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

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( Fraudulent Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history.

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Product: Credit reporting or other personal consumer reports

I want these increase on my credit report removed as I never authorize them to run my credit. I am a victim of identity theft. 

JPMCB auto finance bank XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a request to XXXX, XXXX, and TransUnion for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Product: Money transfer, virtual currency, or money service

Hi there,? I find it rather ironic that I have now tried several times making a payment to this XXXX citibank credit card and no matter times I enter in the correct information to take the money from my checking account from XXXX, the automated voice message system refuses to accept it. Not only isthis time consuming, but it is understandably very aggravating to deal with this let along the day to day struggles that most of us have to face and now this... 
Did I make a mistake opening up this credit card through XXXX? Should I close this credit card account?
Product: Debt collection

on XXXX 2020 i disputed the items with XXXX  about i have already the debt to the original creditor and they have not remove it from my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

My information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.
Product: Credit card or prepaid card

I left XXXX, XXXX on XX/XX/2020 and moved to XXXX, XXXX for a temporary stay about two weeks. When I was at the airport waiting for my flight to XXXX XXXX, XXXX on XX/XX/XXXX, I noticed that there were some unauthorized transactions on my credit card, which I always brings with me. I called the Barclays Bank immediately and they said they would reverse the charges. The unauthorized transactions happened between XX/XX/XXXX and XX/XX/XXXX. Most of them happened in XXXX, XXXX and some were from online store. In total, it was about {$400.00}. By the way, I went to XXXX XXXX for a personal trip between XX/XX/XXXX and XX/XX/XXXX, meaning I was not even physically in XXXX, XXXX, making it impossible for me to make the transactions. A fews day later, I received the credits for all unauthorized transactions. However, about 10 days ago ( On XX/XX/XXXX ), I got a letter from Barclays Bank saying there are three transactions which were made with the chip.The total amount is about {$160.00}. They said my card had to be present to make chip transactions and decided to put the related charges back on my account. As I said before, I was not in XXXX and I can prove that either with the receipt from a hotel or the GPS location on my XXXX XXXX. The Barclays Bank is accusing me of making the transactions which I never did and refused to drop the unauthorized transactions. This is ridiculous.
Product: Debt collection

As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action.
Product: Mortgage

on XXXX XXXX XXXX I found the XXXX XXXX  payment to Rushmore Loan Management services had not been posted. I was notified my payment was overdue, and I was being assessed a {$15.00} late fee. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
I went on the Rushmore website and sent them a message : XXXX XXXX XXXX XXXX XXXX ( PDT ) On XX/XX/, I scheduled a payment of {$1100.00} with my bank. On XX/XX/XXXX, the bank reported it was processed, and paid. I have an inquiry in to the bank about this, but I have a printout of my banks ' report the XXXX XXXX payment was made. Is there any chance it was mis-applied when it arrived? Thank you. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
On XX/XX/XXXX, I received an answer : Payment Rushmore Agent XXXX XXXX XXXX XXXX XXXX We can accept partial payments ... 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
On XXXX XXXX, I sent this message via their website : On XX/XX/, I sent a payment to you through my bank, XXXX XXXX XXXX. They confirm the money was, indeed, sent to you. 
They provided a tracking number - XXXX - to prove the money was actually sent. 
Please find and correct the problem you seem to have at your end, and credit my payment. 
Thank You, XXXX XXXX ( XXXX ) XXXX Rushmore Loan management Services LLC XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC reports with accounts and fraudulent inquiries I did not authorize
Product: Credit card or prepaid card

I am a military Veteran and have been a member of USAA for 55 years, as have been my family, including my former wife, who had a credit card with me. 

In 2019 we divorced and USAA has their policy to separate divorcing couples and forced me to close my credit card, which was below its limit, and refused to open one just in my name. So I opened a credit card to pay off that debt at zero limits, which only lasted for a year as I had been hacked, they caught the thief but I couldn't get a freeze off on my credit, and USAA limited my membership based on something other than my creditworthiness when I tried to transfer the small remaining dept back to USAA saying the reason was " previously submitted credit card application pending fulfillment ''.

I had transferred from USAA to another bank, where I also paid on time, and my FICA score is XXXX XXXX, XXXX  XXXX, and XXXX XXXX but XXXX still has a freeze on my credit that seems very outdated and I have been unable to unfreeze it, but recently I bought a {$24000.00} car, which required calling XXXX to release the freeze which evidently was temporary. I haven't been able to get any credit at all because of this freeze that USAA knows about yet did nothing to assist me. 
I am a divorced XXXX-year-old male, in good health, financially solvent which USAA knows as they have been my main bank for 55 years and have all my financial data. and
Product: Credit reporting, credit repair services, or other personal consumer reports

The following were part of Trans Unions Inquiry issue. Inquires that did not have authorization nor belong on the report. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union was un willing to assist in rectifying the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with CAPTIAL ONE without my authorization. 
There was 3 credit card accounts opened without authorization from XXXX XXXX. 

When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Product: Debt collection

This people call me any time also i contact this Capio collectors and request an info they not respond i send email to them to XXXX also send a letter is attach here, by the way i am dissable and live with my parents
Product: Vehicle loan or lease

I have been struggling to find legal representation for this issue with no success so far. On XX/XX/XXXX, when my vehicle was repossessed, there was a heated exchange between the agent and myself. Despite my request for him not to take the vehicle I was in, he proceeded to do so, resulting in a clear breach of peace on his part. West Lake failed to inform me of the vehicle 's whereabouts along with my belongings, forcing me to make multiple calls to obtain this information. Upon finally retrieving my belongings, they were damaged and some items were missing, irreplaceable things lost. I was not informed about the auction details of the vehicle either. This situation is adversely affecting my credit report, hindering my ability to secure a vehicle essential for my job. I seek your assistance in obtaining the necessary relief to move on from this ordeal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is clouding my credit report. When I contacted XXXX XXXX, they said, I do not know owe the balance being reported but that they report this amount as a default amount. Rep for XXXX XXXX also says, we, did not tell the debit to collect to collect this amount. So, this is so sort of cash grab, I dont know how XXXX XXXX XXXX received social security number either. I never applied for credit with XXXX XXXX. I dont owe them anything.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late opening of account with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. I submitted applications to open account with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to account with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, US DEPT. OF EDUCATION/XXXX US DEPARTMENT OF EDU , XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU , XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX US DEPT. OF EDUCATIONXXXX, XXXX DEPARTMENT OF EDU XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes. particularly in the 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.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair reporting on my XXXX file. Under the Fair Credit Reporting Act ( FCRA ) 611 and Fair Debt Collection Practices Act ( FDCPA ) 807, I request a thorough investigation into the following items that I believe to be inaccurate, outdated, or unverifiable :
Product: Payday loan

I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

They refuse to help me get my money. They will not allow me the ability to transfer the money nor close my account. I want my money plus interest every day They delay this.
Product: Debt collection

A Civil Action was taken against me on XX/XX/year>, in total judgement of {$7000.00}. I arrived in court to seek verification and validation in terms of this debt collection, but I did not receive that from Brock & Scott PLLC Representative. I only received a form of payment letter with the collection amount and their account and routing number. No attempt to validate and verify this debt. This is not resulting in negative activity on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit  report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Jefferson Capital Systems LLC, Keeps Falsely Reporting To XXXX, XXXX, And XXXX Credit bureaus, XXXX XXXX Account Was Opened in XXXX Not XXXX Jefferson Capital System Is Highly Impacting My Credit And My life Negatively. They Also Keep False Last Reporting To Present Time When I have Never ever Spoken To Them Or Set Any Arrangement With Them. I Have Made Disputes With The Three Credit Bureaus, Only XXXX Has Taken Action And Removed The Collection Off My XXXX Credit Account, XXXX And XXXX Has Not Taken Action Yet