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

On XXXX XXXX 2017, received by all 3 credit reporting companies by XXXX XXXX 2017, by land mail ; I wrote a very extensive dispute request to all XXXX credit reporting agencies ( XXXX XXXX, Equifax and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ).  After speaking with a representative from all 3 credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, XXXX XXXX, Equifax or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life. <P/>CFPB you got ta help me get this mess off my credit report. I am a XXXX year, 2 time XXXX veteran who could not work for years due to my XXXX connected XXXX diagnosed condition. This is what I get for serving my country? <P/>This clearly violates the CFPB requirement.
Product: Payday loan, title loan, or personal loan

XXXX had a security breach in witch my personal info has been out. Someone has been using my SSN to attempt to open credit cards and bank accounts. I have had my credit files locked and a security freeze placed on all three coedit burros Transform XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Address identification number XXXX They have issued credit to someone using my SSN with out doing a credit check and will not answer the phone. What appears to be Transform, has text me asking for peroneal information after I left them a message. This is suspicious to me. They will not call me or answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have recently checked my credit report and seen some inquiries I did not authorize : XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

I'm writing to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. 

He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. 

I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some charges on my credit card they were not mine I brought to the attention of the hotel they werent very nice and were not willing to do anything so I called the credit card company and made a dispute turns out they reported negatively to XXXX XXXX and XXXX And my credit dropped XXXX points and I learned just recently theyre not supposed to do that having a dispute does not affect your credit but it did the bill wasnt even in yet this is all within one week and I brought to the attention of the credit card XXXX and they said they pass the buck basically then I called the credit reporting are the credit agencies and they pass the buck back to the credit card company so nobodys willing to admit this or fix it like I said I learned that it was wrong for my credit to drop as a result of this so this sounds like a pretty big complaint I was getting ready to buy something and now I cant that is wrong and that Sounds illegal and I want this investigated I want some answers finally from somebody
Product: Debt collection

A company identified by my phone service as " Midland Credit Management '', is calling me every single day, with no comments. The few times I answered the phone, I just here silence. No even robot message. It is just absolutely annoying. Phone numbers used by this company to call on my cell are not always the same. I blocked some of them, but continue to vary and to call. 
This phone line where they are calling is new private line and it was not provided to any service provider. So can not correlate to anything other than the phone provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed are reporting inaccurately on my credit report and are not in compliance. Trans Union, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items listed below. this is the 3rd investigation, these accounts were never updated properly.

I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  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

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$7200.00} XXXX XX/XX/XXXX
Product: Credit card

I paid on my Walmart credit card over the phone {$300.00} the minimum payment was {$25.00} on XXXX/XXXX/2015. I paid more than required and the rep told me I would n't have to make another payment for the next few months. I never received any past due notices or emails, however XXXX/XXXX/2015 I received an email and a letter a few days later that my credit line has increased. I also logged into my account earlier this month and it said payment due date XXXX/XXXX/2015. The website was very misleading and the representative misrepresented everything to me. The only reason I knew my account was delinquent is because XXXX XXXX sent me an email notifying me there was a change in my credit report.
Product: Money transfer, virtual currency, or money service

I have two issues with coinbase repayment system. My first issue happened XX/XX/XXXX, my bank card had been hacked so one of my payments reversed on coinbase for XXXX. I made a repayment using my crypto wallet XX/XX/XXXX in full. On feburary 1st coinbase charged me of what i already paid back. I have not recieved a refund since then. My bank account got hacked for a 2nd time feburary 17th causing {XXXX} to be reversed from my bank account on feburary 23rd. Ever since then ive been trying to repay them back but i keep getting error messages & my account has been locked for trading since. I have the funds in my wallet & bank account but nothing works. Ive called support every day but nobody seems to know how to help me out. Im affraid if i don't speak up i will lose all my money invested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in an XXXX relationship. I ordered protection services through Experian. Their website is severely bugged and you can not get a human on the phone. Absolutely incredible. 

Additionally, the SMS shortcode I received from Experian appears to be shared with XXXX XXXX ( why does a corrupt gaming company have any affiliation with my finances? )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent early warning systems a letter which quoted the by-laws of the fair credit reporting act.. ( 611, 613 etc ) they did not investigate my file. Instead, they sent my a copy of my report. In my letter, which was sent by certified mail ... included my driver 's license, and social security card, Properly identifying my self. I also ask them to properly verify my account with signed contracts, signatures ... etc ... but not the use of the last 4 digits of my social security number. They did not do anything!
Product: Mortgage

Once again Mr. Cooper has failed to review my file for a retention option, neither did they ask for any documentation when rendering their decision. Prior to a decision being made and my need for additional financial assistance at the time, I contacted XXXX XXXX XXXX  XXXX, a federal organization whose goal it is to assist homeowners impacted by the pandemic with a grant. I was approved for {$10000.00} check # XXXX. Pursuant to the guidelines for distribution of those funds, XXXX XXXX XXXX XXXXXXXX mailed the funds to Mr. Cooper directly, in turn a staff member of the mortgage company sign a release form authorizing the processing of the monies received on their end. As of now Mr. Cooper is in violation of the contract signed and dated by XXXX XXXX on XX/XX/2021. 

Just a note, I am fully employed and not asking for my payments to be lowered, just to begin making regular or modified payments.
Product: Money transfer, virtual currency, or money service

This happened a while back in XXXX  the month of XXXX I believe. I was scammed for XXXX  dollars. Sent the money through Zelle and got into contact with Zelle immediately after it happened to get my money back. I couldnt get it they told me it already left my account and I couldnt get it back.
Product: Money transfer, virtual currency, or money service

I have been using the Zelle App and Zelle transfer service in my banking app and I feel mislead by the app or owner about the safety of my own personal information and the rights of protection offered to me when I am looking to refute a transfer.

I had no idea how unsafe this app is and I feel like knowing my phone number is enough to know how to access my private banking accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 collection agency IC Systems reported an open balance of {$1000.00}, I contacted the original creditor XXXX XXXX and XXXX  to advise them this was included in Chapter 7 discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Product: Debt collection

I am writing to formally dispute several accounts reported on my credit file. I have previously requested debt validation for these accounts from the following collection agencies, all of which have failed to provide sufficient verification. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts must be deleted from my credit report, as continued reporting of these unvalidated debts is inaccurate and damaging to my creditworthiness. 

In addition, my personal information has been compromised in the recent XXXX and XXXX XXXX data breaches. As a result, my sensitive dataincluding social security number, financial account details, and other personal identifiershas been exposed on the dark web. These breaches have made me vulnerable to identity theft, and I believe my information may have been fraudulently used or mishandled in connection with these collection accounts. Due to the risk of inaccurate reporting and the potential for fraudulent debt, I request that all disputed accounts be promptly removed from my credit file. 

Accounts in Dispute : Plaza Services LLC Account Number : XXXX Balance : XXXX XXXXXXXXLegal Basis for Deletion 1. Lack of Verification Under the FCRA These accounts were disputed with each collection agency, and none of them provided valid proof of my obligation to these debts as required under the FCRA, 15 U.S.C. 1681i. According to Section 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from my credit report.

2. Compromised Personal Information Due to Recent Data Breaches As a victim of the recent XXXX and Cash App data breaches, my personal information has been exposed on the dark web. This breach has compromised my identity, and I have reason to believe that the accounts listed above may be inaccurate or the result of fraud. Exposing my credit file to potentially false and damaging information places me at further risk of financial harm. Given this background, I urge you to take this matter seriously and remove these accounts from my report under 15 U.S.C. 1681c-2, which provides consumers with rights to block fraudulent information resulting from identity theft.

Action Requested I request that each account listed above be deleted from my credit report with XXXX, XXXX, XXXX, and XXXX. 
Please provide a written confirmation of these deletions and an updated copy of my credit report, reflecting the removal of these unverified and potentially fraudulent accounts. 
Failure to comply with this request will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I may also pursue legal action if my rights under the FCRA continue to be violated.

Thank you for your attention to this matter. I expect your confirmation of the deletion of these accounts within 30 days of receipt of this letter, as required by law.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Director XXXX, Wells Fargo Initiated the Foreclosure, Judgement and Sale of my property, by claiming in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX New York in the documents they submitted that they were the owners. W/F never litigated the ownership, but just objected to the filing of my bankruptcy, the bases for dismissal. 
I kept insisting that I never had any banking relationship with W/F and continued to request in every complaint to W/F and CFPB, how could the foreclose and sell property, they did not own, never a response. I finally received multiple letters from W/F, which the state, they were not the Owners, Investors, Originators, Servicers or Acquired a mortgage on my property. So, how could W/F claim to be the owners to the courts, that they were the owners and misrepresent to the courts to allow them to sell my home. W/F was captioned as Plaintiff and referenced as owner in all documents, including the sale. 
My mortgage was owned by XXXX, who I was current until W/F claimed to be the owner. W/F has been in contact with XXXX who copied me in their response and provide a history of my mortgage that XXXX confirmed they were the owner. I saw XXXX 's response, correct there was no error with their mortgage, but Wells Fargo by their own admission Never Owned a Mortgage on My Property, and I have all the documents to verify., I have documents that were provided by XXXX XXXX XXXX XXXX XXXX XXXX F.D.I.C. , Title Search and NYS Licensed Private Investigator who was retained to validate documents that W/F submitted to the courts. 

I am respectfully requesting CFPB to do the job that they are responsible for enforcing and request a XXXX XXXX.
Product: Student loan

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on Loan accounts under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CAPITAL ONE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Money transfer, virtual currency, or money service

I used ZELLE to transfer funds, however there was no warning to make sure I was sending to the correct person so when I typed in the incorrect number and hit send, the funds went to the wrong destination.
Product: Credit reporting or other personal consumer reports

old reports on my credit file disputed several times about incorrect information and still shows experian XXXX and XXXX still wont comply with any of my request
Product: Checking or savings account

On XX/XX/XXXX I checked my Card.com account and notice {$940.00} was withdrawn from my account. I called Card.com and had my card canceled and ordered another one. I disputed the charges on XX/XX/XXXX I filed a police report with XXXX XXXX XXXX Police Department case # XXXX to assist in the investigation. I feel that there will not be a thoroughly investigation. Cameras are at the location of the crime so it should be an easy investigation. Just get the camera footage. Please help!
Product: Vehicle loan or lease

Capital One Auto financing has been assessing most of my monthly and weekly vehicle payments that I have been making toward the interested rather than the principle. They continue to state that I'm late and behind when during the Covid pandemic 3 different months of extended time which was added to the end of the loan term which gave me more months to pay they are currently adding those 3 months to the current bills as if I'm late when those months were added to extend a longer loan term and after further review into my account I found that Capital one has being applying usury to my account and exceeding in the amount of yearly interest and my state of XXXX requires as well as my contract. 
They continue to threaten me with repossession for a Vehicle payment of which is not late, and I've made numerous attempts to make validation to their error, but I have yet to receive a response but more threats of Possession. I've requested proof but all they say is look at the contract I signed on the interest, but they have yet to provide me with absolute validation to the late payment claims.