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

On Friday, XX/XX/XXXX, I received XXXX phone calls from an entity identifying themselves as Experian. Had a clear foreign accent and language pattern such as saying they represented the " highest authority '' ( all calls received between XXXX and XXXX XXXX mountain time ) I was told someone in CA had tried to open a new XXXX credit card using my social security number. I was also told that someone had made a XXXX dollar charge for a membership to XXXX. The person correctly read off my birthdate, social security number and outstanding credit card balance and wanted me to confirm. I refused to confirm any information and said if it was a legitimate issue I would make a call when I was home to Experian. I checked my Experian account, the XXXX XXXX XXXX and found no confirming information. I did call Experian ( you can not talk to a human there ) and submitted a request for a 1 year fraud alert. 
The phone numbers making the calls to me were XXXX XXXX XXXX
Product: Mortgage

We sold our home and paid off our mortgage with BSI Financial effective XX/XX/XXXX. We learned on XX/XX/XXXX that we had an overage in our escrow account of approximately {$1700.00} that was due to us. Despite updating BSI with our new address immediately, we did not receive a check for the overage via mail. We called to verify and were told that the check was sent to our old address. Since our mail had been forwarded to our new address, we assumed we would receive the check. We did not. 

I called at the end of XX/XX/XXXX and was told that if I had not received the check within 30 days of it being issued, they could cancel and resend the check. I did not receive it, so called again on XX/XX/XXXX. They canceled Check # 1 and resent it directly to our new address, which I verified on the phone with the agent.

I still did not receive the check after about 2 weeks, so I called again. I was told that it was sent on XX/XX/XXXX, but that I could not request a new check for 30 days. The agent was extremely rude and was unable to tell me why I wouldn't have received Check # 2. 

I called back on XX/XX/XXXX as I still had not received the check. They canceled it and resent Check # 3. 

On XX/XX/XXXX, I called again. I was again told that I could request a new check after 30 days, but the agent was unable to explain why I had not received the check and did not seem concerned with getting my rightful refund to me. There is no logical reason that if a check had been mailed to my address ( which I verified ) TWICE, I did not receive it over the course of 60 days. I asked to speak to a supervisor and was told none were available. I asked to have a new check resent via certified mail so that I could track it. I was told that they would input my request and call me with an update within 48 hours. 

On XX/XX/XXXX, I called again as I had not received the update. I was told that a Check # 4 was re-sent on XXXX when I originally called, and not via certified mail as I had inquired about. 

On XX/XX/XXXX ( the date of this complaint ), I called again and I was told that no supervisors were available and that I could " get in line '' for a call from a supervisor on 10/18.
Product: Credit reporting

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through XXXX with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number # XXXX : -- -- -- -- -- -- -- EXPERIAN -- -- -- -- -- -- -- 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00}
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the late status on my account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to XXXX for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from First Progress I  resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, First Progress Bank verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my First Progress Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my First Progress Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called First Progress to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from First Progress admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have Medi-Cal have always had Medi-Cal ( Government Insurance ) and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 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 system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about there safety
Product: Debt collection

XXXX XXXX from Kinum Incorporated has been repeatedly calling me at work and announcing herself to reception and then to my boss as debt collector in an attempt to shame me. I called her back today and told her I would be able to pay the debt in two weeks but not today and she was abusive and hostile ending the call by screaming " sure you will lady! '' and then hanging up. My husband called back to speak to XXXX XXXX but she refused to speak to him to resolve the situation. I am humiliated and will not tolerate this harrasment. Please help me resolve this issue.
Product: Checking or savings account

On XX/XX/XXXX I was sent an offer for a bonus of {$150.00} for setting up direct deposit with Credit Karmas Spend account which is a checking account powered by credit karma. In the promotion it stated that I would be paid the bonus no later than XX/XX/XXXX if I met qualifications. Once XX/XX/XXXX came I contacted credit karma support and was informed I that I was placed on the list for payout on XX/XX/XXXX an entire week after the promised date in the promotion. I was then told I would receive the bonus is 7-14 days. It is not the XXXX and not only have I not received my promised bonus, credit karma has not responded to me emails in over 72 hours.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. I have previously reported this information and the consumer agencies stated they verified the information but did not provide me with any further information on how they completed their investigation. It is my belief they did not complete an investigation but just stated they did. This has caused me to file for arbitration seeking damages. The account listed as XXXX XXXX Account # XXXX has several late payments that is not correct. 

Transunion XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XX/XX/year> XX/XX/year> These late payments are not matching so it can not be accurate so tell me how did you complete the investigation when you can not even report the same information for the account. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

Credit Collection Services ( CCS ) sent a collection letter regarding a bogus debt of {$1700.00} owed to XXXX XXXX Co. 

I sent a letter to CCS with a copy of the XXXX XXXX confirmation letter of cancellation,
Product: Credit reporting

I have a bankruptcy on my Equifax report that should be deleted do to the age of the file
Product: Credit card

I made an online purchase with a merchant and I did not receive what I ordered. I tried resolving with the merchant ; with no success. Then I disputed the charge with my credit card company to pay the merchant and credit back my card. My credit card company would not submit my request because I did not have computer screen shots of the online order.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive XXXX XXXX account with XXXX XXXX XXXX has been deleted from my TransUnion credit report. This account is accurately reporting to XXXX, XXXX. 

After contacting XXXX XXXX XXXX customer service, ( XX/XX/year> they informed that they reported to all three credit bureaus XXXX, XXXX, Transunion every month. However, Tranunion has failed to accurately reflect this information that they deleted from my credit report. 

Furthermore, TransUnion has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Transunion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it, this account needs to be put back on my credit report. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- - XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Debt collection

XXXX XXXX ( I believe ) has been calling my cell phone, ( XXXX ) XXXX for the past 2+ years for a XXXX XXXX . I don't know who this person is, repeatedly told the company this, and asked them to take me off their calling list, and I still get a phone call every few months. I've had this XXXX number for over 10 years and now live in XXXX. Because of this, they have woken me up at least once at near XXXX. 

I don't have a full list of incidents, but have a few voicemails from them for the few times I didn't answer my phone. They've called me at least 20 times within the past couple years. Here are the dates/times I was called, the phone number that called, and a brief description. All of these voicemails reference XXXX XXXX. 

XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Only asked for XXXX XXXX. XXXX call, no callback number. 
XX/XX/2017, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - Was asked to call XXXX. 
XX/XX/XXXX, XXXX XXXX : ( XXXX ) XXXX - This is the call I picked up today, with the person asking for XXXX XXXX once again. I just hung up as I've already asked them numerous times to stop calling me.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX  11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX