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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation into their legitimacy. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate because I never authorized them. These entries are a direct result of a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the required timeframe.
Product: Money transfer, virtual currency, or money service

I signed up to receive my direct deposits a few days earlier. They are supposed to take what I owe and give me the rest. I owed {$310.00} and they took my entire check ( {$1300.00} ) and never gave me a single XXXX.
Product: Debt collection

I had my credit checked as part of a home mortgage refinance, and received a lower credit score due to a new debt that was associated with my name and social security number. The debtor is lisXXXX XXXX XXXX XXXX XXXX XXXXd the creditor is XXXX XXXX XXXX XXXX. I called Credence who informed me that someone illegally opened an account with my name and social security number in XX/XX/2020 and now has a debt due of {$1000.00}. This is a case of identity theft as the account was not opened with my knowledge or authorization. I do not know how my name and social security number were stolen. The person I spoke with at Credence gave me the following information on the person who opened the account : # XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Credence has sent me a Fraud Packet that I have filled out and sent along to XXXX XXXX XXXX XXXX for resolution.
Product: Debt collection

Total Visa credit card I had gotten behind and it became a chargeoff account and I paid the settlement in amout of {$420.00} total need to.remove.this account XXXX XXXX XXXX is not in business no more. This account belongs total visa and they need to remove the entire account from my credit report.
Product: Debt collection

I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

There was a fraudulent purchase on my XXXX/citibank credit card account. XXXX credited my account and sent me a new card. XXXX has yet to restore my credit rating. The unauthorized purchase led to a XXXX  day late that should have been removed from credit report after the investigation ruled in my favor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account two months ago, and they assured me that they would remove it from their records. It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. 


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

I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the XXXX  Information Penetrate.
Product: Vehicle loan or lease

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$4000.00} {$5300.00} They are charging all these interests and rising my loan amount on purpose and they have already repossess my car.
Product: Credit card

I signed up for a JcPenney credit card because they claimed to give you 25 % off your first purchase. I received my bill and did not receive 25 % off so i called and spoke to a supervisor, she processed a ticket, and said i will find out the status in a couple of days. I still have not received a discount for my first purchase. This was false and deceptive advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting my mortgage account as delinquent to the FHA ( I have an FHA loan ). 

I'm applying for a cash out refinance to perform some needed house repairs and have been declined 3x due to Wells Fargo not updating their bureau. 

The latest is a report of {$3900.00} in delinquent payments, though I haven't been late. 

This has not only cost me time with a house in deplorable condition, it has also cost me a full percentage point and tens of thousands of dollars in future interest charges. 

Please assist. You are welcome to reach out at the information below. Thank you! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I noticed I had a collection with CKS Prime back in XX/XX/XXXX. I did not ask to settle I paid in full the amount due which was {$640.00} on XX/XX/XXXX. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. It has caused financial hardship since we are purchasing a house. I have emailed, called, and sent a certified letter. My response was I should contact another company because they bought it. I paid CKS Prime and they are the ones reporting this to my credit reports ( XXXX, XXXX, and XXXX ). Please have this company remove this inaccurate information immediately. I will attach proof of where it was paid and even a receipt emailed to me from CKS showing the balance due is XXXX.
Product: Credit reporting or other personal consumer reports

A couple of months ago I recived a phone call asking me to pay an amount that I did't have so we came to an agreement that I would make ( 3 ) payments. One on the XXXX XXXX, XXXX XXXX and the last payment on XXXX of XXXX. On the XXXX of XXXX my credit XXXXXXXX XXXX lost XXXX points from a late payment that was not late from Credence out of XXXX, TX. I was told in the phone that if I made the ( 3 ) payment my credit would not be effective. Well that was lie, on XXXX XXXX the XXXX account also lost XXXX points. This company is horrible they lie this was an XXXX XXXX account I was being charged for XXXX for just TV service. To be lie to and have the my credit impacted I would have just waited and asked 60 % reduction in the cost and negotiated the removel of the bad credit.
Product: Mortgage

My husband and I had our identities stolen. In the course of dealing with this my husband was temporarily laid off from his job and I am XXXX. This was all taking place from approximately XXXX through XXXX. We had over {$7000.00} stolen from our checking account. I contacted FNB where I was referred to XXXX as she was the representative dealing with our mortgage. I explained the situation we were in to her and told her I would do my best to get caught up over the next few months. She recommended that I fill out there mortgage assistance package to give us time and/or assistance which I did and we were ultimately denied assistance. I was making payments on the account and assumed they were still working with me since when I spoke to an agent in XXXX and he checked with XXXX who was to busy to get on the line with me, he said that as long as I kept making payments she wouldn't proceed with a forclosure. Then on XX/XX/XXXX the Shefiff came to our home to issue us a notice that our home was up for sheriff sale on XX/XX/2023 I immediately called FNB mortgage services and spoke to XXXX who said that XXXX was supposed to stop the paperwork from going to the attorney, but didn't. He said he would get a message to her but that I could disreguard the notice as long as I continued to make payments everything would be fine. He also said that a call would be made to the attorney to let them know that I was making the agreed payments. My husband had to have XXXX  XXXX in XXXX. We were able to make a hardship withdraw from his annuity so we decided to take enough to just pay off the mortgage. I called to get a payoff on the mortgage and after several agents and almost a week of waiting I spoke to XXXX who said XXXX was off on medical leave so he was working on our case. He sent me a payoff quote that included legal, collection and late fees totaling {$4000.00}. I think this is completely unfair since I was told that as long as I was working with them everything would be fine and now that we're paying the loan off there are suddenly all these fees?? I did go to a branch where I had to wait for almost 30 minutes till the teller could get the mortgage service department to lift a restriction on the account so I could make the payment. I paid {$85000.00} directly on to the principle to avoid futher interest till I could contact someone for assistance. I got a call the following morning from XXXX who told me that I could not put the whole amount on the principle. I told her that I could put whatever I wanted on the principle and she replied that they wouldn't release the deed until all the legal fees were paid. I said that was fine because I didn't expect that they would. She the asked where I got the money to pay off the mortgage and if I sold the home. I didn't feel like this was an appropriate question to ask so I just told her we didn't sell the home. She said she would have to talk to her supervisor about putting the whole amount I paid on the principle and since then I haven't gotten a response.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a debt validation letter to Equifax. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this Medical debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.
Product: Vehicle loan or lease

We got a car back in XXXX. My mom was the main signer and I was the cosigner. My mom filed bankruptcy and the car is still on my credit report. What can I do?
Product: Student loan

I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

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

I am a victim of identity theft. by FCRA LAW you were supposed to remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. it is now XX/XX/2021 and these fraudulent accounts are still reporting to my credit report. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Under 15 U.S. Code 1692e ( 11 ) you reported that i owe a " debt '' but i don't see any accounts that have a negative balance. Every account I see has a positve balance. this is in fact false and misleading. I was under the impression i would be geeting paid because I see positive balances where you say I owe. under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, I find these negative items reporting on my credit report to be very private. my peace is disturbed by you infringing on my privacy.
Product: Credit reporting or other personal consumer reports

Dear Capital One, I am writing to you in disbelief that Capital One would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Capital One irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Capital One furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 1

5 U.S.C. 1681a ( f ) with all attendant legal duties.

To continue denying this legal reality exposes Capital One to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Money transfer, virtual currency, or money service

I am writing this to arise my concerns with Zelle and the way they handle disputes particularly in light of the recent cfpb lawsuit highlighting the issues of this concern. I called my bank which is Bank of America and Zelle immediately after I sent money to the wrong person in 2 instances and they stated they could not do anything about it. Not only that one of the persons who I accidentally sent money to harrassed me even followed me on social media. Zelle neglects consumers and does not protect us. The lack of accountability and empathy raises serious concerns. That month I had to Zelle my friend my rent money that was all I had and someone else got to enjoy my rent money while I stressed and was on the phone with representatives that did not help at all.
Product: Payday loan, title loan, personal loan, or advance loan

Prosper market showing I owe {$75.00} and reporting late pay each month when account is noted as charge off Ive never received documentation per the FDCPA