23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal information being stolen by ID theft, they opened multiple bank accounts and applied for mutiple loans under my name in the country. 

I contacted those fraudulent bank accounts and most of them being closed and investigation completed, and my fraudulent debts were disputed. 

Multiple fraudulent accounts, as below already solved. 
XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX, account ending XXXX ; XXXX, account ending XXXX ; In this report, I claim for the fraudulent Bank of America Bank account, ending XXXX. 
I require to dispute this fraudulent account under my name. 

I already filed ID theft, frozen Credit report in the Credit Bureaus. I filed the police report in XXXX XXXX, case number XXXX. And federal Trade Commission case 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$480.00} Open Date XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have a copy of my credit report and after reviewing it by law my student loans are not supposed to be on my report it has been reported on my credit report without my consent.
Product: Money transfer, virtual currency, or money service

As a long-time user of Zelle, I am compelled to express my deep concern regarding the platform 's handling of disputes, particularly in light of the recent CFPB lawsuit. Despite my efforts to report discrepancies, I have been met with inadequate investigation and dismissive responses from both my financial institution and Zelle. The CFPB 's findings are alarming, highlighting Zelle 's failure to protect consumers and its inability to prevent repeat offenders from exploiting the system. I urge Zelle to take immediate action to address these systemic issues and ensure that users are adequately protected from scams and fraud
Product: Credit card or prepaid card

Capital One CC department and I have had on going issues throughout XX/XX/XXXX to current. With the ability to snoop cell phones, Capital One does have my phone on " tap '' and I don't know by whom. Over the past two months any online purchases/payments that I attempt to make have been rejected forcing me to go to the merchants. According to the " merchant sites '' my card is rejected. 
1st incident is with XXXX XXXX in XX/XX/XXXX when I attempted to make a payment online. Rejected. Forced to drive, using my gas and time in order to complete my payment. 
2nd incident is paying for gas. Rejected at the pump. I used the app, turned on the card. Card rejected again. Called the CS dept. They had to turn it on because the app malfunctioned. XX/XX/XXXX to JXX/XX/XXXX 3rd incident is purchasing my school book for college. Rejected by merchants site, which worked in XX/XX/XXXX, due to billing address is " XXXX XXXX XXXX and I was forced to take off wirk , drive 4 hours from XXXX to XXXX in order to purchase the required materials for college because suddenly my card isn't capable to function. 
I spoke to representatives all day XX/XX/XXXX regarding the issue, accepting their excuse of blame shifting the issue to the merchant. 
And this evening I reviewed my credit report, XXXX, and Capital One Credit Card company 1.  Closed my card account ( by report only ) 2. Made false dispute claims 3. Has the exact same card open status. The closed & open account are the same, and the online transactions are matching with the closed report that was reported to XX/XX/XXXX, which explains the rejected transactions, that 'Capital One ' claims they have no record of, " On their end. '' I'm tired of their games. And I'm not closing my accounts so they can force me to have lower credit scores due to credit history of account length of time. This is a strategic game of Credit Score Manipulation. Length of Time for credit cards are a factor in calculating a credit score. I've trusted the bank over the years until XX/XX/XXXX since I discovered they use the snooping apps to listen in on consumers phones. And since I've confronted these issues, they are retaliating and causing me to lose time, money, hours at work, embarrassing moments with merchants and always forcing me to speak with Customer Service in the XXXX. I always have to Request a Transfer to USA Representatives. Always! 
I'm at a point now where I can fight 100 %. Please help. I've done nothing to deserve this treatment. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with XXXX, Transunio and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation EXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX XXXX I The reporting of these accounts are also violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, HJR 192 eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated .
Product: Mortgage

Freedom mortgage is my collector. During this covid 19 time they are not picking up the phone. I want to delay the next few months mortgage. Till my wife goes back to work. She was advised not to work. I am on XXXX. There is no communication with Freedom mortgage. Pls help!
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX 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 XXXX 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

I have been trying to do a FHA refinance streamline mortgage since XXXX/XXXX/XXXX. I submitted every document that the processor asked for. Underwriting stated that I had an fraud alert on my XXXX credit report which was a ( consumers statement not an alert ) I was instructed to remove the fraud alert or add my phone number to the report, which was already noted on XXXX credit file ( phone number ), I faxed the credit report to the processor and the Loan Officer. I was then told it needed to listed on XXXX there 3rd party credit bureau. XXXX informed me there 's no area were they list personal ph numbers on there reports. XXXX back and forth trying to clear this last condition being told by processor and loan officer were n't not sure why underwriting will n't clear the condition. XX/XX/XXXX I was told this information and email notes would be forward to a supervisor and they will get back with me. It 's XXXX/XXXX/XXXX and I have n't as of yet received a call from anyone or refinance my loan. Where do I go for here interest rates are increasing!
Product: Debt collection

Hello! I have a XXXX XXXX XXXX that is in default status. It is being serviced with the XXXX XXXX CTI ( Collection Technology Inc. ). Back in XXXX of XXXX I spoke with a representative at the company about rehabilitating my loan to get out of default status. She took all of my information, did a financial statment, and made me agree to have my monthly payments be automatically withdrawn from my bank account. I did question her at the time about why the payment had to be automatically withdrawn, and she explained that it is required for the rehabilitation. 

After XXXX took all of my information, she said my monthly payment would be $ XXXX/month during the rehabilitation process. CTI immediately withdrew the first payment that same day in XXXX XXXX. XXXX said all I had to do was fax/e-mail back a document allowing them to withdraw the payment from my bank account and that I was all set. 

A few days later, XXXX asked me to send her a few more documents. Proof of income and proof of payments on my other student loans. I did send both requested documents. 

Now, fast forward to XXXX XXXX. I have received a call from a representative again, XXXX XXXX. XXXX said my rehabilitation was to be completed in XXXX of XXXX, I just needed to sign the rehab agreement letter before it being completed. After a couple more weeks of back and fourth calls, I finally receive a copy of this letter. 

The rehab agreement letter was dated from back in XXXX, and it stated that I agreed to pay $ XXXX/month for 9 months to rehab my loan. I contacted Cti immediately and told them that I had never agreed to pay $ XXXX/month, I agreed to pay $ XXXX/month, which I had been - automatically withdrawn each month from my account. They claimed it stated {$250.00} because I never sent the required documents and if I was not paying $ XXXX/month my rehab would be invalid and would not be completed. 

I have been in touch with multiple reps to resolve this. I 've sent multiple documents. And the reps continue to brush it off, claiming their system is down and they PROMISE to call me back before the end of the day. Most recently, XXXX XXXX at CTI. I called her 4 times yesterday and everytime it was an excuse - her manager was in a meeting, the system was down, manager still in a meeting ... she promised to call back and never did. 

Now I am very upset. I never wanted my loans to go into default. I did n't know what I was getting myself into when I even signed for the loans. My parents did n't educate me on this. My school did not educate me. Prior to getting hired at my current job, I was unemployed for almost a year. I 've been working my tail off to get my life and finances together. That includes getting my student loans into good standing. 

Cti has been no help. I do not want this blemish on my credit report. This collection agency has turned this whole situation into a nightmare and has done nothing to assist me in getting it resolved. 

I do have documents, dates, names, and specific details if needed. 

PLEASE HELP!! 

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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with JHPDE FINANCE I , LLC. This Catastrophic error and negligence on behalf of JHPDE FINANCE I , LLC is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 



XXXX Account # XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a loan with Affirm in XX/XX/2021 to pay for a college course with the company XXXX that was partnered with XXXX XXXX. 

I called customer service within the return period the first XXXX weeks, XX/XX/2021 into the course. Since the company that sold me the course was based in XXXX, I received their customer support line, and each customer service representative promised to have the salesperson called me back. This went on for 30 days. I tried calling the sales representative who sold me the course but the phone number was disconnected. I entered several help tickets to get a refund from XXXX in their help site. I made cals to follow up on the tickets and each client service representative told me they were escalating my request, only no resolution or follow up was ever completed. 

I contacted Affirm to tell them about the fraud and they opened up an investigation. They never heard back from the vendor - XXXX and did not process a refund as well. 

I contacted the Educational vendor again and asked for a refund again, and was told it was escalated and sent to their billing department for a refund. I was denied the refund as they now said it was ocer the refund period, since 4 months had now passed by since the original purchase. 

I disputed the charge again with Affirm and they denied my dispute. 
I entered several client support messags during the first 30 days of the course for a refund which there should be a record of in XXXX client service database, and they have ignored every attempt to check the audit trail as they do not want to return the money. 

In addition, I have asked affirm to defer the loan, and they refuse to do so. 
This is an educational loan and should be eligible for deferrment. Currently, I am out of work and can not pay it. The total of the loan was XXXX dollars plus interest. 

I would like assistance, in closing out the existing balance of the loan, and going after XXXX for not responding to me to refund me during the refund period. They purposely ignored my requests for a refund until the period for the refund was over. I was told someone would be getting back to me on 30 individual calls I had with different members of customer support in XXXX. I tried calling all hours of the day, to be on the same time zone as XXXX working hours. Affirm did nothing to help me dispute the charge and recognize that this payment was frauduent and that the vendor did not act in good faith. They should not be allowed to give out student loans as a buy now pay later company if they do not follow the same rules as XXXX XXXX and other financial institutions that allow deferrment of student loans and refinancing. 

Thank you, XXXX XXXX XXXX
Product: Credit card

I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.
Product: Mortgage

Ditech Financial claims unpaid payments in a statement recieved XX/XX/XXXX states payment due for : Regular monthly payments is XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX says fully paid claimed an amount due of XXXX Then Jumping to a statement on XX/XX/XXXX payments claim due for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on the same statement XX/XX/XXXX fully paid Total amount due XXXX The payments processing coordination has caused the amount due to grow by claiming some payments were sent to the wrong Di Tech location and missed completely. 
I am a XXXX  widow of a XXXX XXXX XXXX police officer that XXXX  in the line of duty with a pension my income is fixed and stable I can't believe i can lose my husbands home if this continues like this
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in contact via mail with all three of the major consumer reporting agencies regarding fraudulent established accounts reporting on my credit file. Currently a company by the name of NCB Management is reporting a fraudulent auto loan on my XXXX  and XXXX  credit report after being notified from the bureaus of the most recent status. In addition the open date reporting is totally inaccurate and doesn't match the open date of the original fraudulent account reporting on my credit file. These inaccuracies are grounds for immediate removal and violates both the Fair Credit Reporting and Fair Debt Collection Practice Act. I have previously been denied credit due to these inaccurate accounts reporting and find this being totally unacceptable due to the length of time this issue has been going on.