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

I discovered that I was a victim of identity theft a few months ago. Apparently my card was swiped at a gas station and someone got a hold of my identity and started using it to open accounts. I didn't even realize it because I wasn't really using my credit for anything at the time. Until I went to have my mortgage refinanced and my lender told me I couldn't do it because of my score. I had XXXX scores before, so when my lender told me I was a XXXX something I knew something was off. After reviewing the details, I sent in paperwork and a police report to the creditors and the credit bureaus already but I haven't seen any changes to my reports. I even had one of the fraudulent creditors try to take me to court. So I am submitting a request into you guys to see if that helps speed up the process as I do need to refinance my home and my car lease expires soon and don't think it's fair for me to be sued for a debt that I did not even open.
Product: Debt collection

Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account - XXXX XXXX XXXX # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my finicial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXAccount # XXXX, XXXX/Account # XXXX and # XXXX ( XXXX  XXXX ), XXXX XXXX XXXX/Account # XXXX XXXX 
XXXX, XXXX, Equifax. 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 instructions
Product: Debt collection

CREDENCE RESOURCE MANA You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXXXXXX XXXX ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Product: Consumer Loan

On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. 
My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. 
I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. 
I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. 
I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) Account Information : Creditor Name : BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2000.00} To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account BK OF AMER Account number XXXX and XXXX is reporting a balance of ( {$2000.00} and XXXXXXXX XXXX XXXX  when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of : {$2000.00} and XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 


Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to promptly update or correct inaccurate information once notified by a consumer or a credit bureau XXXX Your continuous reporting of this account as a " charge-off '' month after month, despite the fact that the debt has been cancelled, violates this obligation. The FCRA mandates that information provided to the credit bureaus must be accurate, and your failure to correct this inaccurate reporting after notification is a violation of my rights under the law Additionally, I also emphasize that a charge-off account should not be updated month-to-month, as this practice violates the regulations set forth in the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires that the information reported be accurate and updated. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was determined that a charge-off account should not be updated monthly, as doing so could lead to inaccurate and harmful information for the consumer, thereby violating their right to a fair and accurate credit report as mandated by law. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute requests to XXXX, XXXX  and Experian to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XXXX, Experian and XXXX reports.
Product: Checking or savings account

Its been 24 days since I deposited my money into my Citi back account I have not been able to receive my money. I was told the kind of phone company I had will not let me be verified I went and purchased a a new phone company through XXXX in hopes that I can be verified now that wasnt true.so they said they will send me a verification through the mail it have not came I was told they sent it to a public record address not the one on my account.ive went to multiple branches to get help no help the fraud department havent had no one reach out to me about this issue its been 24 days I havent been able to pay rent pge phone none of my bills its causing major issues I am a payee to someone their money is in the account they cant get their medication nither can I I keep getting hung up on its been not resolution for my problem they never told me where the alert came from its nothing fraudulent about anything the check have clear I have XXXX children we have been without food suffering I just want my money no one have been able to help me get it.
Product: Mortgage

Green tree has contacted credit bureau to change charge off closed account date from XX/XX/XXXX to XX/XX/XXXX to keep the record from dropping off credit report and with them also doing this it dropped my fico scores like back in XX/XX/XXXX when it was first charge off and closed.. This is illegal by law and they need to correct this to the credit bureau to report when it was actually closed and charged off back in XX/XX/XXXX
Product: Mortgage

Escrow errors in the tax payments. New property, the city of XXXX has not established the correct accounts for the new addresses. New property is a duplex ( two seperate loans ) built on an old single-family lot. One tax bill is correct and appropriately charged to one of my loans. Flagstar in error charged me for two incorrect properties. XXXX XXXX records clearly show wrong owners and addresses. Subsequently significantly increased my escrow payment requirement to cover someone else 's tax liability. Have had four conversations over the last two months with escrow management. One incorrect tax account was removed, one still recorded in my escrow account, and not removed after repeated conversations. In the interim my escrow payment is incorrectly inflated, and I'm required to pay for their inaccuracies, or be in default.
Product: Credit card or prepaid card

I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}. 
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request.
Product: Checking or savings account

On Monday ( XX/XX/XXXX ' 2022 ), I lost {$4000.00} due to Scam, the scamster called my Wife as immigration Officer and threatened to arrest us if we didn't pay him the pre-bail amount. 

As my Wife has a Joint account, she got duped and withdrew Cash from Checkign Account at FirstTech XXXX XXXX, and Gave it to Scamster in Gift Cards. 

I immediately Made the Police Complaint at Washington Sheriff Office and Filed a complaint on FTC, same day. 
I also made a complaint with the Bank XXXX FirstTech Credit Union Bank, XXXX, OR ) on same Day and following day, i went to bank in-person and again followed up with the complaint, the Bank Manager told me, they can not Refund my Money, as it is a cash withdrawal. 

Can you plz let me know, what are my options here?
Product: Credit reporting or other personal consumer reports

PLEASE ASSIST ME WITH THE REMOVAL OF THE FOLLOWING ACCOUNT CURRENTLY BEING REPORTED ON MY CREDIT REPORT THAT DOSENT BELONGS TO ME THANKS.
Product: Mortgage

In XXXX or XXXX of XXXX  after having been on forbearance, off for a few months while working through a trial period and back into forbearance, I was offered a trial period again. I made the payment per the PRMG portal. On one month ( see XXXX  ) the amount stated to pay was {$3.00} less than the regular payment. I didn't even notice. The portal did not offer for you to make a lesser payment or enter your own amount. The money was transferred through the portal from my bank as evidenced by the " Web '' notation on the bank screen shot. There was no way for me to know that the amount was incorrect based on the portal. 
My trial was cancelled. Now several months later I have finally gotten through loss mitigation again, waiting for a trial period and modification. HUD suggested I report the botched job the servicer did since now I may be behind too far for my XXXX XXXX loan to be modified. 
I attempted to contact the servicer several times at the time of the error in payment to have them consider moving along with modification since I had done what was required. I was told by one agent that " she would recommend clients make their trial payment only on the phone. '' Another agent yelled at me and hung up when I asked to speak to a supervisor above him.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$9100.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$4800.00} Account Name : XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$48000.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. Macy 's and XXXX accounts were open.
Product: Debt collection

My parents received repeated phone calls from a company called ACEI ( American Collections Enterprises Inc ) regarding an alleged {$39.00} debt I owed to a dental practice. A woman by the name of XXXX XXXX requested that I call them. 

XXXX XXXX -- and her manager, XXXX XXXX -- both committed what I believe are violations of debt collection laws. They said the phone conversation was recorded, so I believe there is a clear record of their misrepresentations on file. 

XXXX XXXX told me that the debt dated from XXXX XXXX, 2008. When I asked if it was legally enforceable, she told me that it was. This is flatly untrue -- I live in XXXX, XXXX, a jurisdiction with a three year statute of limitations. 

Additionally, when I asked for written confirmation of ACEI 's attempt to collect the debt, both XXXX XXXX and XXXX XXXX refused to mail me such a notice, even after I informed them of their obligation to do so. 

I do not believe I owe this debt, and I believe that ACEI is providing false information to consumers about their obligation to pay out-of-statute debts.
Product: Debt collection

This account has been on my report since XXXX XXXX  years ago. There seems to be a mix up with 2 different cards. One says lost or stolen account, the other says charged off, and another time I saw open. 

I have attached what it states in all 3 credit reports and none of the information is consistent. Also, there was no explanation of the 2 different cards or the payment history.

I've disputed several times, and it is never Deleted or explained why it isn't Deleted, and the company never supplies me with any proof it is my debt. 

Please provide some proof that the account is mine, payment history, and when the account has been opened or closed. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$3500.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.