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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX BALANCED {$43000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX BALANCED {$27000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX BALANCED {$92000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX EXPERIAN XXXXXXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is not my account. Also my school loans are in positive terms. They still dont want to fix the problem causing me not to have a credit score on Experian.
Product: Debt collection

Pollack & Rosen is representing for XXXX XXXX XXXX XXXX XXXX. In XXXX I was notified by them of a debt and I requested more information stating I had no knowledge of the debt. I never rec 'd this. Now in XXXX they are garnishing my wages stating I rec 'd a judgement in XXXX. I never rec 'd a summons. It is possible they did not locate me as I moved XXXX times in XXXX due to various issues. There has been no information ever provided about this original debt amount, no proof that the debt is mine, and now my wages are being garnished. I have purchased XXXX homes since then and not once has this come up. I have no knowledge of the debt and would like them to cease from continuing collections. This was well past the Florida statute of limitations at the time the judgment was entered.
Product: Debt collection

There is a collection that is NOT mine, I checked my credit and saw it on there I have a common name and this happens a lot. Please help I don't know what to do
Product: Checking or savings account

My debit card was lost/stolen when I was in XXXX XXXX, Nevada and was charged many times without my consent. I reported it stolen within 6 hours when I realized it happened. I talked to my bank and they had already shut my card off due to the amount it was used and said the dispute would be settled in 7-10 days. It was not settled within that time frame. I subsequently was charged over draft fees on top of the money that was charged even after I reported it stolen. I reported it stolen XX/XX/XXXX and talked to them on XX/XX/XXXX when my issue was still not resolved. They proceeded to tell me the dispute could take up to 90 days. I talked to another person on XX/XX/XXXX and they said my money would be returned by XX/XX/XXXX. My account was not corrected on that day and I received a letter on XX/XX/XXXX stating that based on their evidence that I authorized those charged which I did not. The bank letter is dated XX/XX/XXXX but I did not receive it until the XXXX. At my local branch my mom talked to the bank manager on XX/XX/XXXX and that I was not getting my money back and I would be getting a letter. I never received a phone call this entire time from the bank when they said they would be contacting me for further questions or information. Even with the letter I received stating the charges I was disputing was incorrect also. They only had maybe half of the charges. 


I have 24 unauthorized charges to XXXX XXXX in XXXX XXXX, Nevada totaling {$980.00}. I have another 4 XXXX charges in XXXX XXXX, Nevada totaling {$91.00}. One charge to XXXX XXXX at {$13.00} and another to XXXX XXXX at $ XXXX.Due to all of these unauthorized charges I have 9 overdraft fees totaled at {$260.00}. I am disputing a total of 30 charges for the amount of {$1100.00}. Also I am disputing {$260.00} in overdraft fees. That would be a total of {$1300.00} that I am disputing.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021.
Product: Student loan

To Whom It May Concern, I am writing to file a formal complaint against the student loan servicer regarding the erroneous reporting of student loan debt on my credit report. Despite my multiple attempts to resolve this matter directly, the servicer has failed to take appropriate action, causing significant damage to my credit profile and financial standing. I am seeking immediate intervention from the CFPB to rectify this issue. 

Background : The student loan in question is associated with Account Number : DEPT OF EDUCATION/NELN XXXX, which has been inaccurately reported on my credit report for an extended period. This includes incorrect information related to the balance, payment history, loan status, and other crucial details that affect my credit rating. 

Complaint Details : Inaccurate Balance and Loan Terms : The reported balance and payment terms are completely inaccurate. no corrective action has been taken. 

Failure to Update Loan Status : The servicer continues to report late payments and delinquencies that are completely false. This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand that this incorrect reporting be addressed immediately. 

Negligence in Handling Disputes : I have submitted multiple disputes regarding this inaccurate reporting, but the servicer has either failed to conduct a proper investigation or has ignored my disputes altogether. Under the FCRA, they are legally obligated to investigate disputed information within 30 days, which has not been done. 

Ongoing Credit Damage : As a result of this erroneous reporting, my credit score has been severely impacted. This has hindered my ability to access financial products, obtain favorable interest rates, and pursue other opportunities. The continued presence of this inaccurate student loan debt on my credit report is unjustifiable and harmful to my financial wellbeing. 

Violations : The servicers actions constitute a clear violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers like myself from inaccurate reporting and debt collection practices. The servicers failure to accurately report my account and respond to disputes in a timely manner is unlawful and must be addressed. 

Requested Action : I request that the CFPB take immediate action to : Investigate this servicers handling of my account and their repeated failure to correct inaccurate information. 
Demand the immediate removal of this inaccurate student loan debt from my credit profile. 
Enforce compliance with all consumer protection laws, including the FCRA and FDCPA, to ensure that this servicer can not continue to report false information that damages my credit. 
Conclusion : I urge the CFPB to act swiftly in addressing this complaint, as the servicers ongoing negligence is causing continuous and irreparable harm to my credit profile. This situation has become unacceptable, and I demand a full investigation and resolution. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the investigation and the removal of this erroneous debt from my credit report.
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, has violated my rights. XXXX5 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

Attention dispute department DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to  information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts XXXX be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$XXXX} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Product: Debt collection

Collection company bought incorrect debt. DEPOSIT was NOT applied towards balance. I have been denied housing which viloates the FCRA. 

GENESIS CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XX/XX/XXXX, I DISPUTED A FEW XXXX LOANS ON XXXX, XXXX AND EQUIFAX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.
Product: Student loan

I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.
Product: Payday loan, title loan, or personal loan

Affirm claims that I opened a loan for a purchase that was made on XXXX ( {$860.00} ). I make all my purchases on XXXX with my XXXX account and there is no XXXX record for that amount on the date in question ( XX/XX/XXXX ) or any other date. I have used Affirm on XXXX prior on other occasions and have always made my payments. I did not make a purchase on XXXX for that amount and did not apply for a loan. I submitted my fraud claim to Affirm on XX/XX/XXXX. I received a follow up email on XX/XX/XXXX that it would take them up to 30 days to respond. I received another email on XX/XX/XXXX that they were denying my claim and I was responsible for the loan. I followed up with phone calls in XX/XX/XXXX but was told that they would not change their decision unless I came up with more evidence. I'm not sure how I can have evidence of something that I didn't buy and have no record of on XXXX? It is clear that someone used information that I had previously provided to Affirm to open this account. Based on the little information that they have provided me to deny my claim, I suspect that their data protection procedures are severely lacking. I have tried in good faith to work this out with them but they don't seem interested in the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XXXX I spoke with a representative ( XXXX XXXX ) in Consumer Affairs office. XXXX XXXX emailed me a link to submit my DL, SS card, and my report regarding identity theft. XXXX XXXX told me that she would follow up on the following day. 

I never heard back from XXXX XXXX and now I am being told that my documents can not be located. I still have proof of the emails with the link that XXXX XXXX sent me. To send your DL and social security card to Equifax and they are careless with such important documents is unacceptable. They are now asking me to Mail my personal documents through the mail. I refused because last year I forwarded the same documents through the mail certified with a return receipt. Equifax received the documents ( proof by the return receipt ) and they lost my documents.
Product: Credit card

I found out the payment is gone through, but the previous complaint to XXXX XXXX XXXX XXXX did not go through. 

I just complained the payment. It looks like the payment went though with saved credit card by the amount of {$70.00}, before I would make sure the amount was right or not. Also, I tried to change this card to auto pay, but it did not work. I just want to make sure these questions, meanwhile, I will check whether the payment go through from the credit card side.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year> had funds sent to me into my zelle account and received a email stating that my payment was cancelled. This happened to me XXXX weeks ago and just thought it was because zelle was having issues. Now fast forward to today. Payment sent and they payment sent back to sender. Called XXXX XXXX  since that XXXX is who has the portal I signed up through. Called XXXX they just said zelle does at random and has no other information. I have tried to reach out to zelle no one will respond. I got no letter, email, nor phone call.i use these alot during the day.. why i s it that these companies are treating people like this and making lies up to cover them. This is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT XXXX XXXX  XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING
Product: Credit card

I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( XXXX visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of XXXX! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds looked into it and they were ordered to pay back the unlawful charges to consumers. I was one of them! I actually got check in the mail with an explanation. This was after I had PIF and closed my account! The only reason I opened another account was I thought they had learned a lesson and this tone the promotion was legit. I guess I was wrong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all 3 of my credit bureaus and noticed several HARD INQUIRIES on my reports that I do not recognize nor authorized. They are as follows : XXXX on XX/XX/XXXX ( Never applied ) *JPMCB Card on XX/XX/XXXX ( Never applied ) *XXXX  on XX/XX/XXXX - I was told this would be a soft pull only because I was not leasing any equipment or phones from them. It was a hard pull, which I did not authorize XXXX XXXX on XX/XX/XXXX ( Never applied ) XXXX & XXXX XXXX on XX/XX/XXXX ( never applied ) I have contacted all 3 credit bureaus and was told to file a Consumer Finance complaint.
Product: Mortgage

I filed an initial complaint to the CFPB on XXXX 2019 and on XX/XX/XXXX West Coast 's response to the CFPB a government agency was that they are eager to reach a mutual agreement to put this matter to rest yet a week later on XX/XX/XXXX they filed a motion to continue to foreclose on my house and a motion for relief on the Automatic stay with clearly full intentions to foreclose and collect their profit without a reasonable doubt. West Coast purchased my note for pennies on the dollar in 2019 and have refused to disclose that dolor amount. They are predator investors dedicated to pray on consumers with equity in their homes. The Chief judge denied their motion 100 percent. West coast has lied time and time again and this is just one more of the instances in where the evidence shows they contradict their own statements and have now provided False information to the CFPB a government agency. A full trial is much needed for this claim to be disallowed entirely. I have attached a copy of the status report filed on XX/XX/XXXX from West Coast and their council with their motion to request to foreclose and motion to lift the Automatic Stay on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan company name is XXXX, I fill application belongs Infinity and then they ask me to bring 1, two years tax return 2, for three months bank statement, 3, my social security copy everything what they ask me I gave them still they dont accept, my score is around 710 and XXXX I like to ask question if you have over 700 score you dont need to collect personal information, that is the rule I know, please contact this office and get answer thanks a lot,