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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, the list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states.

a consumer reporting agency can not frumpish an 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 tems of information any other adverse Tem of information, other tan records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX
Product: Checking or savings account

My account is charged {$36.00} for each overdraft even for small amounts such as {$9.00}. The bank do not give consumers a chance to make a deposit to cover the overdraft. You get a charge immedicably from Truist bank and they will not reverse. This is unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do no recognize none of these inquires. Nor did I authorize them. 
I've already contacted all XXXX, Equifax and XXXX in regards to the matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are XXXX Collections that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

We had a businexs fail that put us all but in bankruptcy, we have filed a few times but cases have been dismissed. In XXXX we had a devestating event with XXXX that ended up in job loss. We have bounced back with new positions and have filed for a loss mit plan in XXXX this year, our funding fell through and since then VMF has said no options are available we have recently received a letter ( attached ) that says we can apply for loss mit again and will be doing so immediately. 

*** Our home is negative in equity as is by almost {$20000.00} We would like to reinstate so we can refinanance in 2025 and get out from the almost 12 % interest rate - and has been above 10 % since we got the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a 1099C from XXXX XXXX The amount is incorrect on the credit report. The amount on the report is larger than what's on the 1099c, making me look as though I owe more. At this time, this is considered income because I have to pay taxes on the 1099c. I demand that the account be deleted because it is now income and not credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage service provider ( XXXX XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of XXXX. It took an entire MONTH ( XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being screwed by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was buying a car without financing and the dealership pulled my credit without my authorization.
Product: Debt collection

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status
Product: Student loan

I have a consolidation loan serviced by Great Lakes. My repayment plan was a tiered approach with three different repayment amounts. Throughout the life of the loans ( repayment began in XX/XX/2004 ), I have instructed Great Lakes to apply any overages from the loans to principle of the loan ( both on coupons and subsequently in various electronic communications submitted to them ). It has been my practice to submit approximately {$100.00} extra a month above each required payment ( I eventually switched to automatic withdrawals with this instruction ). Whenever I have inquired on this point regarding paying above the loan amount with a live person, I have been told that their policy is to apply overages to interest outstanding first, then principle. Additionally, I have received statements indicating my loan is " paid ahead '' by nearly {$9000.00}, in derogation of what I have told them repeatedly in written, spoken and electronic media. I believe, based on the statements on the CFPB website, the actions of the lender are in violation of student loan regs.
Product: Credit reporting or other personal consumer reports

Company has been asked to match investigate and remove fraudulent remarks on account. Company refused on numerous occasions violation consumer rights but failing to investigate for the past 12 months repeatedly. Attached is XXXX credit report with all fraudulent remarks non present. Company was walked to update account to match XXXX company refused. Company was asked to investigate fruad and remove files. XXXX refused. Company was called over the phone and requested to remove files, company refused, company was mailed letters certified mail and requested to remove fraud accounts, company refused. Company has consumer time and money by failing to investigate issues even when provide with resources. As stated attached is my one and only correct credit file up to date. Company has continuously reported fraud accounts with malicious intent and lack of regard for user
Product: Mortgage

PHH Mortgage XXXX  have not furnished verification to my concerns about their jurisdiction over my complaint against XXXX XXXX XXXX , XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX. Asset-Backed Pass- Through Certificates Series 2005-WCH1 and Ocwen Loan Servicing . In addition, PHH Mortgage XXXX HAVE NOT addressed in detail explaining their jurisdiction over my foreclosed account with the Trust of my property:XXXX XXXX XXXX, XXXX , PA XXXX and my Qualified Written Request for information, including documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX , XXXX XXXX , as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series 2005-WCH1 and all notes that should have been properly indorsed each time they were transferred.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX XXXX XXXX , as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Credit card or prepaid card

I specifically purchased a XXXX XXXX from Continental Finance to restore my credit worthiness. 
I paid the outstanding balance in full from my checking account but the clerk didnt properly enter the account information. 
So I made a second payment from my Checking account which the company is delaying in showing a credit so balance inaccurately reports Im over limit, which Im not because company isnt reporting payments made.
Product: Credit card

I received credit from Fortiva Credit Card to buy a couch at XXXXXXXX XXXX XXXX store. There was a deal for no interest if you paid it off in the one year period. The last payment was due on XX/XX/2023, however when I paid the balance left of {$100.00} they said that to have no interest I should've paid it by XX/XX/2023. After I paid, on the due date, the final payment I got a bill for {$310.00} in interest. They said I was late with the final payment so I didn't fulfill the no interest deal. I really believe they set the last payment date to purposely have me miss the interest free deal. I rely on my SSDI income, I purposely took strong efforts to pay it off on time with no interest, now they say if I don't pay the interest it will go to collections. I don't know how this is right, legal, or fair.
Product: Credit card

I made XXXX purchases for security cameras from XXXX : XX/XX/24 for {$430.00} XX/XX/24 for {$430.00} I returned these cameras because they were obviously used. Initially XXXX was not issuing a credit, despite my attempts to resolve the issue with them. Next I disputed these transactions with my credit card company ( Barclays ). XXXX issued a credit for the XX/XX/24 purchase on XX/XX/24. They did not issue a credit for the XX/XX/24 purchase. 

On XX/XX/24 I received an email from XXXX stating they would tell Barclays to resolve the chargeback for the XX/XX/24 purchase in my favor. Instead Barclays decided that case in XXXXXXXX XXXX favor, and refused to issue the credit. XXXX will not issue a credit, because they honored the chargeback, and told Barclays to resolve it in my favor. 

Instead Barclays decided it in XXXXXXXX XXXX favor. So I am not getting the credit, in spite of XXXX agreeing I am entitled to XXXX. I have spent hours on the phone with Barclays to get them to issue the credit on the chargeback. The representative had me on a XXXX way call with XXXX, asking XXXX to issue a credit. XXXX told her they honored the chargeback, so they will not issue a credit. The credit has to come from Barclays. 

I have asked multiple times to speak with a supervisor. That request was denied. They claim they will have a supervisor call me back. They either don't call, or they aren't there when I answer the phone ( on the XXXX phone call I received from them ). 

As I am writing this I am on hold with Barclays to get this resolved. FINALLY I got a supervisor. She has promised me the credit. With the run around and incompetence I have endured, I am not confident that I will get the credit. This has been promised to me multiple times.
Product: Credit reporting or other personal consumer reports

Upon other things, I mentioned in a previous CFPB dispute that this company is in violation of the FCRA by sending my personal information to an address which I have never resided. Whether that is the result of a mixed file or another cause, the simple fact is that it is a complete violation of privacy and confidentiality. This concern was left unaddressed which is also a violation of the FCRA. The following quote is a duplicate of the letter that was sent to them directly ( following the CFPB complaint ) regarding sending my information to an incorrect address. 

" To whom it may concern : " Resurgent Capital Services, I have received communication via mail pertaining to my dispute of all three accounts with LVNV funding. First and foremost, all three recent letters sent out by your office had been returned to the mail office and sent to my correct address. The above referenced address is my current address. I have never resided at XXXX. By you sending my personal information to an address which I have never resided at is a violation of CFPB XXXX labeled under duties of users regarding address discrepancies. As well as a violation of the FCRA. 
With that being said, pertaining to the letters that were sent, my dispute never included any mention of identity theft or fraudulent charges as stated in your most recent letters. My dispute was pertaining to the fact that my accounts regarding LVNV funding are open with both : Resurgent Capital Services and XXXX XXXX XXXX. Although your letter states that the current servicer is XXXX XXXX XXXX, I am still able to go on your company 's website and make a payment as well as review my accounts information. All account information from Resurgent Capital Services is being duplicated with XXXX XXXX XXXX. With that being said, delete all ties with these collections and Resurgent Capital Services. I am under no obligation to have further communication. 
Failure to comply will result in a formal letter to The Consumer Financial Protection Bureau and a claim filed for damages. 

Best regards, XXXX XXXX Enclosed : proof of identity and social security My concern has failed to be addressed on XXXX different occasions.
Product: Debt collection

The list down below has violated my federally protected consumer rights to privacy confidentiality under 15 USC act. 1681. 

XXXX last reported XXXX XXXX XXXX in amount of {$470.00}. 
XXXX XXXX XXXX XXXX and the amount of {$650.00} last report it was XXXX XXXX XXXX 
XXXX XXXX XXXX  account resolution services last reported the seventh XXXX at {$700.00}. 
XXXX XXXX XXXX XXXX last reported XX/XX/ in the amount of {$1000.00} Capital One Bank in the amount of XXXX
Product: Consumer Loan

I have 2003 XXXX financed through United Auto Credit. I am XXXX payments and have XXXX to go, the motor has locked and seized at this moment. I have been in contact with the financial institution from the day it has been inoperable. They asked me to obtain estimated cost of repairs so they may file for an extension on payments. I have done so on XXXX different occasions, but mysteriously everytime it 's sent over its a new person claiming to be my account manager. At this present moment I am being harassed on a daily basis over a payment, in which I was told would be extended if i sent over the required documentation ( estimate/qoute )
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus did not do a proper " investigation '' according to the FCRA. 

XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 

Experian did not do this. 

Also Experian has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 

Experian stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2018. 

Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Experian on the account XXXX XXXX XXXX XXXX the dates last active are reporting differently on my most updated report that was sent to me by Experian after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 

This is grounds for removal as Experian informed me a proper investigation was completed and the information was accurate when in fact the information is not. 

I have submitted the reports from Experian that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports.
Product: Money transfer, virtual currency, or money service

This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA the CFPB 's lawsuit filed 12/20/24 ( Ca-cv-03652-SMB ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.