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

To Who m It May Concern, I have an account with Nelnet Student Loans ( Federal ) I recently had an informative phone conversation with a representative of Nelnet and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would   contacted via email as well. However, this notice did not arrive until  XXXX    XXXX  , over 60 days after I had a payment due. As a result, the late payment was reported to   my credit score.
On top of that, my email and phone number were not updated with Nelnet Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).
Product: Credit card or prepaid card

Current status : Resolved - claim not paid Help for Resolved - claim not paid layer Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX Message date : XX/XX/XXXX Subject : We received your claim and it is currently being researched. 
That is the response I got from my credit card bank of America. I purchased a bag from XXXX and it was advertise as Authentic and with all the supporting documents included, I believe the seller but the bag was broken so took it to XXXX to get it fix and behold they told me with letter that the bag was counterfeit. I called XXXX and there is nothing they can do because the 30 days money back warranty is over. I called XXXX and they told me that I have to call my credit card company which I did and they asked me for supporting evidence which I submitted the letter from XXXX. I did n't hear anything from them until over a month. Then I called XXXX, to what my credit card decision and they told me that I missed the window of time frame which is 180 days and that was XX/XX/XXXX. But when I first called them nobody told me. I called my credit card company again and told them that I believed they did not investigate in my behalf, because if they did, in fact investigate and called XXXX, I would 've been covered. They pin point me from one XXXX, to credit card and XXXX, when I called them they told me to reverse the call back to credit card
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  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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed. 
Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected.
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. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  ) Has violated my rights! 
XXXX XXXX  XXXX ( XXXX ) has violated my rights! 
XXXX XXXX # XXXX ( Transunion, XXXX ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( XXXX, Transunion ) has Violated My rights! 
XXXX XXXX XXXX XXXX XXXX  has violated my rights! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Product: Debt collection

I have asked this company to stop calling me multiple times. They then reached out to my employer. They asked for me, told my employers executive assistant what this was about ( debt collection ) and left their name/company name/and phone number. They have done this multiple times and it is embarrassing/not ok. 

Company who keeps calling is : PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC
Product: Credit reporting, credit repair services, or other personal consumer reports

This has already been paid off they took it out of a CD I had and paid my credit card with it so I don't owe any balance for his and the USAA rep told me to dispute it so it can get taken off. 



Alert Date XX/XX/2017 Source XXXX Company USAA SAVINGS BANK Payment Status Over or At Credit Limit Status Date XX/XX/2017 Balance {$280.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, TX XXXX Not sure what this is? Contact XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to Synovus Bank and First Progress. Thanks!
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I contacted Capital One Credit Card because my card was assessed a fee of {$39.00}. I was informed the fee was for the annual membership in which I denoted I did n't want to pay someone to spend my money. I was transferred to a Supervisor and she supposedly upgraded me to a new card. I initially had the XXXX XXXX card but inquired about a card that would give me mileage and rewards. The Supervisor did n't know of all the rewards with the mileage card but stated I would not have a fee. In addition, she gave me a promotion to reduce my interest. On XXXX XXXX 2017 I contacted Capital 1 and spoke to representative XXXX regarding receiving multiple credit cards one card was a Venture Rewards card and the other card was a XXXX XXXX. I advised the agent that I 'm suppose to have a Venture Rewards card that is accumulating miles and cash rewards. I told her I was upset that all the cards were being mailed given I was the victim of identity theft. On XXXX XXXX 2017 I spoke with representative XXXX XXXX to have the call reviewed because I received another credit card in the mail. Also, she denoted I have a XXXX card but I pointed out the card I have is a Venture card in my wallet. She gave me a {$25.00} credit for the inconvenience and advised it takes 24-48 hours to review the call. On XXXX XXXX 2017 I contacted Capital 1 to see why I had not heard from anyone. I spoke to XXXX who stated they reviewed my call and I agreed to keep the XXXX. I asked if the person reviewing the call to hear that the representative did n't know of all the options for the card but I wanted the Venture Rewards card with no fee, mileage accrual, and cash back. I also asked when they contacted me because it was not on my cell phone at XXXX. If so, to provide a date so I could check my call register. XXXX advised me that although my account has Venture Rewards, I possess a XXXX, my benefits are those of a XXXX XXXX. I denoted that was misleading to me as a consumer. In addition to, my credit on my account was switched over to miles then to a check. Would he could check with IT to confirm? I find myself outraged that I 'm forced to have something that I do n't want. Needless to say, he alleges that the XXXX was for the confusion. I attempted to correct him by stating the XXXX was for the fact that Capital 1 sent me 3-4 cards in the mail knowing I was previously a victim of identity theft and having to  continuously call into their company.
Product: Credit reporting or other personal consumer reports

Experian has unlawfully failed to conduct a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). I submitted disputes for the following accounts : Account XXXX : XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have reason to believe that these accounts are either incorrect, fraudulent, or improperly reported, and I have provided sufficient supporting documentation to substantiate my claims. However, despite the FCRA 's mandate for credit bureaus to conduct a reasonable and complete investigation. Experian has not corrected or removed this account. The re-inserted the account back on my credit. 

XXXX Experian did not investigate the account they " Updated the account '' Attach is my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
JC Penney card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
Product: Credit card or prepaid card

In XX/XX/2017 I overpaid my credit card by {$400.00}, resulting in a - {$400.00} balance. 

I have called and requested for a refund to be mailed to me each month and have yet to be receive the refund. 

Each month I call, they confirm my address, stop payment on previous check, and claim again they are mailing a new refund check, but it never arrives. 5 months in a row now. 

I have escalated this to them internally asking for a refund and they have claimed they can not do anything different except to try to mail another check again. This seems really wrong as I have been waiting almost 6 months to get my money refunded.
Product: Credit reporting or other personal consumer reports

This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ).

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.
Product: Mortgage

My home suffered flood damage in XX/XX/2017. Select Portfolio Servicing Inc. ( SPS ) has held {$16000.00} in insurance proceeds for as long as they have been servicing this mortgage. This in spite of proving and presenting SPS with {$63000.00} in receipts for out of pocket expenses, contractors and so on. This detailed information is sixty plus pages long and has been sent to SPS via attorney. At times SPS even denied to myself and my attorney they are holding any insurance funds. I had to hire this attorney to help me obtain the improperly held insurance proceeds. He has had no luck in dealing with SPS either. In fact he has found that the attorney for SPS can't get results either. 

If needed the following information is available : attorney contact for myself attorney contact for mortgage company I have sixty plus pages of documentation for out of pocket cost for repairs My attorney has much more specific information documenting the attempts to deal with SPS, there is LOTS of documentation. 

All I want is my insurance proceeds and attorney fees
Product: Debt collection

on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting the XXXX partial account number ****XXXX on two separate line items. ( Please see pages attached from my credit report. ) This account is also reporting an incorrect balance on each line item. This reporting of duplicate accounts with an incorrect balance is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the CFPB against Midland Credit Management ( MCM ) for failing to properly validate two debts ( {$1100.00} and {$780.00} ). After sending four debt validation letters, MCM only responded with a generic bill that lacked the required documentation to confirm the debts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : 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

Dear Consumer Financial Protection Bureau, I am writing to dispute a late payment that appears on my credit report. The late payment in question is related to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Upon reviewing my credit report, I noticed that there are inaccuracies regarding this late payment. I would like to request that you investigate the matter and remove the late payment from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am exercising that right with this letter. 

I request that you remove the late payment from my credit report within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been working through a certified HUD Counselor with the lender MR COOPER/Nationstar mortgage llc , the HUD counselor was able to work out or what I thought was work through my issues with my delinquent mortgage. per the email exchange and phone conversation. Mr cooper employeXXXX XXXX XXXX and XXXX XXXX, who advised me that I can send over payments to bring my balance down, they also said they would allow a 3rd party government agency to help pay my balance down, they agreed to place money in a suspend account and not return the funds so that the California home mortgage grant program can pay off the remaining which would be {$80000.00}. we were asked to send the payments to the attention of XXXX XXXX. I have complied with all of their directives, the lender sent back the payments and posted letters in my portal stating it wasnt enough monies to bring account current, but the agreement was they would hold the payments in suspend to allow the government program to pay the XXXX. To satisfy the past due. I was then told to wire the money the wire was also rejected. I am trying to save my home this is why I worked with the hud counselor, why was there an agreement in place and the lender violated the agreement they made with HUD,
Product: Credit card or prepaid card

I made a purchase all the way back on XX/XX/XXXX for {$21.00}. I returned this item on XX/XX/XXXX and received a credit for {$21.00} and also a new charge for {$21.00} on the same day. After calling Best Buy directly several times with no resolution, I tried to dispute this 21st charge on XX/XX/XXXX through Citi. They gave me a resolution on XX/XX/XXXX pointing to the credit on the XXXX. I called a few times and was told that this would be taken care of but it never was. 

Finally I got someone who seemed to understand what had happened here and she tried to reopen the original dispute but couldn't. She then opened a dispute for the original charge on XX/XX/XXXX and instructed me to go online and upload my documents showing the transactions and how this was a double charge. This was completed on XX/XX/XXXX and the resolution came back pointing to the same credit on XX/XX/XXXX. So now I have two disputes both pointing to the same credit as the resolution. 

I tried calling more and escalating it and on XX/XX/XXXX I was again told I could be credited within 3-5 business days. Then the following XXXX I see a new charge on my statement for {$21.00} and all it says is " Misapplied Credit '' and points to XX/XX/XXXX. 

I have called 3 more times since then with no resolution other than spending 30+ minutes on the phone and being told that it will all be taken care of in 3-5 business days.

I will enclose pictures and pdf 's of all these transactions and disputes as well as call logs.
Product: Money transfer, virtual currency, or money service

Zelle account suspended without explanation. Called my bank and was told that Zelle suspended the account. Called Zelle and was told that my bank suspended my account. Then my bank stated that someone sent two fraudulent transactions to my account which suspended my account but couldnt tell me which ones. I am still unable to access my Zelle account.