23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 'm the victim of identity fraud. Since  XXXX   XXXX  ( and prior to that  XXXX  of  XXXX  ) I have been battling to have the   XXXX   XXXX   charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who  the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under  XXXX   XXXX . I would never open an account under a nickname and I 've never had   XXXX   as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the  XXXX . Interestingly, only the reports pulled by the mortgage company show these scores.  XXXX   XXXX  still has me in the  XXXX  range where I 've been all my life. PLEASE fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX in which they say i owe {$540.00}, and Account # XXXX in which they say i owe {$1700.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a FTC and Police Report to this Credit Reporting agency ( TRANSUNION ) on XX/XX/2021 according to FTC these fraudulent accounts must be removed within XXXX business days pursuant to XXXX XXXX XXXX. 


I've asked TRANSUNION to please removed theses accounts XXXX XXXX and XXXX XXXX XXXX XXXX off of my consumer report which they have failed to do so.
Product: Debt collection

On XXXX XXXX, 2021, and XXXX XXXX, 2023, I wrote to tell CREDIT COLLECTION SVCS to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

CREDIT COLLECTION SVCS Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( XXXX  days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Mortgage

We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.
Product: Mortgage

I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

beginning ofXX/XX/XXXX i had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and equifax stated items are under investigation and XXXX has not done nothing. 30 days has passed and i senet my second request to equifax and XXXX, equifax stated under investigation and XXXX did not even said anything which i decided to come here for help. please help me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act : The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. these liberties have not been afforded to me. I must be told if information in your file has been used against you. I have not been informed accordingly as well credit reporting agencies must correct or delete inaccuracies, incomplete, or unverifiable information. Also it states consumer reporting agencies can not report outdated negative information.
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. I am shocked by the lack of responsiveness and transparency, as I have trusted this product and the companies driving it with my hard earned money. To not have a resolution for these types of issues is blasphemous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with fraudulent accounts and multiple fraudulent inquiries
Product: Bank account or service

I traded in my car and the dealership requested the payoff amount on XX/XX/2016, the amount they told to pay was {$1900.00} and the dealership sends the amount of {$19000.00} this amount should include the interest after requesting the payoff and that amount sent on XX/XX/2016. the same day the wells Fargo bank took from my account {$430.00} as the payment for XX/XX/2016. and they are telling me at that moment that I still owe them {$570.00}. I am confused who owe the other, according to the accounting base wells Fargo owe me XX/XX/XXXX payment. add to that they are still charging me interest and they have reported that to the credit score agency. I am begging you non of their customer service, not even the vice president want to contact or deal with me. they just calling harris me and my wife and threatening us by telling us that if we did not pay this amount they will report it to the credit bureau and they did so my score went really down because they saying I am behind 77 days. the last time they contacted me was XXXX/XXXX/2016 and the representative did not want to talk with me she just telling me if I am going to make a payment and her supervisor as she mentioned his name " XXXX XXXX '' he told her to direct us to our new dealer which we traded the car with to talk with them and when the dealer tried to contact them they telling them the run-around for over 2 hours. earlier the vice-president contacted me and she refused to talk with me she said " I do not prefer talking with you and there is no more communicating till you pay your amount that you owe us '' and hang the phone on me. they are claiming that they send a check for me and they want me to sign an affidavit saying that I did not cash the check, how I am going to cash something I did not receive. please, help me.
Product: Mortgage

LoanCare , LLC, who acquired my mortgage servicing rights a number of months ago, has refused to credit additional monthly payments to principal, in spite of my repeated calls and instructions in writing via email. I have even called them in advance of submitting the payments, and have been told " my account will be noted to ensure proper crediting of the additional amounts paid. '' When you review the attached payment history, you can easily see the problem, and the fact that they have again made an error in crediting additional funds from the XX/XX/XXXX payment to future payments, instead of to principal.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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

Capital One Bank keeps changing remarks on my credit report to charge/off to closed to late payment and its dropped my scores over XXXX points because of these inaccurate remarks. The creditor agreed to a pay for delete on the referenced accounts that I paid. I dont want to file a law suit for this but I will forced to if they do not delete these accounts and all related remarks on all three credit bureaus. Accounts- XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please  investigate per the Fair Credit Reporting Act section 611.
Product: Debt collection

NCB contacted me and my mother both separately about her supposed debt, and did not identify who they were collecting for or that it was a collect call. The caller was rude and incredibly testy, stating that he could not discuss the business of the call with me until mom cleared it. In short- they were attempting to hide the nature of the call, and grew angry when they could not maintain secrecy.
Product: Credit reporting or other personal consumer reports

These inquiries are not approved by me and are irrelevant from my account. Kindly remove them asap.
Product: Credit card

I received letters in the mail that credit cards for both Target and XXXX XXXX have been opened under my name. I have reported both incidents of fraud to both of their respective customer service departments. I also have frozen my credits with XXXX, XXXX  and XXXX as well as set up fraud alerts with all three bureaus. As far as the information goes i know an amount on the target credit card has been spent of {$990.00}. I filed a police report ( case report # XXXX  ) with local XXXX police department XX/XX/year>.
Product: Debt collection

I've never had accounts with the creditors and your information has been accessed illegally.
Product: Credit reporting or other personal consumer reports

I received an email today from my credit card company that I received a major derogatory mark from XXXX XXXX. I thought it was unusual because I make regular on-time monthly payments for XXXX, and then I got another notification email from my credit reporting company, Experian that my account has been affected. I went to my account and it says that XXXX XXXX put a major derogatory on my account and my credit points went down by XXXX! I never received a single email, phone call, or letter in the mail indicating that I owed them money. This is madness and XXXX needs to be held accountable and I want this to get fixed as soon as possible. I have documents to prove that I am a XXXX customer, and haven't used XXXX XXXX in years! This doesn't make sense especially the fact that they didn't even bother to contact me about this issue. The only thing I can think of is that may have gotten the phone numbers mixed up, and I have also changed my phone number quite a few times. If you need additional documentation please reach out to me and I can provide additional documentation.
Product: Credit reporting

currently in litigation with XXXX banks i asked for information to be removed due to the court proceedings, still being reported which is holding my score back please remove mortgage account that appears and XXXX who was previous removed but has reappeared.that would able me to refinance my home and purchase a vehicle because the mortgage i have been paying for them not to report so i am asking for it to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX my bank mailed a cashier 's check to Home Depot. The cashier 's check had the last four digits of my account number and they included a copy of my statement. This cashier 's check was cashed on or around the XX/XX/XXXX. This check was for the Full account balance. This has yet to be applied to my account. My bank sent me the front and back copy showing it was cashed. I opened a dispute to get this payment found and applied. To date, this payment still hasn't been applied to my account. Now, they are charging late fees and calling harassing me that I'm late. This check was cashed by them and I called them to find this check and filed a dispute 10 days at least before a minimum payment was due. My minimum paymenta are due the XX/XX/XXXX so they had the check and cashed it Way before my payment was due. When I call, I get the run around that they are still missing something and yet another department says they received the notice from my bank that the check belongs to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my Lexus Nexis and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my duties regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within 24 hours stating the account is accurate without providing any evidence of a thorough investigation This practice violates the fair credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, Which mandate a reasonable investigation of dispute. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) FACTUAL DATA ( Finance ) XXXX  ( Miscellaneous ) FACTUAL DATA ( Finance ) FACTUAL DATA ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Product: Credit reporting or other personal consumer reports

M & T Bank has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!
Product: Debt collection

ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.
Product: Student loan

paid all the arrearage amounts on my loans and little to nothing was removed from the principal balance. it appears that they have been automatically recapitalizing late payments to the principal balance. whenever I make payments nothing ever comes off the principal balance of my loans. I recently paid almost {$4000.00} of payments and less than {$100.00} came off the principal amount. The loans were being amortized down faster before I consolidated them with myfedloan.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XX/XX/year> - Amount : $ XXXX Fraudulent Inquiries : XXXX ( XX/XX/year> ) 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 FIN ( XX/XX/year> )
Product: Checking or savings account

I had a account with Wells Fargo and had it like 2 months my friend was transferring money to me it went through and Wells Fargo stopped it and then told me they were closing my account I didnt get a reason nothing when I tried to talk to them they didnt want to hear it its funny I still get emails about my balance Ive told them take me off ur list for emails and somehow I still get them
Product: Credit reporting

As of today, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.