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

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.
Product: Debt collection

I have contacted mountain peak law group, the debt collection lawyer that was collecting on this account, multiple times over the last couple of years regarding this matter. They garnished my wages unfairly without providing me the opportunity for defense in court. I have never received any communication on this debt, or that it was going to be a litigation in court. They garnished my wages through the US Forest Service, a federal government entity, upon total payments being paid, one main placed an account on my credit stating 75 missed payments and still owing XXXX dollars. I requested a payment history from my employer showing the account was paid off, submitted that XXXX XXXX XXXX XXXX, and one main still did not remove the account from my credit. They are constantly using illegal tactics to bully consumers.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was not feasible. The CFPBs findings suggest that Zelle has failed to adequately protect consumers, enabling repeat offenders to exploit the platform and leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my XXXX  and Equifax bureaus but it has not yet been deleted.
Product: Vehicle loan or lease

Hello, hoping to resolve this matter the account XXXX XXXX XXXX  I notice some errors reporting and I am unsure of its proper reporting. I was never informed about these issues Kindly fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently settled accounts personal line of credit XXXX XXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Navient student loans that are private but showing up as federal debits on a XXXX system used by the bank to approve an FHA mortgage. Now I can not get a home loan because of these 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, XXXX consistency responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the 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. XXXX ) 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. Here is the following accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have never receive any form of communication or notice of debt from this debt collector. I only realize after pulling a full credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 CARMAX XXXX XXXX  XX/XX/2022
Product: Debt collection

There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.
Product: Mortgage

During last 45 days, almost two CFPB cases against Mr. Cooper : XXXX XXXX What I am looking for : 1. Show me online amortization schedule once i login to my online account at Mr. Cooper. 
2. Close my escrow account and send all the money back to my bank account without incurring any fees to me. 

Till now Mr. Cooper is not able to explain why they are collecting different amount every time for my escrow. any way i don't want them to have my escrow account. 

It's really long wait time to reach out to Mr. Cooper Customer service due to lack of staff and limited work timing of theirs. 
Worst thing, even if you reach out to them then also nothing is moving.
Product: Credit card or prepaid card

On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help
Product: Credit card

On XXXX of XX/XX/XXXX I paid {$XXXX} on my credit card to pay the late payment on my card the payment was processed and the money was taken out of my bank account, I had got a conformation number from the company when I made the payment from them that verified the payment.After this I thought the account was closed and over that's what I was told. After looking at my credit report in XXXX I see this card is still reporting that I still have a late payment of XXXX the account Is closed but still say I owe so I log on to the account online and to my surprise it says I still owe {$XXXX}. As I go through the account transactions I see where they did recieve the payment on XX/XX/XXXX but on XX/XX/XXXX they have a not in the transactions the the payment of XXXX was recieved but they supposedly returned it on XX/XX/XXXX whitch they did not
Product: Bank account or service

A financial institution which requires military affiliation to join was notified of fraudulent misrepresentation regarding a member who has never had a military affiliation and became a member by opening an account while living in another state due to the state presently living in affords no opportunity for the person to obtain any type of checking account. It is apparent that this financial institution does not properly conduct its due diligence for verification purposes to allow a person who has already been convicted of illegal account activity by kiting over several years time. 
The securities department was contacted after numerous discussions with law enforcement, district attorneys and investigators and following their advice contacted victims of fraud which include this financial institution. Realizing this is the internet era where much is done online absent walking into a financial institution and giving the drivers license to a banker to open an account only to find out dozens of banks had reported NSF, Kiting, overdrafts, etc. Treated badly by a securities young lady at this financial institution who had no care whatsover that fraud exists. 
As a military dependent most of my early years and later on as a military dependent of a spouse, I find the conduct by this institution 's security/fraud division so egregious that it shocks the conscience.
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, 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 supposed to modify accounts that aren't reporting correctly. 

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

Equifax said that I do not have a credit profile with them but in fact I do have a credit profile because I pulled my reports, and I have a score as well as accounts on Equifax report. So, I'm attaching My DL my social security card and the copy of the credit report that I pulled and if I don't have a credit profile, they should delete everything that is reporting on that credit profile they sent a letter stating that I don't have.
Product: Mortgage

I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in XXXX XXXX and EquiFax both and I do not remember I have authorized any one of them doing it,
Product: Vehicle loan or lease

On XX/XX/2016, I purchased a vehicle from XXXX XXXX in XXXX, Maryland. At the time, I went to purchase the vehicle I was ordered to sign a stack of papers, included in the papers was a warranty for the vehicle. Although, I found it strange that I was asked to sign documents for a warranty considering the car was brand new. I asked for copies of the documents I signed and was told that I would receive them the following day, when I picked up the vehicle. The following day, I received no paperwork. A few days after that I received a certified letter in the mail from the warranty company stating they were refunding the money for the warranty because the warranty was unnecessary. At that point, I begin asking for paperwork regarding my loan. It was only at a later time did I receive the loan paperwork in which stated the car I purchased was a used car. However, the vehicle was not a used car, it was a brand new car. I was the only Owner and it was fresh off of the lot. 
The monies refunded from the warranty company was put on the back of the loan. Although, it was incorporated in the sales price of the vehicle. The paperwork presented to me was for a new vehicle. When I finally received a copy of the paperwork, the paperwork eluded to the car being a used car. The car was not used. The loan is fraudulent. In addition, to that the bank has been utilizing ill business practices. I have tried to contact my lawyers but they have refused to take my case based upon certain factors.
Product: Debt collection

I did not know there was any collection being taken against me until years after the debt when it appeared on my credit report. I do not owe the medical debt they are claiming, as I had health insurance at the time and my visit was covered. I never authorized any additional charges outside the scope of my health insurance. I have contacted company several times and a bill or explanation was never provided to me. I have also received letters from attorneys in regards to a class action lawsuit against this collection agency and original debtor that they have been found guilty for scamming numerous other individuals.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMORGAN does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. JPMORGAN has failed to produce a judgment or the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed. Consequently, JPMORGAN made false claims to credit bureaus. My birth name is XXXX XXXX XXXX and credit was established as such e.g. with XXXX and other consumer credit cards prior to XX/XX/2006. My married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
Product: Consumer Loan

Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay.
Product: Debt collection

I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. 
She said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information?
Product: Debt collection

This debt collection is in an attempt to collect payment for phone service contracts in the amount of {$430.00}. These phones including phone service contracts were transfer from my XXXX account to my mother 's account. The transfer began and I received notification from XXXX on XX/XX/2022. Once the transfer was complete, I received notification from XXXX on XX/XX/XXXX. My mother received her first phone bill from XXXX for all 4 phones transferred shortly after. I paid off my remaining balance and left the the company XX/XX/2022. Note, XXXX will not let you unlock and transfer a phone number if you owe a balance. I transfers all services in ownership of my mother and paid off any remaining balance. I did not owe a balance. I began receiving notification about the balance in XX/XX/2022, and it continued until I began receiving notification for from a collection agency in XXXX. I disputed the debt with both XXXX and The collection agency, Receivables Performance. This balance is for phones still in contract with XXXX and still using their phone services under my mother 's name. In addition to it already being sent to collection, according to the letter, I would pay them a portion of the balance and the rest will remain as a bill with XXXX
Product: Debt collection

I had negotiated a " Pay for Delete '' with this company FRANKLIN COLLECTION SERVICES, and they not only didn't delete the collection from my credit file, but they continue to report the debt monthly even though it was paid inXX/XX/2016.
Product: Credit card or prepaid card

We balance transferred from our XXXX credit card to a XXXX  interest promotional until XX/XX/XXXX. We have paid the transfer fee and the first month recieved an interest payment amount for the transfer. We contacted BofA and talked with XXXX XXXX on XX/XX/XXXX. We transferred almost {$13000.00} to take advantage of the advertisement. XXXX indicated this was probably an internal error in their system and sent in the request change. We would be notified in two days of the change. XX/XX/XXXX we talked with XXXX from XXXX and he indicated the request was sent in and on XX/XX/XXXX they deemed the request not valid because they indicate no ad was present at that time. They then asked with we wanted to move our money to another credit card to get benefit of promotional offer. We indicated we would not and would be looking to remove our money from that account. From BofA, they acknowledged we had been customers for 25 years.
Product: Credit reporting or other personal consumer reports

I filed a dispute on ( Dept of EducationXXXX , due to other reasons Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances XXXX getting { house, car, etc }. Experian violate selected in your original dispute }. Experian denied to follow up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as feder? ' laws.

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Product: Credit card

This is about a travel cancellation claim made through eclaimsline which is the travel insurance provider that Chase Bank outsources claims processing to for their credit card travel insurance benefits. 

XXXX has had all the required/requested documentation for over a month, the claim has been active for close to 4 months and I have called 6 times, each time I have requested to be followed up with by phone and I have not been contacted a single time despite having given them my direct number and confirmed that it has been noted in my file that I want to be contacted. 

Each time there was additional documentation needed, I have not been notified in any way and only found out when I called in about why the claim still has not paid out. 

The last time I called in a month ago, they explicitly said they had all the required documentation and didn't know why it has still not gone through. I sent them a follow up email XXXX weeks ago and have received no response.
Product: Credit card or prepaid card

On XXXX XXXX NetSpend made a debit charge without my permission in the amount of XXXX. I deposited XXXX on XX/XX/XXXX at XXXX XXXX NetSpend claims falsely that I had an old account that was in a negative balance status. NetSpend transfered the {$96.00} from my current account to the old account they said was in negative balance status. My issue is NetSpend is a pre-paid service, meaning you put money on the NetSpend card to use it.. without that you can not use the card. So how could I have a negative balance status? NetSpend never gives money.. you must put money on the NetSpend card to use it.. NetSpend stole my money by lying saying I had a negative balance status so without my permission NetSpend made a debit on XXXX XXXX a transfer to another old account I had with NetSpend. I owed nothing to NetSpend whatsoever.. like I said NetSpend is a Pre Paid debit card.. you must put your own money on the card in order to use it. On XX/XX/XXXX I put XXXX of my own money on my NetSpend card. NetSpend had no right taking my money!!