23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/23 required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

XXXX, XXXX, Equifax, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is XXXX!!!!!!!
Product: Debt collection

I have asked multiple times for the collection agent not to contact me at work. Their name pops up on the caller ID when they call and she is very rude and condescending
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, CKS Prime Investments, L added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Checking or savings account

At around XXXX on Thursday XX/XX/2023 I attempted to make an ATM deposit for {$1300.00} At Huntington Bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX. I placed the cash amount in hundreds when it asked to deposit the amount. The cash went more than half way through and then jammed. When I tried to retrieve it began counting the bills and only counted {$200.00} it didnt give me any other option and wouldnt allow me to retrieve the full amount! I attempted to add another dollar thinking it would count the rest of my deposit but only gave me a total of {$200.00}!! I attempted several times to get in contact with customer support but was unable to reach them because of customer service was closed! I then ended up calling 911 and the officer made a police report and told me that I should comeback in the morning and have them check the ATM cameras and have them count out the ATM. This has left me distraught and fearful of ever using an ATM
Product: Credit reporting or other personal consumer reports

I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with Experien and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.
Product: Debt collection

The debt was sold to this agency. My credit report is showing that I am past due with this company {$840.00} & {$630.00} for XXXX different accounts. Since the original balance was never with your agency, this account should not be reported as past due. When I requested validation, they used a scare tactic to force me to make payments which included taking me to court. 

Under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692e ( FDCPA ), all information reported must be accurate. Due to the inaccuracies in the reporting, I request that this account be removed completely from my credit profile. Additionally, I request that this debt not be sold or transferred to another third party. 


Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was scammed thinking I was taking to a customer service representative from my bank I did not give out my bank information he hacked my account simply by me signing into it and then had me enter what he said was a code that would allow him to over ride my pending transaction so he could cancel it. It was actually the name of his account XXXX XXXX and it send him all my money. I did not enter an amount he actually transfered funds from my savings to my checking and took everything he even had me type in refund since that was the reason I was calling to get my money back from a transaction that couldn't be processed. But I never gave permission to transfer funds not did I give out my information, and I never transfer funds to anyone. The bank will not even investigate it even though I have the text messages to prove this guy was pretending to be the bank I even have witnesses that over heard the conversation since I had him on speaker phone. I am trying to get a court order to obtain the conversation I had with the guy pretending to be a bank representative. I also filed a police report and so far that has gone nowhere. I was scammed, hacked and this was fraud I did not authorize this and {$2000.00} was taken from me that was my rent money. I'm a single mother and that's a lot of money to me.
Product: Debt collection

This debt that they are constantly calling about is not my debt. I reported this to the credit bureaus as well and they placed a charge off on my credit report and then repeatedly call and harass me. I have blocked their calls and requested they stop yet they continue. I want them to stop immediately as they have already taken fraudulent action by placing a charge off on my credit report. The company is called Southwest Credit and they call from various states and numbers and I block them all
Product: Credit reporting

I have sent and faxed Transunion this about a XXXX account on my credit report : " This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by you in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
More specifically, under the provisions of FCRA 611 ( a ) ( 2 ) ( B ), you were required to have forwarded all relevant information I provided by you to the creditor for their investigation of my dispute. I request identification of any information that you choose not to forward to the creditor, and whether you used the automated XXXX process. Response to this request is required, under FCRA 611 ( a ) ( 7 ), within 15 days of this request. '' They have still not responded, so the law states this must be deleted.
Product: Credit card

I went to a bar called XXXX XXXX XXXX in XXXX GA on XX/XX/23. My XXXX was swapped with another XXXX without me knowing. The person that swapped my phone was able to get into my phone. I am unsure if they saw me type in my password at some point during the night or if they scanned my face without me knowing regardless they were able to get into it. Once in my phone, the thief was able to use the Discover card I had on file with XXXX XXXX to purchase {$800.00} worth of stuff at a XXXX located at XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. That morning, when I noticed this, I called Discover to deactivate that card and file a fraud dispute with them. Since then I sent them a police report I filed, an identity theft report I filed, a receipt showing that I purchased a phone the very next day, and articles showing that this a problem XXXX has been dealing with. Discover continues to deny my claim stating that there is no way someone could get into my phone and use my XXXX XXXX because I had face id on the phone. Below I have attached everything I sent into Discover.
Product: Credit reporting or other personal consumer reports

I had debts that was discharged in a past bankruptcy still showing as active on my credit report and not closed. 

XXXX XXXX account # provided by transunionXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone XXXX XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$280.00} Credit Limit {$200.00} Pay Status Unrated Terms {$0.00} per month ; paid Monthly Date Closed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by XXXX XXXX ; CLOSED BY XXXX XXXX Name : XXXX XXXX XXXX account Provided from TransUnion # XXXX Account Information Address XXXX XXXXXXXX XXXX XXXX MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$12000.00} Pay Status Unrated Terms {$0.00} per month, paid Monthly for 60 months Bankruptcy Code - 11 U.S.C. 524 ( a ) : The Discharge Injunction Implications for Credit Reporting : Reporting a discharged debt as active, having a balance, or delinquent can be considered an attempt to collect the debt, which violates the discharge injunction.

Courts have ruled that inaccurate credit reporting post-discharge can be tantamount to attempting to collect a debt, making it a violation of the discharge injunction under 524 ( a ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

my sister or daughter or someone in my family has my social in my birthday and they're taking my government check and my stimulus check I have tried to report it to direct Express but they won't do that they say they have no control over it and I get transferred from direct Express social security social security back XXXX XXXX I don't know what to do
Product: Mortgage

XX/XX/XXXX I paid my mortgage I noticed on the website it says my payment was reversed. So I checked my bank statement and it showed it cleared my account. I called them they told me that they didn't know where the funds went and I needed to contact my financial institute. XX/XX/XXXX i made a payment of XXXX dollars and told the rep I would pay the remainder XXXX at the end of the month to cover XXXX since they said it was reversed and also XXXX payment. In hopes that later they would have located my payment that was made on XX/XX/XXXX. which never happened as of today. XX/XX/XXXX I made a payment and was told that it reversed once again it cleared my bank. XX/XX/XXXX. I made another payment to cover the XX/XX/XXXX payment in hopes they would locate the funds. No communication what so ever just emails. As of today they say i owe XXXX, XXXX, and XXXX mortgage which i've sent in all full bank statements. Freedom Mortgage is the Company.
Product: Credit reporting

Was a victim of identity theft, someone opened an account, in another state, with XXXX using my name & my ss # on XX/XX/2015. On that very same day happens to be the very same day I last logged in and obtained my credit report from free credit report XXXX. The issue with XXXX has been corrected and they have supplied notice via email attached. 

I was taking the further step of installing credit freezes, starting with TransUnion. On the TransUnion web site they indicate as a victim of ID theft I was entitled to placing a freeze though their site free of charge as a victim residing in Mi. 

I was charged {$10.00} and supplied a reciept. I contacted customer service at TransUnion, they indicated that there was no freeze in place and they had no record of charging my account. I offered to supply the receipt and copy of charge showing on my credit card, they issued a Ref ID # XXXX and a phone number for a supervisor ; XXXX XXXX XXXX. 

I have made repeated attempts ( XXXX ) to contact, leaving messages with all contact information ref # etc. I can not get a response.
Product: Checking or savings account

I am a victim of identity theft yet the company has decided against me to keep my account open. I have been trying to fight this case for the past 2 months and I have now had enough of trying to fix this with them. I will be attaching a letter in detail describing my situation and the laws they violated as well. I have legal representation prepared incase the outcome is not satisfactory to my desired outcome of this situation. They are violating my rights as a consumer and denying me an account that I did not commit fraud under which is a major violation under these laws : 1. 15 U.S Code 5 1642 2. 15 U.S Code 6 1681M 3. 12 CFR 1002 I have previously submitted a complaint via CFPB, XXXX  and the Attorney General of California yet I was still denied. This will be my final attempt before I seek monetary compensation and pursue in litigation for defamation of character and mental anguish/trauma under 15 USC Section 1692d.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX/XXXX # XXXX XXXX XXXX # XXXX remove all FCRA from this page ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX see attachments for the proof of wrong informations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Charge Off Closed {$3900.00} " XXXX '' XXXX XXXX XXXX Charge Off Closed {$4400.00} XXXX XXXX  Charge Off Closed {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transactions arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This violationS 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666 ( b ), Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have attempted to resolve this issue this claim as of XX/XX/year>, however, no substantial proof has been provided. I never ( or ever had ) any type of contract and/or obligation to pay this company.
Product: Credit reporting

Equifax failed to provide me with the adequate documents they have on file to verify the accounts I have disputed. From my understanding the credit agencies have 30 days to respond to my disputes. Being that the 30 day mark period has expired without a proper investigation or proper verification of the accounts should promptly be deleted as per FCRA section 611 ( 5 ) ( a ). I would really appreciate if you could take care of the matter as soon as possible. Thank you
Product: Debt collection

Today i contacted Jacob Law Group in regards to a debt they stated that i owe. I spoke with a rep name XXXX. XXXX was extremely rude, told me that i need to stop being like " other XXXX people in america '' and take care my responsibility. She cursed, called me all type of racial names, this is unacceptable.
Product: Debt collection

I really do n't know what kind of debt this is, I am just assuming because of how they acted but they could also be a scam trying to gather information. They, being D2M from XXXX Ohio, called MY cell phone XXXX demanding information about someone I know, but refused any real identification where they were from or what they wanted. Additionally, they are unprofessional and hung up on me. If they call my cell again I will demand restitution.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX credit bureaus have failed to remove the accounts associated with identity theft that they've received fraud reports identity theft affidavits police reports proof that I'm under Doctors Care and proof that there's no way that I purchased a vehicle or any got any credit cards and instead of removing them they continually lie on documentation and have said that I have received something of material effect which is a baseless falseless claim all of these accounts associated with my credit bureau currently are all fraudulent and I asked the consumer financial Protection bureau to actually do something about it instead of allowing them to continue to violate my rights and allow accounts that violated multiple Federal statues to continue on my credit report they have received proper documentation to remove these items and I request that you remove XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which does not match my birthday it has a birthday of XX/XX/year> which is not my birthday this again is fraudulent accounts allowing the usage of my social as well as credit bureaus and for the better part of 8 months I've been trying to get these items removed and XXXX XXXX and Equifax lied and gave me forge documents that actually are baseless claims and completely falsified claiming though a XXXX person in assisted living is somehow purchasing vehicles and getting credit cards this is beyond pathetic the credit bureaus owe me significant damages and I want the money paid to me I've asked for months on end they violated every Federal statue that guides them and it's about time you guys actually do something I mean what do I have XXXX complaints with you guys at this point and you've done absolutely nothing.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights significant issues with the platforms operations.As a frequent user of Zelle, I have encountered discrepancies on multiple occasions and promptly reported them to both my financial institution and Zelle. Unfortunately, my concerns were not adequately investigated. I was informed that recovering lost funds was not possible and that tracking the transactions in question was unfeasible.The CFPBs findings further underscore systemic failures, revealing that Zelle has not only neglected to safeguard its users but has also enabled repeat offenders to exploit the platform. This lack of accountability leaves consumers vulnerable to fraudulent activity, undermining trust in the system.The absence of transparency and effective protective measures is deeply concerning and unacceptable. I urge Zelle to address these issues promptly and implement measures to enhance consumer safety and trust.Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update, I just spoke to XXXX employee id XXXX at XXXX XXXX XXXX XXXX and she informed me to have the credit reporting agencies remove this account as she can not find me in their system as it has been approximately 7 years. 

The customer service rep, who wrote letter has no info and incorrectly is trying to report this as a charge off, he even gave me incorrect contact number to reach him. 

XXXX. 
Sincerely, XXXX XXXX XXXX XXXX Customer Service
Product: Credit card or prepaid card

Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act