23daVinci/CFPB_Complaints huggingface dataset:
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. Even after using Zelle many times and reporting discrepancies, my financial institution ( XXXX XXXX  ) and Zelle failed to investigate my claims adequately. They informed me that tracking these funds was unfeasible and that recovering any lost funds was impossible. I lost {$300.00} to scam and over {$500.00} from my previous bank ( XXXX ) when I transferred to XXXX XXXX. 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. This has raised serious concern for consumer safety.
Product: Credit reporting or other personal consumer reports

Disputed via experience, XXXX. XXXX dispute center not active. 

My credit report has XXXX incorrectly reported accounts. There are paid in full closed accounts reported as delinquent. There are car loans paid off reported as closed, not indicating it was paid off. There are credit cards reported as written off when they were paid and closed. I have paid accounts being reported as closed that are affecting and lowering my score. My home loan is listed as a closed account when my loan is active it was just purchased and has a new owner. So I have XXXX home loan accounts reporting. The other loan needs to be removed completely.
Product: Credit card or prepaid card

I paid off my credit balances of two credit cards with Chase bank. After I paid the credit cards off, and with a stellar 25 year history with Chase, they did a " business review '' of my accounts and cut my credit limits in half. Although they can cut my credit limits in half without any " hard '' credit pull, they are now telling me that in order to reinstate my credit limits to the limits that I have had for more than 10 years, they will need to do a " hard '' credit pull. So, now I am in a position where either way my credit score will be affected. I can have them do a " hard '' credit pull to reevaluate my credit limits, or I can leave the limits where they are and have my credit score affected by that. This is a pattern and practice for Chase because when I paid off one of the credit cards the last time, upon pay off to XXXX  Chase sliced my credit limit on that card from {$26000.00} to {$10000.00}. This is unfairly negatively affecting my credit score.
Product: Mortgage

On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing. 

During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one. 

I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home. 

I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family. 

Thank you in advanced, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
* Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX thru XXXX of XXXX XXXX XXXX XXXX XXXX state that my account was place in collections. This loan was paid off after trading in the vehicle in XXXX. How can I be in collections if the loan was paid off 2 years earlier.
Product: Debt collection

This is not my account. I received calls repeatedly after I asked not to be contacted. I asked for validation and only received statements that does not validate the account. I asked for proof that said company is in charge of said account. 
XXXX has open date XX/XX/XXXX XXXX has open dates XX/XX/XXXX XXXX has last activity XX/XX/XXXX XXXX has XX/XX/XXXX XXXX have collection account the other has open account Payment status collection/ chargers the other late XXXX  days Not consistent can delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Experian failure to respond to my written personal info dispute letter DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ). This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. THIS FAILURE IS A VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. 

This is not the only personal info dispute letter received by Experian, there has been prior letter disputing personal info and continually they refuse to correct the information even after being proved proof of the inaccuracies. Experian is attaching two addition names of individual to my Credit file similar to my Legal name but not my legal name. EXPERIAN REFUSES TO DELETE THESE TWO FALSE NAMES. 

The dispute letter in question is attached to this CFPB complaint. When I did send this letter to Experian along with this personal info dispute letter I attached my State of New Jersey drivers license, my current utility bill, and my Social Security Card all bearing my only Legal Name correctly spelled. This shouldve left no room for Experian to misconstrue the correct facts regarding my personal information. 

Experian is constantly and continuing to report inaccurate personal info on my Credit File. Time after Time I submitted proper documentation of my Identity, Correct Name, and Address. Experian continues to report my name wrong after repeated attempts of sending in my personal info dispute letters, which they continue to disregard. Experian needs to delete any name on my Credit File that is not my Legal Name. 
Please delete all incorrect names off my report, as they are not deliverable to me by the U.S. Postal Service, and they are not reportable because they are inaccurate and false. As per the FCRA, listing false and inaccurate information will lead to civil penalties in which I am going to pursue under the FCRA and the NJ FCRA
Product: Credit reporting or other personal consumer reports

I requested to receive authentic receipts of how the information was validated on my credit report on numerous occasions. Equifax failed each time to supply the information and in turn advised me that the information has been verified. I would like to receive authentic contracts from the debt collectors on my credit file and I would like to receive receipts of how Equifax validated this information.
Product: Payday loan, title loan, personal loan, or advance loan

The individual reported inaccurate information to the consumer credit report. Under section 623 ( b ) a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. There are several inaccuracies listed on the report such as dates and other reporting factors.
Product: Checking or savings account

Truist has an app called the XXXX XXXX that they advertise that you have to link a Truist Account to. Supposedly, by signing up for the XXXX XXXX you can be entered into a weekly drawing to win $ XXXX called XXXX XXXX. I googled XXXX XXXX and the only thing that comes up is the Truist XXXX XXXX- i don't think this weekly drawing for a XXXX dollars actually exists. I think this is a clear UDAAP violation for deceptive practices. I think they are doing research into XXXX 's and created a bunch of fake websites such as XXXX which has a fake conference called the XXXX XXXX XXXX ( XXXX ) to hype up this fake game. It's weird but it all appears to be fake. Please look into this CFPB! Thank you.
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 to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX and Account name : XXXX XXXX XXXX has violated 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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided misleading information and did not provide any consumer alerts for forbearance to be managed correctly. 

The told me over a call forbearance would be for 6 months. 
Then i get a 60 day late XXXX & XXXX Previously I had done the 6 months and all of a sudden it was 3 months. 
No email. 
No calls from account manager or bank. 
No clear communication giving me an opportunity to manage my account. 
Mortgage statements did not come or they were also misleading showing all LATE so wether i was in good standing or not showered late so I couldn't tell when I really was I have been frighting with mortgage company about the unfairness, i have disputed with credit bureau but my credit was still affected. 

Now, I see there is a lawsuit that has been settled for the same reason I am claiming. 
- misleading information - violation of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act
Product: Credit reporting or other personal consumer reports

Wells Fargo Bank Credit Card. This account is not 30 days past due. I made a payment on XX/XX/XXXX. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/XXXX payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received dispute results for my dispute regarding this account. XXXX XXXX originally reported this account as past due for XX/XX/XXXX. I provided proof that I made my payment within 30 days of the due date for the XX/XX/XXXX payment. XXXX XXXX dispute results changed the account from late to unknown in XX/XX/XXXX and updated the payment status to Current as of XX/XX/XXXX. On XX/XX/XXXX, I made my payment for the XX/XX/XXXX payment, which was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX and XXXX XXXX is reporting the account status as 30 days late. The account is not 30 days past due and status should be reported as current. Attached is a screenshot of my online account, which shows my payment in XX/XX/XXXX.
Product: Debt collection

Found this item on my credit report, and I never had this account. I am disputing this account I never had this account.
Product: Mortgage

I submitted paperwork to the mortgage servicer regarding a short sale and this company is giving me the round around, in fact they are working hard in foreclosing on my house, I have submitted my financial statements, a purchase contract have been accepted but they have not approve my short sale
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX OPENED XX/XX/year> {$51000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a formal dispute to Santander Consumer USA to dispute an inaccurate repossession listed on my credit report. This account has been paid in full and should be reflected as paid in full/closed. I requested an account validation and I also requested that they would outline how they came to the conclusion that an account that has been paid in full would be listed inaccurately as a repossession. The company failed to address my complaint at that time so I followed up on XX/XX/year> with a second formal complaint. At this time, Santander Consumer USA has failed to respond to my requests for validation and for my requests for this to be updated on my credit report to show as CLOSED/PAID IN FULL or to be DELETED from my credit report.
Product: Mortgage

XX/XX/XXXX we signed a mortgage. It had a balloon payment due XX/XX/XXXX. 
We had forgotten about our balloon payment and when we made our XX/XX/XXXX payment in XX/XX/XXXX, Ocwen refused to process it. We tried to make another payment, but they still refused to process it. We were informed we had a balloon payment due and they said we needed to pay the balance in full. Because they would not process our payments, we were past due on our mortgage and so we could not qualify to refinance our home. We thought if we filed Bankruptcy we could save our by entering into a payment arrangement and they would not allow it. Our home has been foreclosed on and is due to be sold XX/XX/XXXX. We have also found that that mortgage was recorded on the wrong piece of property. It was recorded on a piece on land we own next to our home. Now the attorney said they are going to take both pieces and our home. This is not fair as we did not sign over both pieces of property for our home loan. We desperately need you help
Product: Credit reporting or other personal consumer reports

I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX be deleted from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX XXXX # ... XXXX is in violation of 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a CFPB complaint ( # XXXX ), which has since closed, the company I complained about, Seterus, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage.

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, Seterus entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by Seterus is a direct result of filing a complaint.

I am again requesting the entire Seterus entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that XXXX XXXX XXXX had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called XXXX XXXX XXXX to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.
Product: Credit reporting or other personal consumer reports

I disputed a bankruptcy item that the XXXX consumer information reporting company and the Transunion consumer information reporting company. I disputed this bankruptcy item with both companies during the disputing process and alerted them that the bankruptcy item that their company was reporting was not my bankruptcy. I received information from both companies at the end of their investigations that the information had been verified as accurate and not changes will be made. I contacted the Clerk of Court and was told that there is NO BANKRUPTCY in their court system for me, as well as, that they do not give court case information to any " credit bureau '' and that they do not verify any court case information with any " credit bureau '', because they do not give out that information. Employees from both companies committed fraud against me, because they sent me dispute results saying that the item had been verified as accurate, when the Clerk of Court said that they do not verify any court case information with any " credit bureau ''. The Clerk of Court also instructed me on how to get to the informational page of the Court website that states this for everyone to see. The XXXX consumer information reporting company is reporting a bankruptcy item on my " credit file '' that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The XXXX consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. The Transunion consumer information reporting company is reporting a bankruptcy item on their " credit file '' attached to my social security number that does not belong to me, which they did not get from the Court nor did they contact the Court to verify this information, yet they included in their dispute results given to me that this item was verified as correct. This is in violation of 15 USC 1681s2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), 15 USC 1681e ( b ), and 15 USC 1681 ( b ) ( 2 ). I request that this bankruptcy item that is not mine and is being shared as my consumer information through fraudulent activities by both the XXXX consumer information reporting company and the Transunion consumer information reporting company be removed from the " credit files '' attached to my social security number of both companies.