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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : Liability Court US BANKRUPTCY COURT XXXX XXXX Date Filed XX/XX/2020 Reference Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECT ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX &   XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern I, XXXX XXXX, received a confirmation letter from XXXX XXXX XXXX XXXX on XX/XX/year> stating that the car loan was paid in full. I checked my Equifax consumer file and XXXX consumer file and noticed in accurate reporting. XXXX XXXX XXXX XXXX is reporting to the consumer agencies that the account was charged off when the account was paid in full. I have provided a copy of the letter received from XXXX XXXX XXXX XXXX, the clear title to the vehicle, and copies of the inaccurate information being reported to the consumer reporting agencies. I filed a Consumer Finance Protection Bureau complaint ID XXXX on XX/XX/XXXX of 2023 and received correspondence from XXXX  XXXX XXXX XXXX stating they will research this matter however this issue was never resolved. XXXX XXXX XXXX XXXX is attempting to collect extensions of credit by extortionate means by inaccurately reporting and sending false statements while causing damage to the consumer 's reputation ( 18 U.S. Code 894 ). XXXX XXXX is a victim of financial fraud due to XXXX XXXX XXXX XXXX  omitting the fact that my application funded the consumer transaction. The Uniform Commercial Code 9-210 states I the consumer have the right to request full accounting of my account if I have a security interest. I gave XXXX XXXX XXXX XXXX an application, ( 12 U.S. Code 412 ) which became a security for the corporation that I have equity and interest. Please be advise that my estate is prepared to complete Internal Revenue Service forms ( 56, 56F, 3949A, 211, 1099C, 1099-OID ), along with a notarized copy Revocation of Power of Attorney but this the final opportunity to update the consumer reports to reflect the accuracy of the mentioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX Equifax has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX  XXXX/XXXX Acct # XXXX
Product: Mortgage

I have a complaint opened, XXXX. I can not update this one so I am submitting another. 

I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. 

I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. 

I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries
Product: Student loan

15 US CODE 1605 AND 1666B AND 1681 STATEMENT OF ACCOUNTING IS NECESSARY
Product: Mortgage

I was wrongfully foreclosed by Ocwen loan servicing they conducted an illegal foreclosure and sale of my house which is called dual tracking there has already been a class action lawsuit against Ocwen the Department of Justice conducted the decision because of State of California business oversight department and I am a victim I am currently fighting my 6th eviction in the past 5 Years From the largest corporate landlord who bought my home the name of the current owner is XXXX XXXX who has subsidiaries like XXXX XXXX XXXX a Delaware Limited company
Product: Credit reporting or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my complaint of information in my credit report. 

XXXX XXXX Balance {$13000.00} Look at this account please remove the latepayments. This is reporting inaccurate
Product: Credit card

I entered into a rental contract with XXXX XXXX XXXXXX/XX/XXXX to rent an XXXX using my AAA visa credit Card. In addition to the rental, I purchase their XXXX XXXX ( see contract pg XXXX ). 
On XX/XX/XXXX there was an accident involving a low hanging tree branch resulting in damage to the top of the XXXX ( see pic pg XXXX ) Upon my rental return I was assessed damages in the amount of {$11000.00}. I was told this was a standard charge for damages. Regardless of the cost of repairs. NO INSPECTION, NO BIDS NO XXXX I was also informed that the XXXX XXXX I had purchased wouldn't cover any damages below the body of the XXXX or above the Window lines I advised XXXX XXXX that I was disputing the amount of the assessed damages and was requesting a professional assessment along with bids for repairs. 
I advised Comenity Bank/Bread Financial/AAA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Monday XXXX ) that a disputed charge from the following evening might be coming from Indie Campers and let them know the charges were not authorized, not signed and disputed. I was assured the charge would be flagged and that I was protected. 
The following months statement reflected the charge from XXXX XXXX  to my account ( see pg XXXX ). I contact Comenity Bank and was advised by the customer service rep that my dispute and the charge had crossed XXXX another and that since the charge had already been funded to XXXX XXXX, I would need to dispute the charge online. 
I completed the online dispute and was told that someone would get back in touch with me in XXXX days. I again contacted Comenity Customer Service and explained I only had XXXX days to dispute the charge with XXXX XXXX via arbitration ( per their contract ). I was told nothing could be done and that someone would get back to me in XXXX days. 
At the end of the XXXX days I contacted Comenity Bank and was advised nothing had been done as they still needed some additional information and that a letter had been sent to me. I re-submitted the documents ( see pgs XXXX ) Parallel communication was happening with XXXX XXXX XXXX as well as emails to their legal team. ( See XXXX XXXX ) In XXXX I was advised by Comenity Bank XXXX XXXX correspondence that they were denying my request for reversal and they they were ruling in favor or XXXX XXXX No additional documentation would be provided XXXX XXXX refused to discuss the matter with me as they had already been paid ( see email pg XXXX ) I believe XXXX XXXX company breached their contract, provided an unfair assessment of damages, and violated the dispute resolution processXXXX XXXX unlawfully & fraudulently charged my credit card {$11000.00} for their arbitrary and unsubstantiated damage estimate.
Product: Debt collection

On XX/XX/2018, I received a debt notification letter from XXXX XXXX XXXX ( CCS ) advising me a debt for {$830.00} from original creditor XXXX XXXX XXXX XXXX XXXX. I have no idea what the debt is so on XX/XX/2018 I send the collection company a letter requesting validation for this debt. As a response from my validation letter, CCS states that since they were able to contact me at my address this is validation. I feel like this is not proper validation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I send out dispute letter to XXXX, Equifax and XXXX to validate this information XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Student loan

I refinanced my private student loan. The previous servicer is still reporting the account as open, despite it not being open and paid in full. They will not provide me with proof that the account is closed. This is affecting me and the co-signer.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address for on a platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

My wages are currently being garnished by Persolve LLC because I was sued in a state in which I do not live in. I never received any letters or a chance to dispute the charges against me. I sent a form disputing the charges to the court that this lawsuit was filed because its in a completely different state than where I live now but because of the government shutdown earlier this year I understand they are in a backlog.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately.
Product: Credit card

An unauthorized credit card account was opened in my name and the associated credit inquiry conducted without my explicit consent. 

I initially contacted Capital One to inquire about potential credit card offers. As part of this process, a soft pull was conducted to determine my eligibility and stated that it would not affect my credit score. After receiving an offer, it is stated that I would need to review and explicitly accept the terms by signing and checking an acceptance box. However, I did not agree to the offer, I did not check boxes, nor sign the acceptance. 

Subsequently, I chose to apply for and accept a credit card offer from XXXX XXXX. Over a week after my legitimate acceptance of the XXXX XXXX card, I received an unexpected email and text message from Capital One stating that my card was on its way. Upon immediately contacting customer support, I was told that my account would simply be closed. However, my concerns regarding the unauthorized processing of my application, the impact on my credit report, and the fraudulent issuance of a credit card without my approval were not addressed. Instead, I was given only the general contact information for XXXX, which is wholly inadequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax : I am writing to request an investigation of the following information that appears on my Equifax consumer report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXX Bank Payoff Statement from XXXX Bank Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I recently opened an account with CitiBank after hearing great things about the institution. However, my experience has been nothing short of disappointing. From the very beginning, I encountered misinformation and a shocking lack of training among the agents. The inconsistency in responses between agents and supervisors is truly astounding, and it highlights a troubling lack of understandingor worse, a complete disregardfor customer concerns. 

As someone who works in customer service for both business and government sectors, I can confidently say that the service Ive received from CitiBank falls far below acceptable standards. Being lied to about money is completely unacceptable, and experiencing this level of service within just a month of opening my account is beyond frustrating. 

I chose to open a Citi account based on its reputation, not for a sign-up bonus or any other incentive. I believed I was choosing a financial institution that would protect my funds and help me rebuild my credit, especially after my previous bank failed to protect me from {$3000.00} in fraud. Unfortunately, the interactions Ive had with Citi employees, from agents to supervisors, have left me with no trust that Citi has my best interests at heart. 

The false sympathies and empty apologies Ive received from every representative Ive spoken to are unacceptable. In my company, such behavior would result in immediate accountability, not continued employment. Once my card arrives, I fully intend to withdraw all my funds and close this account. I can not bank with an institution whose employees lack adequate training, professionalism, and basic decency.
Product: Mortgage

In one month ( XX/XX/XXXX ) our investment home will be paid off, yet Wells Fargo still will not drop the PMI that is attached to this loan. I talked to someone at XXXX XXXX and they said the PMI should have dropped off when the loan reached 65 %. We never got a letter from Wells Fargo stating we had reached that threshold and I have called numerous times to ask why we didnt get a letter. I have also called numerous times to ask why the PMI didnt drop off automatically when we reached the required threshold. We were told this loan is set up to never have the PMI dropped. I told them this is against the Homeowners Proection Act of XX/XX/XXXX, but they are standing firm that is stays on for the life of the loan, Now they are suggesting that we get a BPO or Appraisal done, but that is pointless when we will have the house paid for in one month. Wells Fargo should not be allowed to keep the PMI money from the 65 % threshold to now-thats wrong and totally goes against our signed contact and the Protection Act.We are getting no where with them and need additional help, please.
Product: Debt collection

Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g.

Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b .

XXXX fcra Account In Collections XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX  XXXX  XXXX  Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$1000.00} XXXX XXXX XXXX Originally : XXXX XXXX XXXX  XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$740.00} {$740.00} {$740.00} XXXX  XXXX XXXX Originally : XXXX XXXX XXXX  XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$680.00} {$680.00} {$680.00} XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$480.00} {$480.00} {$220.00} XXXX  Installment Account Payment Plan/Redeemed XX/XX/XXXX XX/XX/XXXX {$3200.00} {$0.00} XXXX  XXXX XXXX XXXX Account Charged Off XX/XX/XXXX XX/XX/XXXX {$2200.00} {$0.00} {$0.00} Rental payment history items : XXXX XXXX XXXX Originally : XXXX  XXXX  XXXX XXXX XXXX Account In Collections XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX XXXX  XXXX  Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$1000.00} XXXX XXXX XXXX Originally : XXXX  XXXX XXXX  XXXX XXXX Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$740.00} {$740.00} {$740.00} XXXX  XXXX XXXX Originally : XXXX XXXX XXXX  XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$680.00} {$680.00} {$680.00} XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$480.00} {$480.00} {$220.00} XXXX  Installment Account Payment Plan/Redeemed XX/XX/XXXX XX/XX/XXXX {$3200.00} {$0.00} XXXX  XXXX XXXX XXXX Account Charged Off XX/XX/XXXX XX/XX/XXXX {$2200.00} {$0.00} {$0.00} XXXX Past Due XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$880.00} {$1000.00} XXXX  XXXX XXXX Agency : XXXX XXXX XXXX XXXX COLLECTIONS ON XX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} Please let me know exactly which items you want to dispute, and the reason for each item. 




I XXXX XXXX XXXX is dispute the debit item it's not my l from app portfolio on code Law 15U.S.C1692 and XXXX XXXX am dispute the debit item on credit report it's not my XXXX, TX LEFT XXXX MONEY OWED XXXX Past Due XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$880.00} {$1000.00} XXXX  REAL ESTATE Agency : XXXX XXXX PLACED WITH XXXX XXXX XX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX is XXXX XXXX XXXX item it's not my l from app portfolio on code Law 15U.S.C1692 and XXXX XXXX am dispute the debit item on credit report it's not my denial in violation Law XXXX XXXX on credit based do to Law I XXXX XXXX is requesting r on XXXX XXXX it's not my debit I put in on the property management company went through your processing software. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My bank is Citibank. On XX/XX/2024, I had {$39000.00} on my checking account. My first payment, on that day, was a Direct Debit ( ACH ) to the IRS for {$14000.00}. Then, a payment to my credit card for {$21000.00} - which my bank called a " transfer '' because they issued my credit card. My 3rd payment was actually a transfer to my saving account for {$10000.00}. At that point, I didn't pay attention that I was overdraft because I have the overdraft protection between my checking and my savings. Finally, my XXXX payment was done thru XXXX for {$3000.00}. During the whole day, no where on the application it showed the overdraft, all my payments looked that they were processed. The day after, the payment for the IRS was rejected but all other payments were processed. I got penalties, interests and fees to pay to the IRS. I filed a complaint to my bank for not processing my payments in the order that I sent them. I was told that the payments that go first are the transfers from account to account and then the biggest amounts. I asked also when these rules where communicated to me because I was not aware of these. They didn't reply. I asked in which documentation these rules are shown but they told me that they did not have the documentation.
Product: Checking or savings account

My Amex Serve account was fraudulently hacked and 8 transactions on XX/XX/XXXX {$49.00} x 2 XXXX XXXX XXXX XXXX XXXX XXXX were allowed to go through. I never received 1 text message or alert from the fraud department. I live in texas and the charges were in California. I called in disputed the charges and returned the dispute form. 

I have been given the runaround. They can't reach the fraud department by phone according to ever customer care rep. You can't speak to a supervisor. 

Per their website a provisional credit is issued within 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX Bank XXXX XXXX XXXX XXXX XXXX because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance