23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the XXXX XXXX  under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX XXXX XXXX  information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you
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 right to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX ) Account number : XXXX Account Name : XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : 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 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 or 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: Mortgage

Since being notified that there was a new owner of my loan in XXXX of 2018 I have asked for more information from Shellpoint as to correct mailing address and phone number for the new owner of the loan who is XXXX XXXX XXXX XXXX, not individually but soley as Trustee for XXXX XXXX XXXX XXXX XXXX. The only information I was given was a mailing address XXXX XXXX XXXX in XXXX XXXX, California.I sent a letter to that address and it was returned as undeliverable.. I an entitled to have correct infiormation on the new owner which is accurate including a phone number and a contact person. My requests have been ignored and I would like this issue to be resolved.
Product: Debt collection

Received a bill from Citibank for {$840.00} which was already paid.Have copy of my citi debit from my account dated XX/XX/22 for {$2000.00} and another debit on XX/XX/22 for XXXX XXXX.Paid my bill in spite of all the fraud that was on my account.Reached out to Citi fraud department and they haven't gotten back to me.Can you please assist.
Product: Credit card

I am looking at file number from Transunion XXXX XX/XX/XXXX # XXXX Placed in collections XX/XX/XXXX balance showing XXXX shows the account date updated, payment received. What is the date of last activity? What is the address on this account. Can I have a copy of the electronic signature, can the ssn be verified on this credit card account, can the dL or proof of Id that was used to authorize this account be given. 

File number from transunion XXXX issued XX/XX/XXXX This account shows that is was placed in collections and a payment was received. It also shows that the date placed in collections was XX/XX/XXXX. 
Transunion reported this was removed. 

File number XXXX this shows this was verified. I am requesting that Transunion pay close attention to their agency having a data breech. This account does not belong to me. The address assocated with this account was never my address. I am requesting this agency shows you company more than credit card bills at a wrong address. This does not prove this is my account. 

The collection agency must show a vaild DL, Vaild SSN, which should match my address. The should show a contract which was signed online with an electronic signature. As well as show they have the actual authority to collect on this account by XXXX XXXX XXXX  XXXX. 

I have a current and XXXX XXXX XXXX XXXX XXXX  which should be reporting from XXXX XXXXXXXX XXXX XXXX. at no time would a business reissue a credit card to someone they charged off the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've had my car repo twice with the company, my car has also been SHUT OFF several times before leaving myself and children stranded in the middle of the street at a stop light! My interest rate is out of the roof. My finance charge was at an illegal rate! When the car was bought the term of the loan was for 5 years at a little over {$17000.00} the car has never been worth the cost with it being a XXXX I've had the car for 3 years and my payoff is still over {$12000.00}! Company suddenly closed and transferred accounts to WESTLAKE Portfolio. The new company in charge of accounts have incorrect information and haven't been able to provide correct information or a solution. Warranty 's that have been paid towards doesn't exist anymore! The account shows closed on my credit report but was reported as delinquent when closed! It's unfair to be paying the new company, when the contract was never agreed to with them!
Product: Vehicle loan or lease

Alliant Credit Union continues to send me letters that I'm in breach of the terms of my agreement and threatening to raise my APR to 24 %. 

I had previously sent a email to several executives at the credit union in an attempt to clear up this matter however it appears XXXX has managed to somehow XXXX up the situation again and blame the consumer. I received two phone calls from credit union representatives and I followed their instructions. 

XXXX XXXX # XXXX proves the credit union received the information they asked for, which is the vehicle title and notarized power of attorney ( two copies ).
Product: Credit card

Overcharged membership fees. 
{$610.00} on XX/XX/XXXX for XXXX XXXX {$170.00} and {$99.00} on XXXX for XXXX card. Upgraded from gold card to reserve on XX/XX/XXXX so should NOT have been charged renewal fee. And {$170.00} fee for additional card was not requested by me.
Product: Credit reporting or other personal consumer reports

Credit report no longer shows any account or any paid in settlements or any info only keep XXXX house clean and that's been getting stolen
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 ACCOUNTI WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a failure
Product: Debt collection

I paid this debt XX/XX/XXXX to Holloway Credit Solution, LLC, the same day I was contacted, I open this account in XX/XX/XXXX. On XX/XX/XXXX, Holloway Credit Solution LLC, call me from this number XXXX, threating me about she had the papers coming to my job, after that did not work, they found this old collection and placed it on my credit report, causing me to lose XXXX points off of my score. I did disputed it but it is still remain as fact. XXXX reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times within this month, XXXX separate disputes with XXXX, to remove an erroneous credit account with XXXXCBNA. I have never had a XXXX account, the woman I spoke to at XXXX   associated this account with " XXXX '' ( I don't know anyone named XXXX ), the account shows opened in 1966 ( I was XXXX at the time ). I have looked at XXXX, the account is not there. The account is not mine, I have no knowledge of it. XXXX will not give me contact information so I can dispute it with XXXXCBNA. Please help.
Product: Checking or savings account

This is in regards to SoFi bank I tried id verifying my face 10 days in a row 30 times and they wont verify get me a manager none of it my camera works they keep giving excuses I have no way to access my money because their app is bad I cant change my payroll provider cant do XXXX I have XXXX in there I cant touch they wont even get me a manager to tell them their facial system doesnt work have offered other forms of identity to get my account unrestricted all of that
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is furnishing a bankruptcy to my consumer report inaccurately. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.
Product: Credit reporting or other personal consumer reports

I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. Kindly take immediate action to delete this false information from my files. Please remove and block.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax their download form, a letter, all documents they requested and then some specifically telling them to PERMANENTLY lift a freeze I had. They then refused demanding the exact same things I sent them. I am trying to buy a car because I was in an accident and they are preventing me from going to buy a car
Product: Debt collection

I received a notice of collection from Accounts Receivable Consultants Inc. regarding a medical debit. On XX/XX/2019 I responded that I did not agree with the amount that I had made payments and they did response with the bill. I received a response about the amount due and responsibility of my husband. On XX/XX/2019 I sent a notice that I had made two payments directly to XXXX XXXX XXXX so that the amounts they were trying to collect I did not agree. Then instead of them trying to find one payment missing they just sent me the same bill but there is still one payment missing that I have been letting them know since I received the first collection letter. XXXX I sent them another letter telling them of the missing payment amount and date it was sent and cashed. But then I received a call from them today and the person that called was very rude and threatening to report me and my husband to the credit bureau. I was trying to explain to her the reason why I had not paid it and she would not let me speak and said he have already responded and if you do not pay today we are reporting you to the credit bureau. And just to mention that she did not say she was trying to collect a debit or call was being recorded as you are required by law. Since she would not let me speak and made me mad did tell her to go XXXX herself and I hung up. Then she turns around and calls my husband with the same threat and made my husband mad that he hung up on her. I think her name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$17.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all hard inquiries these are not authorized by me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just received correspondence from Convergent Outsourcing, Inc. regarding a balance I owe to XXXX XXXX. A representative from Convergent contacted my XXXX year old son asking to speak with me. My son 's phone number is private and I have never provided it to anyone. I am unsure of the method used to obtain his personal information, but I am not happy and advised them of my concern.
Product: Consumer Loan

I had a loan with DiTech Financial that went into collections in 2015. They have sent this loan to a collection agency that now reports this account as a collection account on my credit report as a separate listing. According to the Fair Credit Reporting Act, XXXX different companies can not report the same debt on one 's credit report simultaneously. That is double jeopardy. Since DiTech Financial has transferred this debt to a new entity that is now reporting it on my credit report, DiTech financial should either delete their listing, or update their listing to show the account has been transferred. Currently, DiTech is reporting that my loan with them is actively past due, while the company they transferred it to is reporting it as a collection account.
Product: Mortgage

XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 



This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX15 USC 1681c-2 ( a ) XXXX  : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
XXXX. XXXX15 USC 1681iXXXX : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

XXXX. XXXX15 USC 1681e ( b ) XXXX : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
XXXX. XXXX15 USC 1681g ( a ) XXXX : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 
XXXX. XXXX15 USC 1681mXXXXXXXX : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 
XXXX. XXXX15 USC 1681nXXXX : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 
Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 


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 card

On XX/XX/2024, I made a payment of {$500.00} to one of my open credit accounts with Capital One. This was an online payment and was directly deducted as an ACH payment from my personal checking account with XXXX XXXX XXXX XXXX. On XX/XX/2024, Capital One marked the payment as " Returned for Insufficient Funds '' which removed the {$500.00} amount from my available credit line ; however, XXXX XXXX has confirmed with me through XXXX different agents that the funds were available in my personal checking account at the time that they payment was made. The funds were in fact deducted from my personal checking account, but a return was never received when Capital One rejected the payment. As such, the payment I made of {$500.00} was neither credited to my Capital One account nor returned to my personal checking account. Furthermore, on XX/XX/2024, Capital One charged my personal checking acccount with an additional {$9.00} charge for insufficient funds on the supposed returned payment. This was not necessary at they had taken the {$500.00} from my account and the error of returned payment results from their system failures, not my lack of funds. 
On XX/XX/2024, I was in the process of making another payment, and I noticed the returned payment error. I authorized my wife to speak to an agent from Capital One while I was at work. This agent emailed me a secure link to upload the following documentation to allow for further investigation : A detailed bank statement showing the payments has cleared your funding account ; A letter from your bank advising Capital One that your payment was returned in error ; and A copy of the cashed payment. The agent advised me that the final document was not needed as my payment was made online. I provided Capital One with the needed documentation in a timely manner. On XX/XX/XXXX, I followed up by calling an agent that informed me that these sort of requests can take up to 90 days to process. Although I was frustrated, I decided to let the process unfold before taking further action. From the time of the opening the investigation with Capital One, I have spoken to at least XXXX agents from XXXX XXXX XXXX XXXX ( on the phone, over email, and in person ) that have assured me that the funds were deducted, the returned payment and attached charge was an error by Capital One, and that the {$500.00} payment was never received back in my personal checking account. 
We received a letter from Capital One a few days after the XXXX holiday informing us that they were " unable to process our request '' and that the investigation into the returned payment was denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Collection Agency Violating Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Columbia Debt Recovery LLC , regardiXXXX their violation of my consumer rights under the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). Despite my repeated requests, Columbia Debt Recovery LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Consequently, they have placed a collection entry on my consumer report without furnishing the necessary validation information, thus infringing upon my rights as a consumer. Furthermore, I have not been afforded the opportunity to dispute the account in question as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The failure of Columbia Debt Recovery LLC to adhere to this regulation denies me the fundamental right to challenge the accuracy of the reported information. It has become evident that Columbia Debt Recovery LLC engaging in practices that are not only unethical but also illegal. Their actions include the use of false, misleading, and deceptive means, which directly violate consumer protection regulations. Moreover, Columbia Debt Recovery LLC has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law, as stipulated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their disregard for these legal obligations is a clear violation of my consumer rights and undermines the integrity of the credit reporting system.