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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA XXXX ;
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each on XXXX these creditors as followed Capital One Auto, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Comenity bank has failed to report to credit bureaus since the month of XXXX. It is now late XXXX and my card utilization has gone from 100 % to 0 % but is still reporting a utilization of 100 %.
Product: Credit reporting

Me and my wife filed bankruptcy. It was dismissed on XX/XX/XXXX. We recently have inquired about buying a house. We were told that XXXX and Transunion were reporting a bankruptcy with no discharge or dismiss date. So I disputed with XXXX and Transunion. XXXX updated are credit report within 5 days. With the dismissed/closed XX/XX/XXXX. Transunion came back several days latter with " contractually liable debt '' So I disputed it again, after calling customer service. This time faxing my dispute with the supporting doc. again. Transunion came back again with the same outcome. So the third time I contacted Trans. I asked to speak with a supervisor and was told that they would need to open another investigation. I have sent the doc. from the US Bankruptcy court twice to them, and the supervisor acknowledged that they had it but could not update the credit report.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

Payments were paid to XXXX funds, and my loan was sent to collections anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took advantage of Midland Mortgage 's Covid19 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XX/XX/XXXX-XX/XX/XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XX/XX/XXXX to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Product: Credit card or prepaid card

I have three capital one cards. I have never maxed out my cards, nor have I ever paid late. Ive always been on time. Ive never lost my card. Ive always kept my account in good standings. Due to a bank error, my payment was returned. But I didnt have a due payment or anything anyways. Why did they close all my accounts for a returned payment that I had nothing to do with? Capital One should reinstate all my credit cards!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It was the day after XXXX XXXX and I received a call from XXXX. This was about XXXX XXXX and before I had a chance to speak they were requesting my full name and social security number regarding a supposed unpaid medical debt they said I owed from two years ago. Never once did I receive an invoice from the XXXX XXXX XXXX XXXX and the debt collector said I was deliquent on a debt that was overdue, but I never received a bill. 
The XXXX had all my information so surely if I was late on a payment I would have known about it by now. 
Revco solutions was the debt collector that called, harassed, and gave me very abusive language over the phone. 
When I said I have a right to dispute the debt they kept talking over me. I informed them that I was XXXX  and they were causing me stress, but they did not listen. They ruined my entire day at work and the trip back home.
Product: Checking or savings account

I asked Huntington Bank to stop the transactions in my business account and lock my account multiple times. They told me they couldn't do anything about the repeated ( {$48.00} ) ACH withdrawals, ( these ACH Withdrawals are from the same company ( XXXX ) that does not have authorization to make this withdrawal ) so now the overdraft fees keep growing, and I owe them over {$1100.00} in overdraft fees. My account is about to be closed. When I try to call them, they just keep telling me the new negative balance and that I owe it. Huntington Bank has refused to help and protect my account. They also told me that even though my business is an LLC, my personal bank account may be offset to pay for the overdraft fees in the business account.
Product: Checking or savings account

I had a checking account and debit card with Citi Bank. Unfortunately, my card was lost and then stolen. I used to wear fanny packs, which held my debit cards, ID, and business cell phone. I lost the fanny pack, or left it somewhere and couldn't locate it. An unknown person found it and decided to make a purchase using my card which wasn't authorized by me, the sole account holder. I contacted the bank, worked with fraud and disputes to dispute the amount. Initially, the bank advised me that I would get a credit and the claim would be investigated and closed within 10 days. I became paranoid and removed all my funds from that account. I later found out the claims department was closing my claim and finding me at fault. This was a shock to me, and the total opposite of what an FDIC-insured bank should be doing. I requested documents and proof of the investigation, which I wanted to provide to the FDIC and Federal Reserve as a violation of Federal Regulation E. Instead of providing me with any concrete document proving I spent the funds, they sent me up the ladder of customer service reps who had their hands tied. I even got to an escalations team who did nothing but treat me with disrespect and berate me. I was even called a " SIR '' several times, even though on a recorded line I advised the representative that I am nonbinary and identify as them/they. When I explained this to the supervisor the agent connected me to, I heard him giggle at me and or about me when he thought he put himself on mute. When I said, " I can hear you ... '' I was placed on hold with music immediately. I was later reported to XXXX XXXX and XXXX as owing a balance to them for the disputed amount and for account abuse. In no way did I abuse my account. This negative reporting has prevented me from getting a bank account. It has affected my life and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. Transunion, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX  XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigation. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX ( XXXX XXXX XXXX TX ), XXXX XXXX XXXX ( XXXX XXXX TX ), XXXX, XXXX ( XXXX at XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

2.Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigations.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expected written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/21 Portfolio Recovery XXXX sent me a letter stating that they've validated the " ALLEGED DEBT '' regarding account number : XXXX. ONLY I as a consumer & natural person can VALIDATE the debt. They have listed that XXXX Bank is the original creditor, which is a lie. I am the ORIGINAL CREDITOR. Pursuant to XXXX XXXX XXXX, they didn't provide me with the XXXX things that constitutes validating a debt. Even thats NOT validation, it's just an allegation UNLESS I agree ( Which I DON'T ). It's impossible for Portfolio Recovery to tell me I owe a debt, THEY DON'T have the power to do so. I never gave XXXX bank permission to give Portfolio Recovery my information, which is FRAUD. They sent me a monthly statement which is NOT validation. I choose to exercise my right under XXXX ( C ) to refuse to pay. Also how is Portfolio Recovery a creditor?? They're listed as the current creditor on the letter they sent on XX/XX/21. According to the XXXX, The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. They're poor practices have made them one of the biggest collection agencies by preying on consumers not knowing their rights. I WON'T BE A victim. I know my rights as a consumer. Due to Portfolio Recovery, I've also been a victim of abusive & deceptive debt collection practices due to having to use cash for everything because my consumer/credit reports have been damaged. They need to DELETE this from my credit report, & ANY other companies they're reporting to IMMEDIATELY due to violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

When I went to view my credit report, I noticed that I had multiple accounts on my consumers report that were fraudulent. I've never heard of any of these companies at all and i have never given anybody my information. Who are these companies? 

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
Product: Money transfer, virtual currency, or money service

This is now my third complaint against Binance, also my third time submitting with XXXX  Each time they respond to the complaint, but then drop off the face of the planet afterwards. I am owed XXXX dollars after being charged twice back in XXXX. it's been almost three months and no understanding of this on their end. 

I've provided a bank statement showing the charges, after initially trying to reverse the charge -- which resulted in my account with them to be frozen, with over XXXX dollars invested now with them. 

The lack of follow through shows this companies lack of interest in giving me the money that they overcharged me for, then penalized me for when trying to resolve with my own bank. 

Refund me my money please. I will be filing a complaint with my attorney general. This is absolutely ridiculous!
Product: Money transfer, virtual currency, or money service

XXXX, this FRAUD named XXXX or XXXX XXXX sold an XXXX XXXX XXXX at {$400.00}. I have never dealt with this fraud and I have never used XXXX XXXX before. 

1XX/XX/19 I messaged her asking when she sent the phone. She attempted to extort me for an additional {$50.00} to ship the phone that I immediately shot down. At that moment, this was a SCAM!!! 

XXXX I tried contacting her on XXXX. She didnt respond. The number provided all went to voicemail. Later at XXXX, she blocked my account! 

ALL WEEK, XXXX to today when I yelled at a PayPal rep to work on this matter, I have called over and over to demand that PayPal overturn this transaction. They have refused. All calls goes out to overseas in the XXXX. They sound like clueless robots and are uncooperative! PayPal has been reported in two places this week! 

My bank XXXX XXXX has also let me down. They are at least trying to work with me, but to little results. But latest anger goes towards XXXX XXXX XXXX On PayPal , that payment of {$400.00} is sent to XXXX XXXX XXXX XXXX has responded only by electronic responses, not human responses and told me they can not help me. Thats NONSENSE!!! They are shirking responsibility for this SCAM! They have on record what happened. They dont wan na put in the work to refund me of the money sent to that Scam artist fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

I received mail recently from Navy Federal attempting to collect a debt. Unfortunately, the way they communicated with me through the mail while attempting to collect a debt violated my federally protected consumer rights. They violated the Privacy act of 1974, 15 USC 1692b-5, and other laws that protects consumers. I will attach my proof below.
Product: Money transfer, virtual currency, or money service

Zelle Violated the electronic transfer act No consumer protections before transfers were sent out
Product: Mortgage

I received my XXXX 2016 Mortgage Statement from Ocwen and noticed that on XXXX XXXX, 2016 they added a {$500.00} fee, listing it as Charge - Property Maintenance Expense Payment. I have never had this fee and my house is perfectly maintained so I contacted Ocwen and they forwarded it to the Research Dept. after a week and a half they forwarded me a copy of the {$500.00} invoice from XXXX which is a company within OCWEN who deals with foreclosures and other property related fees and it said date completed was XXXX/XXXX/16 and listed as : Registration Cost / XXXX and this did not answer any questions. It goes from a Property Maintenance Cost to now a Registration Cost? I contacted XXXX who advised me to contact Ocwen Property Preservation Dept. and after several transferred calls I was advised it was a Municipality Fee ... They said it came from XXXX XXXX County possibly thought they did not give any specifics. I contacted XXXX XXXX County Tax Collector, Property Appraised etc as well as the City of XXXX XXXX and all advised me that they would never charge {$500.00} and in their opinion this is a bogus charge. Ocwen tried to dismiss it as a one time municipality charge yet they will not provide any proof other then from their own company XXXX. 
I also noticed that there was a {$70.00} fee charged to the investor at the end of the month and I am not sure why this would show up on my account. They provide no answers and I want the {$500.00} fee removed immediately. 

My mortgage has always been in good standing and do not need to have false charges added to my account.