23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, During my time of XXXX I was a victim of different credit card accounts opened up on my name. Im not familiar with any of the addresses or phone numbers linked to my information which makes it hard to confirm my identity on any sight involving credit
Product: Student loan

Discover Student Loans auto dialer calls four times a day five days a week. No messages are left, these calls are made before 30 days have passed since bill due date. Even being instructed to reduce the call rate they say they ca n't.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion with the CFPB regarding their failure to adequately respond to my dispute regarding inaccuracies on my credit report. On XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. I took care to include supporting documents, such as my photo ID, social security card, and recent bill, to verify my identity and address. 

However, the response I received from TransUnion dated XXXX stated that they could not process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation, as required by the FCRA, into the completeness and accuracy of the disputed information.
Product: Credit card

As of XX/XX/2024, Synchrony Bank is starting to charge {$1.00} per month as " XXXX XXXX XXXX, '' which is pure greed and unjust enrichment. I am being extorted into accepting the change in terms and the {$1.00} " Paper Statement Fee or losing access and the use of my XXXX XXXX Account as I will be forced into closing my account if I don't accept the change in terms. be forced to close my account if I reject the fee. I believe this to be illegal as it's classified as a " junk fee. ''
Product: Checking or savings account

I deposited XXXX XXXX CHECKS ON XX/XX/year>, XXXX for {$XXXX} and the other for {$XXXX} into my chase account. My account was immediately restricted and I was told my money was on hold until they verify the checks. My payroll funds were sent to the account as well. The checks have still yet to be verified im still being told the same thing plus they close my account. I went to a cash checking place and they told me that these funds were already verified and paid on XX/XX/year> so they wouldnt be able to cash them. I havent received anything. No updates or any money. I also went to chase in the branch and the XXXX told me the checks were not on hold, everyone is telling something different every day. I call they say they can not tell me anything but I will not get my money until the checks are verified and they keep saying its hard to get in contact with the dept of treasury and its nothing they can do. I really need my funds XXXX going through a tough hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a home refinance loan this summer because of a negative item on my credit report from BB & T. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of BB & T. Until that point, we had never even heard of BB & T. 

I have tried calling BB & T multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with XXXX XXXX, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by XXXX XXXX also. This was before talking to BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

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 and XXXX XXXX  XXXX / XXXX
Product: Debt collection

On XX/XX/XXXX I contacted Enhanced Recovery Company ( ERC ) in regards to an account listed on my credit reports. I requested validation for this account in which they responded with the attached documents. The document was a bill for which I have no knowledge of that was dated for XX/XX/XXXX. As you know, the statute of limitations in the state of South Carolina is 3 years and the debt can remain on the consumer 's report up to 7 years. It has now been almost 11 years and this debt is still showing up on my account with a balance of {$38.00}. I request that this collection account be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name XXXX # XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST.
Product: Credit reporting or other personal consumer reports

i have not given anyone written permission to report any of my private information on my credit reports. this is a violation of my privacy rights.first carmax auto finance has never had permission to do so. The negative reporting of late payments needs to be removed. This is an infraction of my rights according to the consumer protection rights
Product: Credit reporting or other personal consumer reports

Subject : Request for Continued Review of Disputed Accounts Due to Identity Theft Dear Equifax Dispute Resolution Team, I am writing to reaffirm my dispute regarding the inaccurate and fraudulent accounts on my credit report, which were the result of identity theft following the Equifax data breach in 2017. As a victim of this breach, my personal information was compromised, and I have since suffered financial and credit-related harm due to unauthorized use of my identity. 

I have previously submitted disputes on these accounts and provided supporting documentation, including : A Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my government-issued ID and proof of address. 

The disputed accounts remain unresolved and continue to negatively impact my credit report. To assist with the resolution, I am again providing a list of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given that these accounts are the result of fraudulent activity stemming from the data breach, I respectfully request a thorough review of my case and removal of these items from my credit report. 

Please confirm receipt of this letter and provide an update on the status of my disputes. I can be reached at XXXX should you require any additional information to facilitate the resolution process. 

Thank you for your continued attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian XX/XX/18 to ask why Experian was violating FCRA guidelines by displaying inaccuracies in my credit file. A supervisor at Experian " lied '' and said that XXXX answered the dispute on XX/XX/18 the same day the dispute was initiated. I asked again " When did XXXX respond to you and say the closed accounts were open ''? And Experian said XX/XX/18. Experian blatantly lied to me and said that XXXX sent an updated response when in reality that was a lie. Experian should be investigated because they got criminals on the phones lying about everything. XXXX is also criminal because they're paying Experian to lie about inaccuracies.
Product: Credit card or prepaid card

On XX/XX/2022 charge {$1900.00} i went to XXXX  with XXXX XXXX we were going to rent an office together. The guy said only can rent. I begged for an exception and tried signing on an office lease. Then i paid {$1900.00} which was deposit and part of XXXX because XXXX wanted to work a few days in XXXX. The lady gave us keys. Then she read rules and somehow she said XXXX was the only lease holder. I said i thought i was on lease. She said no. I was tricked so the salesman at met could make a commission. I emailed the guy a lot even asked for a calif 3 day cooling off law to get a fund or get a smaller office by myself with the money. He only catered to XXXX XXXX. I filed fraud at chase. The investigator from chase told me to do a dispute. I called dispute and told them what happened twice and they said theyd take my case but i had to call back because of work. I called chase and a mean lady answered and said shed never let me file a dispute there. She said she will make sure of it. So i was unable to dispute and recover my funds.
Product: Money transfer, virtual currency, or money service

I'M 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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the XXXX XXXX, leaving users vulnerable to scams.
Product: Checking or savings account

My account wasnt accessible, and consequently my rent check bounced, causing me to be evicted with new child and tons of emotional trauma from the event.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX : XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Our original mortgage was sold to Lakeview Loan Servicing , LLC ~XX/XX/XXXX. On XX/XX/XXXX Lakeview sent a check from our prepaid escrow account to our local tax collector for {$2500.00}, which was an incorrect amount, and the tax collector sent it back to Lakeview on XX/XX/XXXX and to date Lakeview has failed to pay our XX/XX/XXXX taxes. The first we were made aware of this failure was XX/XX/XXXX when we received a letter from XXXX County Tax bureau informing us our taxes had not been paid. Since that date we have made repeated phone calls to Lakeview with no results. Lakeview has admitted it's their mistake ; they have acknowledged to us they have our XX/XX/XXXX tax money and that they are responsible for all late fees which continue to accrue the XX/XX/XXXX of every month but despite our numerous phone calls, 2-letters from us and 1-from our attorney, they have still not dispersed our money they received last year to correct this problem. We have had customer service reps and supervisors " promise to call us back '' and they have never called us. We feel this company is a fraud, incompetent and essentially they have stolen our escrow tax money. XXXX county has also advised if Lakeview does not pay our XX/XX/XXXX taxes, our property will be added to the tax sale list. Please help us and stop this incompetent company!
Product: Mortgage

Want to file a CFPB complaint against WellsFargo for misrepresenting my mortgage account and mortgage escrow account for forcing me to maintain a escrow account dating back to XX/XX/XXXX when they bought my mortgage from XXXX XXXX XXXX around XXXX of XXXX and I received a letter from XXXX XXXX XXXXXXXX XXXX rating me XXXX percent XXXX making my mortgage tax exempt for property taxes then I reached out to WellsFargo around XXXX of XXXX and asked can the escrow account could be removed if I paid the homeowners insurance up front and I was also property tax exempt from XXXX XXXX XXXXXXXX XXXX, but at the time WellsFargo had me in system as paying property taxes when I was supposed to be taxed exempt and I would like WellsFargo to be audit all the way back to XX/XX/XXXX for my escrow account refund of misrepresenting my mortgage and escrow account!
Product: Credit reporting or other personal consumer reports

I have asked these companys to investigate items on my report way before I came to you for help. I feel that XXXX, transunion, and XXXX  are dragging there feet on a resolution to the issues I raised concern about. As a citizen by birth in this country, why is it okay for my identity to be stolen by others and the same companies my tax dollars subsidize cant seem to get to work on my behalf? I deserve a fair share are good credit and these issues have continued to tarnish my name have held me back from obtain a loan, or a credit card that I actually apply for. Transunion, and XXXX, have not even updated my credit report sense XXXX XXXX. Why is that? all lenders are seeing these accounts that are not mine or and accounts that have been settled or removed by another reporting companys are still on there report. There are so many inquiries on these two ( XXXX, and Transunion ) that I would be here half a day trying to figure out who they are!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Portfolio Recovery Associates LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Portfolio Recovery Associates LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Portfolio Recovery Associates LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Product: Debt collection

In XXXX of XXXX, I received phones calls from PDM claiming I owe a debt of {$27.00} to XXXX XXXX XXXX in XXXX, AZ. I stated that I was willing and able to pay the debt immediately, but needed written verification of the debt from their agency to verify the debt and where I can send payment to. The debtor, XXXX XXXX sent me an email that was blank, but had attached the file from the apartment complex- not a Letter of Validation from the debtor like I had asked for. When I replied to the email twice, I received no response. A few weeks later, they called back. Since then, I have gone back and forth with them stating I AM WILLING AND ABLE TO PAY immediately upon receipt of a Letter of Validation. I have verified my address with them and they have my correct mailing address and I have still not received a letter. I called the apartment complex, XXXX to ask if there was a way around this and they said they would call PDM to ask them on my behalf to send a letter. When XXXX called me back, they said that PDM has sent me multiple letters that have all been returned therefore I need to make my debt right and pay it over the phone immediately ( this is a lie ). I explained to her that I have rights and I am able to pay, but need a letter of proof of the debt. She continued with a condescending and angry tone telling me to pay the little amount that I owe otherwise they wo n't take my debt off my credit report. The fact that this debt was reported to a debt collector is a separate issue, but I also never received communication from them about a debt in the first place. I lived in said apartment complex in XXXX and am just now hearing of this debt in XXXX. 

I called PDM last Monday, XXXX/XXXX/XXXX and the lady verified my address and said they would send a letter out immediately. It 's now XXXX/XXXX/XXXX and I have yet to receive a letter.This is a roundabout of communication that has gone on since XXXX. 

I have read reviews online about this company and several people are having the same issue. Some have issues with paying their debt and not receiving proof or a receipt and the debt is not taken off their credit report. They beg PDM to fix it, and they continue with harassment. This makes me hesitant to forward payment. 

I feel that I have exhausted my efforts in trying to correct the debt that I owe, but am nervous to send payment. What if I do n't receive proof of my payment? Will they take my debt off my credit report? The amount I owe is also of concern- XXXX says {$30.00} and PDM changes the amount between $ XXXX {$30.00}. 

The tactics PDM uses is harrassment. I have had someone yell over me when I 've remained calm and explained that I am willing to pay upon receipt of a letter. They hang up on you, and when you call back they hang up on you again. 

I just want to pay my debt and have it taken off my record and my credit report. But I need a Letter of Validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXX to XXXX, XXXX, and Equifax. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.