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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$96.00} Equifax : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  XXXX Account Number : XXXX Amount : XXXX  XXXX XXXX XXXX XXXX : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my records for federal student loans where accessed by D.O.G.E. without my consent in violation of my privacy and FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated the FCRA 605. I have submitted documentation and a police report but they have not removed the fraudulent accounts.
Product: Credit reporting

EXPERIAN IS REPORTING THIS ACCOUNT IN ERROR! THIS ACCOUNT MUST BE UPDATED TO REFLECT DISPUTE UNDER THE FAIR CREDIT XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech has arbitrarily changed my monthly payment due XX/XX/XXXX to include an absurdly high monthly escrow request. This started with an escrow analysis in XX/XX/XXXX which was in error and I immediately informed Ditech of the error. I have sent numerous emails through their internal system, sent faxes to their published fax numbers, and qualified requests to their published qualified request address and have received no correspondence regarding the error and it has not been corrected. 

I made my mortgage payment already for XX/XX/XXXX and it has been received. Unfortunately, Ditech has misapplied it, dividing it arbitrarily between principal and escrow rather than the first to the principal and interest payment due with the balance going to escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

my accounts XXXX account number XXXX date opened XX/XX/XXXX and capital one account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Debt Collection Activity Request for Validation Dear XXXX XXXX XXXX, I am writing to formally dispute the recent collection activity on my account, referenced by XXXX. I have significant concerns regarding the validity and legality of this collection effort and am requesting your immediate attention to address this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of the debt, which includes : The original creditors name, The amount owed, and Detailed information about the transactions related to this debt. 

To date, I have not been provided with this essential information, nor have I received prior communication regarding this alleged debt. The FDCPA mandates that debtors must be informed about their debt and provided the opportunity to dispute it before any collection efforts begin. Your failure to communicate these details prior to initiating collection raises serious concerns about compliance with federal law. 

I hereby request that you : 1. Cease all collection activities immediately.

2. Provide the full validation of the debt as outlined above.

If these actions are not taken within 15 days from the date of this letter, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore all legal remedies available to me. 

I look forward to your prompt response and resolution of this matter. Please ensure all correspondence is sent to the address listed above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone asked me to send them a Zelle and it was a scam and I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Office Of The Atty Gener : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXXXXXX XXXX  : Account # XXXX XXXX XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX : Account # XXXX 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 then 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 or other personal consumer reports

I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX  had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXX XXXX. I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX  using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my XXXX XXXX  away and I can't cash the XXXX XXXX checks at even XXXX or any XXXX union or bank. All require an account and even XXXX has my social flagged due to XXXX XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXXXXXX XXXX XXXX in the case against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The description of videos is proof. One being my XXXX  is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX  XXXX XXXX my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in XXXX  XXXX XXXX
Product: Mortgage

I had a mortgage with Bank of Albuquerque and after paying it off, paid in full XX/XX/2017, they reached into my bank account and took more money from my account ( XX/XX/2017 ). They were in no way entitled to this money and as such this constitutes a theft from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET with no successful resolution. There was definitely an error on their part.
Product: Credit reporting

I have written Trans Union and asked them to remove the incorrect addresses from my reports Date:XX/XX/2016 REF : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence
Product: Credit reporting or other personal consumer reports

Ive noticed some incorrect information on my credit report, in violation of 15 USC 16c-2. This inaccurate data is damaging my credit rating.
Product: Debt collection

I got two letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly 3-4 months after the supposed debt was bought by XXXX XXXX XXXX XXXX I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the three major Credit Bureaus that could affect my credit score until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another two letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received two letters from XXXX XXXX XXXX, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either one of the two accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.
Product: Debt collection

To Whom It May Concern : On XXXX XX/XX/XXXX, I became aware of an erroneous defamatory delinquent collection on my credit file reported by WAKEFIELD & ASSOCIATES in the amount of {$1000.00} which didnt and couldnt possibly belong to me at all and which dropped my credit score by XXXX  points with XXXX. 

I immediately contacted WAKEFIELD & ASSOCIATES at the telephone number indicated on my report, ( XXXX ) XXXX. 

I spoke with XXXX at approximately XXXX XXXX XXXX who informed me that the flagged collection account was from XXXX XXXX XXXX in XXXX, Tennessee. 

I explained to him that I had never been to Tennessee and in no way did I require an ambulance there. He insisted that the debt was mine and I immediately did a skip trace using the alleged address of the person with my same name and age while on the telephone with XXXX. 

At an address in XXXX, Tennessee XXXX. 

I found the individual listed at that address using or having the same name as mine but with two different middle initials. Middle initial XXXX XXXX XXXX' on the one hand, " XXXX XXXX on the other. 

XXXX then told me I would need to contact the sheriffs department and file a report to have them remove the collection account from my credit file giving me Reference # XXXX and to send them a copy of the police report via email at XXXX. 

I hung up but, then I called back minutes later and spoke to XXXX who told me that the XXXX XXXX occurred on XXXX XX/XX/XXXX with a pick-up location of XXXX XXXX XXXX  XXXX XXXX, Tennessee and a drop-off location of XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX. 

I then left my home and went directly to the sheriffs department where I was informed that I would need to contact and file a report in XXXX, Tennessee with the police there as the possible identity theft was not in XXXX XXXXXXXX XXXX XXXX XXXX 

I then called XXXX XXXX, Tennessee police and was informed that I would need to have the XXXX XXXX sheriff contact them because I live in South Carolina. 

How are collection agencies allowed to place derogatory, defamatory, and libelous information on someones credit file? 

Wakefield & Associates should have known or reasonably known that the libelous reporting of an alleged delinquent collection account to my credit file was in error causing serious harm to my reputation. 

I am a XXXX XXXX veteran that suffers with XXXX XXXX XXXX  ( XXXX ) and I dont need this mess in my life. 

I pay my bills.

Kind regards.
Product: Debt collection

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 XXXX XXXX, XXXX XXXX XXXX {$150.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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

A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX Subject : SCAM/FRAUD Dear CFPB Complaints Department, I wish to lodge and official complaint agains XXXX XXXX & Bank of Amercia who did not return my funds or respond to my letters, Fax or E-Mails. 

I am the victim of SCAM/Fraud XXXX USD IRS & XXXX USD for opending my bank account. The following persons were involved. 

XXXX XXXX XXXX, Compliance Mgr XXXX XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX   Partners E-mail : XXXX ( This may not be legitimate ). 
E-Mail : XXXX Given Address most likely not ligitmate as my post was returned " unknown at this address ''. 

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Tel or Fax XXXX XXXX XXXX XXXX Tel. XXXX XXXX XXXX XXXX ( Always busy irrelevant of when I call ). 
Tel. XXXX XXXX XXXX XXXX I have left many messages but no response. 
They did have a web page but this has since disappeared! 

The only address I found the Internet for XXXX XXXX XXXX was dated 2017 It is uncertain if XXXX XXXX XXXX really exist? 

Name : XXXX XXXX XXXX Email : XXXX Organization : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

XXXX XXXX XXXX, New York Regulatory Office ( XXXX ) E-mail : XXXX XXXX XXXX XXXX, IRS International Audit Department E-Mail : IRS.gov.us International Audits Please be informed that I still have once again been unable to contact you on any of the numbers below. 
XXXX XXXX Tel XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XXXX I also left many messages on their answerphone but no response! 

I have requested my bank XXXX XXXX XXXX XXXX on
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights.

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$640.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance ride. The ambulance company failed to bill the insurance company properly and consequently I was charged in error. The account went collections and the money that was due was paid directly to the attorney and the attorney was responsible for getting payment to the ambulance company. This false reporting of a collection, that was not my responsibility, is seriously harming my credit score and needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft I have no knowledge nor was I aware to the fact my personal information was breached as such. Without my knowledge nor consent I would like everything listed below anything negative and or any hard inquiries removed expeditiously, I am literally homeless due to denial for vehicles, apartments, etc.
Product: Mortgage

Customer Service Rept. from Wells Fargo Home Mortgage called and wanted to know why I had filed a complaint against them " Why I DID That '' I attempted to explain to him but his voice kept getting louder and louder. I remained calm and told him I was dissatisfied with the detailed message they had left on my home answering machine. He seem very upset that I had filed a c/o. His tone & loudness of his voice was very frighting, I was afraid to answer the phone when I had next call fearing it may be him calling me back to harrass me
Product: Debt collection

On XX/XX/year> I got a collection notification on my credit from XXXX XXXX. I was unaware of a balance I had with XXXX as I relocated from XXXX to XXXX. So I called LJ Ross Associates XXXX and spoke to XXXX. I told him I was never notified or called regarding a balance. I asked him what was my balance and he stated {$180.00}. I asked XXXX if I paid the balance in full right now will it be removed from my credit report. He stated yes. He also stated verbatim we report to credit bureaus every week on Sunday and Monday. This collection has harmed my credit and is reporting with all bureaus. I did pay the balance but LJ Ross Associates have not removed it from my credit as promised. It reported closed and paid as of XX/XX/year>. I would like them to remove this from all credit bureaus.
Product: Checking or savings account

I asked Chase Bank to send me my account they sent it from XXXX to another state just to XXXXXXXX XXXX XXXX XXXX dollar account with Chase Bank and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have frozen my three accounts in the aftermath of the data breach at Equifax in 2017. Since then, both Equifax and XXXX have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but XXXX and Equifax nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to XXXX today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my equifax account, I had the same issue. I called but couldn't find an option to lift my credit freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX attempt was on XXXX and the XXXX attempt was on XXXX and the credit bureaus did nothing but say my information was verified. There are accounts reporting inaccurate across all XXXX credit bureaus on my consumer report. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit. This has caused me financial injury and defamation of character.