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

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is
substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Mortgage

XXXX XXXX provided by XXXX XXXX XXXX expired on XX/XX/XXXX. 

XXXX XXXX was put in place through XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. This information was provided to XXXX in a timely fashion by both XXXX XXXX XXXX XXXX and by XXXX. 

Insurance with XXXX XXXX XXXX XXXX was cancelled on XX/XX/XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX was purchased on XX/XX/XXXX for a period of 1 year. 

Multiple phone calls, Emails, Document Uploads, and more from both Borrower and XXXX XXXX did not prevent Servicer from purchasing forced insurance for the period of XX/XX/XXXX - XX/XX/XXXX at a cost of {$120.00} and stole the funds from Borrower 's XXXX  account. 

Issue has yet to be resolved as Servicer continues to reject any proof of insurance documentation provided via the Servicer 's upload portal or via email attachments.
Product: Student loan

InXX/XX/XXXXI had student loans with XXXX XXXX which transfer over to Navient Student loan. InXX/XX/XXXXI had problems with Navient not helping me with the proper procedures in handling my loans correctly with their services. Navient always advised me that if I could n't make a payment to place my loans in forbearance which increased my loan amount overtime. My Co-signer that was going to help me with my Loans, My aunt XXXX XXXX XXXX inXX/XX/XXXX. My father that also was supposed to help me with my loans XXXX inXX/XX/XXXX. I have four loan amounts with Navient with balances of {$7000.00}, XXXX, XXXX and XXXX. My account number with Navient is XXXX. Navient miss led me with my student loans sinceXX/XX/XXXX. I also started to receive a lot of ignoring phone calls from Navient during the periods of XX/XX/XXXX-XX/XX/XXXX about loan payment. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, SC XXXX. My phone number is XXXX. Email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

Navient is reporting multiple times and for several different amounts when these loans have been consolidated and put through the US department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.
Product: Credit reporting or other personal consumer reports

There is a closed XXXX account report on my credit report Ive never used or had XXXX XXXX and I never lived at the residents the account is attached to its fraud
Product: Money transfer, virtual currency, or money service

I hired a contractor through the XXXX app for a bathroom mirror repair job. The contractor provided an email address for Zelle payment. I sent the agreed-upon amount via Zelle to the provided email address, and my bank confirmed that the transaction was completed, with the funds successfully debited from my account. 

However, the contractor claimed he did not receive the payment and insisted that I pay him in cash to complete the job. To avoid further complications and ensure the work would be completed, I reluctantly withdrew cash and paid him in person. This effectively resulted in me paying him twice, as the Zelle payment was already confirmed to have gone through. 

Upon further investigation, it seems possible that the initial payment may have been linked to another account. I am seeking assistance in resolving this double payment issue and would like to prevent this contractor from misleading others in the future.
Product: Debt collection

ACCOUNT NUMBER # XXXX I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and they received my request via certified mail on XXXX company has failed to validate this debt by not responding at all. 

Please provide the following validation of debt request : - Proof of your right to own/collect this alleged debt - Balance claimed including all fees, interest and penalties - Contract bearing my personal signature If you can not validate this debt you must delete this information from my credit file and cease all collections activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. 
I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$0.00}
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. 

XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 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: Vehicle loan or lease

Car loan was paid off with ally financial. No title was issued. No notice of delinquency was given to me. Car was repossessed, I called the company and they said they tried to contact me. But I never got letters, phone calls or emails saying there was a balance. Now I need to pay to get my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts on my credit report, which I believe may have been opened due to the recent data breach involving Equifax, TransUnion, and Experian. I am concerned that my personal information was compromised during the breach, and I have discovered accounts on my report that I do not recognize or authorize. 
Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Given that the breach has put my sensitive data at risk, I am requesting that you investigate these accounts under the Fair Credit Reporting Act ( FCRA ) and immediately delete any fraudulent or unauthorized accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I transferred {$700.00} using Zelle ton the wrong person. I contacted her and she filed a dispute with her credit union. The money was then taken back out of her account, but I never received the money back in my account. I called Zelle several times, they told me to reach out to my credit union, they filed a dispute, and nothing ever came of it. The lade I send the money to also went to her credit union trying to shed light on the situation, without any results. On XX/XX/XXXX I received an email stating I would receive the money within a few days. I am not even sure where that email came from. the address was XXXX I had tried again to reach out to my credit union, who told me they would file another dispute, but I never heard anything back. 
My XXXX XXXX XXXX XXXX XXXX XXXX The recipient 's XXXX XXXX XXXX Michigan XXXX XXXX XXXX The dispute number is XXXX from Michigan XXXX XXXX XXXX The recipient 's name is XXXX XXXX
Product: Vehicle loan or lease

Hello! My complaint is in regards to a repossession. I was never late on my payments and my car was repossessed due to a legal issue. I have requested several times that my credit report be updated to not reflect that my car was involuntarily repossessed. This makes it look like I do not pay my bills and that is not the case. I was NEVER late paying my auto loan. I am not late paying any of my bills with Capital One. Even since the repossession they have offered me credit cards and upped my balance even though they have lowered my credit score over 100 points. I believe this to be a tactic they use by lowering people 's credit score, but continue offering them credit products that the consumer could n't be approved for outside of their bank. I would like this repossession removed so that my credit score can be restored. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I have deposited and created an account with Gemini. It's been about two weeks and they are still pending verification. Not allowed to remove money or do anything with it until pending. Have sent two emails asking but no response.
Product: Credit reporting or other personal consumer reports

I just saw an alert on my credit where it says that I have a credit inquiry from XXXX on XX/XX/XXXX. This is incorrect. I am XXXX  and I have NOT requested anything. This inquiry is fraudulent and I demand that it be removed from my credit.
Product: Debt collection

15 U.S.C. 1692g - Validation of Debts : Your company failed to provide me with proper validation of the alleged debt within the required time frame. 
I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information. 
0. 15 U.S.C. 1692c - Communication Restrictions : Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information. 
I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that 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 a credit card account under an open and consumer credit plan as late for any reason. 
I demand that these unauthorized recording be removed from my credit record immediately.
Product: Student loan

My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.
Product: Mortgage

On XX/XX/2020 I received my XXXX statement via US mail showing the account delinquent with no payment posted to my account with a late fee. I did not receive any notification prior to this that the payment was not posted. {$1200.00} XXXX Payment. Late XX/XX/2020 at XXXX XXXX I called Loancare and they stated that no payment was received and a late fee ( {$43.00} ) was asset and delinquent reporting to the credit bureaus. I sent the documentation as the payments has been paid through auto pay since they assumed the loan. A ticket was created and and 7 days passed with no follow up or correction. 

I called again XX/XX/2020 XXXX XXXX which I was hung up on with no call back. I called again at XXXX hours and spoke to another call taker and advised her of the situation. She stated the ticket was closed with nothing changed and she was not showing the XXXX ( {$1200.00} ) or XXXX ( {$1200.00} ) payments. Further she verified the negative reporting to the credit bureaus. 

I filled another appeal with more documentation that LoanCare received funds from my account and did not apply them. I have not received any phone calls, emails or US mail of this situation. 

No notification of the XXXX late payment were received by me as required by law. My credit and loan accounts have been negatively affected unjustly. 

My payments need to be applied to my account to make it current and all negative information sent to the credit bureaus needs to be rescinded and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized account was removed from my credit report. XXXX XXXX XXXX reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. Equifax allowed this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 

I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair and rude practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges.

The Bank completely destroyed my Credit and Credit Scores by creating unlawful, unfair and biased debt based on fraud and disputed charges.

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts.

Hense, the bank also has been charging my Debt based on Identity Theft.

The Bank has been Reporting Disputed Fraud amounts to the Credit Burrous as my " Defaulted Debt '', The Bank has been reporting unauthorized disputed charges as Delinquent.

The Bank never notified me about actions and/or results of their investigations on disputed charges. 

Since XXXX, I opened 9 accounts with the Bank. Including credit/debit cards, checking and trust accounts.

As of today, all 9 accounts have been charged-off, closed, reported as delinquent and sent to Debt Collection Agencies. 




At this time, I know that two credit cards, ending at XXXX and XXXX, were charged-off at Bank 's request on XXXX and XX/XX/XXXX. I have no idea or knowledge about the latter. 
My Irreversible XXXX Account ending in XXXX was charged-off or closed in XX/XX/XXXX. I have no information available. 

At least one of my credit card accounts were sent to collection agency ( in XXXX ) Most importantly, that my personal checking account, ending in XXXX, with {$69000.00} of funds available, was abruptly closed last week, XX/XX/XXXX. I have no information available about the account. 
This account has been my main source of money. 

Since last week closure, I have no money available to eat, get transportation and basic essentials. ( I do n't drive ), Despite my numerous attempts to get any information about the closure, or when I will be getting final check, or any notifications about the closure, ( it has been 9 days since the closure ), the Bank keeps ignoring me, and living me in the " dark ''. 

I need your help to resolve these issues. 

Sincerely, XXXX XXXX XXXX I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXX Report etc.
Product: Debt collection

Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.
Product: Debt collection

This company claims I owe them {$1300.00} from a previous apartment I lived in that was spotless when I moved out. I received NO documentation on where this {$1300.00} charge came from.