23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Describe what happened so we can understand the issue ... An alleged debt in the amount of approximately {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.
Product: Credit reporting or other personal consumer reports

I called and mailed in requesting procedures used to confirm several false accounts on my report XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was informed they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the 6th time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties.
Product: Credit card or prepaid card

The Capital One credit card was set up as a paperless account. As such, Capital One was required to notify me by email if there were any past due amounts and they NEVER NOTIFIED ME OF ANYTHING. THEY DID HOWEVER NOTIFY THE CREDIT BRUEAUS OF A LATE PAYMENT, AND AS A RESULT, MY NEARLY PERFECT CREDIT SCORE OF 10+ YEARS HAS DROPPED 100 POINTS!! 
How can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XXXX  balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my XXXX Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting

For the 4time typing this ; I had XXXX judgments from XXXX that were paid in full from XXXX court.I also had a bankruptcy that was filed in XX/XX/XXXX.that was dismissed for non payment of taxes and not discharged.There might be bank accounts closed from XXXX XXXX XX/XX/XXXX.Also there might be XXXX hard pulls on my report.that were unorthoized.I did apply to XXXX XXXX for a credit card and to XXXX bank for a master cardXXXX were denied.There is no employment history since XX/XX/XXXX.There might be several late payments from XXXX from a XXXX card.There is no other information to fill up XXXX fields.
Product: Payday loan, title loan, or personal loan

I purchased from XXXX online & I received contract via my email from Acima XXXX, I agreed & the merchandise came as I requested. My initial processing fee of {$45.00}, they collected {$47.00}, monthly payments XXXX they collected plus tax {$110.00} ( 3 ) times then 3 month early buy out was available & XX/XX/21 Sunday. Ive paid on time per my contract, they didnt send me all my receipts for my payments. When making final buy out they added a XXXX + for nsf. I confirmed with my bank not true. I called customer Svc @ Acima & rep XXXX refused to refund me overcharged funds, I asked for a supervisor XXXX refused too. I was appalled when supervisor refused & became very unprofessional & fabricated how I didnt pay on time which is untrue. I have direct deposit every month for the XXXX & XXXX, I confirmed with my bank before calling Acima, the supervisor didnt even treat me as a valued customer, I paid on time & did early pay out in full, its unfortunate how were in a horrible pandemic plaguing the whole World & Acima is taking advantage of their customers. My concerns may be minute, its the principle!
Product: Credit card

I have experienced some identity theft and this is a result of the theft that has taken place. The people committing the fraud opened this credit card in my name using a bank account also opened in my name. I have since closed the checking account and called and spoke with the company to report the card as open fraudulently. The company has not closed the account or flagged the account as fraud as I've requested. I added a fraud alert on my credit report to ensure the company was made aware again but they have not taken action to secure my account.
Product: Credit reporting or other personal consumer reports

I have paid 100 % of this balance and the company is still reporting a balance of {$150.00}
Product: Mortgage

CFPB, My name is XXXX XXXX, XXXX. 
I have filed numerous other consumer protection scam and fraud issues to the CFPB, all unresolved. 
XX/XX/2021, my elderly enfeebled father, XXXX XXXX XXXX, passed away in hospice from a XXXX XXXX. 
XX/XX/2021, I received a suspicious USPS certified letter from America First dated XX/XX/2021 ( attached ). 
America First and single point of contact XXXX XXXX are extorting my deceased father for {$44000.00} by XX/XX/2021. 
I can not be certain of the information, validity, or integrity of America First in America Firsts choice to commit extortion, predatory revenue creation, and elderly abuse of my deceased father. 
XXXX XXXX and executors clearly need protection from the abuse of America First. 
Please allow this report to serve as a Cease and Desist order to America First. 

Please advise, XXXX -- XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting properly to the credit bureaus AGAIN! My back credit dashboard alerted to this to me that XXXX XXXX XXXX is not reporting the account type which is suppose to be. XXXX XXXX- is maliciously reporting incomplete data regarding then two medical debts that are reporting. 

According to the fair credit reporting act, furnisher a list report complete, fair, and accurate data or they are to be removed- this is multiple times that I have had to report this!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering loss funds was impossible in that track in these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i tried to sign up for XXXX to keep track of my debts and help me reach my goals but they are blocking the service.
Product: Debt collection

I was recently sent a notice of debt by the XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding a Toll I did not pay in Georgia. 

When the picture was taken of my car I had an XXXX XXXX XXXX XXXX in my home state of XXXX 

I called the XXXX and discussed and provided them my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The woman on the phone verified my account with XXXX XXXX  and said they would get the money from XXXX, ( for tolls, not violation ) as I was in accordance with the law. 

I then recently received a collection notice from PAM ( Professional Account management ) I attempted to call the company in order to discuss and receive an email address so I could craft and write a response within the 30 days as requested. They stated they had no email and that I needed to send a letter in writing, I told them I could not track that and based on the need to prove that I had written to them I wanted an email confirmation. The person on the phone stated that I would need to pay the fees to them and then I could contact XXXX to get a refund. 

That doesn't seem very normal. I asked what are next steps then, I was told to pay the toll or I could suffer further consequences. 

1. I don't actually owe the violation 2. Even if I did, Their is no way of paying ( I have sent screenshots of the letter and my attempt to see my debt on their website XXXX. XXXX XXXX XXXX XXXX XXXX  claim they are in concert for drivers, but that does not seem to be the case. 

What should my next steps be?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Navy Federal Credit Union auto loan. I refinance my auto loan last year and paid for GAP insurance. I got a lower interest rate last month and paid off the loan. I called to see if you get a refund and the answer was no. This is just an easy way for the credit union to keep a member money especially if you pay the loan off early. Hard to believe the credit union has the interest of its military members in mind. Since I didn't use any of the GAP insurance, the credit union should give a refund and not be so hung up on making a profit. They made a profit by selling this service and if you pay off the loan, they should offer a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opt-Out Form Confirmation XXXX Thank you for your interest in the XXXX information suppression program. Your request to have information suppressed from publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from XXXX products and services. 

Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 

This suppression request does not expire, and XXXX will attempt to suppress all of the information available based on the information you provided in your request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a request, it is possible that personal information about you may be reintroduced to XXXX products in the future. If you become aware that your personal information is available through XXXX publicly facing products in the future, please notify the XXXX XXXX XXXX and the issue will be investigated so that we may take appropriate action. 

Should you have any questions regarding this confirmation notice, please contact the XXXX XXXX Hotline at XXXX. 

Enter another suppression request ... 






filed to not have public records
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$360.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I had filed a complaint with Wells Fargo Bank, due to a slew of charges that were taken out of my account, as my debit card was not in my physical possession. I have spoken to multiple agents and customer care representatives who have been absolutely no help in the process. Due to the nature of the charges that spanned across three weeks, I focused on the larger sums, which are as follows :XX/XX/XXXX : XXXX XXXX - XXXXXX/XX/XXXX : XXXX - XXXX XXXX - XXXX XX/XX/XXXX : XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXXXX/XX/XXXX - XXXX XXXX - XXXX XX/XX/XXXX XXXXXXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX When given a decision, Wells Fargo Bank denied my claim and requested that I go directly to the merchants to issue a refund. Therefore, I went to each merchant through chat and phone, in which none could assist, as the charges were done in-store, with the exception of XXXX XXXX. I called Wells Fargo once more and told them that the merchants authorized a refund and the Wells Fargo agent informed me they can not issue the refund and in addition to this statement, I can not open a new claim disputing these transactions. 
The amount I have disputed is high and it's frustrating beyond all belief for a bank to have protection for its consumer, yet refuses to utilize it to protect someone from these actions. I have contacted each merchant again, and still the same response from both parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # 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
Product: Credit reporting or other personal consumer reports

Experian 's response to CFPB complaint # XXXX did not answer my direct question as to why they chose to reduce my score by XXXX points based on a single credit card which has no credit limit and is paid off every month. In their response to my complaint, Experian pointed back to the creditor ( XXXX ) who responded that the card was paid in full and did not have any balance beyond the due payment date.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft. 
1. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX I am victim of identity theft and have included my FTC report. Please remove the account from my credit report. 
This company is reporting false information on my name and has not shown any method of verification on this account belongs to me.
Product: Debt collection

This avant- sends me emails daily and calls everyday used to call multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$730.00} MI XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft & did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts with Oklahoma Student Loan Authority. All four of my accounts were in partial family hardship/ income based with a payment of {$0.00} each month which was set to renew or expire XX/XX/2021. I submited my student loan discharge paperwork to Oklahoma Student Loan Authority ( OSLA ) on approximately XXXX XX/XX/2021. Since then, OSLA has continued to report my 4 accounts with them as past due. The accounts also went to collections all during the time the accounts were in partial hardship with an income based repayment of {$0.00}. The accounts were falsely reported as 120 days past due to all three credit bureaus. I have made numerous calls and sent an email for an attempt to bring a fair remedy. On the phone I spoke with several different OSLA representatives ; all of which told me a different story and blamed each of the credit reporting bureaus for the false information report to all four of my OSLA accounts. 

As of today XX/XX/2021 My student loans have all been rightfully discharged with OSLA except {$.00}. My last call to OSLA was on XX/XX/2021 at XXXX where I was assured the false credit reporting was corrected. To this day of XX/XX/2021 the false reporting of my account being 120 days past due payment information is still on my credit reports and have caused my credit score to drop 160 points.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, US DEPT ED 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.