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

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 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. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX  # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXXl # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts properly they would see that the accounts don't belong to me.
Product: Credit card

USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their " pay-ahead '' program. I paid {$1400.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement. 

Here is the text of the portion of the terms of my credit card account : " Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX attempt order credit report via annual https : //www.transunion.com/ per alert fraudulent activity related to use of identity use by someone else and to contact TransUnion. I contact via phone and requested copy of report on XX/XX/XXXX and did not receive in mail. I attempt to contact via phone on XX/XX/XXXX and the representative advised could not help with and transferred to department which hung up the line.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons : 1- accounts number shows incomplete 2-date reported do not match in the 3 credit bareus 3- the account has been marked as charged off repeatedly that is illegal I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) 2. [ Other supporting documents, such as proof of wrong information reported in my credit report Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.
Product: Debt collection

I have no recollection of Said Debt with Jefferson Capital Systems LLC and would like to have this Debt removed immediately from my credit file Jefferson Capital reference number is XXXX
Product: Student loan

My daughter took out a private student loan two years ago from Wells Fargo and we, her parents, co-signed.The condition of the loan agreement we signed was that payments did not come due till my daughter graduated, or was no longer a XXXX XXXX XXXX. She is still a XXXX XXXX XXXX, and has just recently been informed that her credit is ruined because her student loan is in default. Apparently there was a mistake, but Wells Fargo is dragging their feet on correcting their mistake, and meanwhile, my daughter ca n't even open a checking account as her credit score is so damaged by their mistake. They keep pressuring us to pay the whole amount, which is {$30000.00} to resolve this issue faster. But paying the full amount while our daughter is still in school was not the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has taken more than 30 days to report back to me as the consumer. Please delete these accounts : After my request for a line by line investigation of the accounts listed below ; my XXXXXXXX XXXX XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of my rights. 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.
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 violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 1XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

XXXX. Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX. Inquiry from XXXX on XXXX.I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Please delete all other addresses. 

XXXX. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : 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 or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Wiring instructions for real estate closing for {$270000.00} hacked Name of bank for wiring instructions fraudulently whited out and replaced by the name of a Wells Fargo Bank in XXXX IL XXXX Routing Number and Account Number for Wells Fargo Bank fraudulently changed on wiring instructions Fradulent Information Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX ABA Routing # XXXX Account # XXXX These fraudulent errors detected by attorney doing the real estate closing Name of bank, routing #, and account # corrected.by real estate closing attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations remove : Also known as XXXX, XXXX XXXX, XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX XXXX BANKRUPTCY COURT XXXX XXXX bankruptcy filing Original filing date : XX/XX/XXXX Latest status date : Account Info Reference Number XXXX Court U.S. Bankruptcy Court
Product: Debt collection

I called to settle debt but they're saying I need to pay to get account removed but haven't provided any insurance claims or verifications that they can collect debt on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG you are referencing the wrong phone call. I called the same month my payment was due to pay off the credit card. I NEVER spoke to that agent at all. All she said was hello and after I said hello she hung up on me. I was on hold for an hour. I could not afford to be on hold for another hour. I thought I paid at the store the following week. I even tried to have the store update my address. The store said they could not. The reason I could not pay nor update my address is because you have a bad phone customer service process. As a result I did not get my payment in on time and I was never notified about late payments BECAUSE of your bad phone customer service. I have everything else paid on time. I pay my mortgages, bills and other credit cards on time. YOU are the only one that has left a derogatory on my credit report and I should not have to pay for YOUR poor customer service!
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 playform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

XXXX I secured a loan modification for my mortgage through Ocwen. My first trial period and payment started XXXX. XXXX payment was paid and accepted. XXXX payment was paid and accepted. when I went to make the final trial payment for XXXX my payment was not accepted. I was making payments via XXXX or XXXX. When I called Ocwen in XXXX, with regards to me not being able to make my XXXX mortgage payment I was told that my loan modification had been denied because Ocwen did not receive the sign agreement in a timely manner and because of that Ocwen will not accept any more of my payments. I disagreed with Ocwen stating that my loan modification agreement was n't received on time and that I had proof and receipt of time and date when paper work was sent to Ocwen. I disputed this with Ocwen escalations department with regards to my loan modification and attached copies of signed loan modification agreements which verified receipt of date to Ocwen. I have spoke to XXXX of Ocwen specialist regarding my situation. XXXX of Ocwen representative one whose a supervisor told me that my loan modification effect should have been approved and executed because the loan modification agreements was returned in a timely manner. I have yet to get resolve for this matter. I have been scheduled weekly phone apts with Ocwen since XXXX. Ocwen has continue to lie and give me the run away with my loan modification. Ocwen has did nothing in good faith to resolve this issue. Ocwen has broken so many laws while dealing with my case. Even though I 'm still in dispute with Ocwen regarding n loan modification with no resolved i received paper work from attorney representing Ocwen regarding foreclosure. I have documentations, dates time and witnesses on my be half, thank you
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX, 2024 and I saw some late payments that suppose to be on time. Please delete 30 day late payment from my credit report due to violation of 15 USC 1681s-2 ( F ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 US.S.C 1681 Section 604 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 of information Any other adverse item of information, other than records of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 s-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. 

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

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXXXXXX  and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by Aidvantage showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with Aidvantage who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to Aidvantage that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was 6 Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find 6 banks to finance my vehicle loan without My Consent. They agreed to send letters to XXXX, Equifax and XXXX. All 3 Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.
Product: Student loan

I refinanced my student loans with College Ave Student Loan Servicing in XXXX. The account was paid off in excess of $ XXXX dollar on XX/XX/XXXX. When I called to inquire about when I could expect a refund for my over payment, I was told it would be no longer than 45-60 days after the payment was received. 

As it's now over 60 days past their acceptance of the payment I called to inquire about my refund to be told that I was given the wrong information and it's actually 45-60 working days before a refund is provided. When I asked for them to show me where that notification is posted on their website, or on the e-letter I received indicating my loan balance had been paid off in full they could not provide me with any written proof of this being their policy. 

Furthermore, they are now saying since their own internal refund department did not receive notification of the payoff until XX/XX/XXXX, it would be 60 working days from that date before the refund is issued. 

This is a complete scam. Who knows how much floating capital they are collecting interest on while borrowers are waiting for their money. This is an illegal practice, and also somewhat ironic as I can only imagine what kind of debt collection XXXX they would put someone through who was 60 days late of providing them with their required loan payment. 

This company is dishonest, DO NOT trust them with your loans.
Product: Debt collection

In XX/XX/2022, my checking account with XXXX XXXX was hacked. Thankfully, I caught this within minutes. My local brach stopped payment on the few transactions that had been initiated fraudulently, and I lost no money. However, shortly thereafter I received a letter from " TRS Recovery Services '' claiming to be collecting a bill of {$130.00} on behalf of XXXX that they claim was unpaid when my account closed. 

I owe no such bill to XXXX. Worried that the hacker may have used my checking account info to pay for ( a rather expensive ) XXXX ride, I even contacted XXXX to ask if they hire outside companies to collect debts on their behalf. XXXX replied to me that they do not hire outside companies, or TRS specifically, for their debt collections. Furthermore, if the payment to XXXX had been declined, XXXX would not have accepted the ride request and there would have been no money lost ( which is to say, no debt to collect. ) When I went on the TRS website to object to the debt, their website required me to enter a large amount of personal data, including data that could itself lead to identity fraud. They also requested me to provide them with information about the debt that they claim to be collecting - information they should have if the debt were actually real. Needless to say, I did not complete that form. 

All of this leads me to think that TRS is itself a fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The limited credit card closed the account due to Store closing,, they reported closed for months and then on XX/XX/19 they reported delinquent. 
Which I never was and why would you report closed for months then all of a sudden report delinquent? All my bills are paid on time.