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

I am writing to you with great concern about the unresolved issue of unverified accounts that continue to mark my credit report. This marks the third written request I have submitted seeking the Method of Verification. Regrettably, your company has not only failed to provide me with the necessary information but has also persistently violated my consumer and civil rights throughout this ordeal. I want to underscore that I have diligently maintained detailed records of all my communications with your organization and am prepared to take the necessary steps to address this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
The presence of these unverified accounts on my credit report remains a significant obstacle to my ability to access credit and financial services. Consequently, I insist that you promptly furnish me with the following information : I demand immediate physical verification or removal of the following unverified accounts, as well as the provision of the Method of Verification.

I demand the following accounts be verified or removed immediately.

. 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS  XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX
Product: Credit reporting

I have been fighting with these people for years, they had me living in a state I have never lived in and reported non payment when I paid off credit cards or loans. Most of this had to do with a construction project that XXXX Bank stole {$150000.00} of my money which I am still trying to recover. Judgements placed because they controlled all the money and lost it. Also illegal services I found on a loan which they would not remove. I also tried to get a loan and had my identity stolen which these people must have tried to use to get more money. I did refuse to pay them and told them I am entitled to my report and their scores are very unbalanced and discriminating. They refused to do anything so I had my score frozen for three months which with their inaccurate reporting made it impossible to get a loan. It if time they stopped the inaccurate reporting and also used XXXX credit card my father had which had a second card in my name I never used. They refused to verify that my signature was on those documents so when he passed I settled for less which hurt me because he was not here. Something must be done with these people and inaccurate reports when it says a soft hit does not affect your score it does. They use everything. Someone needs to come up with some kind of system. There were also credit cards that I myself did not close but did not use so they showed also which should not be reported because I did not use them I guess they close them in a certain amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX and TransUnion to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.
Product: Credit reporting

After noticing fraudulent accounts and inquires on my credit reports, I filed an id theft report with the FTC after which I proceeded to call the companies individually and in some cases received help through this very site which I am EXTREMELY GRATEFUL for.Then, I called TRANSUNION and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the fraudulent items immediately since they are ruining my credit.I also called and faxed supporting documents after which they informed me that they will remove all of the fraudulent items within 24hrs.That was almost a week ago!! These credit bureaus need to be regulated more closely in my opinion because all they seem to do is make things harder for the victims and easier for the perpetrators!! I contacted all XXXX credit bureaus in the same day and so far ONLY XXXX corrected the issues, TRANSUNION and XXXX seem to be helping the defrauders more than the victims.I would like someone to EXPLAIN TO ME why is it that when a fraudulent inquiry is applied to my CR 's immediately and it takes 30 + days to remove even though a fraud allert is posted on all XXXX Credit bureaus? if it 's posted instantly it should be removed instantly.While US, the victims are required to spend countless hours and provide countless proof, and to add insult to injury still have to wait a month+, for all these lazy credit bureaus to finish their so called " investigation '' the crooks are free to keep on going with their fraud virtually undetected!!!
Product: Student loan

I am currently with mohela I signed up for student forgiveness Ive received emails back to back about my loan the cost etc however each time it changes they are maddening my account at this point. I need assistance asap
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. And I honestly got infected by Covid-19 and I lost my job for this reason and I do not have any source of income, I am behind my rent and some bills and the only source of money is to use my money in my PayPal account. 
My email linked to my PayPal is XXXX. 
Thank you very much and your consideration is greatly appreciated.
Product: Checking or savings account

Huntington suddenly without warning or cause ( in my opinion ) closed my checking and savings accounts with them on XXXX The accounts had a balance of over {$16000.00} in them and I need access to my funds as soon as possible, without delay. The company, Huntington bank, is not providing any information and is not cooperating to expedite the closure process/ the processing of the check for remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX XXXX  through XXXX  on XXXX XXXX XXXX and a XXXX XXXX  case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Product: Mortgage

XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit and gainful employment. It is my understanding that Transunion will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX account # : XXXX XXXX account : XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct XXXX XXXX XXXXXXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) account # XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Money transfer, virtual currency, or money service

Zelle never had warning about sending money to the wrong party to recently
Product: Debt collection

My student loan has been dischargXXXX due to the Borrower Defense law set in place by President Biden. And Today I received a refund of money which is great, however, The Department of education still didnt pay me my full reimbursement back. The total they owe me is {$14000.00} dollars and cents. And Im looking forward to a full pay out immediately.

If refused, COAST Professional , Inc. as well as the U.S. Department of Education will be in violation of 15 USC section 1611- criminal liability for willful knowing of violations. ( Faults and misleading denial of my own credit ). 18 USC Section 1001- falsified information. 18 USC Section 241- conspiracy against rights.

12 CFR section 226.13- Billing error resolution.27 15 USC Section 1692j- false and deceptive forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. New Rez reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did New Rez. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting New Rez as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to New Rez, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that New Rez had received the payoff on the XXXX, before the 30 day late marker.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$440.00} XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$2400.00} XXXX XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account balance : {$720.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I have a letter dated XX/XX/2022 that was received XX/XX/2022. There is a reference number on the letter. It is for something I never had and have never received communication about. 

The companies webpage has little information on it except for collecting the debt that is not mine. I have mailed back the slip of paper that didn't fit in the envelope indicating that the bill is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief and recently discovered that fraudulent accounts were opened in my name without my authorization. i have already reported this issue and need immediate assistance ensuring these accounts were removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies on my credit report under 15 U.S. Code 1681o, which mandates the accuracy of the information reported by credit reporting agencies. I have identified multiple items on my credit report that are incorrect and are negatively impacting my credit score. Despite my prior attempts to resolve these matters directly, they remain unresolved. I request an immediate investigation and the removal of these incorrect items. 

The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reviewed these entries carefully and believe them to be inaccurate and incomplete. Specifically, the information regarding the account type, open dates, and account numbers are incorrect, and they do not reflect my actual credit history. I respectfully request that these items be promptly removed from my credit report as they are causing harm to my financial reputation.
Product: Student loan

i did a debt settlement to resovle my debt it got reduced and i paid up the amount they agreed to they where suppose to take the derogatory mark off my credit off my report and my husband XXXX XXXX report that was 4 or 5 years ago its still not off its dragging our credit down i have submitted complaints it never gets removed
Product: Checking or savings account

I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now. 
1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''. 
2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that. 
3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted time.
Product: Debt collection

This company informed me that they do not have this debt for {$400.00}, and they have asked the credit reporting agency to remove the information as it was not mines to begin with, However its still reporting ; I need CBE GROUP to submit another notification to the credit bureaus to remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, Experian is reporting late payments on an account that was closed XX/XX/XXXX. I called XXXX and they claimed that they reported as a charged off account and wsa closed. However, Experian are reporting late payments which from my understanding is illegal. If an account is closed and there was no payment plan set-up with the company to settle the debt yet, or sold to an agency to collect the debt, then there should not be a credit reporting as late payment. There was a similar problem in the past before with the same account as and we're removed.
Product: Payday loan, title loan, or personal loan

I called Wells Fargo today ( XX/XX/22 ) regarding my personal loan. The agent said Wells Fargo canceled my AutoPay and should have sent me a form to resubmit my ACH AutoPay from my checking account. I never canceled AutoPay. I do not authorize Well Fargo to cancel my AutoPay. I then asked to speak with a manager. I then spoke to XXXX in Virginia. She indicated she is the only XXXX in XXXX. While informing her I did not authorize anyone to cancel my AutoPay ( Bill Pay ), she interrupted me and said I was yelling. I have a right to express my anger and disappointment with Wells Fargo. I never requested cancelation of my AutoPay. Moreover, I was never informed AutoPay was canceled. As a result, I could have had a 30-day late payment on my credit report for 7-years due to no fault of my own. This would cause me signification financial injury. I did my due diligence to set up AutoPay correctly. If WF did cancel my AutoPay without my knowledge or consent, then this is a violation of the Unfair, deceptive, or abusive acts and practices ( UDAAPs ) and other consumer laws.
Product: Debt collection

On XX/XX/year>XXXX  IQ Data International called to demand {$2800.00} for terminating a lease agreement with The XXXX at XXXX. I tried to explain this was a mistake and had already been resolved with the apartment complex. The agents refused to listen and began demanding payment and if I refused they would report the collection to credit bureaus. I asked if I could provide documentation showing the matter was resolved and they ignored my request and continued to demand payment. They would not allow me to end the call because they said I had to make payment before ending the call or else Id be reported to the credit bureaus. I tried asking for more information but they demanded that I provide a card to process payment. I eventually hung up and the company called my husband and began demanding payment. They continued to refuse to provide details about the debt supposedly owed or provide dates for which they were saying we owed rent. My husband asked if he could send in documents from the court showing there was no debt and also a letter from the property manager but the agents refused to provide an email or mailing address. We asked for a supervisor and we were transferred but he also demanded payment without providing any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : TransUnion, XXXX, and XXXX. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future.

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter