23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, I called Chime Bank support. The lady on the phone told me my phone had me hacked by someone in ohio. she told me to look at this link and it will show me where it was. so When i clicked it, it shoed someone in ohio accessing my phone. Apparently that link was actually allowing the Support lady on the phone to access all my information an hack my phone herself. She completely drained my bank account. I was able to get the bank to refund XXXX. They refused to refund the XXXX that she transfered into her account directly. Her name is XXXX XXXX. I have filed police reports, she is located in new york. They have proven her account as fraud and she has scamed multiple other people. The bank still says they wont do any anything. The police say its out of their hands. I have been fighting this for almost a year now and NO ONE will do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. As a victim of identity theft, I have promptly reported this crime and now seek your cooperation in rectifying the situation. It is essential to remove all fraudulent information from my credit report and conduct a thorough investigation. I am prepared to provide evidence and, if needed, take legal action to protect my rights and pursue appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A LATE PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXXXXXX ACCOUNT # XXXX,,, XXXX90DAY LATE, XXXX90DAY LATE. ALL PAYMENTS HAVE BEEN ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I consider this fraud and plan on suing XXXX XXXX Bank for fraud and falsification of information if this doesn't get resolved. XXXX XXXX BANK keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXX bank keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX XXXX I AM PROVIDING PROOF with this document that the last missed payment was XXXX XXXX which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document
Product: Vehicle loan or lease

US auto sales filed bankruptcy and sold my contract to a debt collector, XXXX XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX I was told they took over. I asked for them to send me a copy of my contract which they could not provide. My vehicle had already been repossessed. I havent been told where my personal belongings are either. I was given one option. That was to pay {$8000.00} in order to receive my title. I was also told that I still owed XXXX on a XXXX XXXX XXXX that was bought in XXXX. The car was {$22000.00}! .. about XXXX XXXXXXXX  monthly.
Product: Credit card or prepaid card

In XXXX I was charged the full balance of my credit card ( I never agreed to those terms ) and that upended my checking account. I received a refund and have made all payments on time since then. The account has been paid off multiple times. Last month I was shocked to see that I had far exceeded my credit card limit and called to find out what the problem was. I was told the charges on my credit card were repayment for XXXX of this year when I had believed that to be settled and finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. ive reported alot of errors to all credit bureaus an nothing has been updated. this is my 2nd attempt to delete an remove all invalid data. please review an remove the listed items to clear an correct my credit report asap.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

Penfed is not forthcoming about the issue. They have decided to ignore my credit correction letters, stating it seems to be a " credit repair organization, '' and they are not required to investigate. 

They are stalling to correct the negative and slanderous information they placed on my credit file. My account was in a forbearance status. 

After I resolved my unemployment dilemma, I did not accept their unfair and exploitative loan modification program. I caught up on past due payments during the forbearance period ; They wrongfully listed my accounts as past due twice during the forbearance period. They have severely destroyed my above average XXXXredit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never file for bankruptcy me and my father have the same name this maybe the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have absolutely no idea who is this company showed up on my consumer credit report. They started reporting few months ago without my consent. I have no contract with this company Monterey Collections Ser and I believe that they obtain my personal information ilegally. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

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

I filed a complaint on XXXX with Equifax XXXX XXXX and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.
Product: Debt collection

Ran into unavoidable financial trouble and unfortunately was unable to make payments to a XXXX XXXX XXXX XXXX Was served with a lawsuit in XXXX by the law firm Stewart Zlimen and Jungers out of XXXX Minnesota. I immediately called and tried to get it taken care of and get some sort of payment arrangement set up as I was not trying to deny the debt, I just could not afford payments temporarily. The law firm made it almost impossible to get in contact with them, I left a message on or around XX/XX/XXXX stating my name and that I wanted to settle the debt. They did not respond and went ahead with the lawsuit. I didn't fully understand the nomenclature on the papers served and lost the lawsuit by default as I thought there would be a court date attached at some point, there was not. Then on XX/XX/23 my checking account was offset {$1300.00} and my savings was offset {$3100.00}. These funds were a combination of payroll funds I had saved up, and deposit for a job that services had not and still have not been performed as the money that was supposed to go to that job was taken. I did not take action then as I thought it would be a one time thing wouldn't happen again. I then tried to settle the debt with the lawyers but my offer of $ XXXX was rejected and they wanted the balance in full. This after they had literally drained my accounts so I had nowhere near the almost $ XXXX they wanted. Then in XXXX I received a letter they were going to garnish my wages. Not much I could do about it so the garnishment began on XX/XX/23 in the amount of {$550.00}. My next paycheck was on XX/XX/23, also the day I was let go from my job. On that check, {$680.00} was taken out of my last paycheck. On the morning of XX/XX/23 I filed for unemployment at around XXXX XXXX. At XXXX my checking debit card was declined, which it should not have. Turns out the law firm did another offset of my accounts, on wages that had already been garnished! This time they took {$2800.00} from my checkings and {$410.00} from savings. Again this was out of funds that had already been garnished, so they basically took 100 % of my paycheck, and what other funds were in there were from the same job that has yet to be completed as the homeowner floated me another payment to pay for material and labor costs. I had just made a mortgage payment on XX/XX/23 that is now going to be declined causing not only an overdraft with their client ( XXXX XXXX ), I will now incur late fees from the mortgage company and am left unable to pay it as all my funds were seized.
Product: Credit reporting or other personal consumer reports

i have disputed transunions refusal tp follow federal laws and lawmakers with cfpb previously. cfpb did nothing, well both XXXX and XXXX XXXX XXXX XXXX have investigated and concluded i have the been victim of felony identity theft. 3 months ago XXXX found that due to identity theft that i was in fact not liable for the same account i had disputed mu ; tiple times and transunion verified the debt ond continued to post the fraudulent accounts. 30 days ago XXXX XXXX found the defendant guilty of XXXX  identity theft. i reported all finings and they are still refusing to correct my security and my privacy. i have given transunion to meet very simple demands clear my credit report and pay me for the XXXX homeless years i spent because transunion ruined my life. had the CFPB done their job last XXXX when XXXX walked away with not even a slap on the wrist, i wouldnt have to suffer therough a XXXX cold winter on the streets. i filed formal complain with ftc then and i'll be filing again tomorrow. i have vendicated by the courts and corporate XXXX. its time this bureau taught their XXXX XXXX some lessons.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

THE CREDIT BUREAU STATED THAT THEY VERIFIED MY BANKRUPTCY BUT THE BANKRUPTCY COURTS SAID THAT THEY DO NOT REPORT OR FURNISH INFORMATION TO ANY CONSUMER 'S REPORTING AGENCIES. THE ARE ALSO NOT RESPONSIBLE FOR VERIFYING OR VALIDATING INFORMATION IN CONSUMERS CREDIT REPORT.
Product: Debt collection

The company Absolute Resolutions Investments LLC is attempting to sue me, while they are not licensed to collect debt in Texas.
Product: Checking or savings account

Deposited {$40000.00} at Citizens Bank in XXXX, MA, Saturday, XX/XX/2019 on a check written on a XXXX account from a large foundation to my non-profit organization, XXXX XXXX XXXX. I was told that the funds would be on hold until today, Wednesday, XX/XX/2019. 

When I went to withdraw the funds today, I was told by Citizens Bank that they were placing a hold on my account until XX/XX/2019 based on non-verification and release of funds from XXXX When I went to XXXX today, they gave me a written document showing that the funds had been released to Citizens on Monday, XX/XX/XXXX. 

When I returned to Citizens today, I was told that they could not correct it or release the funds. The Regional Manager has been told about this and is supposed to contact me, but has not.
Product: Debt collection

I have a court ordered if a {$0.00} balance judgment with XXXX XXXX XXXX National Credit System is placing that on my account knowing I have a court disposition saying it do not know owe this apartment complex. I tried contacting to send them the court disposition but the manager keeps giving me the wrong email address. I called XXXX and the manager XXXX has a personal issue with me, shes aware that I do not owe this and has been harassing me via email about this. She also threaten that she knows someone at the collection Agency and that they will placed it on my report. XXXX XXXX courts instructed me to give the court disposition to the 3 major credit bureaus if they attempt to place this on my credit. Which they did I am disputing this with XXXX currently.
Product: Student loan

On XX/XX/XXXX and on XX/XX/XXXX I had a total of two unsubsidized direct loans received to me to pay for school at XXXX XXXX XXXX XXXX in XXXX, CO and XXXX XXXX XXXX XXXX in XXXX, CO. I received the loans with the understanding I would have to pay them back. However, I was not informed by Navient and in fact mislead with my loan going into forbearance with no status update/options from the company. I received automated calls which I mistook for spam and when I tried to reach somebody at Navient they were not helpful in describing my options and how the interest that would accrue from a delay would negatively impact my credit score. 

Had I known that my loans needed to be paid at a certain date in XXXX or XXXX without any delay, I would have contacted my parents to help pay for them. Ultimately, my dad helped pay for the loans in XXXX which amounted to well over {$1000.00} in interest. 

I would like for this loan history to be erased from my credit score because I was greatly misled by Navient for about 5 years regrading my loans. I had no idea what my repayment options were even after attempting to look into my account several times.
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, fraud, and unauthorized closing of accounts, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering 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 scams. This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out and reported fraud
Product: Credit card or prepaid card

amex closed my card when my sick  veteran husband was in hospital and passed. i want my points and card reopened asap. heartless to vets