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

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.
Product: Debt collection

The debt was made back in XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off XXXX of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX. The collection is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX FCRA Laws Dear ALLY FINCL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX XXXX XXXX 

It has unequivocally come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for ALLY FINCL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ALLY FINCL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ALLY FINCL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Consumer Loan

I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid. 
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter
Product: Mortgage

Carrington bought my mortgage in XX/XX/scrub> 2024 and I've had problems since. They are not honoring my FHA buydown. They are charging my year three interest rate of XXXX. According to the original loan, my buydown terms were XXXX year two which began XXXX of 2024. Please see attached loan documents.
Product: Checking or savings account

I applied to SBA for the PPP loan on or around XXXX of this year. I was approved by the SBA and had my funds sent to my Capital One Bank in the beginning of XXXX. For some reason, Capital One Bank said that they were not allowed to distribute the funds and I needed to contact SBA. I contacted SBA and they had no clue to what Capital One Bank was claiming. SBA verified my approval and the funds sent to Capital One Bank. I relayed the information to Capital One Bank and to this day Capital One Bank refuses to release my funds. The last conversation I had with Capital One Bank was that they were going to send the funds back to the lender. It has been over two weeks and they have yet to do so. I am responsible for paying back a loan that has nothing to do with Capital One Bank and is not in my possession. I have had several conversations with many representatives from Capital One Bank and requested their actions in writing. They have yet to send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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
Product: Debt collection

A collections agency, Voss Klein, is reporting to the credit agencies that I owe them a debt. I have never done business with this company and do not believe that I owe them anything.

I believe that they may have purchased a disputed account of mine, but they do not respond to my requests to send me a debt verification letter or to otherwise show me that they have purchased this account. 

Furthermore, I believe that they have improperly filed a lawsuit against me using the name of the original creditor as the Plaintiff. When I ask the attorney ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who owns the debt, he tells me that the school ( the original creditor ) does, but Voss Klein is reporting to the credit agencies that I owe it to them.

And neither Voss Klein nor XXXX XXXX will give me a debt verification letter, so I can not tell who actually owns this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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
Product: Money transfer, virtual currency, or money service

My name is XXXX. 
I feel frustrated because I don't understand why my account has been limited without any reason. 

XXXX XXXX. 

I don't have any dispute on my account. 
I just received {$1.00} XXXX  from family and friend and after payment the system place the limitation. 

I do not associate with nothing ilegal. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, Core Logic XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, and Core Logic XXXX  have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
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  Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX   : Account Number:XXXX  Account Name : XXXX XXXX   : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

My mortgage has been in forbearance for approximately one year in 3-month increments. At the end of my most recent forbearance in XXXX, I requested via the company 's online portal to extend my forbearance again. The automated system informed me that my request was approved, but that I would be sent further information once my application had been processed. During the entirety of my forbearance periods, I was always sent paper mail communications regarding my requests and approvals, however, for my XXXX forbearance request, I was not notified of changes in my allotted forbearance time of one month. Because all of my other requests resulted in 3-month approvals, and I had not opted for paperless communications, I did not receive the information regarding a 1-month forbearance. I was marked late for XXXX and XX/XX/year>2024, however, an automatic payment of {$50.00} was taken in XXXX. For my forbearances, I was on payment plans ranging from XXXX XXXXXXXX per month. If my application was not approved for the forbearance request in XXXX, why was a payment taken in XXXX, and then not in XXXX? Or, if it was approved for XXXX, why was I not notified via mail? When I spoke to a company representative on approximately XX/XX/XXXX, I was told that communication from the company was not sent via mail, but that it was available in the online portal. Again, I did not request paperless communication, so that information should have been sent via mail, so that I would not be penalized in derogatory marks on my credit report.

I am requesting that the late payment remarks be removed for XXXX and XX/XX/scrub> 2024.
Product: Mortgage

I called my mortgage company Loan Care a few days ago and asked if I could defer my monthly mortgage payment for 3 months since I got laid off my job due to Covid-19.  They said no I would have to apply for a forbearance program which would allow me to skip 3 payments but that I would have to pay back in full at the end of the 3 months. I would have to pay 3 months in mortgage payments in full at the end of 3 months! I called back today and asked to speak to a supervisor. I was put on hold for 30 minutes and then another customer service rep came in the phone not a supervisor. I asked again to so speak to a supervisor and was put on hold for another 30 minutes for another supervisor. This person told me that they could only offer the forbearance plan that there were no other options.
Product: Debt collection

Global Asset Agency added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request re : unauthorized inquiries on my credit file and this company has yet to respond. More than 75 days have passed and the inquiries are still on my file and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$69.00} Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card

Request for XXXX XXXX and Account XXXX I am writing to express my concerns and request your understanding and assistance in resolving an ongoing financial hardship. Due to severe financial struggles over the past few months, I have been unable to maintain timely payments on my credit card accounts. I am currently unemployed, which has made it increasingly difficult to manage my debts. 

I previously sought the help of a debt settlement company to negotiate and settle my outstanding balances, which include an account with a balance of {$XXXX} and another with {$XXXX}. However, I encountered an issue where, despite my efforts to settle just XXXX of my accounts, all accounts under my name were closed due to the policies of the bank, as my power of attorney was not fully accepted. This situation has left me with no open accounts, despite XXXX of the cards being in the process of settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Reinserted Account - Request for Removal Dear Experian, I am writing to formally dispute the reinsertion of a previously deleted account on my credit report. Upon reviewing my latest credit report, I noticed that XXXX XXXX XXXX ( Original Creditor - webbank XXXX ) Account Number XXXX has been reinserted after it was previously deleted following a dispute. 

Under the Fair Credit Reporting Act ( FCRA ), if an account is reinserted, the credit bureau must notify me within XXXX business days and provide certification of accuracy from the creditor. I did not receive any such notification, which is a violation of my rights under the FCRA. 

I request the immediate removal of this account from my credit report unless the creditor can provide verifiable proof that the information is accurate and was properly reinserted with the required certification. Please provide me with a copy of the reinvestigation results and certification of accuracy, as required by law. 

Enclosed are copies of my previous dispute letter, the the credit bureaus response confirming the deletion, and any other relevant documentation for your reference. 

Please complete this reinvestigation within the legally required XXXX timeframe and provide written confirmation of your findings. If this can not be verified, I expect it to be permanently removed from my credit report. Thank you for your prompt attention to this matter. I look forward to your response. 

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

After removing a false collections claim from I.C Systems from XXXX and XXXX, XXXX has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before IC Systems deadline. I have sent XXXX on XXXX separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. IC Systems is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to I.C Systems, but would. However it would take 60 days for it to reach IC systems, this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will see on the statement credit of XXXXXXXX XXXX XXXXXXXX informed me if the missing XXXX XXXX were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit they system, leaving users vulnerable to scam.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer for {$4400.00} on XX/XX/XXXX to an account holder in XXXX XXXX XXXX XXXX. Money was taken out on XX/XX/XXXX and the wire transfer confirmation email said Money will be available on XX/XX/XXXX. It's XX/XX/XXXX and the money is still not available in the recipient 's account. 

As per XXXX XXXX  XXXX XXXX, they never received XXXX from wells fargo. I have called thrice, XXXX XXXX  XXXX XXXX has reached out thrice, but Wells Fargo is so inefficiently handling this. 

The recipient is losing interest on the money ( which is not a small amount ) and the fee that was reduced from my account is useless as the transfer never happened.
Product: Payday loan, title loan, or personal loan

RSLFC is claiming payment for a loan I did not received. 

On XX/XX/19 I contacted RSLFC and they said they did not have any record with my name about a loan. 

On XX/XX/19, RSLFC claim a loan bought from another financial company which I am not responsable to pay : 1 ) XXXX XXXX XXXX XXXX was notified to cancel the loan with a XXXX XXXX for incorrect dental estimate. 

2 ) The XXXX XXXX stop the procedure and never mail any claim for the amount of any service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple letter sent to companies involved from 2018 until present day. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Experian 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: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX. Didnt finish, school mysteriously vanished. I received less than XXXXXXXX XXXX. Now they want over XXXX from me. This was in the mid XXXX. I dont mind paying back the few XXXX, but I dont have what they are asking. I feel as though I was, and am, a victim of a predatory lender. Please help me.
Product: Debt collection

This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.