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

I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however Experian & XXXX  will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.
Product: Debt collection

Collins Asset is attempting to collect on a debt that was removed and discharge from my credit over 8 years ago however the home was fourclosed over 10years ago. This loan was a 80/20 lo an and serviced with  XXXX   XXXX  and sold many times  XXXX ,  XXXX  and  XXXX  attempted to negotiate with me.  Collins Asset i s now taking me to court stating that they accelerated the loan.
Product: Debt collection

After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.
Product: Debt collection

I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. 
When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. 
It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).
Product: Credit card

My daughter name put on my account. She has never been on my account and they refuse to take her name off this account.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX ACT # XXXX due to an inaccuracy of information and XXXX denied to follow up and throroughly investigate. I came across a recent article about the CFPB having a lawsuit pending against XXXX ; This which They allege the company of accepting unreliable information, failing to notify and give accurate and thoroughly investigated consumer dispute results. All of this aligns with my current problem i have with XXXX, as XXXX has not attempted to remove or thoroughly correct any of the information on my consumer report .I 'm requesting that this derogatory remark be removed as this is has been a major impact on my chances of getting a house, credit card, car, etc. XXXX has violated my rights as a consumer as well as federal laws.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account capital one account, nelnet, and capital one auto account, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B :
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im XXXX trying to further my XXXX XXXX XXXX  this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to equifax XXXX and XXXX they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal. This is a nightmare. They have been in violation of the FCRA and CFPB under 15.U.S.C 1681 604 the right to consumer privacy. Please remove this from my credit profile.
Product: Debt collection

On or about XX/XX/XXXX, I was issued a loan from Loan Me Inc. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


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

I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Product: Credit card

Take a look at the attached documents. I urge the bureau to start an investigation into these accounts, as I am never tardy, but they are erroneously reported as late.
Product: Mortgage

OCWEN, loan # XXXX refused my paments, then they pushed for forcloas a year later, which is now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with your company ( cdpb ) on XX/XX/18 case number XXXX and XXXX XXXX agreed to update my credit report and remove the charge off from all credit bureaus. TransUnion was the only one reporting charge off. TranUnion removed the charge off status in XXXX and placed it back in XXXX. When I contact them they stated XXXX XXXX told them to report it as charge off again. This has caused me problems I am trying to refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX  TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3200.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Mortgage

Loan was TRANSFERRED BEFORE LOAN MODIFICATION BALANCE REDUCTION was DONE WITH XXXX XXXX XXXX! Have to honor per your letter value is {$470000.00} you keep saying was done wasnt WAS TRANSFERRED WHILE IN PROCESS THEN TRANSFERRED! READ!
Product: Mortgage

I have been waiting for months to get a mortgage assumption package transfer under my name and the bank keep asking over and over for the same documents without a final decision. I dont know what to do anymore, this is very stressful and frustrating. I have been waiting for a response since XXXX, 2022 without even knowing what the end result will be.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX XXXXn my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been experiencing fraud activity across multiple channels of my account and notice I had two inquires added as I get alert when there is a change in my report. Please have the below inquires removed from our report immediately as they are not recognizable or valid. XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount
Product: Checking or savings account

I opened a checking account in XX/XX/2023. I set up semi monthly direct deposit totaling a {$1000.00} per month. It was deposited every pay period through the end of XX/XX/2023. I later found out the bank closed my account between pay periods. They then used this as a rationale to deny a {$300.00} bonus I had earned. The bank closed my account in between pay periods and then open it again with the next direct deposit. I found this policy to be unfair to consumers. Most consumers use their funds in between paychecks. I was not overspending or over drafting the account, I simply used my funds to pay my bills in between pay cycles. I feel penalized for this. I entered into an agreement to open an account with a promotion in good faith and Citizens policies are in a bad faith.
Product: Credit card or prepaid card

A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXX XXXXXXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7.

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed. 

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXXXXXX XXXXXXXX
Product: Vehicle loan or lease

The amount that is listed on my credit report is incorrect for the DBS financial loan opened XX/XX/year>
Product: Payday loan

I have received multiple messages from " XXXX XXXX '', Process Server, stating that they have a certified notice of intent to serve papers on an outstanding debit. I know this is bogus because I do n't have any of these. He stated he will be at my home between XXXX-XXXX tomorrow so have ID on hand, put up dogs and remove guns from premises. I spoke with the police department on this.. they confirmed it was a money scam on a former pay day loan, and the phone numbers were from burner cells. Same person has called back using name " XXXX XXXX '' XXXX Now we have a XXXX XXXX who is also XXXX XXXX and XXXX XXXX XXXX 

Calls are coming from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have written transcripts and phone calls if desired.
Product: Credit reporting or other personal consumer reports

I contacted Transunion to get my credit report, in XXXX of XXXX, and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I have contacted them by phone several times explaining that is in violation of the FCRA
Product: Credit card or prepaid card

I am being scammed by a fake XXXX XXXX charge on my Costco Citi/Visa Card that shows up monthly, apparently through a digital wallet. I am not and have never been a member of XXXX XXXX, and I do not use a digital wallet. This is part of an elaborate scam. I closed my card down and the fraudulent digital wallet was able to update the new card information automatically, continuing to charge fake XXXX XXXX charges. 
My credit card company has refunded those charges and now after the third fraudulent payment finally cancelled the mobile wallet account. 
However, they refuse to tell me where this money is being transferred to. This is is information they have but they won't share. I would like to report the scammer to the police but I have no information other than the date of charge. It lists " XXXX XXXX '' and the XXXX website, but XXXX hasn't made this charge. Where is it going to? How are consumers supposed to find out? My complaint is that credit card companies do not release that information, allowing scammers to continue their work with impunity.
Product: Debt collection

continuously calling relatives and harassing them about an old car that I owe that have already been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan was opened on XX/XX/, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
Product: Debt collection

I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently. They are collecting and damaging my credit for an account that isn't mine. 

The amount of the debt is reflecting {$450.00} on a loan. I have never taken out any loans and the balance continues to update and increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not remember my password to log onto " Myequifax.com '' account, so that i could temporarily lift a credit freeze, so I changed the password following their steps. When i tried to logon after the password change i was not able to and was directed to call their XXXX number. When i called the XXXX number the customer rep told me i would have to mail them a copy of my drivers license and Soc Sec card to them in order to get the freeze lifted. 

Equifax is the company that had over XXXX XXXX credit records stolen from ; and now they want me to give them photocopies of my personal information! What?!!! I don't trust them with the info they now have and they want me to give them more?? The customer rep told me this is the only way to get a freeze lifted when Equifax is not able to verify that I am truly myself and not a identity thief. 
There must be some other way of verifying my identity other than mailing Equifax copies of my drivers license and Soc Sec card. 
Thank You
Product: Credit card or prepaid card

I made a {$16.00} transaction on my Chase debit card ending in XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX under the terms of a 20 % cash back Chase offer expiring XX/XX/XXXX that I added to my card. In accordance with the terms, I paid at the pump with the physical card. 

The transaction posted to my account under the anomalous " description XXXX XXXX MA XX/XX/XXXX also known as XXXX. '' The merchant name is not listed and is instead replaced with the merchant location and date of transaction. 

I have reached out to Chase customer service on multiple occasions through the online secure message portal and by phone. 

On XX/XX/XXXX, I inquired about the status of the offer and was informed by XXXX that I would " receive statement credit within 14 business days. '' On XX/XX/XXXX, I re-inquired and was told by XXXX that " we are unable to help you with your request through email '' and I was asked to " call us at the number on the back of your debit card. '' I subsequently made a call to Chase customer service by phone and was told that a ticket would be opened. 

I received a letter in early XXXX with a single sentence asking me to call customer service to discuss this problem. 

On XX/XX/XXXX, I called Chase customer service by phone and was told the information I had already provided was not available. I was asked to state the problem again and was assured that the ticket would be re-escalated. 

I received a letter dated XX/XX/XXXX stating that " we are unable to locate any offer for this merchant '' and was asked to " provide us with a screenshot or copy of the offer through Secured Messages at Chase.com. '' On XX/XX/XXXX, I submitted the requested screenshot and was told by XXXX that this " requires the expertise of another team '' and to " call us at the number on the back of your debit card. '' I am appalled that it has taken nearly three months in this ongoing saga to receive a small credit in accordance with the terms of the offer that Chase advertised. Having fulfilled the terms of this offer in full, I have been made to endure an insufferable game of passing the buck to no avail. Each person is happy to give me the runaround and kick the can down the road with no solution in sight.