23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items seems to be an error that needs to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All 3 bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXX  XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.
Product: Student loan

I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.
Product: Credit card or prepaid card

I notified Wells Fargo back in XX/XX/XXXX of a purchase in XX/XX/XXXX that was never fullfilled in the amt of {$28000.00} and that I would like them to charge back that amount. in XXXX I called to check on the status still nothing. Called back in XXXX the representive told me they issued a temporary credit to my card, except the card the issued the credit was replaced by them months ago. I asked is they could just transfer the money to my checking account after several ( 2 ) hours on the phone I was told that was not an option. So I asked if I could then have it sent to my current card and they said it would take a few days. It's been 3 weeks and the last person I talked to XXXX XXXX XXXX lied to me on the phone, promised to call me back and the lied about that as well. Wells Fargo has been totally a nightmare to work with on this.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim. 

Went to the bank with two forms of ID on XX/XX/XXXX, XXXX, and XXXX. 

I made several withdrawals with my cellphone ending in XXXX being used as verification and my IDS as well. 

I live in XXXX, now I'm trying to get back and suddenly my accounts are all frozen in credits only state and the bank will not help me unless I go back into the bank? I have no access to my money there is no way of me doing that.
Product: Debt collection

XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my XXXX XXXX  XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

In XXXX, I received notification that I was included in an Equifax breach and when I saw the accounts that I didn't recognize, they have stayed on my credit report after I have reported them to be incorrect.
Product: Credit reporting or other personal consumer reports

I hired XXXX XXXX in XXXX  to fix my credit, but they didn't do so. I consider it a fraud. They charged me monthly {$150.00} for a year. I heard that a federal complaint was filed against them. The File number is XXXX, which obligated them to compensate for damages to their clients. I feel aggravated because I emailed XXXX. They replied that somebody would contact me, but they didn't. I also submitted a previous complaint on this website, with documents proving I was their client, and you denied it. How can you deny my complaint if I have presented proof that I hired this company to repair my credit, but they didn't? You are taking care of XXXX XXXX cases, which I fall into that category. I called the number ( XXXX ) XXXX, and the waiting time was about 8 minutes, but they kept raising the waiting time from 8 to 40 minutes, making it impossible to be waiting to talk to someone to get an answer to my questions. I also sent a letter to an address to report my new address, but I haven't received any reply yet. Please I need to talk to someone about the compensation. I am entitled to receive a check for all I paid. My phone number is XXXX XXXX. My previous address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2022 I MADE A PAYMENT ONLINE & ON THE BANKS PORTAL IT SHOWED " PAID '' THEN PAYMENT GOT RETURNED & REPRESENTATIVE TOLD ME I SHOULDNT DO ANYTHING BECASUE THEY WILL REPROCESS... IN THE MEANTIME IT SHOWED ONLINE THAT MY PAYMENT FOR XXXX WAS PAID. THEY NEVER REPROCCESED THE PAYMENT & WHEN I REALZIED ON XX/XX/XXXX I CALLED THEM & THEY SAID TOO BAD WE WILL REPORT AS 30 DAYS LATE I IMMEDIATLY MADE THE PAYMENT & HAVE BEEN IN GOOD STANDING SINCE. I NEVER MISSED ANY PAYMENT TO ANY CREDITOR IN XXXX  YEARS. THIS SITUATION RUINED MY CREDIT SCORE & I FEEL HELPLESS. THEY ALSO LIED TO ME ON THE PHONE ABOUT THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX  XXXX
Product: Credit reporting

I have informed Experian that the following addresses are not mine or never been mine : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Please have these addresses removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent XXXX XXXX Transunion XXXX and XXXX each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.
Product: Debt collection

I writing to formally dispute and request validation of a collection account appearing on my credit report, currently managed by NCB Management Services. This account, which I initially disputed in XX/XX/XXXX, is listed on my credit report with differing " Date Opened '' entries : XXXX reflects a date of XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. For clarification, please confirm the date that NCB Management Services actually received this debt. 

Account Details : Creditor/Collection Agency : NCB Management Services Mailing Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : XXXX Account XXXX Outstanding Balance : {$8600.00} Payment Status : Collection/Chargeoff Date of Initial Dispute : XX/XX/XXXX Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that NCB Management Services provide detailed validation of this debt, including the following : A complete and itemized payment history for this account, covering all charges, fees, payments, and any other transactions associated with this debt. 

A copy of the original signed agreement between myself and the creditor, clearly showing my signature and the terms I agreed to. 

Details on any insurance claims filed in connection with this debt, including how any insurance payments were applied. 

The chain of title for this debt, including records of any transfer of ownership and proof of NCB Management Services ' right to collect on this account. 

A copy of the IRS Form 1099-C if this account has been charged off, as indicated on my credit report, for tax purposes. 

Without this information, I am unable to verify the validity of this debt, and therefore I request that it be removed from my credit report if sufficient documentation can not be provided. 

Please send the requested validation documentation or confirm the removal of this account within the legally required timeframe. If you require any additional information, feel free to reach me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022
Product: Credit card

I am reporting predatory business practice by Bank of America, Alaska XXXX credit card. I have had the same card in the past and experience the same practice but was working, and it was easier to pay it versus fight it. Now I have encountered the same predatory practice and am filing a complaint because I can not afford the charge. 
I contacted XXXX XXXX XXXX on XXXX/XXXX/2016 informing them I wanted to stop automatic charge to the above credit card company informing them of the plan to cancel the account. I requested paper billing and they agreed. At that time I also pointed out a discrepancy in the agreed monthly charge and they made the adjustment. 
I then contacted Bank of America on XXXX/XXXX/2016. I explained about my recent XXXX and my desire to pay the balance including any charges accrued up to that date. I gave them my checking account information and paid the amount stated which was {$4200.00}. I told the person I did not want to receive a bill later with some charge as was my experience in the past. I was told I would not, as the amount due was complete. 
The next month I received a bill from Bank of America stating XXXX XXXX XXXX had charged the monthly fee and then an interest fee of {$41.00} was added! I called Bank of America and informed them of the failure of both companies to do what they had agreed to do. The person told me to contact XXXX XXXX XXXX. I tried and was placed on hold. 
On XXXX/XXXX/16 I receive an email from my credit protection services informing me Bank of America had made a negative notation on my credit report. I received a bill from Bank of America recently with the " interest '' charge of {$41.00}. It 's interesting to me they charged this amount after the account was closed based on a non-authorized charge from XXXX XXXX XXXX. The charge from XXXX XXXX XXXX had been removed. 
I am very upset. It is known, many people who work full time do n't have the time to dispute fraudulent charges and go ahead and pay these type of charges resulting in millions of dollars in profits to these companies. I am now XXXX, can not afford to pay for this fraud and will not.
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 Zelle using 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers that has also allowed 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

ELANFINANCIAL SERVICE IS REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT. I'VE NEVER OPEN ACCOUNT WITH THIS COMPANY I HAVE NEVER WENT INSIDE ANY BANK TO OPEN ANY KIND CREDIT CARD WITH THIS COMPANY AND I HAVE NEVER WORK FOR XXXX XXXX THIS COMPANY DOES NOT EXIST IN XXXX TN THIS COMPANY HAS NEVER PROVIDED ME A COPY OF THE APPLICATION NOR HAVE THEY PROVIDED ANY ID FOR THIS ACCOUNT THIS NEEDS TO BE REMOVE FROM MY CREDIT REPORT I WILL NEVER GIVE NOR WILL I STOP DISPUTING THIS ACCOUNT I WILL BE CONTACTING MY ATTORNEY.
Product: Credit reporting

I had a XXXX XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I began a VA loan assumption with Mr. Cooper in XX/XX/. I was immediately aware of their advertised 4-6mo assumption process, but not aware this violated my rights under Regulation Z. They received all the required documents on XX/XX/XXXX. I received complete silence of any information or contact on their end. Over the course of the next month I called on average once a week and had to pry any information or timelines out of their customer service department. After taking it to their escalations department for a second time I was told I will be contacted by a loan officer on XX/XX/XXXX. This puts this above the 30 day ( 45, with notice of extension ) without any written ( email or otherwise ) notice from them. I will likely not have a loan estimate nor closing disclosures sent to me in the timeline required by the CFPB and have been forced to push the closing date to end of XXXX Furthermore, it is clear that Mr. Cooper has done everything in their power to dissuade their customers and borrowers from exercising their right of loan assumption. The examples I've ran into so far are : - Countless warnings of a 4-6 month process because they are " backed up '' and have been since rates increased. 
- A false written statement in their assumptions package : " Please be advised, the loan is not assumable according to the terms of the Note, if an unrelated third party is requesting to assume the debt. '' ( see 1st page, end of paragraph 2, on attached ) - Their escalations department stating my rights are not protected under the CFPB when attempting a credit qualifying assumption. 
- A complete lack of communication on documents needed and timelines for contact or next steps.
Product: Credit card or prepaid card

we have been heavily impacted financially by covid-19 due to loss of income. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I have spoken with American Express multiple times to express my concern that I can't pay my credit card payments. In XX/XX/2020 I sent them a hardship letter, certified, signature receipt, in writing detailing to American Express I could pay at least {$25.00} monthly to at least show good faith effort that I'm trying to pay something. The letter was accepted and signed for by an American Express agent. The account has been closed because of the fees that American Express are charging ( late fees, rate hike fees etc. ). They offered a payment plan of {$80.00} a month for a year, but I reiterated that we have lost income due to covid-19 and we don't have that kinda money coming in to pay that amount! I asked for a forbearance, lower payment that I can afford, lower interest rate etc., until we can try and recover financially, which will be a huge undertaking!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus will not fix the collections account for XXXX XXXX I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Product: Debt collection

I consumer XXXX XXXX have disputed alleged debt several times that CAPITAL ONE states that I owe. CAPITAL ONE refuses to send validation or verification and proof of alleged debt. CAPITAL ONE refuses to send any enforceable documents because they do not have them and they continue to harass myself the consumer about a debt not owed. I am under Article Three Standing of the Constitution for the United States and CAPITAL ONE is in violation for attempting to collect an unlawful debt. CAPITAL ONE is insolvent in this matter. I consumer extended and offered my credit to CAPITAL ONE pursuant to the TRUTH IN LENDING ACT and CAPITAL ONE converted my credit application into a loan application which was done without my consent. CAPITAL ONE has received credit for the consumer credit transactions and when my credit application was converted they made ill gotten gains on credit and did not report it to the IRS which is tax evasion. I will notify the IRS with the proper forms. CAPITAL ONE has taken my private information and misused is leaving myself the consumer no benefit in which is not equitable to myself the consumer. This is criminal behavior conduct by CAPITAL ONE. I do not owe this alleged debt, CAPITAL ONE is a creditor through extension of creditor who is now acting as a debt collect with furnishing false and deceptive forms.