23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with personnel from XXXX, XXXX, and Transunion about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a credit card with Capital One. Towards the end of last year, my income ended. I did my best to keep up with payments, but eventually the money ran out. I called capital one for assistance and they offered me the option to pay or pay. There was no forbearance program, and if I wanted to delay payment, I had to know exactly how much I would be able to pay and exactly when before I had even found a new source of income.
Product: Payday loan, title loan, or personal loan

Company harassed my ex girlfriend via social media about my account which is very unprofessional and a breach of trust. My ex girlfriend should not know what is going on with my personal business. New associate felt because she knew my ex girlfriend she could provide her with my information via XXXX.
Product: Debt collection

Nationwide Recovery placed debt on my credit report without giving me a chance to dispute the debt. They have also stated on my credit reports that I incurred this debt in XX/XX/2020 and this is tantamount to fraud. It seems as though they are attempting to re-age a debt. This item must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  third-party, is reporting information to TransUnion regarding alleged account information that I have not given them consent to report nor do I have a contract with this third-party agency. I mailed a certified letter to XXXX  to the address that is listed on the TransUnion Report, and it was returned to me as " Moved Left No Address ''. I would like this information removed from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed a total amount of {$660.00} ( {$160.00} for application fee {$500.00} to holding fee ) by someone pretending to be a property manager from a rental company in Georgia XXXX XXXX XXXX XXXX, XXXX XXXX. Once i became aware that it was a scam, I immediately contacted the my financial institution PNC to let them know of what happened. The told me that it was nothing they was willing to do to stop the payment nor reverse the payment on my behalf. On XX/XX/year> {$200.00} ( partial deposit ) was scammed from my account from a different person claiming to be from the same property pertaining to Georgia. Again I contacted my financial institution with no avail. All transactions was through XXXX. While using the zelle application, there was never a mention to verify the receiver information nor any verification steps to make sure the receiver was a legitimate customer in 2021. I was never asked the questions that I am asked today using XXXX to make ensure that I am sending and receiving funds in a safe and legitimate manner. Also because I reported the fraud/scam to my institution, I was the one whom was punished by XXXX and was not able to do any more zelle transactions. I got scammed twice!!
Product: Debt collection

1. A refund check in the amount of XXXX was sent from the city of XXXX, VA for my benefit to Dovenmuehle Mortgage Company to be disbursed to me approximately XX/XX/2020. 
2. As of XX/XX/2020 there is no check. Ive made over 75 phone calls regarding the status of my check. I spoke with numerous customer service representatives ; Ive discussed the matter further inherently speaking with at least three of the same supervisors twice. There were so many stories as to why I have not received my check : I was told it was sent out XX/XX/2020. The customer service rep said it will take 30 days before they could cut another check. Around XX/XX/2020 I called to check the status, customer service rep said they had to research it ( Not sure what they were doing for 30 days? ) I called several more times, they came up with these stories : It was sent out. Its processing. I dont know. I will call you back. I will expedite it. No one in that department has responded. We were out because of COVID-19. They are looking into it This mortgage company only recently began to use COVID_19 as an excuse.. 
3. This money was desperately needed to assist me with clearing up my debt for my security clearance and to obtain a hiring position. I told XXXX XXXX XXXX XXXX   I would have my outstanding debts paid down. Due to this companys lackadaisical attitude, incompetence, reckless and total disregard for me as XXXX veteran and that I care for a wheel-chair bound sibling ; I loss a position that I was being looked at for promotion ; Im now being looked at for demotion due to my financial responsibilities that were not completed due to my funds being withheld. Had this mortgage company return my refund check in a timely matter, I would have a promotion instead of being on the brink of being unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX  and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Every student loan I have ( 28 ) that said $ XXXX  is due and it is I. Good standing was put on my credit report had a negative mark. 1 loan which is in default was never put into good standing as was the directive from the US Department of Education. I also asked several times to consolidate them all and it still had not been done. My credit score has dropped 200 points since COVID-19 started and they reported all this. I also have asked multiple times to send me a bill which they have never done. All they say is that they emailed me. I never opted To have eBilling ever.
Product: Debt collection

I have closely examined my most recent credit report and noticed several accounts that were fraudulently added without my permission.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on XXXX that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/2025. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I have communicated with chase bank, XXXX and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is Chase Home Finance XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence Chase bank, XXXX and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Product: Credit card

XX/XX/2023 i woke up to two alerts from XXXX XXXX at XXXX XXXX  that there was an update on my credit report and a hard credit check was added to my report. 

i recieved two more alerts from Capitol One at XXXX XXXX  that my phone number was updated and i was appoved for a card despite never applying for XXXX. 

I recieved an alert from both XXXX at XXXX XXXX  and XXXX XXXX at XXXX XXXX  that there were new inquiries on my credit report so i need to report fraud.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX  Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR Experian 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my XXXX   XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my XXXX   XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Product: Credit reporting

I made the payment via the internet but creditor ( XXXX XXXX ) does not want to recognized that payment was made on time. If they do not receive the money on time I should not be punished for bank transfer delays.
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested.

This a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any late payments or ownership of the following account number : XXXX Please provide me with : 1. What the money was owed 2. A detailed explanation of how you calculated any late payments.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.
Product: Mortgage

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, New York, XXXX, loan # XXXX. My name is XXXX XXXX, I think thats violation of people privacy, so one to many time, My wife and I inside my apartment while I try to take shower in my bathroom, then i see something flashing on me, I do n't know what is that but when i see that It is very scary for me and my wife, because that do n't suppose to happen when I take off my clothes too take shower, to see something like that happen that make us very scared to take shower in our bathroom. That cause us to not take shower at all eventually we find out that is WellsFargo send the agent to do that, WellsFargo know very much that we are living in this house. They know that this house is primary residence because what they do. That trouble my wife and I that make us do n't take showers because they try to take our picture. We find out WellsFargo send the agent out to take the house picture. If for any reason Wells Fargo want to take the picture of the house they should advise us, they have to tell me where they get that right from. Its not only they take the picture they send me the pictures and they say they do it. I have the picture. To me thats a violation of Human Privacy. I think that is malpractice on behalf of WellsFargo.
Product: Credit card or prepaid card

I applied for a Citi/AAdvantage Platinum Select XXXX 

The advertised promotion was that I would get XXXX XXXX XXXX Flyer points if I would spend {$3000.00} within Three months on the card.
I called the company and told them that I had another older Citi Card, and asked if that would invalidate the promotion on the new card. They said that it would not. They said that each card was a separate account, and the promotion on the new card was separate from any old card. I was assured that the promotion on the new card was valid. 

I called Citi on XXXX XXXX, 2017 and was told that since I had a previous Citi Card, the promotion was not valid, and I would not receive any AA flyer points, even though I had spent the {$3000.00}. I felt cheated, and immediately canceled the new card, not wanting to do any business with a company that treated customers so badly. 

I believe that I am entitled to the XXXX points, since an employer of the company, in a telephone conversation, said I was.
Product: Debt collection

A collection is reporting to all credit bureaus for an amount of {$140.00}, however this creditor is not bonded in the state of Georgia to report any debts.
Product: Mortgage

Mortgage held by Atlantic Pacific Mortgage Corp. was paid in full XX/XX/XXXX, but Deed of Trust was never released. This was discovered XX/XX/XXXX, when processing a refinancing transaction. Despite numerous telephone calls, emails and a demand letter sent via certified mail, the Deed of Trust still has not been released.
Product: Debt collection

I went to the hospital in XXXXXXXX XXXX 2021, XXXX XXXX XXXX XXXX. The only bill I received was for {$1100.00} and I paid online but most was paid my insurance. I never received a bill for XXXX , until a collection noticed came and I called and disputed and never heard from them again. Then it hit collection without notice and Ive been harassed by collection since it has hit, but Ive explained and sent this information I have in and still it sits in collections.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution practices, particularly in light of the recent CFPB lawsuit exposing systemic shortcomings within the platform. Despite being a frequent user and reporting discrepancies in transactions, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracing these transactions was not feasible.

The CFPBs findings reveal a troubling pattern of negligence, where Zelle has failed to implement adequate consumer protections, enabling repeat offenders to exploit the system and leaving users exposed to fraud. This lack of accountability and transparency is deeply troubling and calls into question Zelles commitment to consumer safety and trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not able to get consumer file online with ARS ( Advanced Resolution Services ) attached is letter
Product: Credit reporting or other personal consumer reports

I am writing to provide an update regarding the dispute I previously filed with the Consumer Financial Protection Bureau. My dispute was related to inaccuracies on my credit reports from Experian, XXXX, and XXXX. The reference numbers for my complaints are : XXXX XXXX XXXX I filed these disputes concerning inaccurate information that I identified on my credit reports with Experian, XXXX, and XXXX. Since filing my original complaint, I have made efforts to follow up on the status of my disputes and have received responses from the three credit bureaus. I am attaching examples of the correspondence, as well as my current credit report findings, for your review. 

In these documents, you will find a detailed outline of the issues I reported, the credit bureaus ' responses, and any updates I have received regarding the resolution process. I have included the relevant pages of the credit reports from Experian, XXXX, and XXXX, as well as any dispute resolutions or lack of resolution.