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

I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and Trans Union claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only XXXX how many others that are going through the same thing. This needs to be fixed asap. Thanks
Product: Debt collection

I have been recieving text messages that say : Welcome! You'll receive account texts from AmSher, a Debt Collector # XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will now receive texts from AmSher - a Debt Collector, about your unpaid balance with XXXX XXXX. 
Questions call XXXX. Pmts and Info : XXXX XXXX XXXXXXXX Acct # XXXX # of Msgs Varies. 


I have no outstanding balance or even an account with XXXX  anymore and this is not the first time and I would like it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 56 days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Product: Student loan

I refinanced nearly {$54000.00} in student loan debt with a company called earnest. I made a mistake in taking up service with earnest. It's not a good fit. I realized immediately on a Sunday. I called Monday and they were closed for XXXX XXXX. So, I called immediately as they opened on XX/XX/XXXX. Well within my rightful timeframe of 3 business days to cancel. I was assured it was all taken care of. About a week later I received an email stating the funds were being sent to the servicers. I called immediately and they blamed it on an anomaly in their system. 3 days later I still have no update.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

In XXXX of 2021 I purchased a home. On XX/XX/2021 the loan was acquired by NewRez. On XX/XX/2021 I received a letter from NewRez LLC that said their records show my hazard insurance had expired and they plan to buy insurance for my property. The letter said to call them if I have questions. The phone number in the letter XXXX XXXX ) did not work. So I XXXX XXXX NewRez and called the number I found. That was for a different company, not sure the organizational structure of NewRez, but they were able to provide the number I needed.

I finally reached someone at NewRez and imagine my surprise, they had received the documentation of my insurance that very day! This was on XX/XX/XXXX. 

My complaints : 1. The phone number provided in the " debt collection letter '' is not in service. Consumer unable to call based on that.

2. Timing is really suspicious. They acquire a loan and don't get the insurance information at that time? Suspect. Then they wait a few months after acquiring to realize that there's no insurance and send a letter? What kind of business are they running? Then the documentation magically appears the very same day I phone them? Also suspicious. 

This whole thing seems pretty shady to me. Feels like they're preying on consumers who aren't going to be as diligent as I am on tracking them down and holding them accountable. 

In fairness, when I finally did reach someone they were super friendly and helpful. They provided me the date the loan was acquired, and answered all my questions, and patiently listened to my rant! Even offered to file the complaint on my behalf ( I mentioned the CFPB on the phone ) which I asked her to do. So that's great. I'm not really clear on whether the complaint she referred to was something internal at NewRez or if she meant she'd file something to the CFPB. So if CFPB received duplicate complaints, one from me and one from them, sorry! They win some points if that's the case for actually filing the thing.
Product: Debt collection

My cars XXXX  was apparently stolen and was used in an accident which my car was not in any way involved in. XXXX, the insurance company of the car that was involved in the alleged accident, filed a claim against XXXX XXXX, my insurance company, which was denied. XXXX then sold the {$2000.00} debt to AFNI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, who have sent letters and made phone calls to me to collect the debt which I do not owe. I have filed a fraud complaint with XXXX XXXX XXXX, and I have complained to XXXX, and I have told AFNI that I refuse to pay, and they continue to badger me with letters and phone calls.
Product: Credit card or prepaid card

Yes i stated notice in my trends on my XXXX XXXX XXXXn XX/XX/2021 that there have been alot of purchase of hotels mics electronics phones and much more products were purchased on my way to card that I never purchase there is XXXX XXXX there is XXXX there is another card that is out there that has been used and I have tried to get the company to find out where this XXXX XXXX XXXXs They are still taking money out of my company that I work for now and still using it on the XXXX XXXX Ive been asking for help since last year and have not got a letter anything in the mail saying that this is going to be taken care of I dont know where else to town to do but to do this
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I noticed a sharp decrease in my Credit Journey Score ( powered by Experian ). I spoke to Experian and they informed me that XXXX had provided them information that XXXX accounts were now in default/closed - basically classified in a way that negatively impacts a credit score in a severe way.

I did enter into a payment program with XXXX for these accounts on/around XX/XX/XXXX and have been in good standing with repayment for over 2+ years. Payments have been on time and in full each month. 

After speaking with both XXXX/Experian I disputed the credit events with Experian ( Report # XXXX ) and they upheld the decision to drop my score in XX/XX/XXXX based on information provided by XXXX. 

I filed a complaint with CFPB ( XXXX ) against XXXX for providing reporting agencies incorrect information which they dispute and now point the finger at Experian. 

Neither XXXX or Experian has adequately explained the following : 1 ) how my accounts can be listed as in default when I am in current repayment? 
2 ) how is this coming up now after 2+ years into a consolidation program? 
3 ) why is this negatively impacting my score when I am in good standing with my lender? 

I suspect this has impacted XXXX of people like me and would now like the CFPB to investigate this matter with Experian.
Product: Vehicle loan or lease

On XX/XX/ I spoke with representative at Ally Financial regarding my past due balance and future payments. My vehicle was under review for repossession and I aware that a payment was needed immediately. I advised the representative I made a payment of XXXX earlier in the week to show my effort to make payments and continue weekly since my job pays weekly and we are due for overtime since our production is going up. I advised I would make payments weekly now to catch up and get the balance back to current. She advised to make an additional payment of XXXX to avoid possibly having my vehicle repossessed. I agreed to do so the following day and she stated she would note the account. The following morning before I could go to work, my vehicle was dragged out of my driveway by XXXX XXXX which Ive experienced very rude service through the operator or dispatch. I felt violated and lied to. I was truly blindsided by this event which also caused me to miss days at work. Ally financial has truly lost their trust as an institution to finance my vehicle and I look forward to refinancing with a bank Ive had a relationship for many years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$57000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

XXXX XXXX called and said that an XXXX XXXX had sent my info and my debt over to them. I asked her for details and she wouldnt provide them. It was supposedly for a debt in XXXX XXXX. I live in XXXX XXXX. They had my number and name and the wrong birthday. I asked how they got my number associated with the wrong person in another state and she hung up.
Product: Debt collection

Hey my name is XXXX XXXX XXXX XXXX and Im here to report a fraudulent XXXX credit account that was opened using my information. 

This account was then maxed out and charged off by the XXXX credit company. 

This account has negatively impacted my ability to obtain good credit. 

I disputed this account with XXXX XXXX XXXX deleted the account so how is it that TransUnion and XXXX still reporting it?! 

This account isnt mine and it was fraudulently opened! Please removed this account from my credit Reports by TransUnion XXXX XXXX 

Thank u
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in sui juris, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXXXXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 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 an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-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. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX
Product: Debt collection

Complaint against : XXXX Address of Foreclosed Property XXXX XXXX XXXX, FL XXXX XXXX Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to XXXX Recently, I applied for a mortgage and was approved. The company in question, XXXX XXXX XXXX ( XXXX ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, JP Morgan Chase, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted XX/XX/XXXX. XXXX has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by Chase. Part of that agreement was that Chase would take a deed in lieu of foreclosure. XXXX refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

purchased XXXX XXXX XXXX financed thru bank of america that was paid off in XXXX of XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Checking or savings account

From : XXXX XXXX XXXX XXXX XXXX ct, XXXX XXXX VA XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Email XXXX Subject : official request of investigation Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a follow-up to my previous letter dated XX/XX/2023, in which I requested assistance with investigating fraudulent XXXX  transactions totaling {$11000.00} that were sent from my XXXX XXXX XXXX account . 
I recently received a response from XXXX XXXX  XXXX declining to honor my claim or provide any substantial assistance. According to their letter, they stated that my claim was not received within the required one year time period from the date of the unauthorized transactions. However, their terms and conditions do not stipulate any such time restriction for investigating claims of fraud. 
As the regulatory body overseeing XXXX XXXX XXXXXXXX 's operations, I urge the XXXX XXXX XXXX to look into how they handled my case. It seems unethical for a major financial institution to dismiss a victim of fraud simply because arbitrary time limits have passed, especially when no such limits are disclosed in their own policies. 
I have provided all necessary evidence and information to XXXX XXXX XXXX, yet they declined to conduct a thorough investigation or trace the flow of stolen funds. As a U.S. citizen and customer of XXXX XXXX XXXXXXXX for over 15 years, I believe I have the right to expect legitimate assistance when large sums of money have been stolen from my account through fraudulent means. 
XXXX  XXXX XXXX has a duty to ensure that financial institutions under its purview are operating ethically and treating customers fairly. I hope that you will look into XXXX XXXX XXXX 's handling of my case and take appropriate action to compel them to properly investigate the fraudulent Zelle transactions. Victory against fraud requires diligence and perseverance on the part of regulators just as much as financial institutions and their customers. 
Please advise me on any further steps I can take or information I can provide to facilitate your investigation into this matter. I look forward to your prompt response. 
Sincerely, XXXX