23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owed money to US Bank as a result of an overdrawn bank account. On XX/XX/2015 I settled the debt with a company by the name of XXXX XXXX XXXX XXXX. Since then I and many of my family members have been called and harassed by a company called XXXX and XXXX stating that I owe a debt to US Bank and that it needs to be paid otherwise they are going to garnish my wages, place a lien on my house and that I will have to hire an attorney to defend myself because they are taking me to court and serving me papers. A couple of months ago when I received a call and explained that I have proof that I have already paid that debt they told me that you must have paid the wrong collection agency. Well thats not a thing, I paid it and I have a paper stating that I am free and clear from the debt. So I called US bank and they said they no record of me owing any money other than what has already been paid and closed. They continue to call my mom, mother in law, ex mother in law, husband, father. Its getting WAY out of control and Im not sure how to get them to stop or how it is even legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an incorrectly reported repossession that was reported on my credit report in XX/XX/2010 by XXXX XXXX XXXX. There was no repossession. No other bureaeu reports this except Equifax. I have contacted XXXX and they blame Equifax for inaccurate information and it is on them to correct. Equifax will not remove this item, besides being inaccurate this is beyond the 7 year reporting mark on credit. I'm being punished with false information that they will not remove from my credit report. This has stopped me from obtaining credit. I do not understand how a company can report false information, and beyond the time frame for reporting and still not remove it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX Lexis Nexis submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky lexis nexis knownkly and intentionally sold un verifiable information to XXXX XXXX and XXXX more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that lexis nexis is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to lexis and nexis to sell my private information more specifically it is not verified by there own emmission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.
Product: Money transfer, virtual currency, or money service

I tried purchasing a puppy from a website. I was given the information and instructions, I paid through Bank of America via XXXX as I assumed I would have some form of protection. When it was determined that it was fraud I started a police report which I was instructed to do by Bank of America. Only for them to then not assist or help and say we cant help or provide any assistance or help even though this is a service we provide, and yes this is a scam.
Product: Debt collection

XXXX {$2400.00} XXXX XXXX XXXX  {$180.00} XXXX {$1500.00} My information was leaked in a data breach.
Product: Mortgage

1.I have a conventional first mortgage with Mountain America Credit Union that I opened on XX/XX/XXXX. 



I always made my payments on time. In XX/XX/XXXX we had trouble making our payment due to COVID. We reached out to the credit union and informed them the payment would be late and we made the payment on XX/XX/XXXX of {$1500.00}. This was the payment that was due in XXXX. Without my knowledge, the credit union did not follow the Care Act and marked me 30 day late on my credit report in XX/XX/XXXX. 



Recently I got a job in a near bye city. Since the commute is long, we decided we wanted to sell our home and purchase another one closer to work. When I applied for the new mortgage, we found out about the 30 day late. I was surprised since I know the Cares Act does offer relief for COVID related issues with making your mortgage payment. I reached out to my credit union to inquire as to why they were not following the Cares Act and they would not give me a straight answer and required me to submit a dispute online. I could not talk to anyone and after waiting for weeks I got a letter in the mail saying they are not going to change any of my reporting.
Product: Credit reporting or other personal consumer reports

I recently checked my report and noticed that there are inaccurate addresses, inquiries, and collections on my report. The inquiries are listed below : 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

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint as a victim of the issues highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle. As a user of Zelle 's services, I have experienced significant inconvenience and financial loss due to the practices that are now under scrutiny. 

I urge the CFPB to take swift and decisive action to address these concerns and ensure that Zelle is held accountable for its practices. Additionally, I request that measures be put in place to prevent such issues from affecting other consumers in the future. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  Open date : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX {$1700.00}
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Fell a few days late on my second payment they stared calling my phone 10 plus times a day even when i would answer and explain my situation and advise on the day i could have a payment drafte out of my checking account which would be the following wensday the agent refused to set up my payment or skip a payment as their website said they could do so i posted a check on their site my self for two paymentd they went in and cancelled my payment and put my acount in repossession status i reset the payment as a posted dated check again for it to draft on the wendsday for the double payment they repossed the car 1 day prior to the day when my payment would have covered when i called to offer the the XXXX plus the repossesion fee to recover the vehicle they where rude and stated that i would have to pay 16000.00 + so not only did i loose the vehicle i lost XXXX down payment not including the prior payment that did take out my account ... they prey on me and will resell this vehicle repeatedly taking people down payments the and reposssing cars as soon XXXX your 4 days late exc.. Repeatedly i do not recommended Bridgecrest
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} U S DEPT OF ED/XXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Transunion did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.
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 Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 XXXX 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: Checking or savings account

When I opened my account at Chase I specifically asked for an account without overdraft so that I would not have to pay any overdraft fees since I rely on Social Security. 

However, my XXXX account was automatically renewed about XXXX XXXX, XXXX  when the subscription actually ends in XX/XX/2023 ( one month earlier ) and my account was overdrawn by about {$90.00}. This action would have incurred the overdraft fee which I tried to avoid when I opened the account. 

I contacted the Bank about it because I thought that " no overdraft meant NO Overdraft and the representative told me that since it is a subscription it automatically comes out and that I should contact XXXX. The representative finally told me that is a safety account that has the feature I want, and naturally there is a fee for that. 

As a result, I had to cancel my XXXX account to avoid the fee.
Product: Credit card or prepaid card

On XX/XX/XXXX the first credit card account was opened and on XX/XX/XXXX the second credit card account was opened. I had 2 credit cards with XXXX XXXX XXXX XXXX and the XX/XX/XXXX account was closed with {$1800.00} owed and XX/XX/XXXX account was closed with {$1900.00} owed. The actions the company took was to close these accounts as charge off 's. I understand that I owed the amounts and during the time I was going through hard times and did not have any income to pay for these accounts. I did try to work with the company and they are indeed a great company, but I could not hold my end of the deal to make payments due to my situation. I am now trying to repair and build up my credit so I am able to have a chance to earn lines of credit in the future in society to help me establish and build my own business. It requires me to clean up my credit, so I am wanting to ask the company to remove my closed accounts from my credit report completely so I am able to move forward. Hope you will consider this as it will be very helpful in my endeavor. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, XXXX and Lexis Nexis involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Product: Debt collection

XXXX XXXX was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was discharged as a result, and I received a letter as well as about {$50.00} settlement amount. Constar Financial Services , LLC is attempting to currently collect the debt that was settled in the class action lawsuit against XXXX XXXX and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.
Product: Credit reporting

I have a collection item on my credit report that is not mine. I have disputed this item several times with the collection agency as well as with Trans union but this issue does not seem to be getting resolved., which has been impacting my credit report significantly. The company XXXX XXXX XXXX has put this mark on my report but the item wasnt validated. I have contacted them via phone, email and letters and they will still not remove this from my report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Product: Debt collection

Portfolio recovery associates is calling me twice daily for a single credit card debt using a caller ID number stating XXXX so I would pick up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported on my Experian credit report and it 's affecting my credit.
Product: Credit card

In XX/XX/2023 I submitted the paperwork required of me to Navy Federal to lower my APR on all credit cards and loans to 6 % per Louisiana State Law because I am active duty military serving in Louisiana. ( Louisiana Statute 29:312 ) I should receive back pay on all interest paid over 6 % from the date I got stationed in Louisiana on top of the 6 % interest cap. 
In XX/XX/2023 they approved the SCRA request but said it would be a few weeks before I got back pay or a change in APR. 
in XX/XX/2023 I called their SCRA department and they assured me that my request was still approved but they didnt know when it would be fixed. It is now XXXX.
Product: Credit reporting or other personal consumer reports

I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) of the United States to review this complaint. The following accounts and hard inquiries currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report is fraudulent accounts and hard inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX