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

I do not have a signed contract nor any contract with Deville Asset Management. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Deville Asset Management.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I have attached my dispute letter and forms of ID to this complaint for the purpose of verifying myself. 

I checked my credit report and noticed some inaccurate and fraudulent accounts reporting. 

1. XXXX 2. DEPT OF EDXX/XX/XXXXXXXX XXXX These accounts are in violation of 15 USC 1681s-2b. I demand that a reasonable investigation is made and that these accounts be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment with your recent assertions regarding my accounts. I categorically reject these claims on the grounds that you lack any material facts or evidence to substantiate them. Consequently, I urge you to promptly commence a comprehensive investigation into these matters. 

Your assertions have cast doubt upon my financial standing and have the potential to significantly damage my creditworthiness. It is imperative that we resolve this issue swiftly and accurately. 

I demand that you immediately challenge these accounts and furnish me with clear, documented evidence to support your stance. Failure to do so will compel me to seek legal recourse to safeguard my rights and rectify this situation. 

XXXX XXXX and XXXX XXXX. 

I trust that your bureau will adhere to the principles of fairness and accuracy in addressing this matter and that you will treat my concerns with the gravity they deserve. I anticipate a timely response and a commitment to conducting a thorough investigation into this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.
Product: Debt collection

I contacted Franklin Collections on XX/XX/2019 about an item showing on my credit report. In the phone call, that I have attached to this complaint, I advised the collector that I did not know what this item was for and that it was the result of identity theft. 

Per the brady decission, a collection agency is to record a dispute, regardless of how they receive the dispute, and answer the dispute and mark it as disputed on their credit report. This is further required by the Fair Credit Reporting Act. 

In the call, the collector refused to mark my account as disputed, despite receiving a clear verbal dispute, and demanded I complete paperwork in order to answer the dispute. This requirement is in clear violation of the Brady Decision. Further, because there is paperwork, it seems that this goes beyond just a collector violating the law, but an industry practice on the half of Franklin Collections for which they should be liable for. 

As I clearly outlined the dispute and Franklin Collections engaged in practices to suppress my consumer rights, and they are clearly liable, I have obtained an attorney to pursue a lawsuit against Franklin Collections and the collector individually. 

It is clear that the CFPB should initiate an investigation into this matter as well as an audit of Franklin Collections to ensure they are complying with the law.
Product: Debt collection

This guy named XXXX XXXX his phone number is XXXX said he was calling on behalf of XXXX, but when we called them they knew nothing of me or them. they told me to contact the ftc. This man said he would have me served with a warrant and taken to jail if i did not pay him. I had never heard of this company or this guy, yet he said there was a court case against me and said if i did not pay him that he would take me to jail from work. We contacted our lawyer and he said a lot of clients had been getting calls like this and to report it as fraud. 
This person threatened my wife, my mom and my brother. 
These people somehow have my job information, my address and my family member names, and they will not send me any information whatsoever on who they are or who they represent. I ask for information and they yell at me and tell me that unless I pay them they will take me to jail. I said that I do not know of them and want proof they are not a scam, then they get louder and more threatening and hang up on me. 
This company that they say i owe money to never heard of me or them. they told me to report this. I hope that these hateful people are prosecuted. Very awful that they call you and make you feel like a criminal and yet they are the criminals.
Product: Student loan

I need some information about the predatory lending that went on with XXXX XXXX XXXX. I have never heard of a XXXX degree that cost XXXX. When applying at another college they would not accept most of my credits. My credits will not transfer..
Product: Money transfer, virtual currency, or money service

Money was sent but never received from XXXX XXXX two payments of {$450.00} on XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ( XXXX XXXX XXXX ) XXXX Social Security Number. ( XXXX ) Consumer Date of birth ( XXXX ) looked at my Full Equifax credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXX XXXX XXXX XXXX Amount {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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: Debt collection

This debt is not mine it belongs to XXXX XXXX I spoke to some one in the debt collector and explained that I have identity theft and they care less about it the person. Said its your debt and i responded that is not my debt never made business with this management and it needs to be remove I had request to remove since XXXX  and it nearly just came back
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  as the XXXX XXXX is to ensure maximum possible accuracy is being followed by law. If the credit reporting agencies after several attempts is not correcting the reporting then the FCRA act isnt being followed. I keep providing monthly screenshots of errors and inaccuracies from my recent credit reports and your response on the CFPB is to continue to notify the credit reporting agencies to correct the matters which they are not correcting and are responding the information is verified. There are STRICT GUIDELINES that XXXX XXXX following as the DATA FURNISHER you cant keep blaming the credit reporting agencies! This isnt how the LAW WORKS. The tradelines need to be removed from reporting or monetary damages need to be paid for the injurious damage to my credit report. Here are this month screenshots of the continuous damage being done to my credit. This is now my fifth request through the CFPB to correct these matters.
Product: Debt collection

I received a letter dated XXXX/XXXX/XXXX, indicating that I was eligible to receive a 50 % discount of the debt and have the debt deleted from my credit report. The original debt is {$3000.00} ; discounted is {$1500.00}. I responded on XXXX/XXXX/XXXX, the due date as indicated on the letter, by phone and was told that they would not speak to me and that I had to send an email to " XXXXXXXXXXXX ''. I requested a payment plan and offered to pay {$35.00} per month beginning XXXX. 

On XXXX/XXXX/XXXX, I sent a follow-up email as I had received no response. 

On XXXX/XXXX/XXXX, I received a response indicating that I owed the entire balance of over {$3000.00}. I responded back immediately and asked them to review my initial email. 

On XXXX, I received a response indicating I owed the entire amount.
Product: Debt collection

I have disputed this item not being my debt in which the credit bureau had removed. Now i am seeing it back on my credit report. Please assist me on removing this item off of my credit.
Product: Vehicle loan or lease

On or about XX/XX/2022 I received a letter from XXXX XXXX, XXXX XXXX XXXX, advising me of a car that I was supposedly co-signed for. For a whole month I tried calling them to get the information about this car, however still no one called me back. I then called and spoke with the receptionist who allowed me to speak to a lady by the name of XXXX XXXX. I explained to XXXX that I never co-signed for no one, she said that they had my signature. XXXX said that she was not the one who was handling the case and that she would have that person call me. As of today, XX/XX/2022 I have yet to hear from that person. However on XX/XX/2022 I received a copy of the contract in the mail, and as I said I did not sign anything, the signature is not mine. I then called the bank, New City Funding, who told me the same thing it is my signature. I told them that it is not my signature and they said it is a civil matter and I needed to take it up civil court. In the past I did buy 2 cars thru them and paid them both off I asked them to look at the signature on those two loans. I asked them to send me a copy of those contracts and I guarantee them the signature is not the same. The signature on this loan, # XXXX is absolutely positively not mine.
Product: Checking or savings account

Wells Fargo has charged me over 1200 in Overdrafts in just 3 months. They would charge overdrafts on pending items, when cash was deposited same day. They would then hold checks whenever they felt like it. Then they started calling me daily on paying overdrawn account because I refuse to pay it. They have overcharged me an excessive amount of fees and I got tired of it. Since leaving that bank I have not been charged any fees or overdrafts as i have had direct deposit. The amount in over drafts of XXXX on some low dollar amounts is ridiculous also you can not charge OD 's on pending items which they did again and again I kept all the screen shots and emails with them. Then they would call and harass 10-12 times a day excessively Wells Fargo can stop calling me 10 times a day regarding my overdrafts. To date I have been charged a little over 1200 in fees from Wells Fargo and you harass me for overdraft at XXXX. You already profited over 800 on my account and that is a rip off. I will be sending all of this to the CFPB and printed it all out for them so they can see the 20 calls a day and how Wells charges and made it difficult to do anything having so much money charged and the small items I was charged XXXX. XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the Zelle platform. Even after 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 tracking the transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system and take advantage of people by leaving them vulnerable to scams. The lack of accountability and transparency is unacceptable and concerning and raises issues about consumer safety.
Product: Debt collection

This account was originally XXXX XXXX XXXX XXXX XXXX however was sold off to Jefferson Capital Systems. Jefferson capital is listing themselves as the originator ( XXXX XXXX, should be the originator reporting ) when they are not supposed to do so. I've received numerous calls and have asked them to take me off of their lists of calling. They continue to send me letters in the mail and call me. 

Loan # XXXX ( through XXXX XXXX )
Product: Mortgage

I purchased a home from XXXX in 2006, and Universal American Mortgage XXXX handled the mortgage. I recently became aware that the second mortgage principle balance was not being reduced much, and that the mortgage was structured as a " balloon ''. The second mortgage is a 15 year loan, so I thought that after 9 years worth of payments ( 60 % thru the loan period ) that my outstanding balance would be approximately 40 % of the original loan amount XXXX {$72000.00} XXXX. Unfortunately, my balance is $ XXXX XXXX 93 % of original loan amount ). We were able to refinance the primary mortgage under HARP after the loan was foreclosure-bound due to the annual rate escalations. 

My wife and I feel we have been taken advantage of ( robbed XXXX by Universal. I did n't realize that 14 years of payments would total $ XXXX ; only to still owe an additional $ XXXX XXXX $ XXXX total ) on a loan amount of {$72000.00}. Is this fraud?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX dob:XXXX SS # XXXX, I have call the credit reporting agency ( equifax ) several times and even sent certified letters to them informing them that I have inaccurate information reporting on my credit report.Everytime I call they always tell me that it 's nothing they can do while rushing me off of the phone, my problem is that I have 6 hard inquiries on my credit report that I was totally unaware of until I pulled my files, im now taking the necessary procedures to getting these unauthorized inquiries removed from my acct, these hard inquiries need to be removed promptly as they are making it hard for me to accuire credit These are the inquiry 's that I would like deleted/removed from my report to show my true credit worthiness, thank you so much INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.
Product: Money transfers

I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). 
Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID XXXX XXXX