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

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete these unauthorized inquiries below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax. 
Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax. 
Creditor Name : XXXX  XXXX XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights under Unfair Practices 15 U.S.C. 1692f Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information  under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday, XX/XX/XXXX, I received the results of a dispute I submitted with XXXX where I asked the repository to check with OneMain Financial regarding the accuracy of their reporting regarding an account I settled with the lender back in XX/XX/XXXX. The terms of the settlement which was procured by the attorney 's office representing the lender ( XXXX XXXX XXXX, XXXX ) stated upon receipt of the agreed-upon settlement amount, the account would be deemed paid in full. However, OneMain has not maintained the agreement and has continued reporting to the consumer credit reporting bureaus that I owe them {$1200.00} ( which is the amount they waived when agreeing to the settlement ). I am asking for this tradeline to be reported accurately ( either deleted or reported as a XXXX dollar balance owed ). I have upheld my side of the agreement and I am only asking for OneMain Financial to do the same. There is no outstanding balance and I have no further obligation with the lender.
Product: Debt collection

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to each credit bureau asking them to verify this debt or remove it from my credit profile. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent in separate, notarized and certified letters ( enclosed with my proof of identity including a copy of social security card, and Driver 's License ) requesting that all hard inquiries be removed from my Credit Reports to Experian, XXXX, and XXXX because I was unfamiliar with the inquiries and fraudulent activity was posted to my accounts. 

I have even called on several occasions confirming my identity confirming I was unfamiliar with the inquiries and that they were furnished without my knowledge and written consent to all 3 bureau 's.
Product: Debt collection

I was contacted by a person identifying themselves as an employee of XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2023, advising they needed me to be at my home to be served with documents for a XXXX on my residence. I requested further information and was given a case # and a toll free telephone # XXXX, as I advised I knew nothing about such action. In the 20 minutes after I spoke with XXXX, they called my neighbor, my son, my home phone, my office phone, and my employer, advising I needed to make myself available for service. I called the number given to get more information. That subject advised he worked for the Law Firm of XXXX XXXX XXXX, and that I owed XXXX XXXX of Delaware {$22000.00}. I advised him I had no such account. He then said it was Chase Bank, I advised I had no Chase Credit Cards. He then told me they were coming to my work to serve me with a garnishment. When I advised him I knew that was false, as there was no Warrant in Debt or judgement against me, he became verbally abusive. I hung up at that time.
Product: Checking or savings account

In XX/XX/2018, Chase compromised my Joint Checking account with Me and My wife. While the bank covered the check that was fraudulently written on the account and improperly cashed by Chase personnel ( Fake name, check did not match personal checks, did not match check writing pattern, no identification collected by bank personnel, bank refused to participate in criminal filing ) Chase insisted that we obtain a new account number, instead of issuing a new account number they closed the previous account and set me up with a new account, unbeknownst to this they decided that my wife do to an ongoing issue with a student loan ( pending in court ) would not be permitted to open a new account with chase. 

Arizona is a joint property state which means she is legally entitled to the assets in the account anyway, and they did not close our joint lines of credit or credit cards. 

They continue to refuse that the issue is related to credit but they sent a letter after our complaint to Chase corporate that it was indeed credit related.
Product: Debt collection

In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. Please help.
Product: Credit reporting or other personal consumer reports

Illegal reporting to 3 major credit reporting agencies XXXX FUNDING -NO VALADION OF DEBT PROVIDED UPON XXXX FUNDING - NO VALADION OF DEBT PROVIDED UPON XXXXXXXX XXXX XXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXXXXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX / XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I PAID OFF AN AUTO LOAN WITH NAVY FEDERAL ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX  XXXX, XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY TWO YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM NAVY FEDERAL AND I HAD NO MISSED PAYMENTS.
Product: Student loan

I have been on SAVE since XX/XX/XXXX. As of two days ago, XX/XX/XXXX, my SAVE plan was switched to Extended Graduated without my consent or request nearly one year after I've already been on SAVE. I have never applied to be switched to this plan. When I called EdFinancial, they said this would be resolved by today, XX/XX/XXXX, and someone would reach out. No one has reached out. My outreach attempts have been ignored on email.
Product: Credit card

I called American Express and XXXX XXXX XXXX after being released from a hospital to report that I was not aware of my credit card being charged this amount due to a two week stay at a XXXX hospital. First, American Express credited my card ; then they said I would have to pay the {$7000.00} which I have been doing in order for my credit not to be destroyed. I feel that I am being discriminated against by both American Express and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt collection

We moved out of XXXX XXXX in XXXX FL in XX/XX/2015, ( XXXX XXXX XXXX ) As we were moving out they presented me with a bill. 

Said we didn't maintain AC, dirty carpets, water bill. 

I paid the water bill portion because that I believed we owed. 

I disputed the AC and dirty carpets. 

I then found they filed with a collection agency, but I was never notified of this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX but has not received any assistance. The account has been deleted with XXXX  and XXXX   however my XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Product: Debt collection

In XXXX, I bought a used XXXX XXXX from XXXX XXXX XXXX. I took out a XXXX from XXXX XXXX XXXX on the date of purchase. I'm not sure if XXXX XXXX XXXX is still open or if it has been acquired by another company. 
I did get behind on payments with XXXX XXXX XXXX after paying off most of the loan ( remaining balance {$2100.00} out of approximately $ XXXX in loan and interest payments ). XXXX XXXX XXXX repossessed the car which was offered as collateral for the loan stating the balance of the vehicle 's sale would be applied to my remaining balance. 
It's now XXXX, I have been working with XXXX 's XXXX and XXXX on trying to close this balance. I come to find today that I no longer owe anyone money after simply asking for a breakdown of my account balance. 
I have incurred XXXX years of credit damage from the following parties : XXXX XXXX XXXX Unifin XXXX XXXX What are the steps I can take to repair what these lenders have done to my credit score? I feel 100 % vindicated after hearing I owe no money as of today. I'm even wondering if I'm owed money from these parties considering they can not produce any details pertaining to the money they were attempting to collect for years. 

Here are the company 's websites that I have cited in my complaint XXXX XXXX XXXX XXXX XXXX XXXX ( website unavailable )
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX State Zip : XXXX, Florida Date : XXXX Creditor Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( XXXX XXXX, account number is reporting a balance of ( {$1.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 
If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX
Product: Debt collection

Debt was sent to collections why I was incarcerated I paid it off full an need it off of my credit Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got divorced in XX/XX/2018. My husband has a dispute with his electric company. He has settled the dispute and moved forward with a payment plan. I have not lived in the property where the electric has been used for over two years. 
I reported this to Transunion and they supposedly investigated it. Nonsense. There is no possibility this was properly investigated. I do not have anything to do with this debt.
Product: Checking or savings account

Citi has failed to honor the terms and conditions of a deposit account marketing offer they sent me via email. I accepted the offer and completed the required activities, including depositing {$15000.00} in a new account ending in XXXX on XXXX XXXX, 2021, and leaving it in the account for the last 6.5 months. 

In addition, Citi has failed to update my Social Security number ( to rectify their mistake ) even though I've sent the proper documentation. 

I have reached out to Citi and received conflicting information on numerous occasions as well as complete lack of followup and/or caring. 

I consider Citi 's actions to be bait and switch and subject to UDAAP regulations. They are effectively holding my funds hostage and not paying the marketing offer amount ( {$400.00} ) nor any interest. Please assist. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX ofXX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the XXXX lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified XXXX XXXX and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, XXXX XXXX failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. XXXX XXXX also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, XXXX negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. XXXX not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. XXXX failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across this fraudulent hard inquiry when reviewing my credit report. The company is called Chase Card Date : XX/XX/2017