friend selling XXXXXXXX XXXX tickets. I sent money via XXXX to purchase the tickets and sent {$200.00}. I did not receive the ticket because the seller said they needed the full price before transferring to protect themselves. I sent {$200.00} and they still did not send me the ticket. He said if I wanted XXXX I needed to send the full amount. I sent another amount of {$400.00} and thats when I realized I had been scammed. This account was hacked and this person didnt really have the tickets. When sending money on XXXX, it went into an account of XXXX XXXX. Wells Fargo said the transactions were my fault and I should have known better.