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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX
Product: Credit card

I disputed XXXX XXXX charge to Citibank Visa. 
As a result, Citibank Visa deactivated & discontinued XXXX card ( ending # XXXX ). 
However, XXXX Payment Support Staffs insisted that I gave XXXX # even though I had said 4 or 5 times that I no longer had the card ( I shredded the card ) Citibank Visa XXXX XXXX told me that XXXX # can not be released over the phone. 

So I requested to release the card XXXX in mail. 
Again XXXX XXXX XXXX XXXX XXXX in purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own there is no third party involved. I checked my XXXX credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with XXXX and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX on my Experian and XXXX report XXXX I have no knowledge of this account. I disputed this Experian and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zwlle 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 CFPB 's findings indicate that Zelle has not only neglected to protect but as also allowed repeat offenders to exploit the system, leaving users vulnable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX # XXXX - Collection This is not my account, I have no knowledge of this account please remove it from my credit report. 

WSTLAKESVC # XXXX Collection This is not my account, please remove this from my credit report. 

XXXX XXXX # XXXX - Collection I have never done business with this company please remove this from my credit report. 

XXXX  # XXXX Derogatory This is not my account, I have no knowledge of this account please remove it from my credit report. 

XXXX XXXX # XXXX - closed This is not my account, I have no knowledge of this account please remove it from my credit report.
Product: Mortgage

I took out the loan in XXXX with GMAC, for {$25000.00} and paid {$200.00} for 15 years, the amount of time on the loan. Last Paymet due XX/XX/XXXX. Never missing a payment, even through Covid. The interest was 9 %. I did not realize the loan had ended, and kept paying through XXXX. Now the Company that GMAC sold the loan to is demanding {$11000.00} plus dollars Now, calling the loan. If anything I believe that they owe me money, yet are threatening me with forclosure. I have all of my paper work, yet ALLY will not even give me the time of day, This is a second mortgage loan. # XXXX I really believe that I am being cheated. I did pay this loan off according to the contract,
Product: Debt collection

VALIDATION AND CEASE AND DESIST SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX Account number : ACCT # XXXX Your NAME : XXXX XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear SECURITY CREDIT SERVICES, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor. or the attorney of the debt collector. 

I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor, 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Product: Debt collection

I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( XXXX ) who is submitting this complaint on my own behalf there is no third party involved. Weltman Weinberg & Reis Co. LPA have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. Weltman is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and Weltman is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by XXXX certified mail which was picked up on XX/XX/2022.
Product: Credit card or prepaid card

Capital One mailed me a offer XXXX XXXX if i spend {$6000.00} in 3 months i would get a {$700.00} cash reward. i did spend that amount so i called to check on my {$70000.00} reward, in XX/XX/2023 again in XX/XX/2023, they told me they gave me a alternative card so i wouldn't get the rewards.. i did not give them permission to just Change my card to a different card. i want my rewards, they refused to give me what is due, what i have in writing on the ad they sent to me. i can send you a pict of it if i need to..
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. 
-Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. 
-Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. 
These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. 
Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. 


CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. 
Please process this request within 30 days in writing. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent equifax certified mail ( tracking # XXXX ) they received the mail XX/XX/2021. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Equifax has responded by only removing inquiries.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is reporting late payments in XXXX and XXXX of XXXX which is incorrect. I was never late on this account and XXXX is the only credit reporting agency reporting this information. Furthermore, the statement on my credit report says that it was " past due two or three times ''. This is not accurate reporting and does not meet FCRA guidelines. I am requesting that Coast 2 Coast lenders submit an AUD to XXXX to fix this error. At this time, I am only asking for this account to updated to paid as agreed or removed from my credit report. If this is not fixed within 30 days, I will have no choice but to proceed with legal action due to clear violations of the FCRA and defamation of character. Please see the attached credit report and update this account immediately :
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX  XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened 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 consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : 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
Product: Credit reporting or other personal consumer reports

I was a victim of credit fraud since XXXX and accounts have been placed in my name that i'm aware of. I've tried reaching out to XXXX asking for proof of application and received no answer. I need this off of my report ASAP it's hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not correct. I have never used that alias. Please, remove XXXX XXXX from my credit report.
Product: Credit card or prepaid card

this company discriminates. i asked for help on past due payment history on my account. i asked for the late fee marks on my account be removed due to working on my credit. having a new card in good standing, due to me being XXXX and XXXX  XXXX XXXX. i was asked private info regarding my XXXX XXXX XXXX, i was told i was a liar that the call didnt exist until 3 weeks later the call was found. i asked for my late payment reporting history to be removed. this company says they dont remove negative history from credit reports when in fact they do and have done so. i have proof. they called me a liar asked for my XXXX info all to deny me. this company is sad. they did no research from my initial email to assist me. my proof attached shows that this company lies, they pick and choose. they discriminate. they are awful. they are able they can help but they wont help women.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS AS IT CONTAINS MY COMPLAINT AND IDENTIFICATION.
Product: Mortgage

Back in XX/XX/XXXX, I started applying for modifications due to the fact that I lost employment. My mortgage company was IndyMac Bank d/b/a XXXX. There were several programs that were being developed due to the economy. I had completed several modification trial periods with the XXXX XXXX. After every trial period, the bank would literally send me correspondence stating the house was in foreclosure with a sale date. I would contact XXXX to figure out what was going on. They had me to do the modification process over and over again. Finally, my house was foreclosed on in XX/XX/XXXX. I had been contacting XXXX and XXXX regarding my loan for a good while and XXXX has an extensive phone log on me. I was put out of my house in XX/XX/XXXX by the XXXX. Before then I had contacted the Bank and they stated to me that there was no sale date on my account. These phone calls were made in XX/XX/XXXX and XX/XX/XXXX. I received the paperwork from the courts in XX/XX/XXXX. After being put out of the house, I started receiving paperwork from Ocwen Bank regarding a modification on the house. I contacted them and explained to them that the house was no longer in my name, It had foreclosed and I had gotten put out. They explained to me that they received this loan from XXXX XXXX and the house did not foreclose. I told them that I had not lived at the property in over a year. The paperwork kept coming regarding the loan. I contacted XXXX in XX/XX/XXXX. I spoke with a supervisor and she explained to me that the foreclosure was rescinded. She stated that XXXX XXXX contacted them and stated that they needed to investigate the situation because something was wrong. I was never informed about them rescinding the foreclosure. She apologized to me and stated that " we '' messed up and that the house was still my property and I could move back in if I wanted to. XXXX stated that I was in bankruptcy when they foreclosed so they had to rescind the foreclosure. If that is the case, they foreclosed on my property in XX/XX/XXXX not XX/XX/XXXX. The paperwork that was filed with the courts is fraudulent. They have since changed mortgage company again. It went from XXXX XXXX to Ocwen Bank now to XXXX XXXX. XXXX has since contacted me regarding a modification but the house is back into foreclosure again. Due to the fact that I was not in the property for a year. Ocwen Bank and XXXX XXXX has both stated that they did not know anything about the foreclosure. I do believe that XXXX has lured me back into the property to foreclose on me again. Once I moved back in the property, everything was taken out of the property. All the appliances were gone. I contacted XXXX and Ocwen Bank. They both were blaming each other but neither of them would replace the appliances. But they both are coming after me regarding payments and bringing the loan current. Now, XXXX is harassing me for all the past due regarding this property and the property is now in foreclosure status. Something has to be done regarding all this illegal transactions being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on XXXX  and Experian. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
Product: Debt collection

I keep seeing this Portfolio Recovery on my credit report for collections in the amount of {$430.00} from an account opened in 2019 through XXXXXXXX XXXX  I don't have any cards with XXXXXXXX XXXX as the financial establishment. That is not my account. I have disputed this as fraudulent with the credit bureaus at least 5 times to no change. No one seems to know where this came from. It is not my account. I want that removed.
Product: Vehicle loan or lease

I have a car loan with Citizens One Bank. Im at the end of my loan payment for 72 months never late. I have been paying more than I need to pay for years to get my loan paid down faster. On XX/XX/2021 my loan payment due date the loan principal was {$1600.00}. Since Im ahead on my loan payments my XX/XX/2021 payment was XXXX. However, I paid {$200.00} on XX/XX/2021. Now my principal balance as of XX/XX/2021 Billing statement is XXXX. {$5.00} was used for the interest. 

Then I looked on my Citizens One Web page and my bill has gone from {$1400.00} to now XXXX Principal balance. My next month payment was {$260.00} for XX/XX/2021. Now its changed to {$490.00} for the month of XX/XX/2021. Without my knowledge or consent with Citizens One someone reversed my payment of XXXX making the XX/XX/2021 to {$66.00} to my principal instead of my regular payment. With {$130.00} missing out of my account and I have not received a refund. 

I called on XX/XX/2021 to an agent who gave me a conformation number of XXXX regarding my issues. Then Hung up the phone one me soon after. Then I called back to Citizens One requesting a supervisor then I was transferred, and the phone call was disconnected again. Then I decided to file a complaint with the Consumer Financial Protection Bureau. I want my payment to be changed back to the principal balance of {$1400.00} with the {$200.00} payment I made on XX/XX/2021 billed to the regular payment. I'm still ahead on my loan payments. My loan payments are {$49000.00} a month. My last loan payment with Citizens One is XX/XX/2021. 
Requesting my bill to be reversed back to the Billing statement of XX/XX/2021.