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

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  XXXX- {$280.00} )
Product: Checking or savings account

XXXX XX/XX/year> ; Sunday XXXX ; XXXX XXXX, XXXX, NY XXXX0 ; CHASE BANK XXXX XXXX ATM, I wanted to make a cash deposit {$3.00} to pay the rent, the ATM took the money and stopped working, the information appeared on the screen that there was some kind of problem with the ATM and I needed to make a phone call : XXXX. That's what I did. They said, that the money would be credited to my account within 1-2 business days. After 2 business days had passed, I contacted the bank again and they said that now I need to wait another 10 business days, I requested some written confirmation that I had contacted them with a complaint so that they would send it to my email, they refused me this, also they did not they gave me a specific date when I will be able to receive my money, I am very upset about this situation, because I had to pay this money on XX/XX/XXXX for the rent of my house, because of this I could not do it on time and have to pay a fine. I'm also worried that I'll get my money back at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i noticed on my credit report that a fraudulent account was posting to my Experian and XXXX report. I promptly sent out a police report along with a Affidavit and other documents supporting that i indeed was a victim of Identity theft. I waited the a lotted time to see this account removed and instead it was updated. If by law i supplied the proper documentation and police report how could that be?
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under
Product: Credit card or prepaid card

XX/XX/2022 Payment amount XXXX I called 2 times to find out what happened to the payment no straight answers and both calls they hung on me when I repeated ask why the payment was put on hold this has never happened to us before. 
On XX/XX/2022 the XXXX payment was taken out of the account and no payment was credited after XXXX XXXX XXXX to the account. 
We are concerned about the unlawful practice that capital one has taken out money from the checking account on XXXX but no credit has issued yet there has been no credit to the credit card as of the time of this complaint. 
We received no notification that the payment was put on hold my was for what we never had with making our payments. We had to pay rent thank goodness we had extra other places to pay our rent! 
As of this complaint we have not received a clear answer to our question but a bunch of scripted nonsense that makes absolutely no legal practice and abuse of our account and how and why we are being treated unfairly. 
And for the stress that capital has caused us .we want an additional credit of XXXX for the abuse, stress and unfair treatment that capital has put us through.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I represent a protected person as court appointed guardian. The company was supplied with a guardianship order.

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a proted person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13.

Protected person 's any and all information, not limited to documents, histories entries are also protected and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1.
Natonal Credit Systems , Inc was repeatedly contacted ;, and they failed to provide any information and authorities that would superseds Indiana Guardianship Act.
Product: Money transfer, virtual currency, or money service

Unable to get a answer as to why my account was closed unable to talk to a live person have been trying for the past XXXX years I only keep getting message saying violated terms of conditions but no one can tell me what was actually violated account was used for direct deposit of paycheck
Product: Checking or savings account

I had a account with BBVA Bank ( now PNC ) and was charged 2 times for a XXXX bill I never tried paying I didn't have the money in my account and was put in debt and charged over draft fee I talked to them about it but they wouldn't help me.
Product: Credit reporting or other personal consumer reports

My mortgage is held by Guild Mortgage. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to all three credit bureaus. I have received several emails saying they are going to investigate ; however, each time they have failed to submit the update to the credit bureaus. Additionally, the monthly payment should have reflected {$2000.00} but for over a year, it reflected {$3400.00}. In XX/XX/XXXX, I was informed that it would be updated XX/XX/XXXX ; however, as of XX/XX/XXXX, the credit reports still did not reflect the update. Every time I speak to the company, they encourage me to wait until the next month for the update to be reflected. I have email communications ( attached ) with Guild to prove the aforementioned. Unfortunately, as of XX/XX/XXXX, no updates have been reflected on my credit reports and nothing has been done to rectify the financial turmoil I experienced during this time. This situation has affected my buying power and has violated my rights under FCRA and possibly TILA and UDAAP. 

All communication, statements, and disputes through the credit bureaus XXXX XXXX XXXX XXXX ) have been attached.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my consumer report and request the removal of outdated information maintained by LexisNexis. I recently conducted a review of my credit information as a precautionary measure following notification of a data breach that XXXX have affected my personal information.
Product: Debt collection

XXXX XXXX P.O. Box XXXX, XXXX XXXX. MO XXXX on XX/XX/XXXX I was sent notice from the above for an amount of {$190.00} for a bill from XXXX XXXX from XX/XX/XXXX. I immediately sent XXXX documentation from Social Security/Medicare stating I did not owe this. XXXX is refusing to resolve this issue
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. Ive received my report and found names, addresses, accounts, and employers listed that I do Not recognize and does Not belong to me. Please remove immediately. Thank you. 
Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax information services keeps reporting a bankruptcy on my file in various was its been deleted multiple times then re added with new date new filing statuses and different case numbers which all has been documented since 2016-present
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy being reported on my credit report. The credit report states that this bankruptcy is furnished by the U.S. Bankruptcy Court of Alabama, but after contacting the court, they confirmed that they do not furnish or report any information to credit bureaus. Therefore, the bankruptcy information currently being reported by your agency is unverifiable, false, and misleading.

This bankruptcy has been incorrectly listed on my credit report for several years, despite my consistent disputes claiming that it is not mine. I am requesting immediate removal of this inaccurate information from my credit report, as it is causing unnecessary harm to my credit profile. 

Please investigate this matter AND STOP USING OCR ( IF I AM TELLING YOU ITS WRONG PLEASE COMPLETE A HAND INVESTIGATION OR JUST REMOVE IT ) and provide me with confirmation that the false information has been removed. I appreciate your prompt attention to correcting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I received a credit notification that Eastern Account System had an order of collection for {$XXXX}. I never received an email or phone call. I called Eastern Account for more information and they hung up on me. I then went through XXXX, and figured at the collection was for a XXXX, though I had already paid a bill and returned all the necessary equipment to XXXX. I disputed the collection twice and was met with little to know information of why I was still being charged an additional {$XXXX}. XXXX also has not explained the additional debt. I need help getting specific information on what I am being charged for and why it hasn't be removed if all equipment and services have been completed and returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a returning customer to US Auto sales at XXXX XXXX XXXX, XXXX, GA XXXX. I traded in my previous vehicle being a XXXX XXXX XXXX in for a XXXX XXXX XXXX on XX/XX/XXXX. At that time I purchased a 2 year car warranty to be included in with my car payment. As of XX/XX/XXXX It was notified that US. Auto went out of business. We were told to pay Westlake Portfolio. I was told that i had to pay this company from now on for my future car payments. I was unaware of any information that had been sent to this company with all my personal information. I had not given consent to US Auto to give any of my information out. I was told by Westlake Auto that if i did not pay them, then my car would be reposed. I requested on several occasions for a contract between myself and westlake. I was told that they did not have a copy of it. At one point i was told that my old contract did not matter and that i needed to pay them. I was told that they had power of attorney over all US Auto accounts. XXXX car was reposed on XX/XX/XXXX. My lien holder is listed as US Auto not Westlake. On my credit report it is listed from US Auto as being closed and paid off. Then its listed that i have an account from Westlake Portfolio with amounts and the purchase date as the date that i purchase my care from US Auto, not Westlake. This entire ordeal has been a nightmare from XXXX. I've lost sleep, had XXXX and suffered from XXXX due to all of this. I am a single mother of XXXX kids and they came and took my car from me and wanted me to pay more money in order to get my car back. US. Auto breached my contract that i had with them, as well as not upholding my warranty that i purchased. I am requesting to have BOTH accounts removed from my credit due to the inaccuracy of information report to the credit bureau as well as my personal information being given to a company that i do not have a signed contract with nor listed as my lien holder. I have my original contract that i signed on XX/XX/XXXX with US Auto. I do not have any other contract that i signed nor agreed to pay for the vehicle that was taken from me. It has cost me a great deal of money, loss of sleep and pain to go through what i have been going through. This is terrible. The amount that is reported from westlake as my monthly payments is incorrect as well as the balance that was due. It is reporting on my credit as a repossession from Westlake and a monthly payment of {$550.00}.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2023 I was messaged back about renting a room in a home for {$500.00}. He texted that it would be a XXXX $ Refundable application fee. He asked us to send it over Zelle and we did. He then asked for {$300.00} deposit for the room. I told him I didnt receive and email for the application and he kept stating he wanted the {$300.00}. I asked to make a call so I can verify that this is real or to meet up to give him the money but he refused so I knew from there it was a scam. I called my bank ( XXXXXXXX XXXX ) and they said they cant dispute it because its a Zelle transaction and to contact my local authorities.
Product: Debt collection

RECEVEID NOTICE FOR DEMAND OF PAYMENT OF ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES ... '' XXXX XXXX XXXX  AND XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is willfully in violation of the Fair Credit Reporting Act ( FCRA ). In conjunction with an earlier complaint ( CFPB Complaint ID : XXXX ) to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX refuses to report accurate account status and balance information to credit reporting agencies, specifically Experian. 

In their response to CFPB Complaint ID : XXXX on the XXXX of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX claims that their office is still looking into this matter ; however, their claims is inconsistent with the facts : 1. A signed statement from a XXXX XXXX XXXX XXXX XXXX retail branch manager, XXXX XXXX, on the XXXX of XX/XX/XXXX details the transaction that paid the loan in question, including a statement transaction from XXXX to present. 

2. A collection agency called : XXXXXXXX XXXX XXXX XXXXXXXX, which was hired by XXXX XXXX XXXX XXXX XXXX to manage the same account reported the account is paid and the balance is {$0.00} on or before the XXXX of XX/XX/XXXX - XXXX days before XXXX XXXX XXXX XXXX XXXX responded to CFPB that their office is looking into it. 

Note : a separate complaint was filed against XXXX XXXX XXXX XXXX  with the Washington State Department of Licensing in order to force compliance from XXXX XXXX XXXX XXXXXXXX to accurately report account status and balance information in a timely manner. 

XXXX. XXXX updated the same account information on the XXXX of XX/XX/XXXX. 

XXXX. On the XXXX of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reported to Experian that the account in question was unpaid, and the balance remained {$3100.00}. A copy of that dispute report is included here for reference. 

Altogether, this clearly proves that XXXX XXXX XXXX XXXX XXXX is willfully violating the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  : Account number 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 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCIAL   XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. Balance was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.
Product: Debt collection

The collection agency under the name of LVNV Funding LLC contacted someone I know regarding a XXXX XXXX Bank account of mine that was sold to LVNV without my knowing, consent, or authorization. They sent an email to this person which disclosed personal information of mine and regarding the debt owed. They added this persons email address to their contact list for my account without my knowing, consent, or authorization. I have a screenshot of the email that was sent to the unauthorized address and person.