23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2014 I was used in court I never received notice or letter to go to court to defend myself, my bank account was garnished two time for a balance less than a dollar, the bank charged me a XXXX fee both times and placed a hold on my account. I didn't even get a notice from the bank, I received a letter by request from the company of triple charges and fees on 2 charged off credit card accounts, false signatures, and no full validation of these debts, I started making payments out of fear of my bank account being over draft or placed on hold, I have checked with the credit bureau and there is no listed debt or delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this Discover Bank several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.
Product: Credit reporting or other personal consumer reports

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically, i also did a debt validation and the company defaulted which was sent to all 3 credit bureaus
Product: Debt collection

diversified consultants a collection company, placed a XXXX XXXX XXXX collection in the amount of {$3700.00} to all 3 credit bureaus that does not belong to me. this collection was removed previously by all 3 credit bureaus when diversified consultants did not have proof that this collection was mine. 

on XXXX, XXXX 2018 they placed the same collection back on all 3 credit bureaus, damaging my credit. this illegal collection needs to be removed immiedatly from all my credit bureaus.
Product: Debt collection

I received a letter from a company I've never heard of. First things first .... I HAVE NO DEBTS ... WHATSOEVER!!!! These people are frauds and scammers!!! This collection letter states that I owe {$3700.00} ... I don't owe anybody anything!!!! What a sad world we live in, when we have criminals sending us fake letters, to hand over money that doesn't belong to them. I must admit they are getting pretty bold and desperate in this pandemic time period!!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such failing to forward consumers- provided evidence to funishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items and despite the evidence I provided, casing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian inactions violates federal law and my and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On my Transunion and XXXX reports its showing that XXXX financial which is my car loan company has reported 9 missed payments which is inaccurate. 
I have tried to call the company and speak to someone about this but its getting no where. 
I requested to be provided with specific proof that these alleged late payments were in fact late. 
I have had an account with this auto loan company since XXXX. Reporting 9 missed payments is not correct. Their would have been a repo order out on the car and I have never had anything like that happen.
Product: Debt collection

I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

Hello, My initial loans were federal loans, which I then consolidated with one of the larger companies ... XXXX XXXX, I believe. Seven years ago, my loan was bought by another company, American Education Services. The main problem I am having is this : Many months, I would send in more than the minimum payment, typically {$20.00} or so. Some months ( only a handful ), if I had forgotten that I made a payment already, I made two full payments of {$130.00}. About two months ago, my minimum payment was raised from {$130.00} to {$290.00}. This is due to the ORIGINAL consolidation terms being a balloon repayment plan. ( That is a whole other story to get into later ). 

I started looking into my loan payments and balance amounts at this point, however, and realized that for almost two straight years, not a single amount of my monthly payment went toward the principal of the loans. During the other years, anywhere between 5 to 7 of the 12 payments during those years saw the same situation - not a single amount of the payment going to principal. 

I sent them an email questioning them on this, and they send back some XXXX information about how, in their opinion, they do not have to put money toward the principal, that they can allocate the money toward interest for the next month.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I have submitted a police report and my FTC identity theft affidavit but some creditors keep coming back on my credit report and it is hurting my score 50-100 points every time.
Product: Credit reporting, credit repair services, 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 any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, I received rent payments from my roommate through PayPal. Paypal then locked down my account under suspicion of fraud. They gave me a series of task to do to verify my account & fraud activity ( asking for proof of address, ID, bank statements, & etc. ) Despite my cooperation, they still shut down my account. I was told I can not access my money until half a year, 6 month after. They have also told me that I have to wait for them to contact me on how to get my money back from PayPal. It is now XXXX and there is still no way for me to get a hold of my rent money from PayPal. They have also made it extremely difficult to navigate their website to retrieve this money & have not told me any actual reasons to shut down my account
Product: Credit reporting or other personal consumer reports

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting

TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( ACCT # XXXX ) ACC BAL : {$1900.00} This account has been charged off and sold. Please delete. 
2. ACCT. NAME : XXXX XXXX XXXX ( ACCT # XXXX ) ACCT. BAL : {$25000.00}. This account was closed. Please delete. 
3. ACCT. NAME : XXXX ( ACCT. # XXXX ) ACCT. BAL : {$220.00}. This account was charged off. Please delete. 
4. ACCT. NAME : XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$1200.00}. This account was charged off. Please delete 5. ACCT NAME : XXXX XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$31000.00}. This account is closed. Please delete.
Product: Money transfer, virtual currency, or money service

XXXX Co {$2500.00} dollars for a shelf corp see attach Was scammed and want Wells fargo to close this fraud account and refund my money Account money was tranfered to XXXX fargo account number XXXX routing number XXXX
Product: Debt collection

I received a letter from Lien Enforcement , Inc. to collect a debt of {$4600.00} dated XX/XX/. 

I sent a letter through USPS Certified Mail with Return Receipt on XX/XX/XXXX  that requested additional information for debt validation. This request for additional information for debt validation included the request for information such as the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, the amount owed, and verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

The USPS Return Receipt was signed by the addressee with a date of delivery on XX/XX/. 

I have not received any written communication related to my request for additional information to validate the debt as of XX/XX/. 

The only written communication I have received from Lien Enforcement , Inc. as of XX/XX/XXXX  is another letter stating that a debt is owed and a negative credit report may be submitted to a credit reporting agency
Product: Mortgage

I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to formally dispute multiple inaccurate and negative accounts being reported by Transunion on my credit report. I demand an immediate investigation and removal of the following accounts off of my credit report. Due to these errors, I have suffered severe financial hardship and this has prevented me from securing a mortgage, placing me at risk of homelessness. Additionally, the undue stress caused by this ordeal has resulted in emotional distress, damage to my reputation, and economic loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS INCORRECT INFORMATION ON MY CREDIT REPORTS THAT DOES NOT BELONG TO ME. I HAVE TRIED TO CORRECT THIS INFORMATION WITH EXPERIAN AND THEY HAVE REFUSED TO REMOVE THE INFORMATON. ALSO THEY HAVE MADE IT WHERE I CAN NOT RECIEVE AN UPDATED CREDIT REPORT. I AM ASKING EXPERIAN TO DELETE ALL OF THE INACCURATE NAMES, ADDRESSES, SSN, PHONE NUMBERS, AND JOB IFORMATION THIS IS NOT MY INFORMATON IT IS EITHER FRUAUDLENT OR INACCURATE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

I am writing this to formally expresd my concerns regarding Zelles handling of disputes, in particular in light of the recent CFPB lawsuit highlighting significant issues either 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 was not feasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put the same numbers back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

At first they reached out to as MCM I asked them for some information and something with my signature I didn't receive anything but I keep getting phone calls from different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
Product: Checking or savings account

On XX/XX/2022 there were four ( 4 ) transactions from the account I have with Cash App in the amounts of {$3000.00}, {$2000.00}, {$1000.00}, and another {$3000.00}. The transactions were fraudulent and I disputed the transactions on XX/XX/2022. I also disputed the transactions with my bank and my bank stated that Cash App is responsible for the fraudulent claims. Because of this matter I have went to the authorities to have this issue rectified. Law enforcement has instructed me to try to dispute the transactions again. I did dispute the transactions again on XX/XX/2022. Cash App again, denied my claims. I have proof/evidence of my account being used fraudulently, though this matter can not be resolved with my bank until Cash App returns the funds to my Cash App account so that the funds can be given back to my financial institution I'm which the money is owed.