23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has repeatedly update info to Credit bureaus with ongoing CFPB complaint with out answeing the complaint and without validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, 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, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This reporting account is fraudulent, the consumer name they are reporting is NOT ME and NOT MY NAME. Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 Sec. 602 ( A ) states I have the right to privacy. 15 U.S.C 1681 Sec. 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. Account name : XXXX # XXXX negatively reporting on my consumer file violates my consumer rights. I looked at my Transunion credit file on XX/XX/year> and noticed some incomplete, inaccurate, and negative reportings. According to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) ( 2 ) they are not legally permitted to 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. According to 15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing these items of information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. These are the item I am expecting you to remove from my Credit File : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit card

I started receiving statements in the mail stating I owe {$2900.00} .The issue is I never applied for a venmo credit card.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Product: Debt or credit management

I was told to go on this site by a Midland Credit Management authoritative, someone used my information to purchase things in my name at a store called XXXX now there saying I owe a huge payment that I absolutely didn't make They're saying I owe XXXX on XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I had an account with XXXX for auto insurance that had been raised in premium in months prior. The payment was out of my budget at the time and therefore I began searching for a new Auto Insurance carrier. I obtained a new carrier in XX/XX/XXXX. I then allerted XXXX and asked for them to cancel my policy. The agent stated that they needed the new company to provide them with the new insurance information to cancel. My new carrier gladly sent the proof of insurance over for them to comply. I then spoke to an agent again whom at that time stated that the policy had been canceled by me, and that there was no payment or outstanding balance due. At that time, I believed this matter was resolved and there would be no future issue with any of this. 

Fast forward to XXXX of XXXX. I have since gotten a better paying position, and had began to look at my credit in hopes of purchasing a home this year. There I found a collection from XXXX, on the above said account. I have attempted to have this corrected through XXXX and through the credit bureaus with no relief. I also have an email issued from XXXX stating a {$0.00} balance. When trying to present this to XXXX or any of the credit bureaus, I have been told that they are refusing to honor their own communications to me stating that I have a {$0.00} balance with their company. This entire situation has been beyond frustrating.
Product: Debt collection

I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Debt collection

I am filling a complaint against Wells Fargo because they are attempting a that is I do not owe them. Account Name : WELLS FARGO, Account Number : XXXX. 
I would like for WELLS FARGO to show proof of verification that I owe them {$140.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Student loan

I received a notice in the mail dated XX/XX/2018 from Constar Financial Services regarding my Student loan with XXXX stating that I owe them {$10000.00}. 
At the time I was currently faced with financial hardship and was to the best of my knowledge already in the process of trying to resolve this matter with my lender. I asked not to receive collection calls. 
I received an additional notice from Constar dated XX/XX/2018 stating that I owe {$11000.00} which proceeded to offer a reduced interest rate program that would take my interest from 9 % on the XXXX loan originally with XXXX XXXX for 7.25 % down to 0 % and that my new monthly payment would be {$55.00}. The notice also states that my credit status would change to " Paying as Agreed '' This was to occur after 3 consecutive payments which were setup automatically. 
I setup the payment on XX/XX/2018 which was posted to my bank account, and later verified that it posted to my XXXX loan. 
On XX/XX/2018 I received a call from a different collection agency XXXX XXXX  XXXX on behalf of XXXX. After contacting Constar and XXXX I was able to verify that Constar sent my loan back to XXXX and neither will honor the agreement. I was asked to setup a similar arrangement with the new collections for 4 consecutive payments of {$57.00} which was deducted from my bank account on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Recently checking my report I have no knowledge of the following inquiries please remove from my report
Product: Debt collection

Reporting I have three open accounts with a debt collector with bad dates of XX/XX/XXXX but debt letter has XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2021, 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 reporting, credit repair services, or other personal consumer reports

Contacted Citibank from XX/XX/XXXX to current date pertaining to inaccurate information on XXXX and XXXX reports. Also contacted XXXX and XXXX regarding issues but they refuse to correct eventhough I have provided documentation. 
Citibank per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by Citibank to me pertaining new agreement but when I contacted Citibank pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
Citibank refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE XXXX and XXXXx refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/XXXX.
Product: Credit reporting

My name is XXXX XXXX XXXX Wells Fargo is reporting a foreclosure on my credit report which can occur I cosigned my son XXXX XXXX XXXX and he fell behind in 2013 Well Fargo mortgage he sent XXXX cleared up and the bank reinstated his mortgage with no prejudice towards him and failed to report that there was in a foreclosure. My son still lives in this house and has been updated on his loan since this occurred we still on this home and should not be on my credit reports as a foreclosure once to notify Wells Fargo they reversed on XXXX and XXXX that there 's no foreclosure but failed to notify the experience this is holding me up get in my dream home. I have notified I have notified Wells Fargo twice about removing this every time I called him the state my loan is in standing good and there 's no foreclosure I asked him twice to please remove this from experience on my credit report it 's stopping me from moving forward and purchase a new home. I have supreme court documents showing that the action that the bank wants applied for pre-foreclosure was rescinded and all actions one normal and the mortgage was reinstated and great standings please help me
Product: Credit card

I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.
Product: Mortgage

Lakeview Loan Servicing, by XXXX has been fraudulent with mortgage statements, payments made not being credited. All payments made on time with mortgage but payments rejected. Went to court and judge told them to waive all fees and we paid the amount due and they still applied payments to back fees. They are rejecting my mortgage payments and they continually are seeking foreclosure depsite the fact I have paid my own escrows and have provided them proof, they want me to pay back esrow monies on taxes I have already paid, they only want to take my money and apply to their made up fees.
Product: Credit card

I am a victim of ID Theft and after a thorough review of my credit file and hiring a company to assist me with it, I noticed multiple hard inquiries on my credit reports that were not valid, nor had I given them approval to run my credit. One of the companies was Synchrony Bank/Amazon, headquartered in XXXX, FL. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. They received the letter on XXXX XXXX, 2015 and to date, I have not received anything from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing this complaint against Amazon and I am praying that the CFPB can and will assist me in resolving this matter.
Product: Debt collection

XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a debt collection from XXXX XXXX XXXX that was charged off/closed more than 7 years ago with TransUnion ( TU ). TU agreed with my dispute and removed the debt. 

However, I discovered recently that the same debt was either sold or transferred to XXXX XXXX XXXX in XX/XX/XXXX. This debt and the XXXX XXXX debt mentioned above are one and the same. 

I disputed this with TU twice, between XX/XX/XXXX and XX/XX/XXXX. TU denied my dispute because they claim my debt is accurate. An investigation would show that the XXXX  debt XXXX XXXX XXXX is attempting to collect is the same as the old XXXX XXXX XXXX debt that was removed. I have attached TUs approval of my dispute of the original XXXX debt and their agreement to remove that debt.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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/year>
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle made on XX/XX/XXXX The dismissive response that I received to my legitimate complaints is concerning and is a reflection of why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). According to CFPB 's lawsuit filed on XX/XX/XXXX ( Case XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Zelle 's claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( XXXX U.S. CXXXX XXXX ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last three years at least Equifax has reported me as deceased. They tell me they have fixed it but my credit report still says I am dead. The fraud department said it would fix this and they have not. I am at a loss as to what to do-I have sent my driver 's lisc., social security, reported it as fraud. They just will not change the report. I am at a loss as to what to do since I am not dead!!!!!
Product: Vehicle loan or lease

I applied for a auto loan through Prizm Financial and was approved on XXXX  the lender made it a requirement to sign a auto payment agreement in order to get the loan, they also stated in order to remove the auto pay I must pay a fee in excess of {$100.00}.
Product: Vehicle loan or lease

I recently traded in a Nissan automobile and purchased a new one. During the trade in / paperwork transition the company billed me and deducted a payment from my checking account on the vehicle I traded in. It was in the amount of {$740.00}. They told me on XX/XX/2020 that they would mail me a refund for the overpayment of the above amount. To this day I have yet to receive my refund. I have made numerous calls to Nissan Finance in XXXX Texas and been told various stories. I have been told they sent me a check on XX/XX/XXXX, ( I never received it ). I have complained and asked for my money which is long overdue. I feel they are fraudulently withholding my money. I get a different person each time I call. I have been told they are sending me my check via XXXX overnight, Ive been told another check was sent XX/XX/XXXX and XX/XX/XXXX. I am beyond frustrated and feel the company is being deceitful. This is the fourth Nissan I have purchased and financed with Nissan Finance. They have my address. There is no reason for this to continue.
Product: Debt collection

I got a call from XXXX and the caller name XXXX from XXXX XXXX and XXXX XXXX XXXX. Called me and left a Voice Mail at first and saying that I 'm being sued and need to contact them right away to settle it before submitting the case. Then when I called I ask for a written validation to confirm. But they said that they already send one back in XXXX 2015, but never receive and they refused to send another letter but will email me the letter. So I told them I want a written and still refused. Now I asked for her name, the company and the address and already saw a bunch of complaints regarding to this phone number and Company.