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

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) was reported on my credit report. As of XXXX the balance is {$470.00}. On XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$610.00}. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) reported on my credit report with a balance of {$3700.00}. On XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) was also reported on my credit report with a balance of {$830.00}. I have made multiple claims about these incorrect reports.
Product: Student loan

I have open a case stating false marketing practices, pressure to attend false promises with job placement tactics. High pressure to continue to take out student loans. Caused financial issues.
Product: Debt collection

Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an item on XXXX for XXXX. 5 days later on XX/XX/XXXX I recieved an empty box from the seller. I tried to contact the seller via phone numerous times but no one anwsered. Realizing I had been scammed I disputed the charge. Venmo credit originally credited my card for the fradulent charge. Today I log into my account and as of XX/XX/XXXX I again have a rebill for the XXXX. Venmo did not communicate with me at all about why they charged me again, or why they feel I need to be held responsable for fraud. Venmo is obviously not investigating this scam in good faith, communicating with me on action with my account and as a result not protecting me as a customer from fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Debt collection

AN ACCOUNT KNOWN AS WELLS FARGO CREDIT CARD SERVICE HAS A CLOSED ACCOUNT SHOWING ON MY CREDIT REPORT THAT WAS OPENED ON XX/XX/XXXX, AND CLOSED XX/XX/. THERE IS NO MONEY OR DEBT OWED.
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 tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with SECURITY CREDIT SERVICE, They did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove immediately.
Product: Debt collection

We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Barclay, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, Barclay continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with Barclay for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, Barclay has continued to report the account on my credit report, which has negatively impacted my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against Barclay for its failure to comply with the FRCA. I also request that you ensure that Barclay removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Product: Mortgage

i complained before that i was told by my mortgage company to file a complaint here when they refused to remove information from my credit report that shouldn't be there... .they answered here making a series of false statements regarding why they did this ... .you informed me and closed the case... ..fine whatever we move on ... .now the issue is that the mortgage company continuously is reporting this account as XXXX days past due when this is not the case at all ... .XXXX XXXX XXXX XXXX XXXXs as well as additional money for a few extra months which should show the account as ahead as of XX/XX/XXXX or XXXX ... ..why they would go and report the account again as XXXX  days past due after the money has been disbursed a month later is beyond me... XXXX XXXX i received a credit alert that they did this and i have put in several disputes through the credit bureaus and which each time they have still persisted with the credit bureaus that as of XXXX my account is XXXX days past due when its not ... ..i reached out to them through email as i have been told time and time again to do and noone ever bothers answering any emails to address this issue... ..being frustrated i reached out to XXXX XXXXXXXX just to make sure that in fact they did disburse the money to the mortgage company in which they told me they did so and that the mortgage company receives the money immediately after disbursement .... but it can sometimes take them awhile to apply the money to the account... that is all fine and good however continually reporting the account when you have the money is not ok ... if it takes them awhile to apply the funds that is a problem with that company and not me ... ... and the account should not be reported as delinquent when they are already in possession of those funds... .how is this ok? ... .please see attached conversations with XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an email to XXXX  asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 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 which others with whom he is acquainted or who XXXX 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. 

According to XXXX XXXX. XXXX XXXX XXXX A. XXXX I have a right to privacy. 

According to XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I do not think it is fair credit reporting when an account is PAID IN FULL that the credit history of the long term loans such as housing loans, auto loans or personal loans disappear from the credit report which changes the average length of established credit. Consumers should be rewarded with a 6-25 years of perfect payments rather than the loan disappearing and tanking the credit score due to the loan being PAID. Why should 20+ years of payments disappear and the average of established suddenly go down to less than 5 years. This is not correct and affects so many consumers that work hard to pay their bills on time. When the loan is paid the established credit length should stay and not disappear. I dont know who needs to fix this or how it can be addressed but it is harming consumers with well established loans and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXXXXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Mortgage

My mortgage company sent me a modification offer which I signed and accepted. My total monthly mortgage payment is supposed to be {$1600.00}. Caliber Home Loans just called me and told me that my total mortgage payment due is {$2300.00}. I asked why it was that much and they explained that they had forgot to add fees to mortgage modification so {$2300.00} is the amount due ; this can not be legal. Caliber Home Loans needs to waive any fees that they " forgot '' to add to our executed mortgage modification agreement. Caliber Home Loans took more than 90 days to approve my modification so they had plenty of time to check their work to make sure that they were offering me the right modification. I should not have to pay for Caliber Home Loans mistakes or for fees that I did not agree to and that were not part of our agreement.
Product: Mortgage

I would like to know if Basco Credit is the company that owns my deed of trust now as they profess to buy it from XXXX XXXX XXXX XX/XX/XXXX I have not been paying my second loan since XXXX XXXX XXXX  was purchased by XXXX XXXX XXXX XXXX in XXXX I do not know if my loan were charged off already by XXXX XXXX XXXX  and lender has failed to communicate with us for 15 years and XXXX not be in compliance with disclosure requirements I do not see the connection of XXXX XXXX who sold this note to XXXX which was owned by XXXX before in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX CXXXXe XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX CXXXXe XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date : XX/XX/year> since then the date of last activity has been inconsistently updated. On XXXX the date of last active is not reporting and on XXXX the date date of last active is not reporting. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : U S DEPT OF EDXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from TransUnion, XXXX, and XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution. 

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided. 


I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit report agency are showing a XXXX XXXX that over 14 months ago. Ever month this cost me cause I was charged a higher interest rate or denied credit. Also Experian also shows affirm late which the company claims is false they don't report to credit report agency.
Product: Debt collection

Company keeps calling my home phone number after notifying them that they have the wrong number.
Product: Debt collection

Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

This is a new complaint in follow up to complaint i.d . : XXXX Please address these issue 's below : Dear Equifax, Thanks for updating the date of 1st delinquency, however, that is NOT what is being reported as completely inaccurate and false by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX behalf. This law firm is also falsely acting as a collection agency, when they are a law firm, along with their client, XXXX XXXX who has been sent multiple correspondences via certified mail with return receipt regarding the inaccurate and false amount their client claims that I owe them. Under California tenant/landlord law, XXXX XXXX XXXX my previous landlord has failed to send me an itemized state of deductions from my {$300.00} security deposit within XXXX. Therefore, XXXX XXXX is NOT owed any money from me, including the bogus {$150.00} amount they are claiming with XXXX XXXX XXXX XXXX which is being reported incorrectly/falsely on my credit report, which you continue to allow them to fasely furnish on my credit report and cause damages to my credit that are not true and accurate. NO money is due to them, as under California law they have forfeited any rights to not only withhold any funds from my {$300.00} security deposit or to be able to charge anything above the {$300.00} security deposit. 

Instead, XXXX XXXX actually OWES me a full and complete refund of my {$300.00} security deposit, which they have NOT returned back to me. I have contacted both XXXX XXXX and their law firm XXXX XXXX XXXX XXXX XXXX XXXX and both have been non-cooperative and non-responsive in refunding me the {$300.00} security deposit or removing the false {$150.00} collection amount which is NOT legally owed to XXXX XXXX. I am demanding that you take action and remove the inaccurate collection being reported on my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> To Whom It May Concern at Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX This letter serves as a formal complaint regarding inaccurate and incomplete information listed on my credit report, specifically concerning the notation of late payments on account number Account Details : Account Number : XXXX XXXX Account Status : PAYS_AS_AGREED Account Type : REVOLVING Loan Type : SECURED_CREDIT_CARD Balance : {$660.00} Credit Limit : {$720.00} High Credit : {$660.00} Available Credit : {$62.00} I am disputing the listed late payments on this account, as I believe the information is not accurate. I request a thorough investigation to verify all data associated with this account, including every notation, date, and balance, whether reported or not.

Furthermore, I respectfully request that you provide me with specific proof that these alleged late payments were indeed late. Please provide access to all statements and payment transaction records from the creditor that would substantiate the claim of late payments.

As per consumer protection laws, I understand that you are required to verify disputed information with the reporting creditor. If they are unable to provide sufficient proof of these payments being late, I request that you update my payment history to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status on this account.

Please address this matter promptly and update my credit report accordingly. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX sold my loan to SST ( Systems and Services Technologies ) I paid off the loan to about {$5000.00} and then to XXXX. Now I have a XXXX XXXX XXXX and a SST XXXX on my report. Both showing open with missed payments Both should be showing closed and XXXX I called company and they said the credit agency was wrong I opened disputes with XXXX and XXXX. but SST told them it was correct.
Product: Checking or savings account

Chase has now resorted to using the same practices that XXXX  XXXX XXXX was fined for. They are lumping deposits together in such a way that they suddenly hit your account, without any warning. They are hiding deposits. They are showing deposits as having been deposited on a certain date and then retracting them.