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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Massage from early warning services said that Bank of America is stating that all fraudulent account information is accurate when thats not true. I have provided a FTC report and a police report along with an affidavit of identity theft. I am unable to open any bank account due to this unlawful manner, this is causing me a huge problems and XXXX affected mentally.
Product: Mortgage

I had a short sale offer that on a home that was approved on XXXX/XXXX/15 by HSBC. I contacted them for status on XX/XX/XXXX and was told that the short sale was still in the approval process. I received a letter from HSBC dated XX/XX/XXXX stating that the short sale had been approved.Because of this the buyers withdrew their offer. I decided to do a deed in lieu and started the process. Today, I followed up and was told that could not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX  without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. 

They can retrieve the police report directly from the XXXX XXXX police department.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Original Creditor : XXXX CORNERSTONE CROSSING APTS ) XXXX Balance : {$1600.00} XXXX - XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
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 XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Capital One has engaged in dishonesty and immorality with its billing practices. Capital One refuses to refund a sky high billing charge after its agent promised it would be refunded and Capital one charges me almost 30 % interest on that billing charge. 

Embedded in its terms and conditions are policies and clauses that allow Capital One the ability to FLEECE its customers. Also I informed Capital One I was on hard times and asked what programs they had to assist me and I was told by its agent that the only way I would be assisted was to become delinquent on the bill and take the credit hit. Yet I called and spoke to another agent who said they could help me and then the agent grew silent and refused to provide any info on how I could be assisted. I was also told by a Capital One agent that I agreed in the terms and conditions to forever waive my right to pay the principle down early with extra payments. 

The agent explained that Capital One does something called Associated Payments where nomatter how much you pay early they will never apply the excess payment to your principal. Ever. 

This is evil. 

Stay Away From Capital One if you don't want to be fleeced.
Product: Debt collection

Transworld Systems Incorporated is trying to collect a medical debt that I do not owe. I contacted Transworld Systems on XX/XX/XXXX at XXXX XXXX. 
No date of service was provided on the mailed collection letter I received on XX/XX/XXXX but after speaking to a representative, XXXX from Transworld Systems, she told me the date of service was shown as XX/XX/XXXX. I had already spoken with a supervisor named XXXX at the XXXX XXXX billing dept . who said that they do NOT use Transworld Systems Inc for any collection purposes and that she checked by using my social security number and found that I had a XXXX balance and owe them nothing. XXXX, at Transworld Systems, said that a dispute would be filed but refused to give me a transaction number of the dispute. I told her that I was recording the conversation and she became arrogant and hung up the phone. 
Transworld System is listing my supposed debt account as # XXXX and the letter was printed on XX/XX/XXXX in the amount of {$1700.00}. Transworld Systems says that I owe it to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with a bogus creditor account number of # XXXX.
Product: Debt collection

This bank has been calling 5-7 times each day, including Sat. and Sunday, for several weeks now. I have never answered these calls. These calls are nerve racking because they are constant. I have contacted a company who is handling my credit card accounts, and will try to negotiate a settlement with the creditors, however they won't contact them until the accounts are 4-6 months past due. 2 days ago I received a letter from them, which I have to sign for, but I was not home and don't have it yet. These calls are from one creditor which is Synchrony Bank, XXXX. XXXX XXXX, XXXX FL XXXX Ph # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from XXXX that indicated that they ( XXXX ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail. 

I also pulled the contract that I signed and the previous statements. At no time does XXXX indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
Product: Credit reporting or other personal consumer reports

These 16 accounts and 1 inquiry that are reporting negatively on my EQUIFAX credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Debt collection

This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with XXXX XXXX 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name XXXX XXXX XXXX of XXXX XXXX XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Product: Credit reporting or other personal consumer reports

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section.
Product: Credit card or prepaid card

Id try disputing chargers on my capital one credit card from a car rental company that double charger me. however capital one try to dispute back in XXXX XXXX XXXX, 2020. Meanwhile during that period of time my wife and I had a baby and the document they were asking for I send them too late. I called capital one to try to dispute again this past XXXX and they told me that they cant reopen the case because its a master card, they told me that I am fully responsible for the chargers. I have proof from the car rental company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency violated XXXX XXXX XXXX XXXX ( XXXX ) by furnishing a XXXX XXXX  XXXX account on my consumer report without my written permission. I never gave the consumer reporting agencies written permission to furnish XXXX XXXX XXXXXXXX on my consumer report.
Product: Debt collection

XX/XX/year> Amount : XXXX $ I received a call from the collection agency & I told them I can not pay because I have a lot going on.
Product: Credit reporting or other personal consumer reports

great significance concerning the inaccurate information presented on my Consumer Credit Report. This incorrect data has resulted in significant hardships for my family, leading to the denial of credit and challenges in securing essential resources for our well-being.

These inaccuracies have directly resulted in the denial of credit, which has had a domino effect on our ability to obtain vital resources, such as a car for employment and a stable residence.

Never Received Witten Communication via CERTIFIED MAIL. Vehicle wrongly taken up for repossession, 2nd time i believe a breach of peace was made but due to Not having knowledge of the law I was made to pay extra and interested increased.Deferment payments never accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.
Product: Credit card or prepaid card

I dont know every time I was called scammers or who, because after I approved capital one credit card and also made purchases on the card already, then they frozen my account ask me to send in ID copy and SSN card copy and utility bill statements just for verifying I am the card holder or not, This very songs like scammers but my capital one credit card account is frozen, But anyway I did send in my ID, my tax forms from recent years, and my address utility bill statement, but still not work, the person whos on the phone must ask me to send in my SSN card copy, I just got confused, thats how capital one credit card company let us know how to protect identity by ourself? or thats just the ways making you guys workers easy? who told us dont sending any personal information documents to anyone or email or fax? why dont face it up? As a bank credit union , a public establishment, what can our users trust you?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, neither my financial institution nor Zelle itself took sufficient steps to investigate my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Ive noticed I had inquiries on my report that I dont recognize and I havent authorized them to run my credit and I want them deleted ASAP- i already filed identity theft
Product: Debt collection

A collection for {$4700.00} by national credit adjust was placed on my credit. I never took out a loan for this amount or used the company that sold the collection which was XXXX XXXX. I have disputed this account several time to no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Exeter Fin made an unauthorized fraudulent hard inquiry to my XXXX  report. XXXX  has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.
Product: Debt collection

On three separate occasions, Blackwell Recovery has called my cell phone and then immediately hung up when I answer. When I attempt to return the call, I am placed on hold for 3 minutes, and then hung up on. I know that it is Blackwell Recovery, because they identify themselves that way on the automated answer to my call. I don't know of any account that I have in collections, and I don't know what Blackwell Recovery believes I owe, or how much they believe that I owe, because they refuse to speak with me.
Product: Student loan

On approximately XX/XX/XXXX, I requested a repayment of all the student loan payments that I had made during the COVID-19 forbearance - roughly between XX/XX/XXXX and XX/XX/XXXX. The payments total approximately {$6800.00}. As per protocol, I made the request to my then servicer FedLoan Servicing. My loans had just gone through a series of changes in servicer. I had most recently been transferred to FedLoan Servicing from XXXX XXXX, however, the payments in question had been made to XXXX XXXX XXXX. I was told that FedLoan Servicing would have to request information from the previous servicer and this would cause some delay but that it should take no more than 90 days. 

On XX/XX/XXXX, I called FedLoan for an update. I was told that the refund request had been placed on hold on XX/XX/XXXX pending outreach to the servicer. I again clarified that all such queries must be made to XXXX XXXX XXXX as XXXX had only had my loans for a couple of months and no payments were made through them. The FedLoan representative could not tell with the information query had been sent or when the hold would be removed. I was told that the new timeline was 150 days. 

The wait has now extended beyond 150 days. I've sent another query to FedLoan Servicing but have not yet received a response. 

Thank you for any assistance you are able to provide.
Product: Debt collection

Upon closely reviewing my latest credit report, I found multiple accounts that seem to be inaccurate and were added without my consent.
Product: Money transfer, virtual currency, or money service

A wire IRS transfer through the XXXX XXXX XXXX XXXX was sent to my business account PNC Bank. I attempted to do two wire transfers. One went thru for {$23000.00} the other did not. This transaction took place on XX/XX/2023 and before close at the end of day PNC had suspended our account. Today is XX/XX/XXXX and we have not heard anything from them in reference to our account. We contacted the XXXXXXXX XXXX XXXX and received the tracking # for the transfer # XXXX and we were also told based on their system that the money has cleared and the funds ate available with PNC in our account. This is week 3 and no one will contact us or give us any information as to why they will not release our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors 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 Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am a Chase customers with a Southwest Chase VISA credit card. This card is advertised to come with free rental car collission damage waiver coverage. I was in a rental car accident in XX/XX/2023 and have been working with XXXX which is Chase 's provider for this service. They have been highly negligent and are not paying the car rental company claim for coverages. I confirmed with them that I provided all documents but they are just giving me the run around. Chase credit card made it sound like they would cover my claim but they are not. We are talking about a {$32000.00} claim. Car rental company tells me they will send me to collections unless this is paud. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXr You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear PNC BANK CARD SERVICES, I am demanding the removal of this following charge-off account listed PNC BANK CARD SERVICES, ACCOUNT # XXXX OPENED ON XX/XX/2021. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This is considered an inaccurate account, and this is defamation of character. 

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

following acct info is incorrect and is adversely affecting my livelihood. 

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

FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes x, unknown information because according to XXXX the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. 
Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.