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

After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay
the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$34000.00}, XXXX XXXX XXXX XXXX ( loan ) Balance {$3000.00}, XXXX XXXX Balance {$710.00}, XXXX  Balance {$1000.00}, XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance {$740.00}, XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00}. I would also like the removal of the following inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My ex-wife and her boy friend sold my home under a fraudulent document, I placed a block on my credit many years ago. Each time I apply for credit I am told there is no credit history and I and denied. I am almost XXXX years old. My check was bricked for years, I paid all that the court asked me to. I am still being denied Credit. Can you help me or direct me to someone who can this is criminal it has been going on for decades. Home depot just refused my Credit, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed complaints # XXXX, XXXX, XXXX and XXXX on XX/XX/2022, and XX/XX/XXXX, XXXX since I couldn't view my credit score in my XXXX XXXX XXXXXXXX application. And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX  since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my XXXX  credit card for a few years. We looked deeper into the situation and learned with XXXX   that the social security number on file for my account was incorrect. I followed the protocol with XXXX  and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from XXXX  stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX claims that I owe a debt of {$420.00}. However this was a mistake made by XXXX XXXX. The debt wasn't mine until I attempted to pay a portion of the debt for a friend. XXXX XXXX claims that the debt was switched over to my name and the process couldn't be reversed. So XXXX XXXX called several times in an attempt to collect the debt that I do not owe. 
When contacting XXXX XXXX the second time I was given different information. Now XXXX XXXX then claimed that the debt was over a check that was never cashed. So I do not know why I would have to pay {$420.00} for a check that had a stop payment placed on it and was never sent through XXXX XXXX in the first place.
Product: Credit card or prepaid card

I have a Southwest Rapid Rewards Credit Card. On XX/XX/2020 I contacted the credit card company to find out what my complete balance was including any fees, interest, late charges ( or any fees because there are so many I can't keep track ). I called and spoke with a customer service person and I specifically asked what is my balance and fees do I owe completely. They explained to me that I owed completely {$1400.00}. I explained to them that I intended to pay off the entire balance by that Friday XX/XX/2020. The customer service person told me that if I paid off that balance by that Friday, there would be no additional charges and or fees. I paid off the balance as I promised. Then on Friday XX/XX/2020, I'm charged {$13.00} for a PURCHASE INTEREST CHARGE. I didn't make any purchases after I paid off the balance and I specifically asked the customer service person to tell me exactly everything I owe so how can I avoid these kinds of charges. This is ridiculous. I just feel like they are doing everything possible to keep taking money from me. At what point do I finally pay off this balance without me looking and discovering another arbitrary charge.
Product: Debt collection

Evergreen loans is charging over 400 % interest which is illegal in the state of South Dakota. This loan company is violating the rico act and attempting to collect more money then owed. I have paid this loan off and they are sending me over to collections for an illegal amount of interests. They are allowing people to get loans online in South Dakota while this type of loan is illegal in this state and violates federal law and state law. This company is hiding on tribal grounds in order to avoid being shut down. The us government needs to intervene and stop these predators who are violating the rico act.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CPFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that revoking lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scammers.
Product: Mortgage

Mortgage Loan processor noted as follows by NMLS Number will not credit our payments for payment due XX/XX/2018. They are not providing a monthly statement electronically or by mail as we requested and discussed by phone. XXXX : XXXX
Product: Debt collection

I received a phone call from XXXX stating that I needed to call XXXX with case number XXXX. When I called I spoke to a lady named XXXX XXXX, she wouldn't tell me who she was with, just said she needed to retrieve the hard copy of the complaint against me and placed me on hold. She came back and said she had the info and it was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX and if I didn't pay {$1600.00} I would be placed on XXXX XXXX  and all my accounts would be frozen. She had the last XXXX digits of my XXXX and my address and said this is from XXXX. I have never taken anything out from XXXX XXXX XXXX After the threats of my accounts and possible court, I said I would be ending this phone call, because of the ILLEGAL threats she is making. I told her I know my rights and they are no being violated because you can't make threats over the phone. They have also called my Mother stating they have my social and I will be turned over to the courts. I asked XXXX to stop calling me and to send a letter to cease all contact and she said that it's too late. She will be telling the company that I was served over the phone and unwilling to corporate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this account was settled/Paid in full. I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I received a notification from my credit monitoring service that a collection account had hit all three of my credit reports. I never received any correspondence from this company regarding the alleged debt. Based on the information provided on my credit report this debt does not belong to me. Ive never entered a contract with Midland Funding let alone done business with them to begin with. I would like this account to be removed from all three of my credit reports as it is unethical to throw negative information on my credit reports without substantiating that this alleged debt belongs to me. I would like for this to be resolved immediately or I will pursue further legal action.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the following companies numerous times XXXX, XXXX, and Experian regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses, names, and phone numbers where people have fraudulently used my name and associated my name or a wrong name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though have only stated it has been confirmed the fraudulent names, numbers, and address are mine even though I have denied all the inaccurate information on the reports though the companies refuse to remove the inaccurate names, addresses and phone numbers.
Product: Checking or savings account

My wife, XXXX XXXX, ordered a desk from XXXX on XX/XX/XXXX. It was delivered on XX/XX/XXXX. She refused the desk because it was not assembled. The product description did NOT say unassembled. XXXX initiated the refund on XX/XX/XXXX, saying the refund would be received in 3-5 business days. As of XX/XX/XXXX, the refund was not received. On XX/XX/XXXX, XXXX started a dispute for the charge of {$450.00} with Navy Federal Credit Union. She attached all the pertinent documents with the original claim. Navy FCU sent a message in their message center requesting more documents on XX/XX/XXXX. She replied, " The information you requested was attached to the claim on XX/XX/XXXX. On XX/XX/XXXX, Navy FCU closed the case, stating I did not send the information. This is a regular scheme that Navy FCU engages in not to settle a dispute. This has happened before with other XXXX or XXXX disputes.
Product: Checking or savings account

Subject : Unauthorized Transactions and Request for Temporary Credit Dear Consumer Financial Protection Bureau Representatives, My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I am writing to report a serious concern with my account with Chime, where two unauthorized transactions have been made that I emphatically deny. 

I have approached Chime regarding this matter, but a response or resolution is yet to follow. In accordance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), I requested a provisional credit during the investigation of these transactions, but this has not been granted. 

Hence, I insist on an immediate refund of the funds unauthorizedly withdrawn from my account, as well as the issuance of temporary credit, which is my right by law during the investigation of this incident. 

I am seeking your assistance in resolving this situation as I am a victim of financial fraud and my legal rights are at risk. I request your intervention to regulate this situation and ensure the adherence to my rights as per applicable laws and standards. 

Thank you for attending to my concern. I stand ready to provide all necessary documents and information for further investigation into this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX   they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
Product: Credit card

On XXXX XXXX site, they advertise a {$500.00} statement credit against your purchase. 

I applied for the offer and was approved. 

I have many credit cards, and consider myself quite savvy on promotional offers etc ..... I'm the type of person who ACTUALLY reads the terms before I apply. 

After doing that, I was still strongly under the impression that the flow of events would be like this XXXX ) Complete offer XXXX ) Approved XXXX ) new card ( XXXX XXXX XXXX Amex  ) would automatically apply against the transaction. 

That was especially true, because on my actual transaction, it indicated a {$500.00} credit to show a " new total balance '' to illustrate that the credit would be applied to the SPECIFIC transaction in reference. 

In the terms, it says an instant card number may not be made available, but that does NOT mean the new card would not be automatically applied to the transaction payment. 

The terms do not indicate anything about the envionment of the promotion itself, which demonstrates that it does not explicitly disclaim the posibility that the card may not be used on the transaction it is portrayed to ( for the promotion ). 

The fact of the matter is that it shows a lower transaction price " your new price after the credit '' but there is NO way to actually do that. It's perhaps the MOST MISLEADING PROMOTION I HAVE EVER SEEN IN MY LIFE. 

I actually couldn't believe it. I ended up having to use a different card to book my flights, and am sorry out of luck on the {$500.00} credit until this is further resolved
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : XX/XX/XXXXsuitable identification proof ; XX/XX/XXXXa copy of an identity theft report ; XX/XX/XXXXthe consumer 's identification of the relevant information; and (XX/XX/XXXX a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance : {$420.00} XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XX/XX/XXXX Balance {$130.00} XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX ) XXXX Balance : {$1800.00}XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they're violating the Fair Credit Reporting Act. The accounts I have listed below are causing harm to my credit report. 

According to 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them if they can provide me with the proof of paperwork and they have not done that. These listed accounts found in section of Closed Accounts & Collections are listed as follows. 

Account : XXXX XXXXXXXX XXXX account # XXXX ( Closed Account ) Account : XXXX XXXXl account # XXXX ( Closed Account ) Account : XXXX account XXXX XXXX ( Closed Account ) Account : XXXX XXXX  account # XXXX XXXX Closed Account ) Account : XXXX XXXX XXXX  account XXXX XXXX XXXX Closed Account ) Account : XXXX. XXXX XXXX account # XXXX ( Collection account ) Account : XXXX XXXX XXXX account # XXXX ( Collection account ) Then I asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX Balance : {$800.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.
Product: Mortgage

I had online mortgage payments set up with Ocwen, and had been paying for several months without an issue. Suddenly, Ocwen told me that my XXXX payment had been late and that they would charge me a {$19.00} late fee and report this to the credit bureaus as a late payment. I was incredibly dismayed, as I was certain that my XXXX payment had been made on time. I then examined my account on Ocwen 's site, and I found that someone in Ocwen had changed the XXXX digit of my checking account number so that the ACH would not go through. As the site had shown my account number in an " XXXX '' format, I had assumed the information had not changed from the previous month - but in fact, someone at Ocwen willfully modified this to cause my late payment. 

I then brought this to the Ocwen Ombudsman 's attention, and the issue has since been resolved, where my {$19.00} was refunded and XXXX payment is shown as current with the credit bureaus. However, I wish for the CFPB to know about this deceptive, fraudulent and abusive practice at Ocwen - as I know I am not the only victim here.
Product: Credit reporting

Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what