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

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies proof of verification or any documents resulted from your investigation proving that these accounts and information belong under my name. If you can not provide me any documents, please remove the disputed accounts and information off from my XXXX XXXX
Product: Vehicle loan or lease

I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my instructions.
Product: Debt collection

On XXXX XXXX  XXXX  EST Central Portfolio Control under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. 

This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. 

This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I sent certified letters to XXXX, Trans Union and XXXX asking to remove or block fraudulent and incorrect information from my credit report in accordance to ( FCRA ) 605 section B. Each Agency replied that they would not block said accounts because they were investigated and verified. The only way to verify said accounts is to do a through investigation requesting the original contract with my signature and corresponding signature from the creditor. There were no means of how the investigation was done nor any proof sent to me of the investigation as to how the information was verified. My rights are continued to be violated. I have sent a FTC and police report yet they are still not complying with the laws here under FTC 605 b.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 my Paypal claim XXXX for non described defective item was resolved as merchant refunded {$8.00} payment. However Paypal violated policy by reopening closed claim on XX/XX/20 for fabricated reason of recurring payment, framing me for having done so, & refusing to inform me of this action. My bank dispute closed XX/XX/20, & Paypal is in possession of closure letter same day of closure emailed to chargeback@paypal.com. This  demonstrates a willful violation on Paypal 's part to reopen ANY previously closed claim for ANY fabricated reason, in violation of their own policy to leave closed claim closed.
Product: Debt collection

This account does not belong to me, this address I was told this account was started I have never lived there.
Product: Debt collection

On XX/XX/2022, I sent Synchrony/Mattress Firm a certified letter regarding the account in question, in which they are claiming that I owe {$580.00}. I explained to them that I do not owe what they are saying I owe and the letter was a formal notice that their claim is disputed. I also requested validation ; that is competent evidence bearing my signature with my social security number, showing that I have ( or ever had ) some contractual obligation to pay them. In addition on XX/XX/2022, I sent another certified letter and this is my 2nd attempt trying to get this resolved and OFF my credit report.
Product: Debt collection

Good morning, back on back on XX/XX/XXXX i submitted a complaint to XXXX about a debt not owed. The company did respond back and say that they had got with there client and that a deletion of the account was processed on XX/XX/XXXX to remove the collection from all 3 credit bureau 's which they did. i get an alert that the collection has been added back to my credit for the same issue. Guys i need this to stop happening and not trying to keep adding this to my credit. This issue has to stop as it's already been decided that this is something i do not owe. Please kindly remove this ASAP This is the company 's response back on XX/XX/XXXX XXXXompany 's Response Good day, After thorough review of your complaint, please be advised that we have reached out to our client in regards to your claim. A deletion of our account was processed on XX/XX/XXXX to remove the account information from your credit file. Please note, once we submit the request to the credit agencies, it may take up to 60 days to reflect the update to your credit. On behalf of Sequium Asset Solutions , LLC I would like to apologize for any inconvenience this may have caused. Thanks, XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC
Product: Checking or savings account

I am a XXXX XXXX I ordered XXXX authorized transaction from XXXX XXXX XXXX ( based in XXXX ) and for XXXX year, they made fraudulent charges, totaling over {$1900.00}. XXXX has a protection plan, but they are playing hard ball and stonewalling me. I went through the process, and it has been over 30 days. I need help to reclaim {$1900.00} taken from my checking account. I have contacted the bank and the bank says to contact XXXX who does nothing. The date the fraud started was XX/XX/XXXX and it has been continuing until XX/XX/XXXX, in the total amount of {$1900.00} by XXXX, through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and XXXX XXXX XXXX as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am currently serving the United States XXXX XXXX XXXX. I have been serving for 7 years and 9 months now and been a member of Navy Federal Credit Union for about the same time. Last month, I filed a dispute with Navy Federal Credit Union about a 30 late day payment. The customer service rep said she could not help me. I was in transition from XXXX from XXXX in the month of XXXX XXXX when this delinquency was filed. My credit card account number is XXXX. I am currently XXXX in XXXX XXXX and want to a house through Navy Federal credit union. 80 percent of my accounts, installment loans, and auto loans and financed through Navy Federal and I love the relationship with this company. I want them to consider removing the 30 late payment in XXXX XXXX. I am trying to finance a house through Navy Federal in XXXX and was confused when they said they could n't help me remove this 30 late payment made in XXXX XXXX. Please help me solve this issue. 90 % of my accounts with XXXX XXXX are automatic payment because this issue I am having today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Auto loan company showed up on my report and I asked both XXXX  and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
Product: Vehicle loan or lease

US Auto went out of business due to fraud and sent our loans to a predatory lender by the name of westlake portfolio management. My loan amount and interest rate is ridiculously high for the value of the car.
Product: Checking or savings account

In XXXX XXXX, I noticed unauthorized fraudulent transactions on my account. Despite reporting the issue, I have been informed that they now plan to close my account. I did not authorize these transactions, and I am working to resolve the situation and prevent further fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting {$6400.00} owed to my Equifax and XXXX Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to Equifax and XXXX in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my Equifax & XXXX Reports.
Product: Credit reporting or other personal consumer reports

An unknown person used my information to apply for a credit card from this company, XXXX, XXXX, XXXX XXXX, and XXXX. I'm unaware of those credit card checks or applied for those credit cards.
Product: Debt collection

Caine & Weiner Company, Inc has falsely stated in response to a complaint # XXXX filed with the Better Business Bureau that correspondence was sent to my address in XXXX XXXX, XXXX XXXX and XXXX XXXX. Correspondence received ( see attached ) were only two pages, none of which outlined details from the creditor records that included policy start and cancellation dates, last payment dates and amount paid and the remaining balance due on the policy prior to cancellation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX  Account Number : XXXX
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 XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or 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: Mortgage

Borrowers experienced problems meeting their {$1200.00} monthly mortgage installment obligations to their lender as a result of the COVID 19 pandemic. Borrowers contacted erstwhile servicer, XXXX XXXX XXXX ( XXXX ) for assistance in XXXX of 2021. XXXX duly placed the borrowers in a forbearance program and required them to make seven ( 7 ) timely trial payments of the regular monthly payment plus catch payments. However, during the course of making the trial payments to XXXX servicing of the borrowers ' mortgage note was transferred to Selene Finance ( Selene ). After making the final trial payment on XX/XX/2021, the borrowers requested the permanent modification from XXXX  and were directed to Selene. Borrowers contacted Selene repeatedly for the permanent modification to no avail and were eventually informed that Selene did not even have the borrowers ' file. Selene therefore asked the borrowers to supply them with copies of the correspondence related to the trial payment. On XX/XX/2021, the borrowers received a final modification more than doubling their previous monthly mortgage installment payment to {$2200.00} and simultaneously increasing their fixed interest from 3.00 % to 5.00 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my fininacial institution and Zelle failed to investigate my claims adequately. They informed me 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 expliot the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Money transfer, virtual currency, or money service

This is not a new account with Venmo. Successful transfers were made in the past. BUT -- -- {$980.00}. was shown as available in my VENMO acct as of XXXXXXXX XXXX. I can not get my money transferred to my bank account on file -- -- -I think Venmo XXXX " floating '' my money to their advantage. '' 1. I have exchanged numerous emails. 
2. Different staff say different causes XXXX. Multiple phone sessions with Venmo support. Again, more excuses. 
3. I checked withy my bank -- -Bank says there have been NO attempts to transfer this money into my account from Venmo for XXXX XXXX months. 
4. Bank says all is good on their end. 
5. I have forwarded bank statements and pic IDs as requested to Venmo 6. My account was frozen for no reason, then unfrozen. 
7. Said I had XXXX personal accounts. WRONG! ..., I have XXXX personal and XXXX business 8. Venmo sends me round and round in circles with their " BOT '' replies to email inquiries/ 9, Venmo owes me interest for keeping my MONEY for NO REASON!
Product: Credit card

i have had a XXXX  credit card from capital one since XX/XX/2017 the limit on this card is XXXX on today i called and requested a credit limit increase first i was told that a credit limit increase would involve a hard pull when i was transferred to a supervisor i was told that a credit increase would involve a soft pull i was given a XXXX credit line increase i have credit scores over XXXX and excellent credit with capital one I feel that capital one being XXXX and discriminatory in their credit card policies i FURTHR BELIEVE THAT IF I WAS A XXXX  MALE WITH SAME SET OF CIRCUMSTANCES I WOULD HAVE GIVE A CREDIT LINE INCREASE MANY YEARS AGO AND I CERTAINLLY WOULD HAVE RECIEVED MORE THAN A XXXX DOLLAR CREDIT LINE INCREASE
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a Goodwill letter via email to the CEO of Capital One. In the letter I described the reason why I had fell behind the year prior on my payments and asked that they be removed due to searching for a home. On XX/XX/XXXX, a representative from Capital One called me to state that she received my letter and asked follow up questions. The representative also stated that I would have an answer by XX/XX/XXXX end of day. On XX/XX/XXXX the same representative called and stated that she could no remove the late payments. When asking the representative why I was denied, she stated that she had no answer. I then ask could I appeal the decision, the representative stated yes but that it wouldn't change anything. I did not make a payment between XX/XX/XXXX and XX/XX/XXXX due to moving to a new state for employment. During this time my wife could not find a job and I was unable to make the payments on time. Before XX/XX/XXXX and after XX/XX/XXXX I have made on time payments. I am working towards repairing my credit and searching for a home and this is one of the items hindering me from progress. I was financially unable to make the payments, however when I regained financial stability I continued to make on time payments and I have not missed a payment since.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1692j Is the Department of Education collecting debt or is XXXX XXXX, you are showing two separate entities collecting the same debt on the consumer report which is inaccurate also see : Dept of Ed/XXXX amount Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) This loan has completed the rehabilitation process.. Delete now.
Product: Debt collection

I am a victim of identity theft and someone opened this account in my name without my permission. I am requesting for Duvera Billing Services to delete and remove this fraudulent account immediately from my credit report or legal actions will be taken against your company. 

My rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion over and over again regarding XXXX on my credit file. I have sent them a notice that the account was a direct result of identity theft and have asked them to remove it. XXXX has also asked them to remove it yet they are still reporting it on my credit file. Attached is a letter from XXXX specifying for this to be removed. XXXX and XXXX have removed it therefore Transunion needs to follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received several phone calls over the last few weeks from this company claiming that I owe a debt for a utility bill of some sort. I asked why I was not served a letter saying that I had a right to dispute this debt before collection action was taken. The guy told me that they do n't send out letters like that only invoices and he thinks that it was stated somewhere on there that I could dispute it. I asked when would I get that letter since he was calling before I received any letter or invoice from them at all. He said not to worry about the letter and that he wanted to set up a payment for the alleged debt. I said never had XXXX for my utility he said sure you did and you owe the money, stop being a deadbeat and pay your bills. I hung up he called back 17 times in a row, and every day since at least 7 times. My XXXX year old daughter answered my phone a week ago and someone from this company asked for me and when she said I was unavailable he told her to tell me to get out of bed and get a job so I could pay my bills. I have sent a do not contact letter and it was ignored. I also sent a debt validation demand letter it also has not been answered. These are blatant and clear violations of the FDCPA, and the FCRA. They have not sent a dunning letter, they refuse to stop calling when I asked over the phone, they harassed me with multiple phone calls and terrorized my small child when she answered the phone. They refuse to validate the debt in any way, the 30 day time frame is now passed and yet they still call, and report this on my credit report.