23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is Information that is on my consumer report that is a result of identity theft and are in VIOLATION!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681c-2 A Consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX 's ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
Product: Credit card or prepaid card

XX/XX/XXXX : Chime e-mails me that there's a new login to my account. I never had a Chime account and this is news to me! 
XX/XX/XXXX : Chime CEO, XXXX, e-mails to congratulate me on my new account. 
XX/XX/XXXX : Chime e-mails me that direct deposit has been set up for my account. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
XX/XX/XXXX : Chime e-mails that I'll get a bright green envelope with a new Visa card soon. 
XX/XX/XXXX : I e-mail Chime to complain that this is identity theft and fraud. I receive automated replies. 
Chime e-mails again on XXXX, XXXX, XX/XX/XXXX. 
XX/XX/XXXX : the Chime Visa card arrives XX/XX/XXXX : Chime e-mails me that there's a new login to my account from XXXX, PA, USA, on an " XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a XXXX XXXX XXXX since XX/XX/XXXX. The name of the company is XXXX XXXX XXXX. On my credit report it has red marked on eight accounts listed below : XXXX- Potentially Negative- Paid off XXXX XXXX- Late Payment- Paid off XXXX XXXXXXXX XXXX XXXX- Potentially Negative- Paid off XXXX- Potentially Negative XXXX XXXX Paid Off XXXX- Potentially Negative- Paid Off XXXX XXXX- Potentially Negative- Paid Off XXXX-Potentially Negative- $ XXXX It will be paid off XX/XX/XXXX XXXX XXXX XXXX XXXX Collection acct is paid for less than full balance in XXXX. This need to be removed since collections can be removed due to a dispute or settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with Seterus. They took it over from XXXX and it is a XXXX mortgage. I am being told that my first payment with XXXX was used to implement the mortgage. Therefore I am behind XXXX payment. When I asked for the statement showing where the money went, they cant or wont produce it. I have all the statements from XXXX and the statements show a normal monthly payment. Seterus tells me to stop asking for this information. I have statements from Seterus that are absolutely inaccurate and ridiculous. I have told them show me where the statement, closing statement, loan origination statement and they refuse to do that. This is now five years old and they are about to foreclose on our home. I have written them and explained to them, just show me the statement and I will immediately send the missing payment and all the late fees that have originated in the last five years. I have never been foreclosed on and have not missed any payments. There most likely will be a court hearing and at that hearing I will present my letters asking for this XXXX item from Seterus. I even sent them a bank statement showing all my payments. Not XXXX is missing.
Product: Debt collection

XX/XX/2020 We paid the debt directly to XXXX XXXX XXXX. We were assured all was paid and they would immediately have it removed. 
We had no idea we still owed them we went to another insurance company. 

Now 11 months later I get an alert on my credit of a collection agency saying I owe them {$130.00}. 

This debt should have never been on my credit and now it's effecting us greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with XXXX, Transunion or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Product: Credit card

I believe this late payment entry is inaccurate and unfairly impacting my credit history. I respectfully request that you investigate this matter and provide a written explanation of your findings. I have consistently made timely payments on my account, and I take my financial obligations seriously. Any deviation from this pattern is likely due to extenuating circumstances or errors beyond my control.
Product: Debt collection

This debt has not been verified. There were no contracts or signatures provided.
Product: Debt collection

I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....
Product: Debt collection

I NOTICE A ALLEGED DEBT FROM PHOENIX FINANCIAL SERVICE FOR THE AMOUNT OF XXXX $ THAT I DON'T OWE ON XXXX HAVEN'T HEARD FROM THEM OR RECIEVED ANY INFORMATION THAT I REQUESTED.I HAVE ATTACHED A COPY OF THE LETTER BELOW.
Product: Checking or savings account

My mother had fraud on her Fifth Third savings account on XX/XX/XXXX ( I am POA on her accounts XXXX. She found the fraud when looking at her checking account and went into the branch right away on XX/XX/XXXX to dispute the transaction. Fifth XXXX denied the claim. She went to the branch on XX/XX/XXXX to find out why. She was first told the other bank had proof it was valid. This was not the case. They later said it was that she didn't sign an affidavit. She was never sent an affidavit. She signed the affidavit on XX/XX/XXXX. It is now XX/XX/XXXX and we are being told they are still reviewing the case. I've reached out to the branch multiple times. They said they have escalated to the Office of the President. They took the funds back out of her account when the case was denied. My mother is elderly and I feel as though fifth third is discriminating against her. I had to be added as POA to help try to resolve this issue. I feel Fifth Third is exceeding it's time frame of resolving this issue. My mother didn't even know you could ACH from a saving account. If she needs money it is moved from a saving to her checking. I'm hoping you can help move this case along. My mother 's information including case number. 
XXXX XXXX XXXX Case # XXXX Acct ending XXXX
Product: Mortgage

ONCE AGAIN I COMPLAIN. I AM SURE YOU WILL DO NOTHING ABOUT MY COMPLAINT! YOU ARE MY GOVERNMENT AND YOU DO NOT PROTECT ME FROM CHASE BANK THE MOST SCANDALOUS BANK THERE IS. EIGHT YEARS OF LIES, DECEIT, THEFT, COMPLETE INCOMPETENCE, AND RECKLESS HANDLING OF MY FINANCIAL AFFAIRS.CHASE HAS TRIED TO GET ME TO COMMIT PUGERY BY ASKING ME TO SIGN DOCUMENTS ON A MODIFICATION THEY TOLD ME I QUALIFIED FOR.THEY ILLEGALLY FORECLOSED ON MY PROPERTY IN 2010. I HAVE SPENT {$37000.00} IN LEGAL FEES FIGHTING THEM. THEY TOOK MY PROPERTY BUT HAD TO RETURN IT DUE TO THEIR NEGLIGENCE. BUT BEFORE THEY DID, WHILE I WAS IN THE REDEMPTION PERIOD OF THE ILLEGAL FORECLOSURE, THEY BROKE INTO MY PROPERTY AND DID {$2500.00} WORTH OF DAMAGE, CUT MY UTILITIES OFF, CANCELLED MY UTILITIES. ALL ILLEGALLY. AND YOU STAND BY AND DO NOTHING. NOW I AM BACK TO SQUARE ONE. I MUST ACCORDING TO THEM SEND AN APPLICATION AND MORE PAPERWORK. IVE DONE THIS AT LEAST SEVEN TIMES. IT IS A SHAME OBAMA OPENED YOUR OFFICE TO HELP PEOPLE BUT YOU DO NOTHING. I WANT TO BE CONTACTED DIRECTLY BY YOU AND BY XXXX XXXX TO FIX THE NIGHTMARE THEY HAVE CREATED FOR ME. LIARS AND CHEATS. THEY HAVE DESTROYED MY EXCELLENT CREDIT RATING OF XXXX. IT NEVER ENDS. I JUST KEEP HAVING TO DEAL WITH XXXX EMPLOYEES OF CHASE BANK.WHO DO NOT FIX ANYTHING.FILE THESE COMPLAINTS WITH YOU AND LIKE I SAID YOU DO NOTHING.THE ONLY REASON I GOT BEHIND IS THEY TOLD ME I HAD TO BE BEHIND IN ORDER TO GET THE MODIFICATIONS. I HAD NEVER BEEN LATE WITH ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : DEPT OF ED Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Untitled Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I initiated a dispute with XXXX on my installment account with Chester County Auto Finance and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost XXXX points at the time and lose credit history and payments. I reached out to the creditor Chester County Auto Finance and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to XXXX. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over XXXX on time installment payments after the dispute including very large payments to pay the loan off early. The XXXX on time payments over XXXX years on a $ XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.
Product: Mortgage

I completed several applications for loss mitigation. Underwriting claimed it could not make a decision because the file was missing tax documents which Carrington admitted it already had in its possession. At the direction of Carrington, I submitted an " Appeal of Denial '' together with executed copies of the alleged missing documents. Instead of a response, Carrington started a foreclosure which is pending XXXX XXXX, 2016. This is clearly dual tracking and I am asking that the foreclosure be stopped as I am ready willing and able to pay off the mortgage on or before XXXX XXXX, 2016. My offer of settlement is {$150000.00} XXXX Dollars.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past 6 months, XXXX XXXX has IGNORED all of my validation of debt letters sent to them, and have NOT sent me any of the specific documents that I have requested each time to be sent to me. They are reporting false information to the credit bureaus, stating that the account information is accurate, even though they have not sent me any of the specific documents that I have requested in all of my letters under my FDCPA rights.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is collecting for XXXX, which was purchased by XXXX, saying I owe money when I don't. XXXX refused to give me my account number with them ( it wasn't on the statement ) so I couldn't use local number portability. I verified the amount of money I owed, paid it, and closed my account with XXXX. I want their say collection removed from the various credit agencies. 
They called me, I told them I was never paying this as I didn't owe the debt. I called them today, XX/XX/XXXX, at XXXX PM XXXX, no customer representative was available to take my call. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX  Closed No Information
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

they started all this XX/XX/XXXX, I have talked to synchrony bank many times I had first talked to an XXXX on XX/XX/XXXX and then XXXX after that I let them know that I am in very very financial hardships due to have XXXX to pay for and meds to pay for they have also told me on that day that I would have to pay to close the accounts I have never heard that in my life, these are supposed to be there programs to help people that doesn't help anyone especially someone that is sick, I have asked them to stop calling me and they continue to repetitively call many many times a day and harrarss me, even after telling them to stop.They have only sent out one letter to me that has the amount of which I just received on XX/XX/XXXX, I did send a cease and desist letter on XX/XX/XXXX and they received it on XX/XX/XXXX @ XXXX and I asked for a return receipt and they have still continued to call the next day many many times after receiving the letter. I have tried to work with them and they did not want to work with me I just want my accounts closed and I don't want to have to pay for them to be closed. This is ridiculous and I can see that they do this to people all the time. They are making me sicker then what I am, which is not good. I have never had bad credit or any problem with any business. If I have anything to say people will know about this .They also want to tell you where to pay your money to like interest and fees, which that can't be done if I am going to pay money you can not tell me where I have to pay it too! Please help someone that is going thru sickness and they just keep punching them and kicking them when they are down.. sorry if it's jumbled but I am so mad I am even having to deal with this right now. I really don't even want to have to talk with them if that is possible
Product: Credit reporting or other personal consumer reports

The one of the following account that is listed " progressive '' was not authorized by me. The XXXX XXXX account was not an account of mines but it has been paid in full and still is reporting on my credit file. I would like for those listed accounts to be investigated and erased from my file. For I am a victim of identity theft. The Letter Listed Below Is Just Showing proof of residency. - XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello I am a current Zelle user and have been for over 10 years. I have some concerns regarding Zelle 's mishandling of disputes I've submitted in the past since there is now a lawsuit from the CFPB. The CFPB has highlighted the the significant issues with Zelle. Numerous claims that I've submitted to Zelle and my financial institution have been mishandled, and failed to properly investigate over the years. I was informed that lost funds weren't refundable and could not be tracked. The CFPB 's findings indicate that Zelle has neglected to properly protect consumers and allowed offenders to repeatedly exploit their system. Users like myself were exposed and vulnerable to scams. There was no accountability and the lack of transparency is unacceptable and has raised serious concerns about the safety of consumers!