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

THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. COMENITYBANK/XXXX XXXX   WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.
Product: Money transfer, virtual currency, or money service

Im reaching out to express my concerns regarding Zelles 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 finding 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 this very unfair and very disappointing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Dispute of Late Payment Inquiries on Credit Report for Account # : XXXX Dear JPMCB CARD Representative, I am writing to formally dispute the reporting of late payment inquiries on my credit report concerning the above-referenced account. These inaccuracies have unjustly affected my credit score, and I am requesting their immediate correction in compliance with federal regulations. 

Upon reviewing my credit report, I discovered late payment inquiries associated with this account that are incorrect. These errors stem from a billing issue, as my payments were never late. I request that you promptly investigate and remove these inaccuracies to restore the integrity of my credit report. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., requires all credit reporting agencies ( CRAs ) and furnishers of information to ensure the accuracy and completeness of reported information. Specifically : 15 U.S.C. 1681e ( b ) : Mandates that information furnishers like your entity ensure the accuracy of data provided to CRAs.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires a thorough investigation of disputes and the removal of inaccuracies within 30 days.

15 U.S.C. 1681c ( a ) ( 5 ) : Stipulates the removal of adverse information that predates the seven-year threshold.

These late payment inquiries are inaccurate and damaging. Therefore, I respectfully request their removal from my credit report. Please confirm in writing that these inaccuracies have been corrected within 10 days of your receipt of this letter.

Failure to resolve this dispute may result in further actions, including monitoring my credit report and seeking legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I trust that you will address this dispute in a manner that complies with the FCRA and protects the integrity of my credit report. 

Sincerely, XXXX XXXX Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure for disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements for removing outdated information )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, XXXX transunion and any other parties who have access to my information and debt.
Product: Student loan

My wife and I have filed paperwork multiple times with FedLoan Servicing to have our billing combined. This has never happened. I also submitted a large sum payment 2 years ago, and have been trying to get FedLoan Servicing to bill me monthly rather than simply treating my loan as paid ahead. On XXXX XXXX, 2016 I notified FedLoan Servicing of these issues using their online " contact us '' email system. I explained the issues, and asked that they contact me as soon as possible. Other than sending a standard automated response almost immediately after I submitted my online email, FedLoan Servicing has never provided a substantive response to my request. 

My wife had a very similar experience with FedLoan Servicing a couple of years ago to discuss adjusting repayment options after I lost my job. She even filed a complaint with the Department of Education 's ombudsmun because it seemed they did not want to take any actions that would help us pursue income based repayment options reflecting our adjusted income at that time. In response, FedLoan Servicing lied to the Department of Education and claimed they had responded to my wife 's email, although they never had. I share this because FedLoan Servicing seems to have a lengthy history of disregarding communications, offering consumers the illusion of a convenient communication option but then ignoring these communications. It seems likely that this keeps students in repayment plans for as long as possible that are beneficial to FedLoan Servicing under its contractual agreements as a loan servicer, as opposed to actually performing the function of servicing federal student loans. 

No company should profit from servicing loans on behalf of taxpayers in such a poor, underhanded manner. FedLoan Servicing should provide adequate customer service and if the organization does not want to respond to messages submitted via its online log in system, then it should not even offer this as an option as it is a bait and switch. It makes consumers believe they have initiated a communication to address a problem, only to follow up and then continue to be ignored. It 's absurd and must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked XXXX, XXXX  and TransUnion to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case
Product: Credit reporting or other personal consumer reports

A debt validation letter was dispatched to request evidence or verifiable proof, such as the original consumer contract with the consumer 's signature, for the XXXX accounts listed with varying alleged owed amounts. The agency was given 30 days, as mandated by federal law, to complete their investigation and provide specific details, including the calculation method for the alleged debt, copies of any documents confirming the consumer 's agreement to pay the alleged amount, verification of any judgment if applicable, identification of the original creditor, proof that the statute of limitations has not expired for these accounts, evidence of the agency 's licensing to collect debt in the state of Florida, including their license number and registered agent, and a payment history from the original creditor. Additionally, the consumer requested the name and address of the original creditor and proof of the agency 's ownership or assignment of the alleged debt. Unfortunately, none of this information was provided to the individual. 

Subsequently, a follow-up letter was sent to the credit bureaus on XX/XX/year>, to investigate the alleged claims and dispute them due to the agency 's lack of good faith in failing to provide the requested information. It is concerning that the agency has included information in the credit profile without maintaining reasonable procedures to ensure the accuracy of their credit reporting. The laws governing credit reporting mandate that bureaus only report completely accurate information, and every effort must be made to ensure the accuracy and correctness of reported information. 

A demand was made for the reinvestigation of the accounts and the provision of any form of verifiable proof, such as an original consumer contract with the consumers signature, that the agency had on file for the previously mentioned accounts. The failure to positively verify these accounts significantly impairs the individual 's ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), accounts that can not be verified must be removed. Unfortunately, these accounts remain listed on the individual 's credit reports despite a XXXX and subsequently a XXXX grace period. Additionally, it was requested that all non-account holding inquiries over 30 days old be removed and a promotional suppression be added to the individual 's credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was charged and I'll be charged again on XX/XX/XXXX. My loan amount has not gone down in the slightest. They will continue charging me over {$200.00} in interest every other week twenty times even though my loan was only {$750.00}. This is a horrendous scam and takes advantage of people in need. 
Mitigcapitol is a scam that doesn't put their fees in the fine print or even tell you about them. I didn't give them any permission to take any direct deposit from my account. They just took money straight from my account. The agreement never said that they would be able to just take money out of my account and have access to my bank. I've read over everything. They're trying to charge over {$200.00} interest for 20 payments plus the payments amount of over {$200.00} for every payment as well. That's extraordinarily well over the amount that was loaned. I was loaned about {$750.00}. I'll end up paying 20 times $ XXXX. This was all hidden and never disclosed to me in the agreement. They're now taking money directly from my account.
Product: Credit reporting or other personal consumer reports

Account # XXXX | Reason : This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Debt collection

MCM debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my XXXX card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine. 

But I do feel this company MCM and XXXX XXXX bank has been repeatedly harassing me and MCM have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. MCM was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLEARONE ADVANTAGE claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, first thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose. The FCRA says that a creditor or user has to provide permissible purpose, all I want is for this to be deleted now. I did not authorize this company to do a hard pull on my credit report.
Product: Credit card or prepaid card

I received the following threat to close my account and they will report it closed to the credit bureaus if I dont make a purchase soon. Below is the main part of the email : Were Comenity Bank and we handle everything related to your Victoria 's Secret XXXX Credit Card account.

You may not realize it, but your Victoria 's Secret XXXX Credit Card account hasnt been used since XX/XX/XXXX Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. 

Want to keep your card active? Please make one purchase by XX/XX/XXXX Wed love to continue having you as a Victoria 's Secret XXXX Credit Card customer. So were inviting you to keep your account open with a single purchase but you must make it by XX/XX/XXXX. Otherwise, your account will be closed on XX/XX/XXXX.
Product: Checking or savings account

My chase account was closed on XX/XX/year>. After contacting chase and going to a branch, representatives will not disclose why my checking account has been closed and has yet to release my funds as of XX/XX/year>. I had recently just received my paycheck on XX/XX/year> and since I havent been able to have access to my paycheck, most of my bills have now become past due. I have did nothing wrong and do not deserve to deal with late penalties for not paying my bills because Chase has closed my account for no reason.
Product: Debt collection

I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.
Product: Debt collection

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a goodwill letter disputing the validity of ( 8 ) incorrect items on my credit to XXXX. I submitted disputes along with evidence that the letters were in fact sent to the correct address. The representative stated that he would include the notes pertaining to the letter and that the disputes would be investigated. He went on to state the original debtor had transferred the debt to another collection agency and that the information was verified that company. I called back on XX/XX/XXXX to follow up with my second letter and was informed that neither letter was received by the dispute department and could have potentially been destroyed. I called back in today and spoke with a representative from XXXX to XXXX EST only to be told that due to the high volume that she was not able to assist in looking into the matter and that the only thing that she could do was to start a new dispute following my follow up letter. She then transfers me to a dispute Supervisor XXXX and we started the entire conversation over and he informed me that they had not received any of the ( 3 ) letters that I submitted questioning the misinformation on my credit report. I have been patient with Equifax for ( 2 ) months and when I feel as though I am getting somewhere, the supervisor ends the call and I am then prompted by a survey. As a result of the handling of my inquiry, I am now submitting a concern about Equifax and their poor management of my personal information. This company is in violation of 15 U.S. Code 1692g, 15 U.S. Code 6801, 15 U.S. Code 1692e, and 15 U.S. Code 1692k.
Product: Vehicle loan or lease

The company failed to provide correct information regarding to where {$12000.00} that i paid on the existing loan when the car when in my possession. XXXX XXXX stated in her recent statement " On XX/XX/XXXX, XXXX XXXX entered a Retail Installment Contract ( Contract ), when he purchased a XXXX XXXX XXXX from XXXX. The account was subsequently assigned to Bridgecrest. At the time of sale, XXXX XXXX agreed to remit monthly payments of {$480.00}. '' she failed to provide or state where the money went nor did she provide any information. XXXX XXXX added " On XX/XX/XXXX, XXXX XXXX contacted us expressing his desire to surrender the vehicle voluntarily. We began the voluntary surrender process and encouraged XXXX XXXX to bring the vehicle to his local XXXX dealership to proceed. We can confirm that XXXX XXXX did not elect to return the vehicle at that time and no further action was taken as he continued to remit payments toward the account. '' We can also confirm that the car was not working after notifying you guys why the car was not working and why I could not bring it to XXXX XXXX. I have tried multiple of times trying to work something out with Bridgecrest who fail to do so because they want {$4000.00} within 30 days. 



" We confirmed that the vehicle was at risk of recovery assignment and due to the delinquent status the option to voluntarily surrender the vehicle was no longer available '' No one at bridgecrest ever stated what XXXX XXXX was saying they did not notify nor meant it while talking with them numerous of times. I voluntarily surrendered the Vehicle but could not bring the car to them due to the fact the car was in the shop due to the engine not working but the company knew that was well. 


" XXXX XXXX confirmed that the vehicle had been abandoned at the original equipment manufacturer ( OEM ). That same day, per our contractual right to secure our collateral, we arranged to pick up the vehicle. '' Per the phone call that I had with Bridgecrest on the day I had explained to them why I could not bring the car to them and that the car would have needed to be picked up, XXXX XXXX did not tell the truth the car was never abandoned. 


Bridgecrest has failed to provide the truth and the correct information on where {$12000.00} of my money went and still want money the balance will not be my responsibility. I have put {$12000.00} into the car already and it did not reflect on any of the loan. The company is not reporting charged off to the credit bureaus as i have proof charged off is when they no longer have the account but yet they still do. they are still reporting the repo.