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

There were about {$7100.00} in fraudulent charges on my Comenity credit card which Comenity did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 Comenity said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Product: Debt collection

I have contacted the company XXXX XXXX about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never  requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
Product: Money transfer, virtual currency, or money service

2019 the {$1.00} was taken from my XXXX account with zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Identity theft reports to experian and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress
Product: Credit card

somebody my id theft and make credit card and used it.. 
but I did not realized that
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called my local branch of Key Bank to inquire about doing a wire transfer. We set up an appointment the next day. We went into the bank and did the wire transfer with the branch manager. NOT ONCE, on the phone or in person did he mention a fee. Had he told me I would be charged {$30.00}, I would have done a cashier 's check!!! 

I chatted online with KeyBank and called their 800 number and both told me I had to talk to the branch. 

So I called up XXXX, the branch manager we worked with, and he was flippant and unapologetic about not mentioning the fee and refuses to refund it. He also wouldn't let me escalate it or even discuss a refund. 

I don't think it's fair to be charged a fee when I wasn't notified in advance. I would have done the cashier 's check instead. It wouldn't have cost me {$30.00}!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance {$1700.00} and XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$230.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

Creditor was notified on XX/XX/XXXX in writing that a {$60.00} store credit for a purchase was not reflected on statement issued for close date XX/XX/XXXX and thereby the total balance due was in dispute. Creditor issued a partial credit of {$69.00} as reflected on statement issued for close date XX/XX/XXXX in lieu of {$98.00}, the total amount creditable inclusive of the interest and fees charged during the resolution process. Creditor did not provide written or verbal explanation for not crediting the full amount due {$98.00} as required. Creditor made clear that it does not intend to credit the remaining interest/fees of {$29.00} when it resumed charging interest on that remainder after making partial correction and refused to respond to subsequent written notices ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), to questions when contacted by phone, and to messages submitted online. 
As of statement close date XX/XX/XXXX, creditor has charged an additional {$17.00} on the {$29.00} amount that was excluded from the credit adjustment calculation for a current total of {$47.00} in interest and fees that I have no obligation to pay as I understand current law. Last written communication dated XX/XX/XXXX again reminded creditor of its legal obligation to address. Note, purchases are typically paid in full by the date due to avoid interest.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX XXXX XXXX & TransUnion. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized  by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to inform express my concerns regarding Zelles handling dispute particularly in light of recent CFPB lawsuit highlighting significant issues with platform
Product: Vehicle loan or lease

Regardless of my tone, I want to say thank you and let you all know that I appreciate you all 's willingness to listen, observe, and correct this matter : As an authorized representative, natural person, beneficial owner, and first lien holder of XXXX-XXXX, XXXX XXXX estate d/b/a XXXX XXXX XXXX-XXXX with a perfected security interest on the birth certificate of XXXX-XXXX, XXXX XXXX, I attempted to conduct business with CARVANA. 

However, CARVANA 's policy forces consumers to use a drivers license for purchase. It seems crazy that this would bother me ; but : the problem is that under the common law, the right to travel is an unalienable right ; and as a natural person, I offered them my right to travel card in place of a driver 's license, which expresses : " The Right to Travel ; The Right to Mode of Conveyance ; The Right to Locomotion are all absolute rights, and the police [ policy enforcers ] can not make void the exercise of rights. State v. XXXX, 60 s. 778, 779, and 781 '' I am using the car as a mode of conveyance for private matters. 

In addition, I offered their legal department my national I.D . pursuant to Title 18 U.S.C. subsection 1028. My National I.D., from an aboriginal government, takes preferential priority over birth certificates and driver 's licences, which are corporate identifications. 

Hear me out : As a XXXX American National, with constitutionally protected rights ; I am entitled to my liberty under the common law ; and CARVANA is in breach of the public trust and international law as it pertains to my rights as a natural, living person. 

Here are the exact breaches : 1. CARVANA 's policy is in breach of Article II of the State of Iowa 's Constitution of XXXX. The state of which my corporation was incorporated in. 
2. CARVANA 's policy is also in breach of the Organic Constitution of XXXX ratified in XXXX. 
3. CARVANA 's policy is in breach of International law pursuant to the United Nation 's Declaration on the Rights of XXXX People, which acknowledges our own forms of identification and the right to self-determination. 
4. CARVANA and it's corporate workers are currently in commercial dishonor as it pertains to the Treaty of Peace and Friendship of XXXX, which allows their foreign workers to conduct commerce here in America. 

Furthermore, I do not consent to the XXXX of my rights. I am not obliged to produce a driver 's license. I also have the proper documentation to live securely with the full faith and credit of the United States of America ; and the UNITED STATES is obligated to secure the common law interests of the people protected by the constitution. 

No matter how many times our constitution was ratified, dissolved, neglected, and abused : First in time, first in right. 

Now : As trustees, I am placing the burden on you all to fix this matter with not only the STATE OF IOWA, but also CARVANA. I'll save the DOT for later. Trust me, this is not only in the best interest of myself, but also all Americans who don't know that they're being abused! I was once ignorant too!
Product: Credit reporting or other personal consumer reports

I submitted a multiple disputes regarding incorrect balance and incorrect account that should be deleted on XX/XX/2024. Its been pass 30 days with no response
Product: Credit card

The bank did not validate this debt based on the FCRA. I do not owe the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED ME. THEY HAVE BEEN DAMAGING MY CREDIT AND HARMING POTENTIAL LOANS THAT I APPLY FOR. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT AND ITS EMBARRASSING BEING DENIED FOR A SIMPLE LOAN. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT.
Product: Credit reporting or other personal consumer reports

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Calvary Portfolio Services has re-aged the debt for   XXXX   XXXX   XXXX   and reporting an inaccurate amount of {$650.00}. This debt has surpass the statue of limitation. This has caused damage to my credit over many years. The payment status on my   XXXX    credit report is listed as " Refinanced or Renewed '' The original creditor is   XXXX   XXXX   Nevada the date of m y 1  st late p ayment is well ov er 7 yea rs. Calvary Portfolio is using illegal collection practices.
Product: Credit card or prepaid card

My statement was created on XX/XX/2020 with a due date of XX/XX/2020. I logged into my account and submitted payment on XX/XX/2020. However, when trying to find the actual amount I wanted to pay over the minimum required for the payment terms I have with XXXX, I noticed that on XX/XX/2020 the credit company already assessed a {$27.00} late fee to my account ( 2 days before even my due date ). I have requested the fee be removed, but no response & can't get ahold of anyone on the phone. 

Additionally, when I purchased the XXXX XXXX through XXXX, I selected the 24 month 0 % financing offer. However, when entered into my account at TD, they put 6 months down. I have called numerous times and sat on hold for literally hours with no one picking up.
Product: Mortgage

I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. 
I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, LEXISNEXIS. I mailed a letter to LEXISNEXIS asking them to provide me with proof on how they aquired information about a bankruptcy they have listed on there comsumer report in my name. I have not received any information about my inquiry.
Product: Debt collection

I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.
Product: Debt collection

we keep getting phone calls from this company on our cell phones. They leave voice mails threatening that a process server will serve papers at my home or place of employment which is of course a threat of legal action. This company does not have a surety bond registered with the Texas sec state and therefore is violating Texas law by operating in the state of Texas. They are further violating FDCPA by making false threats of legal action. We have no outstanding collectable debts. We recently purchased a {$600000.00} ranch and a {$25000.00} vehicle and opened two credit cards with different banks. We get monthly credit reports and just three days ago spoke with XXXX. If there were anything owed we would know about it. Which means this company is a total scam. I have filed a complaint with the Texas AG and with XXXX and when I'm done with this I will contact the Texas Sec. State and file complaint with them. The company in question is Future Judgement Solutions, aka : FJS Global Collect, aka : FJS. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX WY XXXX and their phone number is XXXX but they called me from XXXX which is of course a spoof number which was the first indication I had they are not legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have XXXX  days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX