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

TO WHOM IT MAY CONCERN, IM NOT PERFECT BUT I WAS XXXX XX/XX/2016 AND I SEE WHERE SOMEBODY WAS USING MY NAME TO GET FUND FOR COLLEGE AND GO TO SCHOOL. I NEVER ATTEND COLLEGE IN LIFE MY AND IM NOT SAYING COLLEGE IS BAD BUT I DIDNT GO TO COLLEGE AND HOW CAN I ATTEND COLLEGE WHEN I WAS XXXX XXXX AT THE SAME TIME SOMEONE WAS USING MY NAME. THESE ACCOUNTS IS ONLY SHOWING UP ON MY EXPERIAN REPORT MAYBE THIS IS A MISTAKE/WRONG PERSON BUT WHAT I DO KNOW THIS IS NOT ME THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  XXXX NA Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report I did not consent nor did I benefit from the following accounts. They are fraud and please remove immediately. 

Yours Sincerely, XXXX XXXX
Product: Credit reporting

I am filing a complaint about Equifax because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Equifax responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my credit due to identify theft, Ive submitted more than 3-4 documents each time supporting & XXXX  id the only one who wont remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all required documents that indicating it was mistake regarding my late credit card payment report, but Experian intentionally delay processing my request and refused to make change == those documents includes : Letter from credit card company Legal letter from my lawyer most updated credit card statement
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The original debt was owed to XXXX XXXX, XXXX. Hes located in XXXX, CA. He did a root canal for me in XXXX of XXXX. I made the first payment but missed the next because I was in a car accident. I received a notice from Rash Curtis and Assoc in XX/XX/XXXX that they were now assigned to collect the debt. I mailed a request to verify the debt shortly after and never got a response. On XX/XX/XXXX I logged in to my account on Rash 's website. The total amount owed was {$840.00}. I then paid that amount in full. My account showed a balance of XXXX  dollars and XXXX  cents. The total amount owed was paid in full. I have included the receipt that shows the {$840.00} was paid in full. Within weeks of paying the debit in full I received notification of a second amount, also {$800.00} that was owed. I only had one root canal, not two. An additional {$800.00} should never have been added on. The whole debt was paid in full on XX/XX/XXXX. At that time, the collection account should have been closed. I requested verification of the second amount from Rash via mail, to cover my bases, and got no response. They even put a collections account onto my credit report at the end of XXXX for this additional {$800.00}. It seems like they did that to try and extort more money out of me. This debt was paid in full on XX/XX/XXXX.
Product: Credit card or prepaid card

On XXXX XXXX Synchrony Bank took out the full balance due on my card. I had set this up to be a monthly payment of minimum due. I now have bank fees because i didnt have {$7600.00} to cover the balance on the card they took out of my bank account. I contacted synchrony bank and they told me to contact my bank and have them deny the transaction and they assured me my account was now for SURE set up to be monthly minimum amount due, and my late fee would be waived when i am able to make the payment after my bank clears everything. 
I contacted synchrony bank 2 days later to see how long i need to wait because it still showed my balance of being XXXX due, and i didnt want this to hurt my credit for being late. 
Fast forward to XX/XX/23 1 WEEK AFTER THIS HAPPENED, they now took out the full balance AGAIN!!! of {$7600.00} which has now caused my bank account to overdraft from insuffiencient funds. I contacted synchrony bank and they told me the same thing. I feel like this is some sort of scam of taking the full amount out. I know for sure the same thing happened to someone else we know who also used this promotional 0 % interest for sleep number bed and was approved for the same card. The SAME EXACT thing happened to them. Synchrony bank said they arent liable to pay bank fees because it isnt their fault. How is this not their fault??? They took out a full amount not once but TWICE in 1 week!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}, {$280.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit card

Chase is blocking balance transfers on card with XXXX balance, no reasonable explanation provided.
Product: Debt collection

XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated and new information to add to complaint # XXXX
Product: Credit reporting or other personal consumer reports

I am reporting multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning a collection account reported by The Bureaus for an alleged debt originally with XXXX XXXX. 
Violations FCRA 609 / 611 Inaccurate & Conflicting Data The account shows different Date Opened and Date Last Active across bureaus ( XX/XX/XXXX vs XX/XX/XXXX, and XX/XX/XXXX vs XX/XX/XXXX ). 
This inconsistency is unacceptable and violates FCRAs mandate for accuracy and consistency. 
FCRA 623 Illegal Re-Aging of Debt The Date Last Active is falsely updated to XX/XX/XXXX on TransUnion, re-aging the account to appear current. 
This is a violation intended to extend the reporting period beyond what is legally allowed.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of Debt The account is labeled as both a Charge-Off and a Collection, which is false and misleading. A third-party collector can not legally report a charge-
off.

FDCPA 809 Failure to Validate Debt The Bureaus has not provided a signed contract, itemized accounting, or proof of ownership of the alleged debt.

FCRA 611 Inadequate Dispute Handling I previously disputed this debt, and the response lacked any original documentation. 
Continued reporting without proper verification is a further FCRA violation.
Product: Debt collection

In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.
Product: Mortgage

I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.
Product: Mortgage

The County Tax Appraiser did a review on value of my home due to hurricane Ian damage and The County Tax Collectors office issued a refund. Per the Collectors office a refund check was issued to my mortgage broker, Mr. Cooper and check was cashed & cleared on XX/XX/24. I have called my mortgage company Mr.Cooper at-least 2X week and each time is a new excuse. It has been 2 months since they received, cashed and deposited that check into THEIR account but I have not received a refund nor have they posted it back into my escrow. They have been holding my money for 2 months without resolution. Last call to mortgage company Mr. Cooper - I was told check was mailed XX/XX/24. It is XX/XX/XXXX and I have not received that check.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax and XXXX. Please delete the following accounts. 


Account Number : XXXX Date Open : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Exeter Finance accepted multiple car payments from me and provided confirmantion numbers after each transaction. All transactions were cleared my banks however, Exeter finance claimed to not have received any of my payments. During this time of confusion I reached out to my primary bank to have them buy out the auto loan in which arrangements were made. During this process Exeter wrongfully repossessed my car. They also received the pay off check from my bank with the tracking numbers for it which they requested. The representative claimed to not be able to locate the check in thier system. I even arranged a 3 way call with Exeter Finance and my banker from XXXX XXXX XXXX XXXX in hopes of resolving this matter. Exeter was provided with proof that the payments were made on the car and that the funds were removed from my checking for the car. They also were provided with the check numbers and tracking numbers for the pay off check. After, giving them a week to locate the check on their end, I reached out to XXXX XXXX to cancel the pay off check so that I wouldn't be responsible for paying it being that Exeter had picked up my car, had my on time payments and claim to not be able to locate my check in their system. At this point, I just want them to remove ALL late payment claims from all credit bureaus and close this account out ASAP! 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting

I received a letter today from XXXX. The letter states that they put a fraud alert on my report. Now I repeatedly have sent them my XXXX license, My Notary License and my Pistol Permit. Also utility bills. Now I am a snowbird. I own a house XXXX and XXXX. I live XXXX from XXXX to XXXX. I am retired and cant take the cold weather. I purchased a car a bed set and XXXX XXXX while here. I also have XXXX cars reg XXXX. I did not ask for an alert to go on my account. They refuse to even talk to me. Excuse me if they kept there records straight and asked the creditors to verify the info they put on a record I would not be writing to you now. They will not give a phone number where you can talk to someone either. I am XXXX pay my bills and sick of trying to straighten this out.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

Choice recovery has not sent any notification of debt, not a verification or validation letter. Instead, they are upset because I am using CFPB to contact them. I tried to handle this accordingly but whomever is replying to the complaints must be a complete XXXX. Instead I Submitted a request online to XXXX XXXX XXXX as they already have an open investigation into your TCPA violations and deceptive debt collection practices.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the account from XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXXXXXX XXXX Amount - {$7400.00} ; This unverifiable item is in clear violation of FCRA Section 611 a ) ( 1 ) ( A ). I expect this to be done in 30 days from the receipt of this complaint, as stipulated by FCRA 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful non compliance, subject to legal consequences. Additionally I want to make it clear that any action taken by XXXX XXXX XXXX besides deleting the collection will be considered non-compliance. I am invoking my rights under 15 US Code 1681b ( 2 ) AND I am giving clear instructions to furnish my report and delete the collectio. Failure to adhere to these instructions will result in further legal action. Moreover I insist on XXXX XXXX providing written document that provesI, as the consumer have granted explicit permission for your agency to access my consumer file. The failure to obtain consent is a direct violation of FCRA seCTION 604 ( a ) ( XXXX  ) ( A ). This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws.
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 USC 1681. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX  XXXX XXXX, XXXX - # XXXX XXXX. XXXX XXXX, XXXX - # XXXX XXXX XXXX - # XXXX XXXX - # XXXXXXXX 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 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

violating my consumer rights section FCRA section 611 ( A ) ( 5 ) ( b ) ( ii ) Remove XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX 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 these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX open XX/XX/XXXX This account keeps showing back up on my report. this account was deleted due to ID THEFT XX/XX/XXXX SEE attached proof report # XXXX. 

The attached report dated XX/XX/XXXX report # XXXX that experian sent me CLEARLY show this account as DELETED. 

EXPERIAN needs to provide me the method used to verify this account as accurate. 

EXPERIAN keeps updating the date on this account which makes it even worse since it makes it appear that this debt is current. EXPERIAN need stop reporting this ID THEFT account and STOP it from reappearing on my account. XXXX and XXXX do not report this account. 
EXPERIAN stop reporting INACCURATE information.
Product: Debt collection

I first contacted XXXXXXXX XXXX XXXX XXXX. in XX/XX/XXXX about my Discover card going to them due to non-payment. I contacted them and set up a payment plan for three months for {$100.00}. I had to contact them about a week later because my payment plan was not set up right the first time I contacted them. I never received any documentation for XXXXXXXX XXXX XXXXXXXX XXXX. about the debt other than the document stating thank you for your payment it has been processed. I did contact XXXXXXXX XXXX XXXX XXXX. on XX/XX/XXXX, to receive debt validation paperwork from them which I did receive on XX/XX/XXXX. 

When I have talked to XXXXXXXX XXXX XXXX back in XXXX, the employees were rude and were pushy when I didn't agree to anything they stated. Not one of them ever stated about sending me documents about the debt, they only wanted to get money.
Product: Payday loan, title loan, or personal loan

The company is One Main Financial, XXXX XXXX, CA. I got an loan and fell back in the payments. Due to death in family and the loss of wages. I receive up to 5 or 6 calls aday. They are harassing me. Remodifing/Refinancing my loan and extra additional interest fees/ charges. I always a month behind. It is causing me great stress to catch up. The calls are too much to handle. Please assist me on what to do. They are putting a {$260.00} payment on my debit card on the XXXX of XXXX. I needed this money for my household expenses. They wouldn't even defer any payments FOR THREE MONTHS, OR until this COVID-19 pandemic is over. XXXX XXXX XXXX