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

I am a survivor of XXXX XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Debt collection

Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXX/XX/year> TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I created a venmo acouunt and verified my identity before i set up my direct deposit to avoid any issues moving forward. Once they recieved my direct deposit they froze my account immediately and now i am unable too use my funds. I have called XXXX and nobody can help me, they have no way to contact the deptartment that handles this other than via email and i have been hung up on more times than i can count.
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.
Product: Credit reporting or other personal consumer reports

Bounce AI Subject : Cease and Desist Communication Notice To Whom It May Concern : This letter is to inform you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and formally requesting that Bounce AI immediately cease and desist all forms of communication with me regarding any alleged debt.

Furthermore, please be advised that furnishing or continuing to furnish information to any credit reporting agency regarding this alleged debt constitutes a form of communication under the FDCPA. You are therefore directed to cease any credit reporting or related activity immediately. 

I do not acknowledge or accept liability for any alleged debt. Any continued contact, including updates to credit bureaus, will be considered harassment and a violation of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please note : I am requesting no further contact from XXXX XXXX, including but not limited to phone calls, letters, emails, or credit reporting. 

Any attempt to contact me moving forward may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and civil action.

Govern yourself accordingly.

Sincerely,
Product: Credit card or prepaid card

I received a notification of a transaction made with my credit card for the amount of {$3100.00}. I immediately contacted Amazon in reference of that unauthorized payment. Amazon used my credit card as back up payment for a transaction I was not related or familiar with. I have been for almost two month dealing with Amazon and Synchronic Bank. Amazon said they cancelled the order and to contact the bank. The bank is charging me for a fraudulent transaction made with my credit card without authorization.
Product: Credit reporting or other personal consumer reports

I am unable to access my credit file or dispute anything on it, I have re aged accounts on my credit that wont go away and are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdju Also XXXX inquiries. Im have not applied for anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Car was purchased and salesman deceptively added on two packages saying they came with the car already. I have package that does not work. XXXX doesn't exist. I have tried to call and email them, even Toyota has tried to call them only to be sent to voicemail from two different phone numbers. The website they created to submit a claim only responds with an error 500 code. I don't even think they applied the XXXX to the car because unlike the product advertises " Our hydrophobic chemistries are specifically formulated for maximum stain protection on leather/vinyl surfaces as well as fabric/carpet ''. There was a water spot stain on my seat on the first day I received the car. Again, the stain was already in my seat and the dealer said I could contact XXXX to fix it. Its been over 2-3 weeks and all Toyota financial has done is say they will call me back and then never call. I just want my money back for this bogus package that wasn't even applied to the car and doesn't work. There was also an employee there who sent an inappropriate picture. At this point we have begun research on looking info auto fraud. If that is the only way that we can actually achieve a resolution for this situation, with this picture we probably can get the entire car paid off. Is that what you want Toyota, I'd love it for you to pay off my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband got into a scuffle with someone one day I was trying to break it up and had my wallet in my hand, my wallet fell out of my hand this was back in 2008 and my identity from my credit card, social security card, and my state ID and my money were all stolen, and my identity right along with it all.
Product: Mortgage

I have been making automatic adjustments/payments for my loan and the company is not applying the payments accurately and showing me delinquent but I am up to date on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get this Wells Fargo account off of my report. I disputed it last month and they sent back a statement of the months I did not pay, however its been seven years now and it is still currently on my credit report. I tried to dispute this again and XXXX said that I could not dispute it again. Im not understanding why I called Wells Fargo and they told me that I had to take it up with you. Please look into this Im trying to work on my credit and pay for other issues involving my credit, if this can be removed from my credit because its an old account I would like for it to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is centered around the practice of forcing me ( student loan borrowe ) into forbearance for a longer time period than necessary when I was recertifying my income for income based repayment programs. 

In XXXX XXXX, my payment due skyrocketed from the normal {$670.00} REPAYE payment, to a standard payment of principal and interest of over {$3300.00}. I was told that I failed to recertify my REPAYE. I believed that was false, as I contend that I had already recertified and in fact my payment under the REPAYE program increased in XXXX XXXX after I recertified in XXXX XXXX. XXXX denied any knowledge/record of a recertification in XXXX and said that I must recertify ( again ). Having no other option, I began the process. As is the standard practice during the period of recertification, I understood that my loans would briefly go into forbearance. However, I asked, and it was notated on my account, that the forbearance be for the shortest possible time period. I asked that as soon as my recertification was approved, my REPAYE resume. 

I submitted recertification, on XXXX XXXX, XXXX, I received an email that XXXX received my submission for the recertification of my plan. On XXXX XXXX, XXXX, I received an email from XXXX notifying me that my REPAYE recertification was approved. 

I expected to be taken out of forbearance in XXXX. In fact, I have a letter dated XXXX XXXX indicating my forbearance began XXXX/XXXX/XXXX and ended XXXX/XXXX/XXXX. However, I received a letter on XXXX XXXX, XXXX saying that my first REPAYE payment was due on XXXX/XXXX/XXXX, meaning I was going to remain in forbearance for the entire month of XXXX XXXX. 

I called to discuss that with a representative because I saw no reason and had no desire to remain in forbearance for the month of XXXX. My recertification was approved and I should have begun paying the REPAYE amount in XXXX not XXXX. The representative tried to help me but was told by a supervisor that it is XXXX XXXX  policy to keep a borrower in forbearance up to 60 days when recertifying. I argued that my recertification was approved and this tactic was improper. No help was offered. The result, of course, was that capitalized interest was added to my account for both XXXX and XXXX XXXX. My argument is that adding capitalized interest for the month of XXXX while forcing me to remain in forbearance was an abusive tactic and a way for XXXX to churn fees and deceive borrowers. The total interest added to my loans for the forbearance period of XXXX and XXXX is not insignificant - it amounted to {$6400.00}. In two months time, by no fault of my own, my loan balance increased by {$6400.00}. It 's unfathomable. 

Later, on XXXX XXXX, XXXX, an additional {$2700.00} was added to my account as capitalized interest from being in forbearance. I do n't know what that interest amount stems from and have not received an answer. 

Please help stop this practice.
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Installment Loans XX/XX/XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/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 RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS AT & T THEY MUSTVE TAKEN MY INFORMATION
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. 
These are unauthorized and dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX, has violated my rights. 
I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and with out my knowledge. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the XXXX XXXX XXXXXXXX XXXX that the XXXX XXXX been moomed  or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instruc
tions
Product: Checking or savings account

XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee {$34.00} XXXX XXXX, XXXX : XXXX fee 's {$68.00} XXXX : {$170.00} I am a working class person who does not appreciate XXXX charging me money when it is plain that the funds are not available. Be aware that I am a senior and that these overdraft fee 's are coming out of my Social Security money. 
XXXX. Earlier this year, XXXX XXXX passed a bill indicating that banks can no longer charge more than {$5.00} in overdraft fee 's. 
XXXX. Clearly my funds were not available on XX/XX/XXXX and yet, XXXX kept paying money that was not there and charging me {$34.00} each time. 
How many other people has this happened to? How much money is XXXX making off of working class people who are struggling just to pay the rent, bills and food? 
If the funds are not there, they are not there and yet to have overdraft protection, there is a fee for that as well. 
I've had this issue with XXXX back in XXXX and CFPB helped me out a great deal. I am hoping that this can happen again.
Product: Credit card

This complaint arises from a dispute in the way the payments were applied to my Capital One card. My concerns are in reference to Credit Card Accountably Act " Require that payments above the minimum payment be applied to balances with the highest interest rates first '' This is sample of billing statements from my Capital One account Statement XXXX XXXX - XXXX XXXX 2010 Interest charge calculation Balance subject to interest interest charge Purchases 18.90 % {$860.00} {$13.00} Cash 22.90 % {$730.00} {$14.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$830.00} {$12.00} Cash 22.90 % {$720.00} {$12.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$800.00} {$12.00} Cash 22.90 % {$700.00} {$13.00} Statement XXXX XXXX - XXXX XXXX 2010 Purchases 18.90 % {$730.00} {$11.00} Cash 22.90 % {$710.00} {$13.00} During the time frame of these XXXX statements, {$410.00} in payments were made, XXXX purchase of {$62.00} was made and {$220.00} and interest and fees were assessed. 
( I have attached the XXXX statements in reference to this complaint ) It appears that payments above the minimum payment may not have been applied to the highest balance first. Would this not result in the account stated to be incorrect? Could you please look into this matter?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. AXXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.
Product: Money transfer, virtual currency, or money service

I am writing to formally voice my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle ample times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims properly. I was informed that tracking transactions was not possible and refunds would not be issued. The CFPBs findings indicate that Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system. The CFPBs findings indicate that Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system.