23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the CRA has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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. They are reporting accounts fraudulently and are being willfully non compliant to the FCRA. I will seek litigation as a final attempt after this to resolves this. see attachments
Product: Credit reporting or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and trans union and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XXXX totally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Product: Student loan

I have student loans that are serviced by Navient. I do not know who actually lent me the money. Unfortunately I never obtained a job that paid enough to pay the monthly payments the different loan servicers want. While I have received numerous forbearances due to low income, I am now retired and receive social security. Several years ago someone from XXXX XXXX told me about a program XXXX XXXX ( the loan servicer at the time ) had that tied your loan payments to income. I applied for it and was told by phone I was accepted. However, they did not know how much the monthly payment was. I caled back numerous times and got different people each time and received different responses. Soon Navient took over the loans and I reaplied for an income based repayment program. Again I was informed by phone that I was accepted but I had no notice of what the payment was going to be. Even though I have repeatedly requested that my communications be by mail, Navient never sent me any IBR program acceptance letters, or official notice of how much the payments were. They only send emails. In the fall of XXXX I was informed by phone that I was in the program, but within one month was getting email notices from Navient that I owed payments of over XXXX per month. Every time I called to ask about this, the representatives in the call center ( which was located in the XXXX - I asked them ) didnt know about the IBR program or was told to reapply. At Navient the right hand never seems to know what the left hand is doing. People also told me I qualified for forgiveness because I was a full time instructor for XXXX students. Navient said I did not qualify. 

I am now a senior now XXXX XXXX XXXX XXXX ) and dont know what to do. I am very scared about the future and fear Navient will take my social Security or my home. I can afford a minimal payment, but cant get the loan servicer to commit to a firm arrangement. Please help and thank you
Product: Payday loan, title loan, or personal loan

My wife and I sought a {$35000.00} loan to assist with medical expenses. I'm the one who works, she stays home with the children. Right from the start, things went sideways. Instead of {$35000.00}, we only received {$32000.00}. I'm working full time, so I don't have the time to call Prosper. Anytime my wife called, she was put on hold for 10-15 minutes at a time, no matter what time of day it was. So we never got a clear answer about why this was, other than some vague story about the remaining {$3000.00} being applied to interest at the end or something. We then started making payments, which were due on the XXXX of each month, of about {$900.00} a month. I tried to get ahead on principal payments. They first told me that I could only make principal payments on the XXXX of each month, otherwise any payments I make would just go to the net months scheduled payment amount. Ok, fine. In the second week of XX/XX/2020, I made the {$900.00} payment and waited until XX/XX/XXXX to make a {$4000.00} principal payment. There's interest applied to both payments. What in the XXXX?! I called them up to find out the problem. THIS TIME they told me that anytime I make an early principal payment before the payment date, interest is taken out, and then new interest is due on the payment date. WHAT THE XXXX IS GOING ON HERE?! And then, after I seek clarification of these two different payment explanations, I'm put on hold for 15 minutes and then disconnected.
Product: Debt collection

I have noticed a collection being made on my report from " Certified Services '' in the amount of {$1600.00} opened XXXX. I have disputed this charge to which I was told this debt belongs to me even though the addresses and social security numbers do not match. I believe this is a case of mistaken identity or identity theft and request that this debt be taken off of my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I submitted an FTC report to Equifax informing them that inaccurate inquiries were reporting on my credit report. Please remove the following inquiry : XXXX XXXX XX/XX/year>. Please reference CFPB complaint XXXX and remove inquiry in 7 business days.
Product: Money transfer, virtual currency, or money service

Money was given via Zelle ( {$190.00} ) regarding the delivery of a piano. The individual in question refuses to return money after failing to provide the promised service since the XXXX of XXXX, 2025. I have called my bank, which referred me to Zelle today, since the transaction was out of their control. I contacted Zelle, and they stated they would open a case, but will not be able to return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove a fraud alert placed in my account after I have verified myself to them
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX is a XXXX XXXX and we use a credit monitoring app to insure there are no issues as we are required to report any issues. There has been no change just increase credit score until XX/XX/XXXX when Wells Fargo reported our credit card Closed as of XX/XX/XXXX, which was news to us. All mail received is scanned and I went back to XX/XX/XXXX and there was no letter received from Wells Fargo. This reporting cause nearly a XXXX pt drop to XXXX and XXXX pt drop to myself. 

The delay to report from XX/XX/XXXX to XX/XX/XXXX is of concern, as had it been reported as Mandated I could have addressed this when the closure actually occurred since notice was never received as they claimed they sent out, however ; it was not received. 

I have attached XXXX and my credit report where it shows date of reporting and decrease in credit.
Product: Debt collection

NCB XXXX XXXX XXXX is violating my consumer rights under the FDCPA. I have not signed a contract with XXXX XXXX XXXX or NCB Management Services Incorporated. I have no knowledge of this alleged debt.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX
Product: Checking or savings account

My direct deposit was sent XX/XX/year>. I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

AD Astra Recovery has been provided with a cease and desist along with a written request for resolution as the account from original creditor XXXX XXXX reporting with a balance of {$2100.00} was opened as a result of identity theft. Today I received a threatening message from XXXX from XXXX XXXX advising she will take all necessary measures to have me served at work or at my home and that they will use law enforcement if needed. This is unnecessary and aggressive debt collection tactics that are illegal. I have completed the identity theft affidavit and have faxed the information to AD ASTRA RECOVERY XXXX which is their fax number on their website : adastrarecoveryservicesinc.com. They also received a certified letter which I have confirmed receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 for the second time I sent a certified mail and requested that any address that didn't reflect my current residence on my credit report be removed. This certified mail was sent to XXXX and Experian with a notarized letter. They since then responded with those adresses still showing. ultimately I just want those addresses off.
Product: Credit reporting or other personal consumer reports

I value your help in correcting a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and found that Jefferson Capital Systems , LLC has placed a collection on my credit report for the amount of {$12000.00}, allegedly originating from XXXX XXXX. I have not received proper validation of this debt, nor have I been notified that Jefferson Capital Systems LLC is in the business of collecting debts. I have no contract with Jefferson Capital Systems LLC, and I dispute the legitimacy of this debt.

Please be advised that I caution you from asserting that this alleged debt is mine unless you can provide proper validation of the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proof of the original debt, including the original signed contract ( not a photocopy ). As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXust provide the original signed contract to substantiate their claim. Failure to provide this documentation will result in my disputing the legitimacy of this debt and requesting that this entry be removed from my credit report. 

I am requesting the following : Validation of the XXXX : Provide proof of the original debt, including the original signed contract ( not a photocopy ). As stated in XXXX XXXX XXXX XXXX XXXX  XXXX must provide this documentation to substantiate their claim. 

Proof of Assignment or Transfer : Provide evidence that Jefferson Capital Systems LLC has been assigned or transferred the right to collect on this alleged debt from Lending Point. Without this proof, I question the validity of your claim to collect the debt.

Debt Removal from Credit Report : Since Jefferson Capital Systems LLC has not provided proper validation of the debt or proof of assignment, I request that this collection, in the amount of {$12000.00}, be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), only verifiable and accurate information should be reported. 

Failure to provide the required documentation will lead me to dispute the debt through all available legal channels. I expect your prompt response to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am writing to inform express my concerns regarding Zelle handling of disputes particular in the light of recent cfpb lawsuit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$640.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$720.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXXXXXX XXXX XXXX XXXX XXXX  {$3800.00} Opened XX/XX/2020 After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original Creditor XXXX XXXX These are fraudulent charges brought on by the Pandemic My information may have been impacted by the XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Under 15 U.S. Code 1681c-2, which governs the " Block of information resulting from identity theft, '' I have the right to request that information resulting from identity theft be blocked from my credit report. In accordance with this law, lam requesting the removal of the fraudulent accounts and transactions from my report. 
Additionally, under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputes regarding inaccurate or fraudulent information on a consumer 's credit report. Please initiate an investigation into the items I have listed, and remove any inaccurate entries resulting from this theft. 
I have enclosed the following documents to support my claim : A copy of my identity theft report filed with [ police department or FTC ]. 
Proof of my identity ( e.g., copy of my driver 's license or utility bill ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020, I spoke with a supervisor from Transunion. The supervisor stated they would send out disputes to those 12 companies that pulled my credit report stating that I didnt authorize them to do so. Transunion reps have told me the companies never responded back to them. By law these inquires are suppose to be deleted. Transunion refuses to delete these inquiries after stating that the companies never responded to them.
Product: Checking or savings account

Flagstar closed my checking account due to my having a {$0.00} dollar balance for over 90 days. I am fine with this. I had opened an account elsewhere after they had two data breaches within 6 months of each other and my personal information was exposed twice. I was in the process of closing this account myself, so I don't have any issue with them closing it. My issue is that as soon as they closed it, I was unable to access my past statements via their website EVEN THOUGH I could still log in ok. After numerous calls and chats with their reps, I was told they could mail me copies but for a fee of {$5.00} per statement. One, I don't want physical copies, I want digital copies to to store with my other statements from them. Two, I am not asking for years worth of statements, I only want the past year before closing. Three, I have a right to my statements and there is no reason to not allowing me to digitally download them, other than for them to exploit me. Four, it's tax now time, and I don't have access to my financial records. This should be illegal.
Product: Mortgage

Im writing to get the assistance from CFPB. My financial hardship began XXXX of XXXX. When my wife lost her job and we became XXXX household income.. In addition to make matters worst I had to force retire in XXXX due to health issues related me and my wife getting covid and due to bad respiratory existing problems we felt we git into a really bad health and our income was reduced once again due to XXXX. During this time since we saw past due, we reached out to our mortgage company and applied for assistance numerous times.We have applied for mortgage help since XXXX and each time the mortgage server our mortgage company has denied us due to a negative present value .NPV. I have been denied for the negative present value XXXX times, each time that Ive been in review for mortgage assistance the mortgage company has had forclosure running at the same time while getting help, They have never added a single point of contact over the last XXXX to XXXX years. This mortgage company has never offered me a loan modification assistance, they have mishandled my payments and XXXX XXXX requested for their servicing XXXX servicing guidelines and provide me with my investor information and mortgage service agreement and I have been refused.
Product: Credit reporting

Equifaxhas fail to provide me with results of my dispute that I have initiated since last year on accounts closed and recent payments have been posted or accounts have been sold to different companies and they are still reporting them ( equifax ) as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX