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

XXXX XXXX, XXXX and XXXX XXXX have credit inquires on my report that is not associated with open accounts. I am requesting that they be removed.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX  XXXX XXXX, XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 PayPal - negative {$6300.00} XX/XX/2020 Transfer P PayPal - negative {$6300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$6300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Checking or savings account

I have a cash app card and account and this company called done for brands keeps taking money from my account and I have tried to contact cash app but I am not able to get to someone that I can talk too its just a email. I just want my money back and its frustrating when you dont have an actual person you can explain things too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint that the credit Bureaus ( XXXX, TransUnion and XXXX ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXXt account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account Number XXXX XXXX/XXXX  This alleged debt collection account is erroneous and it is hurting my credit tremendously. I have sent certified written letters requesting Experian to investigate this account. It's been more than 1 year and I still haven't received any correspondence from this bureau regarding this erroneous account. I did not open this account and I want it removed immediately.
Product: Checking or savings account

I filed a dispute for XXXX fraudulent transactions totalling {$810.00} after my debit card was stolen. 

Within XXXX hours, chime denied my dispute claiming no error was made.

As these are fraudulent charges it is chimes duty to investigate and credit my account for the fraud. XXXX hours after I submitted my dispute chime denied it. This is not enough time for chime to properly investigate and they are only denying the dispute to not credit my account. 

All XXXX transactions were from a business overseas. It is obvious that they are fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX On XX/XX/XXXX I called XXXX XXXX XXXX ( XXXX  ) whom my car loan is financed. I informed them I was paying the car on XX/XX/XXXX as I had an emergency expense come up. I was forced at that time to pay {$100.00} as a good faith payment. On XX/XX/XXXX I paid the remaining XXXX which was less than XXXX  days. XXXX  REPORTED ME MORE XXXX  days late on my car payment that month lowering it school and making me ineligible for a mortgage. 

I called the company on XX/XX/XXXX to alert them of this issue and I was told they had mail me a dispute form. This form never arrived to my current mailing address. 

I respectfully request XXXX  immediately correct their error as Ive been damaged by their reporting misinformation.
Product: Vehicle loan or lease

Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX   place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. 

Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX NEW YORK, XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Chapter 13 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I get paid a large amount of money ( {$380.00} ), its sent to my PayPal. the next day I cant login to my paypal at all. This has never happened and Ive had my account for years.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, AZ XXXX Transunion is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Product: Mortgage

RELATED TO CFPB CASE XXXX WELLS FARGO BANK. 
XXXX XXXX XXXX STATES XXXX XXXX XXXX IS INVESTOR / OWNER OF MORTGAGE LOAN. PLEASE PROVIDE PROOF OF THIS STATEMENT. ALSO REPORT THE DATE OF PURCHASE OF MORTGAGE LOAN AND NAME OF SELLER. XXXX XXXX XXXX STATES FOR HOME OWNER TO CONTACT SERVICER WELLS FARGO BANK. PLEASE PROVIDE LETTER OF WELLS FARGO BANK ASSIGNED AS SERVICER OF MORTGAGE LOAN BY XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have reached out on the behalf of the borrower to the last known mortgage holder to obtain a Discharge. They have provided the attached letter stating that they can not help with the Discharge. This mortgage has been paid off. 

I need to obtain a Release/Discharge for the following : Mortgage from XXXX XXXX XXXX XXXX to XXXX  as Nominee for Mortgage Master recorded with XXXX XXXX Registry of Deeds at XXXX, Page XXXX ; as assigned to GMAC Mortgage, XXXX via XXXX recorded with said Deeds in Book XXXX, Page XXXX ; and purportedly discharged by XXXX  via instrument recorded with said Deeds in Book XXXX, Page XXXX. 

Please consider this a request for a Release of Lien from Ocwen  as Servicer for GMAC Mortgage, XXXX.
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 these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} Discover Bank has stolen my Identity and created securities in my name with out my consent.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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, credit repair services, or other personal consumer reports

Hard inquiries by these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am complaining about a debt account posted on my XXXX credit report by Credence Resource Management debt collector. Credence Resource Management falsely and inaccurately reported the following information to XXXX : Amount : {$200.00} Original creditor : XXXX Date opened : XXXX XXXX. 

However, I never used XXXX  as my cell phone or internet service career during the period mentioned on the report. In fact, I was with Visible by XXXX. 
Also, as of XXXX XXXX XXXX ; I have received a confirmation from XXXX stating that they have removed the account from their reporting as well. 

I have tried to contact Credence Resource Management to provide more information such as but not limited to verifying the debt, and they failed on multiple attempts.
Product: Debt collection

I was never contacted by Wakefield And Associates not even when the supposed debt was transferred to them. I did not receive any written notification via mail from debtor or the collection agency. If either one had contacted me within the 1 year period after supposed date of service than I would of had the chance to submit the debt to the insurance company for payment. Since gaining knowledge of the alleged amount that I owe I have tried diligently to contact not only the debtor but also the collection agency to not only verify the debt but also to find out why it was not submitted to my insurance company or why I wasn't notified. The agent asked me for my insurance which I provided but my insurance company declined the supposed debt because it was past the 1 year mark. Now that Wakefield And Associates have taken over this debt they have not verified its authenticity and are CHARGING ME INTEREST to the tune of {$400.00} more than the debt is. I would assume that is why they have not contacted me during the time of which I could have had my insurance company investigate further the validity of the debt. I want this debt removed from credit report until the creditor/Medical company can prove the debt is valid and provide me with the documentation from where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX, XXXX and Transunion has violated my rights by reporting unverifiable public records on my consumer report ( Reference XXXX XXXX XXXX XXXX XXXX  ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. XXXX Transunion or XXXX never validated or verified these public record entries on my credit report. XXXX stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that XXXX as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

I am a XXXXXXXX XXXX and work long hours. This company has repeatedly contacted me causing XXXX and distress asking me regarding my brother which I have told them 3 times I no longer live with. I explained I did not know of his new address and they actually questioned on the phone if I was telling the truth. 
Despite this they still contact me during my work hours and after AND just today they have emailed me. 
Please note that I am not the debtor. They have harassed my mother and my stepfather as well. 
The one time back in XXXX when I spoke to my brother about these calls he never disclosed any information about what this was regarding. Initially I thought it was a shady friend of his due to the ridiculously illegal methods of contact to his family. 
Today I have received an email with the subject line XXXX. This means it is a car loan and therefore this so called company has violated federal law as they have disclosed loan information to a third party. I am appalled. I have proof and will consider legal pursuits.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell is handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite 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 that tracking these transactions was unfeasible. The CFPBs 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. This lack of accountability and transparency Is unacceptable and raises serious concern about consumer safety.
Product: Debt collection

On XX/XX/XXXX. XXXX ( presumably the date of service since this is the only thing I've been sick from. Turns out strawberry XXXX ) I had an XXXX  as an XXXX treatment for extreme stomach pain and the inability to eat or drink. I have good insurance and have not allowed anything to become delinquent or late or anything else. I check my credit through XXXX  XXXX weekly as maintaining good credit is very important to me and up until the following point I have zero collections zero negative anything period on any of my credit reports. Within the first 8 days of XX/XX/XXXX I checked my credit and found that my credit had a derogatory mark from receivable management group tagged with XXXX XXXX. I called XXXX radiology and was transfered to receivable management group. Where I was informed a XXXX dollar charge i had never been informed of was never paid out of thousands of dollars of services all of which had been paid, and was somehow seperate from the other charges and that I had accrued the debt had risen to XXXX. Insted of calling and asking to be paid XXXX XXXX sold the debt and once again instead of simply calling me so I could know that I had a simple small debt to pay receivable management group placed it on my credit as delinquent. I was never billed, never called, no letters, and the charge never showed up on mycharts which is how XXXX regional and affiliates communicate with patients including debts. I paid the XXXX to receivable management group with the agreement it would come off of my credit. The account is still on my credit to this day and still I have recieved no letters calls or any communication of any type concerning any debt or validation. My address has not changed in years nor has my phone number or email address. All of which XXXX XXXX system has.
Product: Debt collection

This debt collector ( LVNV FUNDING LLC ) has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights. 
Collection Acct : LVNV FUNDING LLC OPEN BALANCE : {$1000.00} ACCOUNT OPENED : XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a Ponzi Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.