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

I have been a victim of identity theft. I filed all the correct paperwork according to the FCRA and disputed these accounts. The paperwork has not been filed correctly and not processed according to the FCRA. I also have asked for copies of the verification process and not gotten them. 

These accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Card co. is reporting me as 30/60 days late in XXXX XXXX. This is incorrect. I was a victim of fraud, my card was lost and used by unknown person. At the time my balance was {$0.00}. I was told I was not responsible for these charges. Investigation found in my favor. Card Co. reports me as late, these were not my charges.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I submitted a complaint through the CFPB against this company in XXXX, 2023 regarding a debt that was previously adjudicated through my credit card. I was advised by the company, through this website, that my account was closed. 

Today, XX/XX/2023, I received written notice from the company regarding same debt. When I attempted to dispute it online, as the letter said I could, the website directed me to call - I have no idea why they say disputes can be completed online when all their site does is refer people to call. 

I did call, was not able to understand the persons name, but the call was placed at XXXX EST. I provided the account number on the letter and was advised that the company was told XXXX week ago not to contact me ( this is not true - I received notification in XXXX this was over ) They are still trying to contact me after saying they would stop - she assured me I would not receive anything else, but they did that in XXXX. This needs to stop. The debt was already adjudicated.
Product: Bank account or service

I had a personal company check double cashed the first time by my ex wife ( XXXX ). I let Wells Fargo know I had done a mobile deposit of the check and ex wife took the physical check and redeposited it. Wells offered me a new account and told me it would not happen again. I let them know she may have other physical checks where I mobile deposited them. Wells assured me that with a new account, new card protection etc this would not happen. A year later another check from a vendor XXXX deposited in my name was returned to my account since she no longer banked with Wells Fargo. I contacted her bank and let them know of the fraud ( XXXX ) who indicated the check did not come back to them ( She undersigned her name ). Wells refused to look into the matter, claimed I should have destroyed the check again which I did not have access to and had explained they said I was protected. The check was in my name but she deposited via ATM into XXXX. The vendor ( XXXX ) wrote a letter also asked Wells to look into the matter and correct it. I have spent over a YEAR trying to get funds back Wells took from my account that was not supposed to happen again.
Product: Bank account or service

THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX
Product: Consumer Loan

I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt i owe them. Each of my credit reports shows different information and they continue to show an open Charge Off. I have disputed directly with no follow up or information given. They continue to report every month. I have disputed with the XXXX major credit reporting agency and they continue to report every month. None of the information they are reporting is correct because none of it can be verified. I want Santander Consumer to remove all traces of there collections claim from the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. I also want in writing that this issue has been resolved as Santander Consumer based on research and Class Action suits brought up against them and won, will continue to pursue debt that is not theirs to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow me to view my credit report online. In 2019 I asked them a couple of times to remove a collection from my account. I even hired a third party The XXXX XXXX  to help with the process. When Transunion would not respond. I had a lawyer send out a letter demanding they remove the collection. 

Once Transunion removed the collection they are making me only able to receive a credit report via mail. When I called them and asked them why was this the case. They told me because I violated their policy by having a lawyer contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in GM Financial 's customer account portal. GM Financial claims they are reporting correctly yet XXXX, XXXX, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see GM Financial reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of XXXX, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in XXXX and XXXX. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, XXXX, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.
Product: Debt collection

NCB Maganement Services , Inc. claims I owe them {$60.00}. I have asked for validation of an account from them showing I have a signed contract with NCB. So far, they have not provided me with any such document. Further, NCB has continued to report negatively to the credit bureaus, damaging my ability to obtain new credit.
Product: Debt collection

XXXX XXXX called me 8 times between XXXX am on XX/XX/year> XXXX financial XXXX 6 times on XX/XX/year> Westlake financial almost daily calls an obsessive amount of times.

I voluntarily called to have my vehicle picked up. They called every day multiple times a day no matter how many times I answered and explain. It took almost XXXX weeks for them to pick up and they repeatedly called through out this process asking for the same info over and over and over again. Multiple times a day. 

Last I spoke to them on XX/XX/year>. The vehicle was picked up they would call once vehicle was auctioned but in the mean time they confirmed these same collections tactics would continued to be used until then.
Product: Credit card or prepaid card

I have a DirectExpress card. I receive my SSDI on the third and my XXXX son 's receive SSI on the XX/XX/XXXX. All three go to the same card. When I used the card on the XX/XX/XXXXit was fine. When I went to withdraw from the card on the XX/XX/XXXXto pay my rent and utilities ... I was unable to use the card. In fact the message I received was that I was not an authorized user. I thought perhaps it was a glitch so I attempted to use the card at a store where it was denied. I then called the number on the back to obtain my balance and was immediately sent to a recording and placed on hold for over two hours and then hung up on. This has happened multiple times over the last 2 days. Today on XX/XX/XXXX I attempted to withdraw from the card again and received the same message so I attempted to set up an account on their website to find out what was going on with my card only to be unable to do so. The card is completely locked and the website states that all my information is wrong. I have attemped to contact DirectExpress countless times at all hours, I have contacted the bank Comerica Bank that issues the cards ( only to be told they have no access to the accounts ), I have contacted the XXXX XXXX XXXX, and am now contacting you. I have literally reached a dead end and have no idea what to do at this point. I currently have a call into my governor, congressman, and my attorney as I genuinely feel this may be a case of internal fraud. The fact that they are failing to contact me back and are continuing to hang up on me only feeds that belief. It is my hope that filing this complaint will help resolve this issue in a timely manner.
Product: Debt collection

My name is XXXX XXXX.. A company called Phoenix Finacial services has reported somewhere around 15 old medical bills as new debt delinquency on my credit report when all of these bills are from XXXX and XXXX..My credit dropped nearly 100 points! I tried contacting them and they were nothing but rude and XXXXXXXX My next step is to file a law suit.. These r the amounts and dates.. {$1200.00} XX/XX/XXXX. XXXX {$1300.00} XX/XX/XXXX XXXX.. {$1300.00} XX/XX/XXXX XXXX.. {$270.00} XX/XX/XXXX XXXX.. {$1200.00} XX/XX/XXXX. {$320.00} XX/XX/XXXX XXXX.. {$1100.00} XX/XX/XXXX. {$280.00} XX/XX/XXXX XXXX.. {$460.00} XX/XX/XXXX XXXX.. XXXX XX/XX/XXXX XXXX.. & XXXX XX/XX/XXXX XXXX.. {$1200.00} XXXX.. Some are even on there twice! My # is XXXX if anything else is needed.. What they are doing is elegal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax with the problem and nothing has been done about it
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to lodge a formal complaint against Experian regarding their continued refusal to remove fraudulent information from my credit report. The fraudulent entry pertains to XXXX XXXX  account # XXXX. Despite multiple notifications and the provision of supporting documentation, Experian has failed to address this issue adequately.

Details of the Complaint : 1. Initial Dispute and Supporting Documentation : o Date : XX/XX/XXXX o Action Taken : I submitted a dispute to Experian regarding the fraudulent XXXX XXXX  account # XXXX on my credit report. I included an FTC Identity Theft Report ( FTC Report # XXXX ) to substantiate my claim of identity theft. 
2. Follow-Up Action : o Date : XX/XX/XXXX o Action Taken : After receiving no resolution, I reached out to Experian again, reiterating my dispute and re-submitting the FTC Identity Theft Report. Despite this follow-up, Experian has not acted on my request. 
3. Current Status : o Elapsed Time : More than 82 days have passed since I initiated my dispute on XX/XX/XXXX. The fraudulent information remains on my credit profile, impacting my creditworthiness and causing undue stress. 
Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ) : This law provides consumers the right to dispute and rectify fraudulent information on their credit reports. Credit reporting agencies are required to investigate these disputes and correct inaccuracies in a timely manner.

2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute inaccuracies on their credit reports. Credit reporting agencies, including Experian, are legally required to conduct a reasonable investigation and correct any errors promptly.

o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This law ensures protections for victims of identity theft, including the removal of fraudulent information from credit reports.

Request for CFPB Intervention : Given that more than 82 days have elapsed since my initial dispute and the fraudulent information remains unresolved, I respectfully request the CFPB 's intervention to compel Experian to : XXXX. Immediately remove the fraudulent XXXXXXXX XXXX account # XXXX from my credit report. 
2. Confirm in writing that the fraudulent entry has been removed and that my credit profile has been updated accordingly. 
XXXX inaction has led to significant distress and financial harm. I trust that the CFPB will take the necessary steps to ensure compliance with both Pennsylvania state law and federal regulations, and to facilitate a resolution to this matter. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX : XXXXXXXX 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 XXXXXXXX Subject XXXX Cease and Desist Demand Regarding Collection Activity Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXX XXXX  XXXX immediately cease and desist all further attempts to collect any alleged debt from me. This letter serves as a notice to your company that I am exercising my legal rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which permits consumers to request that debt collectors stop contacting them. 

I do not acknowledge the validity of the debt you claim I owe, and I am requesting that you cease all communication regarding this matter. In accordance with the FDCPA, I request that you refrain from contacting me in any form, whether by phone, mail, or any other means, about this alleged debt. 

Please be advised that this is a formal request under the FDCPA, and failure to comply with my demand may result in legal action. If you believe that the debt is valid, I request that you provide me with written verification, including a copy of the original signed agreement or other documentation proving that I owe this debt, as well as your legal right to collect it. 

If you have already reported this alleged debt to any credit bureaus, I request that you remove the entry from my credit report immediately. 

Please understand that this request is made to prevent further harassment, and I will take legal steps if necessary to enforce my rights. I request that you provide written confirmation within XXXX  days that you have ceased all collection activities related to this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX please remove XXXX XXXX  for XXXX dollars, this account is not mine. I do not recognize this account at all, this account is fraudulent, I want this account removed immediately someone has used my name and information to open this account in my name and please also please remove XXXX inquiries in my credit report, I did not check my credit report or run it please remove these asap thank you And XXXX XXXX XXXX for XXXX this account is fraudulent it is not mine please remove this account
Product: Student loan

Not able to afford payments.Totaly disabled and under financial hardship and below income poverty level in a tribal estate dispute.Would like to terminate payments under affordable disability cares act.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with capital one thats charged off and I settled for less amount I paid this account off in XXXX of XXXX with an agreement that capital one inc. would not disclose any further info to any of the ( 3 ) credit bureaus at all after I paid the full settlement. They had never reported any negative activity since then until XX/XX/XXXX then they all of a sudden reported to XXXX only as of now but sure will end up at XXXX and XXXX  that my payment percentage went from 27 % to 21 % from week of XX/XX/XXXX to XX/XX/XXXX. For almost a full year they reported absolutely nothing! ( As they should on closed account ). And then week of XXXX all of a sudden they take it upon themselves to tarnish my credit ( XXXX ) to be exact. By providing false information to XXXX on an account they agreed to not disclose any new information on after I paid in full my settlement amount on. 
This matter is not to be taken lightly as they are ruining my credit and fraudulently false reporting that I am infact making late payments on an account that I paid off XX/XX/XXXX. This would be equivalent to you paying off your automobile 100 % then your credit union reporting a year later you make two late payments on a paid off car and tarnished your credit XXXX points ( through XXXX alone so far ). 

I have a fully XXXX XXXX XXXX XXXX daughter that was born with a XXXX XXXX Im trying to buy a house for her and I and this happened the same week I applied for a mortgage so any help u can give is greatly appreciated. Thank you and XXXX Bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an alert through my credit monitoring agency stating that Receivables Performance Management placed a debt from XXXX on my credit report. I contacted the agency to gather more information. I asked company 2 weeks ago to provide me with debt validation and copy of signed contract. I have not received it. The debt was owened by amsher compassionate collections previously. The debt was deleted by amsher due to them not being able to verify the debt. The original debt was from 2016 but it was listed as a new debt on my credit report by receivables performance management
Product: Mortgage

XX/XX/XXXX I spoke to Flagstar Bank about my acct # XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX. Due to COVD I could not make my payment, they placed me in forbearance. Since XX/XX/XXXX I receive a call from XXXX XXXX XXXX every month, to the present XX/XX/XXXX was the recent call. Stating this is an attempt to collect a debt, I ask why are you asking me to make a payment in my forbearance? They say they can call to ask for my status, can I pay. I have emailed HUD to get help with a standalone partial. However they tell me Flagstar would be the one to start my application. I want the harrassing calls from the debt collector to stop. They do not offer any help with anything, except asking for payment.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed multiple errors related to late payments that don't reflect my typical payment history.
Product: Credit card or prepaid card

Under 15 U.S.C 1681i ( XXXX ) method of verification, this account is in violation ; it was reported without valid evidence. Also, I had no knowledge of this account.