23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 a check and my id was stolen from me. The check was cashed fraudulently at Aplus Financial XXXX XXXX XXXX Ga for {$7100.00}. A place report was filed and arrest warrants have been issued. This facility has surveillance of the perpetrator. I've not been able to to secure a refund from this facility.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible to tracking these transactions was infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion a certified letter disputing the following inquiries, but still no feedback XXXX Credit Stack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraud Victim Assistance Department Dear Sir or Madam : This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included inaccurate information in my credit profile. Due to its damaging effects on my good credit standing I have been wrongfully denied credit. Credit reporting laws ensure that bureaus report only accurate credit information. This inaccurate information is a mistake on either you or the reporting creditor 's part. 
With the proof and proper documents that I'm attaching to this letter, please remove all negative items from my credit report. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have also received letters from Equifax and XXXX detailing my information was found in their data breach. I have received notifications from XXXX and XXXX that my data has been found on the Dark Web, along with my mailing address being found on USPS mail forwarding system. I was not receiving mail for some and received confirmation from the USPS that my mail was set up for mail forwarding. I immediately contacted USPS and notified them I never consented to my mail to be forwarded to another address. I did not authorize any of the following above. Items I am disputing do not relate to any transactions that I have made or authorized. I have also attached a copy of the notification from XXXX of my email being compromised. Theres a name listed on the notification as well. Please remove this information at the earliest possible time please. 

XXXX XXXX XXXX XXXX Balance {$9100.00} XXXX XXXX XXXX XXXX, WA XXXX Account # XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX  hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

I have had several issues with payments not being posted to the account or the charge being doubled. I put in writing and mailed it to cancel the card and agreed to make payment arrangements. Some how someone tried to reopen the account. This account needs to be closed.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation XXXX lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing. 
In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation. 
I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines XXXX to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
Product: Consumer Loan

Security National has wrongfully repossessed my car on XXXX separate occasions. The first time my car was repossessed, Security National made an error on processing a payment deferment and repossessed my car while I was serving a 12 month XXXX. No notice was given after the repossession and my wife believed the car to be stolen. Upon further inspection after returning my vehicle there was significant damage to the front of my car consistent with the repo company improperly towing my vehicle. I immediately notified Security National of the issue and sent detailed photos of the damage. My complaint was however ignored and I was never compensated for the damages or the loss of use of my vehicle. A year passed since this incident and I was forced to file chapter XXXX bankruptcy for some uncontrollable circumstances. I filed a successful motion to redeem my vehicle from Security National at the fair market value. Security National failed to adhere to the court order and held the title to the vehicle in excess of 30 days after the funds had been received far exceeding the 3 day mandated surrender of the title annotated in the court order. During this time they continued to aggressively seek the recovery of my vehicle by having repossession agents come to my home. I contacted Security National about this issue and was told by a representative that they were still seeking to collect a debt from me and were unaware of any court documents sent to them even though the check sent to them had been cashed almost a month prior. It was n't until I was put on an extended hold and told that the documents had been magically found that I was reassured the issue would be resolved and the account would be closed, the title sent out and the repossession efforts would cease. Almost two weeks had passed following this conversation and another repo agent successfully repossessed my vehicle on a Sunday at my residence. I was unable to seek any kind of help because of this and was n't able to contact Security National till the following day. The repo company blamed Security National for not rescinding the repo order and Security National blamed the repo company for not receiving notice to cancel the order. Irrigardless of their communication issues I was still a victim of my car being unlawfully repossessed when Security National had no legal ownership of my vehicle. Again, I was never compensated for the inconvience or loss of use of my vehicle for this second wrongful repossession. The disorganization of this auto lender is appalling and I feel what has happened to me is unacceptable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX 
Account Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

XX/XX/XXXX I found accounts that were in collections and inquiries on my report that I did not authorize, had no knowledge of and did not belong to me. I contacted the FTC filled out an Identity theft affidavit and filed a police report. I placed a freeze with each credit bureau and started contacting the fraud department of each creditor. I sent my police report, letter from the police department, proof of identity, FTC affidavit to each creditor and the credit bureaus. XX/XX/XXXX all items were sent again to each credit bureau for all items and inquiries that I was still disputing. Equifax is refusing to remove information from a Creditor XXXX and inquiries stating because it is being validated as mine by the collection agency and the creditors, However when the collection agency XXXX was contacted they stated that they never received anything except the police report from the credit reporting agency. Equfax is allowing a creditor to validate a debt based off of information that was stolen from me, name, dob, ss and previous address that was in my wallet when stolen and information that they are sending to them like my current address.
Product: Credit reporting or other personal consumer reports

These accounts need to be deleted from my report expeditiously. No individual nor company had my permissible consent to place these items on my credit report in reference to 15 USC 1681b. This has been the 3rd attempt I've tried to get you all to resolve this issue. You continuely disregard the matter, knowing this goes against your policy according to the FCRA standards.. 
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 card

I recently received a new Social Security Number and I am trying to provide it to Capital One. However, I have called Capital One and they refuse to allow me to update that information on my account without mailing or faxing documents containing my sensitive information to them.

These methods are both insecure and inaccessible, given that very few people own fax machines in 2024 and that mailing documents is not free. This is clearly a discriminatory process, and other options should exist to update my account Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has companies that I lave listed 2 times that I did not apply on hard credit nor can TransUnion prove or has TransUnion provided any documents or credit applications under hard credit to prove I applied for companies I never herd of or applied by my signature. Futher more transunion does not address the issues of Credit companies that ran my credit without my permission nor can TransUnion provide any substance to back that companies ran my credit illegally with out my permission. I have provided Transunion 2 times with no clear answer to prove on there part I sign or applied for the companies I have listed 2 times. Its nothing but fraud on TransUnion part with no proof. As to soft inquires I have opt out of all promotional inquiries as to TransUnion keeps selling information and violating my rights after sending letters U S Certified to transunion back in XX/XX/2016 tostop selling or market  me for profit after I opt-out time aftewr time which is my right.
Product: Credit reporting or other personal consumer reports

I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.
Product: Debt collection

On XX/XX/2023, I received a letter from XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. This letter contained information suggesting I owed a debt to Barclay 's Bank of DelawareXXXX XXXX XXXX XXXX XXXX. This is a judgment, interest, and the total amount attempting to collect is {$6600.00}. The case number is XXXX. I contacted the XXXX 's Office this morning, XXXX, and spoke with the individual handling this case. XXXX XXXX XXXX, Deputy- contact number is XXXX. XXXX XXXX gave me the telephone number to contact XXXX and XXXX. I immediately contacted her via telephone today at XXXX XXXX  XXXX. I spoke with a lady named XXXX. I explained to XXXX XXXX that I do not owe this debt. I then requested their mailing address and proof of this debt. I was informed that they would mail out information to me within the next thirty days showing proof of this debt. My major concern is negatively affecting my credit bureau, as well as this hanging over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is towards XXXX XXXX XXXX agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. XXXX as Violating Consumer Laws Section 15 U.S. Code 1611. 

It states on XXXX This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which XXXX as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore XXXX and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for XXXX to remove These Negative items from my Credit report Immediately.
Product: Student loan

They keep telling me I co signed but I never co signed, I never signed a promised note.

I am also on SS. I haven't spoke with my daughter in 7 years ( her choice ) and she won't tell me where she is. My son said he would like to have a settlement with Navient ( {$5000.00} ) as long as it doesn't effect my credit.

This student loan was for one semester that she never completed.

I have asked Navient to take me off the creditor list but I got no reply.

Again, my son said he would settle this loan for {$5000.00} as long as it doesn't effect my or his credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the action taken by the Credit Bureaus! It appears that my credit has been compromised and yet the Credit Bureaus have been ignorant! I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any account and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$19000.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$9700.00} XXXX XXXX  XXXX Balance {$6500.00} XXXX XXXX  XXXX Balance {$3200.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with the Florida Attorney General 's office in XXXX of this year against my mortgage servicing company Wells Fargo for incorrect negative credit reporting. They agreed ( in writing ) as well as advised the FL AG office they would do so as I have been attempting to get them to do the right thing by me since Hurricane Irma when they began a campaign to steal my homesteaded property from me. ( Which is actually the second time they have pulled stunts and tried to steal my home ) I have filed a lawsuit against them which is currently in US Federal Court at this time. I am seeking damages from them for the negative credit reporting, as well as many other violations and negative actions they have used to attack me for the past 2 years. 

Despite all of this, they believe they are above the law ( their Attorney actually claimed in a pleading that they are National Bank and therefor are allowed to violate anti-fleecing laws ).  However, they are not a bank- in this capacity they are acting as a mortgage servicer, which does not give them the right to price gouge or otherwise engage in attempting to steal hurricane victims ' homesteaded property. 

Additionally, due to their actions of reporting false negative credit information I have been negatively affected in my day-to-day life. I am paying more for insurance that I should be and just lost the opportunity for a new job. 

Please make them keep their word to both me as the consumer and to the FL AG office to suppress any and all negative credit reporting until my court case is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$24000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.