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

On XX/XX/2017 company CMRE Financial had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX credit agency and began to receive letters in the mail from CMRE regarding this charge/ account. I first contacted CMRE Financial asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX to file a dispute and they resolved it and removed it from my XXXX  Report. Present day, I come to find it was also on my XXXX but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my XXXX report also since XX/XX/2017 and I was unaware. I tried to contact CMRE Financial to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX and after two disputes being filed, XXXX  is claiming the fraudulent charge/account from CMRE Financial to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by CMRE Financial and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX the day of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX FKA XXXX. 

Experian has refused to address this twice so far.
Product: Credit card or prepaid card

I have 90 charges on my credit card and I have not received any statement for 3 months. I have not received any information about the changes. I NEVER received documents to dispute charges that were not authorized
Product: Vehicle loan or lease

I took out a car loan with Carvana in XXXX of XXXX : managed by XXXX. Per the contract I signed on XX/XX/XXXX, with financial agreement attached here, the details of my financing were at described below. 

Loan of XXXX XXXX XXXX interest to be paid over 72 months. Total interest to be paid would arrive at approximately XXXX. I would have monthly payments of {$200.00} with one final payment at {$190.00}. The payments of {$200.00} would cover the applicable principle and interest for a given month. 

I was told there was a delay in the car delivery and I had to sign a new contract. The carvana representative told me that the new contract had to be signed because of the change of delivery date. Recently I was reviewing my loan payments and found that I was charged about {$600.00} more than my original loan contract. I contacted XXXX on XX/XX/XXXX who confirmed the higher loan amount was the correct loan information they received from Carvana. 

I contacted Carvana on XX/XX/XXXX who had sent me a contract that was dated XX/XX/XXXX. This contact was the second contract I signed that the representative told me was just for an updated delivery date. This new contract had a delivery fee and altered taxes that amounted to the roughly {$600.00} difference between the first and second contract. Additionally the financing terms were different as well. There was a higher interest rate and the {$600.00} higher principle to the term. 

This was never expressed to me when I was informed I had to sign a new contract. I was explicitly told the new contract was just to update the delivery date. 

When I contacted Carvana on XX/XX/XXXX about this issue I was told to contact a representative in the contract department : a XXXX XXXX. The representative I spoke with on XX/XX/XXXX told me he would inform XXXX of the situation and XXXX would get back to me in a few days. I also sent him an email containing the original contract I signed so he had that information : to the email I was given for XXXX, XXXX. I had not heard anything from XXXX after 1 week and sent a follow up email. As of writing this, I have not heard anything from XXXX or Carvana regarding this bait and switch on the contract terms. 



Both contracts are attached to this email.
Product: Credit reporting 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : 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 CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING 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 card or prepaid card

On XX/XX/2017 I got an email that a payment had been posted to my Capital One account. in the amount of {$3000.00} was posted to my account. I did not make this payment. I called Capital one and told them I did not make this payment but they could not tell me who did because of privacy issues. Well three days later the payment was returned due to fake account. They told me my account was probably hacked and they were going to use card after payment cleared. They said they were going to mail me a new card. Instead I got a letter they closed my account. I had always made payments on time. They did no investigating to see who did this and would not give me any information to do it myself. Instead they just closed my account and I got a dereogatory mark on my credit score. I told them this wasnt my fault but they did not care
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 
XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  account. {$1200.00} past due as of XXXX XXXX CXXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN, I XXXX XXXX XXXX XXXX, RECEIVED AN ALERT ON MY CREDIT REPORT ON XX/XX/, FOR A COLLECTIONS ACCOUNT THAT WAS ORIGINALLY WITH XXXX XXXX XXXX IN THE AMOUNT OF {$4500.00} OPENED XXXX XXXX. 

I DO NOT LIVE IN XXXX, PENNSYLVANIA AND HAVE RESIDED IN NEW JERSEY FOR OVER 6 YEARS. THERE IS NO WAY POSSIBLE THAT I COULDVE HAD AN ACCOUNT IN XXXX WITH CONNECTED UTILITY SERVICES. I HAVE ATTACHED MY FTC REPORT. THERE ARE SEVERAL NAMES, ADDRESSES, JOBS AND INCORRECT BIRTHDATE ON MY CONSUMER FILE. I HAVE ONLY BEEN KNOWN AS XXXX XXXX XXXX XXXX, AND NO OTHER NAME.
Product: Student loan

I have a past due balance with Sallie Mae however I have been making {$200.00} a month payments. Sallie Mae is still calling me every day and also emailing me. That is abuse. I cant give Sallie Mae any more money than I have. Everyone has been affected by the coronavirus.
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( CBE GROUP XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light if the 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 were unfeasible. The CFPBs finding 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 concerns about consumer safety.
Product: Debt collection

In XXXX NATIONAL CREDIT SYSTEMS INC. called and harassed me stating that I owed a debt, violating my consumer rights. I have never entered a consumer transaction with NATIONAL CREDIT SYSTEMS INC., and I have no idea how they have acquired my credit card ( ssc ), therefore has committed identity theft, by law. I have disputed this account over XXXX dozen times with all credit bureaus, once the validation of debt with my wet ink signature was requested. The bureaus noticed they had no substantial validation of proof. NATIONAL CREDIT SYSTEMS INC. sent a contract that did not have their information on it and also the contract did not have my signature anywhere on the document. This is what they have been damaging my credit reputation with, a unsigned document from a company that I have never given my credit card, nor permission to furnish my credit report. All bureaus except for XXXX has removed this fraudulent account. When I reached out to the company for remedy they would put me on hold and Hang up whenever I asked them about phishing for my information, or my information being sold to them.
Product: Credit card or prepaid card

Citibank along with XXXX XXXX XXXX XXXXXXXX, all lost my payments that where made from XXXXXXXX XXXX XXXX and of course claimed I took the money back but I am not XXXX XXXX XXXX. this has gone on for months and trying to talk to the fraud departments is impossible. they make you call machines where you will spend hours trying to talk to a person in this country who can speak English. every time you ask for a name or id from them they will not respond. I am a poor XXXX man that they have robo called to death threatened to destroy my credit rating and did unless i pay them which I talked to all of them and said I would pay my bill like always but not until they figure out where my payments are going be cause each time i make a payment i get an email and about three days later I get an email saying my payment has posted which they say a week later i took the payment back which is impossible but XXXXXXXX XXXX XXXX records says payment returned but it did not post to my account. I have lost accounts and loans and hours of work plus the stress and embarrasment at banks and business accounts places where i was denied accounts because of this along with background checks that have cost me business and you can not call them just a machine.
Product: Credit reporting or other personal consumer reports

The student loan service provider XXXX through an agreement with the Department of Education voided both my federal and private loans to due to illegal practices by XXXX XXXX ( XXXX XXXX XXXX ) as well as XXXX itself. The Federal Loans were voided through the XXXX XXXX XXXXXXXX case and the private loans were voided via a settlement with State Attorney Generals. XXXX has confirmed through the CFPB and the Department of Education that they have submitted updates to the consumer reporting agencies including Experian to delete the tradelines for the XXXX loans. Experian has removed the history from my report but failed to adjust my XXXX score accordingly, leaving years of fraudulent, negative reporting by XXXX reflected on my overall FICO score ( but whose history is now hidden by Experian ). XXXX has stated that the responsibility to reverse the points removed from my XXXX score is that of Experian, who continues to refuse and ignore my request for this information under the Fair Trade Reporting Act.
Product: Student loan

I called Mohela customer service line to address an issue with my pending XXXX  application. After a series of automated menu options, I was placed on hold for XXXX minutes. Then, the hold music was paused, the phone rang and rang, and no one picked up. After that, the call disconnected. I had to call again and wait in the queue for another XXXX minutes.
Product: Debt collection

Hello. My name is  XXXX   XXXX  and I was repeatedly contacted by The Hamilton Law Association,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Phone  XXXX , email address :  XXXX  XXXX  XXXX , website : www.myhamiltonlaw.com regarding a debt that is more tha n 10 years old. The original creditor was  XXXX  and the   account had a balance of {$18000.00}, account number  XXXX .     I was contacted in  XX/XX/XXXX  and was told tha t Hamilton Law had a lawsuit ready to file against me regardin g this matter. They offered to settle the matter for {$7800.00} but gave me less tha n 24 hours  to come up with the money.     The money was paid to  Hamilton Law  so they would not sue me and take me to court. I was afraid of the threats they were making regarding filing suit and how I would pay for the money owed.     I suffered a   XXXX   XXXX   in  XX/XX/XXXX  and earn significantly less than I used to. I can not afford to the funds paid. I now work for  XXXX   XXXX   XXXX   XXXX    XXXX   and the more I continue to think about this matter, I feel like I was coerced into paying money that I do n't have and feared about the concequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX  ARE REPORTING ACCOUNTS THAT WERE DELETED OFF OF MY XXXX  REPORT AND IT'S HURTING MY CHANCES OF BUYING A NEW HOME FOR MY FAMILY.
Product: Money transfer, virtual currency, or money service

I had a complaint submitted through CFPB ( COMPLAINT ID XXXX ) that was closed on XX/XX/2024. In response to my previous complaint, Bank of America stated that the wires were returned to the original sender, XXXXXXXX XXXX XXXXXXXX XXXX, on XX/XX/2024. However, it has been over a month and the wires have not been returned to the original sender yet. I have requested multiple times for Bank of America to provide me with a wire tracing number or proof of transfer back to XXXX XXXX XXXX  XXXX, but they have not responded to my request. All they have provided in their response is proof of the deduction of the wires from my account, but no proof of wires being sent back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax and XXXX concerning unauthorized credit inquiries on my account. Equifax sent me a letter regarding the inquiries are accurate with no validation sent to my address. XXXX claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork with the credit reporting agencies per the FCRA. They have not been attached to my disputes and the disputes have not been done correctly. And I have not been given copies of the verification process. 

This is the account : XXXX Bankruptcy Dismissed
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. DISCOVER CARD I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I opted of of all authorization from XXXX XXXX XXXX and filed a complaint with the CFPB. 
Opt out letter and Complaint attached. 
This account is charged off and the law says a charge is considered certificate of indebtedness and that is considered income since the it has been filed on their taxes as a loss. 

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Checking or savings account

As of XX/XX/2019, I got an email notifying me that my accounts have a negative balance of one being XXXX and XXXX. I refuse to owe money to transactions which were not authorized or done by my doing and I will do whatever it takes to get my name cleared.