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

my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

Capital One Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Capital One NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Product: Debt collection

HIPPA, protection of privacy and medical records Violations, No Responses even after 30 Days. It's not my bill or debt. Please update your file to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my Experian and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX  credit card. I financed with XXXX. bought a XXXX XXXX. had a XXXX XXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX. my dad has had a XXXX XXXX  for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I was really upset to see unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report regularly, and this time, I found discrepancies out of the blue. I even tried refreshing my browser to make sure it wasnt a glitch, but the inquiries were still there. Im frustrated and asking for the documents Ive provided to be thoroughly reviewed so that I can put this issue behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Florida department of revenue XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/2014 I was ordered to pay child support, due to unemployment over the years I was unable to pay for months at a time, florida department of revenue is stating I owe XXXX, I never borrowed money from them to be an obligor, and financial and securities companies are constantly telling me I have to get the child support debt down before they can hire me. This is effecting my ability to advance my career and gain more income to provide for my family. 

Experian has this debt on file acct # XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$4200.00} ; US DEPT ED XXXX Balance : {$17000.00} ; US DEPT ED XXXX XXXX : {$9400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation I would like this item immediately re investigated this is highly injurious to my credit score. XXXX XXXX XXXX accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation
Product: Credit reporting or other personal consumer reports

I wish to follow up addressing a matter of great concern regarding fraudulent activity that has affected me. This message is a follow-up to request the elimination of specific entries from my credit file, attributed to alleged fraudulent activities. As mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expedite the removal of such entries no more than four business days following the submission of the previous complaint on XX/XX/XXXX. I have previously communicated this issue through a formal complaint, and I restate my concern here, accompanying it with my updated FTC Report # XXXX. I must underscore that the details of the disputed entries are entirely unfamiliar to me and have been removed by other credit bureaus, leading me to question their validity. Here are the items for removal listed per bureau : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am compelled to inform you that failure to act on this request will necessitate legal action. My legal representatives are fully briefed and ready to enforce accountability for any deliberate negligence. This notice serves as your final admonition. I urgently request the removal of the inquiries associated with the alleged fraudulent activity.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to return my leased XXXX XXXX XXXX. It was due on XXXX met with the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL ) to turn in the lease vehicle and he informed that I will have to pay the disposition fee unless I purchase or lease a new vehicle. We discussed my budget and desired vehicle. He then went to check the inventory and came with an option to buy a new vehicle that I agreed to purchase and finalized the transaction. During the transaction, he confirmed to me that there will be no disposition fee and it will also be clearly mentioned in the grounding receipt. I received the grounding receipt the next day ( XX/XX/XXXX ) and I noticed that the " Vehicle Disposition '' section was not filled correctly. I immediately wrote to XXXX and he confirmed to me that there will be no disposition fee. 

On XX/XX/XXXX, I received a statement from NAMC ( Nissan Motor Acceptance Company ) with disposition fee. I sent it to XXXX and have gone back and forth by email with him as well as NAMC. Per XXXX, NAMC will remove the disposition fee " ONLY '' if I call, which I did 3 times but NAMC agents tell me that it's in the process of being removed and should not take this long. It has not been removed to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX, and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

I'm Filling this complaint because I sent US Auto Credit a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if US Auto Credit fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

Its not letting me link the bank to my apps saying that theres a problem linking with this bank or it says that the bank changed authorizations about letting me link accounts to my apps without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have XXXX breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX. {$56.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX 8 ) XXXX.. {$52.00}
Product: Credit reporting or other personal consumer reports

" Nationstar Mortgage '' account is erroneously listed as adverse despite the account being paid-in-full & closed & satisfactorily OK. This misnomer & mischaracterization of that satisfactorily settled Mortgage accountis negatively affecting my Credit Score and abitlity to secure Rental & Job opportunities. Please fix that egregious inaccuracy as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

I am responding to the company 's response to complaint XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response. Per the company 's response they admitted to placing the account with XXXX XXXX XXXX, XXXX. ( which a law firm ) to further collect debt from me. Per 15 USC 1692e ( 3 ), a debt collector can not be an attorney, so if I was being sued by a debt collector an attorney should not be present. Although they did not garnish my wages, they did seize my bank account for a certain and took the money that was in the account.
Product: Debt collection

There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a paid charge-off account on my credit report. was fully resolved on XX/XX/year>, yet it continues to be reported as a charge-off monthly. This practice is both inaccurate and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, particularly 15 U.S.C. 1681i, consumer reporting agencies are required to ensure maximum possible accuracy of information reported. Reporting a paid charge-off as an ongoing delinquency each month is a misrepresentation of the account 's true status and negatively impacts my creditworthiness.

Additionally, under 15 U.S.C. 1681c, outdated or incorrect information should not remain on a credit report if it does not reflect the account 's current status. Since the debt has been resolved, further reporting of this account as a monthly charge-off constitutes a violation of these provisions.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went through their website to receive a payoff quote and then I did a balance transfer on my credit card to send them a check to pay off the loan. On XX/XX/XXXX I noticed an e-mail that said the payoff was not completed because the check was mailed which directed me to call and finalize the payoff amount. Which I subsequently did on XX/XX/XXXX and the representative I spoke with assured me the amount quoted would pay off the loan. The company is now refusing to honor thr payoff quote. I call and they hang up on me.
Product: Mortgage

I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and Cash App 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 Cash App 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

Reviewed recent credit report and found billing inaccuracies; late payments do not reflect usual timely payments. Requesting update.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated on XXXX If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from 14 to 45 days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to Transunion, XXXX, and XXXX to have this ran as one inquiry being that is was in the 14-45 day time frame. 

On my XXXX report it only shows one inquiry because it was done within the timeframe.