23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an incredibly stressful and upsetting experience. My personal information was used without my consent, resulting in unauthorized accounts and transactions appearing on my credit reportaccounts I have no knowledge of or connection to. Taking immediate action, I filed a report with the Federal Trade Commission ( FTC ) as advised by TransUnion and submitted it in hopes of resolving the issue and having these fraudulent items removed. Despite my efforts, these false entries remain on my credit report, continuing to affect my financial stability and peace of mind.
Product: Mortgage

Good day I did not see a category for not being able to learn who owns my mortgage. 
I have sent many qualified request to Selene Mortgage who services my home loan. 
These request were all sent overnight and with tracking for conformation of delivery. 
I believe the last one was sent on XX/XX/2022 and while they has ten days then did not respond to late XX/XX/2022. I believe that this information must be provided when requested properly. On each letter I made it clear that this was a RESPA request and a qualified request. Each request was sent to the correct adders for errors and omission which is the address for these types of request. To date regardless of letters and request Selene will not provide me this information which I am legally entitled to under federal law. 

Phone representatives have informed my that even with said written request that this information will not be provided which is very disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX showing on my Equifax credit report that was from an account opened via identity theft. The account has been closed and taken off of my credit report by all 3 bureaus, yet Equifax has not removed the hard inquiry from this XXXX credit card that is still showing on my report. I already submitted all of the documents asked for by Equifax via mail in order for them to complete the blocking of accounts that were a result of identity theft. They removed the account but not the hard inquiry. Please have this item removed, as you can clearly see that I did not contract with XXXX and I do not consent to this information being shown on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX keeps reporting derogatory information to XXXX credit bureaus. The accounts were closed and transferred, yet the keep reporting when the account no longer exist.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX Code XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I have a collection on my report for a company I do not recognize and on the comment section said purchased by another lender without the name of the previous lender. I received collection calls for a company I do not know. On XXXX the balance for this company is {$1500.00} and on XXXX {$540.00} not even the same amount on XXXX different credit Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Transunion. I have provided them police reports, identity theft documentation, and written requests to remove invalid medical debt. I am a victim of identity theft. 

I do not live in Florida, and therefore do not have medical debt in Florida. 

Furthermore, I am a 100 % XXXX veteran and all my medical expenses are 100 % covered by the Department of Veterans Affairs.
Product: Credit reporting

Experian is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Debt collection

On XX/XX/year> I disputed a collection on my credit report as it was a result of identity theft. XXXX  removed the collection on my account. When I checked my Credit Score today it shows up on my account again.
Product: Credit reporting

My credit report states that I lived at an incorrect address. It stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address or even lived in this state. I have made a police report and notified the federal trade commission as well as contacting the credit reporting bureau myself yet it is still reflecting on my report. I can provide documentation that proves I was living in XXXX at the time this address was added to my report as well as any account opened with this associated address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had very little interaction with the credit bureaus over the years, but with the recent crisis regarding identification theft, I have decided to keep a watchful eye over my personal information. My challenges and concerns have consistently been with Equifax. While Equifax 's customer service is superior, no one is resolving my issue. 

I have 4 inquiries on my XXXX report, 7 inquires on my XXXX report and 27 with Equifax! When I call Equifax to address this concern, they either redirect me to the listing company or try to promote one of their products. I have tried both and those recommendations have proven ineffective. The companies advise me to dispute it. Equifax keeps sending me back to the company. I just want this fixed! 

I do not have an account with the following listed companies. Any access to my credit report by these companies were unauthorized by me, and they are only showing up on my Equifax report : XXXX Mortgage Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX I do have an account with XXXX XXXX, but this inquiry is for auto financing. I did not authorize this inquiry. 

XXXX  XXXX XXXX from XX/XX/XXXX Thank you in advance for your help.
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 financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 card or prepaid card

My edd prepay debit card is lock and im trying to unlock it no one seems to help me i have been back and forth threw the phone or to the actual bank
Product: Credit card

On XX/XX/XXXX my XXXX account was closed by XXXX Bank. I called and was told my account was closed because my bank did not honor my autopay. I called XXXX right away and was told no payment was present to them for the payment due in XXXX for the $ XXXXOnce I realized my XXXX payment was not made, I paid them from my XXXX  XXXX savings for {$200.00}. I have received a letter from XXXX XXXX XXXX stating my account is having issues and payments were returned for that amount. The bank and I put systems in place to avoid this. Letter attached. 
On XX/XX/XXXX, my bank returned {$200.00} unpaid. I called XXXXXXXX XXXX right away and paid with the customer service representative. I also informed her that I was a victim of fraud and my bank was not honoring any checks represented for {$200.00} through {$1500.00}. This was my XXXX call to XXXX since XX/XX/XXXX. I went ahead and changed my payment to {$110.00} to avoid this error and the money should be taken from my XXXX XXXX bank account and XXXX have failed to make the changes on their end. 
Since Synchrony took over XXXX from Comenity Bank in XX/XX/XXXX, I was asked several times by their customer service representative to close my account each time I called with an issue with my card I was encouraged to close my account. This account was opened over XXXX years ago.
Product: Vehicle loan or lease

I had a vehicle financed with Toyota Financial. I was offered a much better rate by another lender to refinance. They received the payoff and officially closed the loan on XX/XX/XXXX. I had a payment due on XX/XX/XXXX, and because I didn't want it to impact the refinance, I paid it ( {$430.00} ). Because it was after XXXX EST ( I'm MST ), it didn't post until XX/XX/XXXX. Within 4 days, I recieved the overpayment the refinance company paid, which amounted to roughly {$45.00}. I waited to recieve the overpayment I made with the final payment, but it did not come. On XX/XX/XXXX, I reached out to TFS ( they had shutdown email complaints on their site ). I was told that because the account was closed, the money was just sitting in limbo, and she made the request to have it released. On XX/XX/XXXX, I still had not recieved the overpayment and I called TFS. XXXX informed me the funds had still not been released, and no check had been sent. She made a request for it to be released and sent by XXXX. On XX/XX/XXXX, I called to see if the check and funds were released. I escalated the call to XXXX, a resolution specialist. The check had still not been released and she told me it may be 5 more business days to process plus transit time. At this point, I don't see ever getting my funds back from TFS.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my account was suspended due to supposed unusual activity. As a long-time account holder with {$2500.00} in my account, I am disappointed that Venmo is retaining my funds for 180 days, allegedly for loss prevention purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir/Mam I have a problem with my credit file. I disputed an address on my file and a name. The address was already on my credit file and a duplicate incomplete was there also. The representative did not want to remove the incorrect address so I asked for a supervisor. The supervisor came on and stated he would take care of it. The incorrect address was XXXX XXXX XXXX XXXX XXXX   XXXX and the name was XXXX XXXX. I received an update this morning which stated the name and my SOCIAL SECURITY NUMBER were DELETED!!!! THE INCORRECT ADDRESS IS STILL THERE!!! I am very upset!!! This is in retaliation of me asking for a supervisor and these actions will not be tolerated!! I want this corrected IMMMEDIATELY!! I want the calls pulled and reviewed. I am filing complaints with the CFPB, XXXX and any other bureau I can find!!! It's bad enough people have worry about FRAUD BUT WHEN YOU HAVE TO WORRY ABOUT THOSE WHO HAVE ACCEES TO YOUR PERSONAL RECORDS THAT'S NOT GOOD!!! And there is NO WAY A MISTAKE COULD BE USED AS AN EXCUSE!! Address, name and social security number do not sound alike in any way!!! Please correct this asap. I may be reached at XXXX XXXX XXXX. I want to file an official complaint against both the representative and supervisor who handled my call yesterday evening. XXXX was the supervisor and XXXX was the representative I spoke to first. 
Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Debt collection

There are 3 collections on my credit report that I have disputed. There is inaccurate information that has stopped me from buying a house. I disputed the loan terms, ownership, monthly payment and accuracy of the accounts and the company said they were valid. I would like them removed from all 3 bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection that needs to be removed. They are reporting for an old apartment that I used to live in. I had to move out due to it being an uninhabitable. Toward the end I went 6 months without a working stove. I brought this and several other issues to management who advised they did not have another apartment for me to move into. However, since my lease was up I decided not to renew and instead chose to move out. They advised due to the inconvenience there would be no other fees with management but now I am in collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified XXXX, XXXX, and Transunion via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. XXXX, XXXX, and Transunion have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on XXXX, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. XXXX is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX XXXX, and an inquiry form XXXX XXXX that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. Transunion is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed the address of XXXXXX/XX/XXXXXXXX XXXX tx but the credit bureaus refuse to take it off of my report. I have never lived at that address that was my father. This needs to be removed. I keep getting generic letters that the address has been validated but when i ask for proof they refuse to mail me the validation.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and any other documents I may review to ensure the account doesnt belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Resurgent Capital Services, who manages the account for LVNV Funding LLC, contacted me the 1st time by mail, on XX/XX/2024, and 2nd time XX/XX/2024, in reference to collecting on old/ stale debt identified as XXXX XXXX XXXX XXXX XXXX XXXX and I responded that I do not have any responsibility for the debt youre trying to collect. 

Resurgent Capital Services, who manages the account for LVNV Funding LLC, I advised that they know that they are illegally violating my rights per the FCRA law. XXXX XXXX XXXX has charged this debt and has written this off and no longer pursuing this debt. I also advised NO COMPANY can legally, including XXXX XXXX XXXX or you, Resurgent, can no longer retrieve this debt even though they sold it to you. I advised that they can not harass me or violate me to pay for something that has already been written off. Once again it is illegal and a violation to try and retrieve the debt or sell the debt after charging it off. 
According to the FDCPA I am refusing to pay the debt and demanding to cease further communication { 15 USC 1692c ( c ) }. I am demanding you in this letter in response to a demand for payment made by your company. This letter is a notice sent pursuant to the Fair Debt Collections Practices Act that you are no longer permitted to contact me. Please cease all communications with me regarding this debt. 
Also, once you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 

After I sent this letter, they did not follow my direct demand to cease and desist and placed this debt on my credit report anyway. I if they do not remove from credit file immediately. I will use the FDCPA violation law and collect {$1000.00} for violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX  but it is still showing on my Experian and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Product: Credit reporting

I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!!