23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked for verification documents including the original signed contract agreement, the dates the account was open/closed, the total amount owed including interest/fees, a detailed breakdown of the charges, and proof Duvera is a licensed debt collector in North Carolina. I have not received any communication regarding this matter. Also In accordance with the Fair Credit Reporting Act Duvera Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove Paramount Recovery Systems from my credit report. I have tried for almost 2 years. It belongs to someone else or it's FRAUDULENT. Because Paramount Recovery Systems is on my credit report they have access to my report and when I changed my address and added my phone number XXXX so I could Freeze my account, Paramount Recovery Systems accessed report, so when I dispute said charges they use the info from my credit report ( i.e. phone #, address ) and in turn XXXX tells me, it must belong to me because the address matches. 


XXXX refuses to reinvestigate the fraudulent charges. I was under the impression that by law they had to. XXXX is above the law I guess. 


My car insurance rate is negatively affected because of these charges. And I keep being denied credit because of it
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires that I like to remove. A lot of pulls from a lot of credit unions I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported to XXXX, XXXX & XXXX  in XX/XX/2017 by Wells Fargo Bank I was late on my XX/XX/2017 car payment of {$300.00}. This information is incorrect, I have never been late on my car payment. This account was paid in full by XXXX XXXX. 

General Manager, XXXX XXXX of XXXX XXXX has communicated with Wells Fargo Bank regarding this issue and resolved the matter. Please correct this information on all three reports and make me current showing no late payments. 

Please contact XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and Wells Fargo Bank at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I am not disputing anything on my credit reports in regards to my card On my trans union report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my XXXX XXXX XXXX with Trans Union. On my XXXX regarding the same XXXX XXXX Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, I am XXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my wife. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account since I don't want to have a relationship with them. But Capitol one told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want further relationship with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I completed an FTC Report to report fraudulent accounts on my consumer report with XXXX. I mailed my FTC Report along with my license certified to XXXX. XXXX reported back those accounts were verified. I did not receive any evidence of proof about the investigation dispute. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft report
Product: Debt collection

XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered to make this debt valid which is violation of 15 USC 1692 ( E ) All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and still have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Product: Credit card or prepaid card

XX/XX/XXXX I received a deposit from XXXX cashapp lock my account in 12 hours and it has been frozen since contacted them multiple times on XXXX XXXX and XXXX they replied saying I violated terms of service for deposit they have lock my account since XX/XX/XXXX and refused to reopen it no matter how much proof I send in as they requested
Product: Mortgage

To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.
Product: Vehicle loan or lease

I have a lease through XXXX XXXX, the lease has been purchased by Westlake Portfolio and I was never told about this purchase until I received a letter from Westlake Portfolio on XX/XX/2023. The letter was dated XX/XX/2023. I had previously tried to log into my account with XXXX XXXX to make payment and was not able to do so. I have no problem with starting my payments again now that I know who to pay, but I should not have to pay the total that they are demanding because I did pay for a warranty that is no longer valid and I need to purchase a third party warranty. I am also not going to receive the oil changes that was included with the lease. The vehicle also did not come with a spare tire or a jack which I was never told about. The only thing that was in the trunk area was a fix a flat kit. Had I been aware of this at the time of the lease signing, I would not have taken the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX BG XXXX ) XXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/2023 XXXX || DATE OF INQUIRY : XX/XX/2023 XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/202XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to USAA FEDERAL SAVINGS B about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I've had gasoline credit cards with Exxon XXXX XXXX XXXX XXXX and Sunoco XXXX XXXX XXXX for almost 50 years. Both have been taken over by Citibank. I have averaged {$11000.00} of gasoline purchases using these cards during XXXX & XXXX. My Exxon-Mobil statement due XX/XX/XXXX had an amount due of {$86.00} for XXXX purchases and I deliberately sent check # XXXX for {$88.00} more than the amount due as a sign of good faith. And then in a Citi letter from XXXX KY dated XX/XX/XXXX, ( 12 days prior to the XX/XX/XXXX due date ) with a bogus reason stating that the written and numerical amounts differ which was not true without any tel # or name to call.. So, I returned check # XXXX for the XXXX purchases along with a second check in the amount of {$67.00} for the XXXX purchases again weeks before the XX/XX/XXXX due date. I did not include the fraudulent interest charge, nor the fraudulent service charge. 
And then on XX/XX/XXXX, 15 days prior to the XX/XX/XXXX due date as my wife was filling up at an Exxon station prior to beginning our vacation trip, her card was declined. I called Cust.Serv.and spoke with XXXX who told me that a human doesn't review returned checks and he couldn't help a 50 year credit card user who has paid $ XXXX gas charges in XXXX & XXXX. I asked the matter to be escalated and instead I was transferred to another RepXXXX ID # XXXX who followed the exact same script as XXXX. I asked the matter to be escalated and I was given XXXX ID # XXXX and told the 3rd rep my entire story and that we were scheduled to leave for vacation at XXXX and she followed the same script and said that she was my highest entitlement at Citi and nobody at Citi could resolve this negligent Citi system XXXX up. Clearly there are fees and interest that they extort out of more than me in this scam and they need to be audited by the regulators
Product: Credit reporting or other personal consumer reports

This is a request for my personal information to be updated with Experian, XXXX and XXXX. I made this request on XX/XX/. The information has not been corrected, nor have they responded to my request.
Product: Checking or savings account

I sold a pair of shoes to an individual. He paid through XXXX XXXX for {$260.00}. This person confirmed received the item and XXXX says that the package was delivered. 

However, this person notified me that they had their XXXX XXXX account hacked. Whomever hacked the account desputed the transaction and the total of the sale was immediately withdrawn from my account. 

Chase ( my bank ) refused to block or refund this transaction. They said they couldn't interfere since the hacker disputed the charge through the bank.
Product: Checking or savings account

I am writing to file a formal complaint regarding a violation of FDIC rules and federal law by USAA. Upon reviewing my recent account activity, I discovered an unauthorized overdraft charge applied to my account. It has come to my attention that USAA has charged me an overdraft fee, despite my explicit lack of consent for overdraft protection services. 

I would like to clarify that at no point did I sign up for overdraft protection, nor did I authorize any overdraft transactions to be approved by USAA. This action is in direct violation of federal law, as I never opted-in or agreed upfront that the bank could charge me an overdraft fee or approve any transaction that overdraws my account. 

Furthermore, USAA claims to have provided a letter automatically enrolling me in overdraft protection, which I never approved. This misleading action is not only unauthorized but also mischievous, violating my rights as a consumer and undermining the trust I place in financial institutions.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a fiber optic XXXX tree online and paid with my cash app debit card {$41.00}. On XX/XX/2021 I submitted a request to cash app to dispute the charge because I have not received the tree and I tried reaching out to the merchant but received email address not found message back. Which after submitting my request to cash app I decided to officially email a dispute request letter to cash app and signing as well and attach screenshots of the email address not found message that I received which I did that on XX/XX/2021. So after I emailed the dispute letter I decided to follow up with cash app to make sure they received everything they needed to start their investigation. So I chatted with them and the representative assured me that yes they did receive everything and that I would receive a response from them 10 days from the initial date that I submitted the dispute which was on XX/XX/XXXX so 10 days was XX/XX/XXXX and he also gave me a claim number for the dispute. On XX/XX/XXXX I contacted cash app to check on the status of the dispute and the representative told me that I didn't submit the request and therefore they haven't done anything so I needed to go start the whole process over again. So I said I have screenshots of me chatting with you guys a few days ago and I was assured that you guys had everything you needed. And then he left the chat so unfortunately I have not been able to get anywhere with them. The dispute letter that I emailed I had actually gotten it from your website the template. Here is my cash tag name XXXX XXXX and the case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed account from XXXX and XXXX but refused to remove it from XXXX.
Product: Credit reporting or other personal consumer reports

Some company called XXXX XXXX XXXX XXXX XXXX  XXXX, using a credit collection agency with following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I have not taken any loan from XXXX XXXX XXXX. 
All my credit reports now have this " collection '' on it - for a loan that I have not taken.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$240.00} INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX