23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit card or prepaid card

The credit card company allowed charges on my card in excess of the credit limit. Over double the limit. They didnt notify me or decline the charges. And they were made by authorized use. 
Barclays Bank XXXX credit card. I have closed the account and am disputing charges over the limit.
Product: Payday loan, title loan, personal loan, or advance loan

Lending USA has made errors in regards to my billing at which i have never been late. have reported past due payments which they fixed but now has come back again as well as sending me notices recently saying my account is past due AND IT HAS NEVER BEEN LATE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I SENT OFF A CERTIFIED LETTERS ON XXXX XXXX TO EQUIFAX,, XXXX AND XXXX ASKING THEM TO PROVIDE ME WITH A METHOD OF VERIFICATION ON HOW THEY VERIFIED THE DISPUTED ITEMS AND I NEVER RECEIVED ANY PROOF OF HOW THEY VERIFIED THE DISPUTED ITEMS BELOW FROM ANYONE OF THE XXXX CREDIT AGENCIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORTS! 
XXXX, XXXX & XXXX PURSUANT TO 15 U.S.C 1681i ( a ) ( 7 ) IF CAN NOT VERIFY THE INACCURATE DISPUTED ITEMS ABOVE, THEY MUST BE DELETED OFF MY CREDIT FILE IMMEDIATELY PER THE FCRA. 

I HAVE UPLOADED THE LETTERS I SENT OFF CERTIFIED TO ALL XXXX OF THE CREDIT AGENCIES ALONG WITH MY SSN AND DRIVERS LICENSE
Product: Mortgage

Borrower submitted a complete loan modification application package to XXXX for loss mitigation on XX/XX/2022 while the foreclosure sale was postponed until XX/XX/2022. While the loan was being underwritten the loan was transferred to Rushmore Loan in XXXX without decision being made. We contacted Rushmore in XXXX but they had not received the full file with the loss mitigation docs we submitted however they allowed the foreclosure to move forward for XX/XX/2022. We contacted VA to request a postponement while we resubmit a new file to Rushmore. Although the VA rep. requested a postponement of the foreclosure he could not determine if Rushmore would do so.
Product: Credit reporting or other personal consumer reports

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase from an online vendor over XXXX for XXXX $ at XXXX of XX/XX/year>. This vendor turned out to be scammer and took my money and did not give me any products or services for the money given to them. I raised the concern to Wells Fargo to which I was told a case would be opened for fraud. Here I am one week later and they sent a letter saying my request was denied and that the case is closed as a whole now. I do not know this person and I did not receive any goods or services from the person I sent the money to on XXXX and I have not been able to obtain a refund since then. My bank refuses to tell me any reason why.
Product: Credit reporting or other personal consumer reports

XXXX XXXX debt creditor Experian, XXXX and XXXX is reporting several inaccuracies on my credit. I disputed XXXX of XXXX  regarding this being a fraudulent account and they keep raising the balance when the account has been closed for XXXX  years. I have disputed this for the past XXXX years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit. 
15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to open up accounts and phone accounts and I want all negative items all of credit and delete, Ive proved my identity and innocence regarding these fraudulent accounts.
Product: Debt collection

This company still has not : - sent proper and complete documents and all accounting regarding this alleged debt - debt has never been verified/validated - provided a contract in which I owe the anything This company is company is still reporting/trying to collect this debt AFTER the statute of limitations per Florida 's SOL and is reaging the alleged debt on the credit treport. 

They continue to willfully violate my rights under the FDCPA and FCRA and have not complied. They are providing a contract with a second party that has NOTHING to do with them. They are playing games and this is defamation. 

This company has my private information and I never gave it to them - identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at around XXXX I had the intentions of sending money thru Zelle from the XXXX XXXX XXXX App to a family member. It was a large sum of money ( {$3500.00} ) for a funeral. After I had confirmed the amount and who I wanted to send it to it went thru right away. I than right after checked with the family member to see if they have received the money. They had not, and after a minute goes by I go to my email to make sure it went to the family member, well the name matched so did the phone number except for the last two digits. I began to panic and tries to reach the unknown person I had sent it to. After several attempts they finally pick up and I begged them to send me the money back and he claim he never received the money and to not call them again and hung up. I was devastated, but I called Zelle services immediately after in hopes that something would be done. After I summited a dispute with Zelle and than filing a claim with XXXX XXXX XXXX after all that they said nothing could be done. Im devasted that {$3500.00} worth of money went to a complete stranger when it was meant for a family members funeral. It was all the money I had saved and the bank claims they did everything they could to contact the thief that wont return my money. Im never using Zelle services again and letting the people I know the lack of help Zelle and XXXX XXXX XXXX  were to me.
Product: Credit reporting

In XXXX 2007 I submitted a Fraud Affidavit as I my credit card had been either lost or stolen. Subsequently charges appeared on my account which I was n't made aware of until I received a letter from a Collection Agency. I contacted the company in writing on several occasions asking for proof that these charges were in fact mine because the credit card had n't been in my possession since that time. They continue to write me letters stating their position has not changed and that I am liable for these charges.
Product: Credit reporting, credit repair services, 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, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( Capital One ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.
Product: Debt collection

Good morning and my name is XXXX XXXX and i just got off the phone with 3 different representatives at XXXX XXXX which then connected me with ( Commonwealth Financial Systems XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ). The representatives stated that they can not find me because they don't have my SSN on file and that they have limited information about me - They only have a prior phone number, which doesn't belong to me, and they gave me an address of XXXX XXXX XXXX, that doesn't even belong to me. They said that it's a medical collection from XXXX from XXXX XXXX XXXX  which I don't even recollect for a procedure - Hippa violation!!!. How is it possible they placed this on my credit profile without my knowledge without my personal information. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disbelief regarding the charge-off listed on my credit report for account opened on XX/XX/year> at XXXX XXXX  XXXX XXXX This entry is not only inaccurate but also unjustly damaging my creditworthiness and overall financial reputation. 

I dispute the charge-off status associated with this account for the following reasons : According to my financial records, I have consistently met all payment obligations related to this account. The charge-off entry is completely erroneous. I have never received any notice or communication from your office indicating missed payments or delinquencies. I demand a full review and correction of this false reporting immediately.
Product: Credit card or prepaid card

In XX/XX/XXXX I booked flights via XXXX to XXXX, XXXX. In XXXX, upon reviewing my bank statement I did not recognize a charge of {$2400.00} to my account so I filed a claim to Citi Bank thinking it was a fraudulent transaction. I was refunded the full amount. Later I realized that this charge of {$2400.00} was XXXX, so the trip was canceled. Please keep in mind that I am XXXX years old so my memory fails me many times and it is very difficult for me to keep up with paperless transactions. I called right away to re-book this trip on XX/XX/XXXX so XXXX went ahead and re-charged me with the amount of {$2400.00}. 

Fast forward to XXXX of XXXX when all operations at XXXX stopped due to the pandemic and XXXX canceled my flights and hotel, meaning that services were never rendered. I called Citibank on XXXX to file a claim on this charge from XXXX but they said I couldnt file a dispute again for the same charge. Now, I am not trying to file a dispute for fraud but instead for services not rendered. I keep explaining to Citibank that services were not rendered and the claim should be under the 13.1 claim code. Citibank states that they could not and would not do that. 

After filing for the first time with the CFPB I received a response from Citibank in which they still refuse to help me and would like me to contact the merchant directly or pursue other means which I have to no fruition. When trying to contact XXXX I receive a message instructing me to contact my bank ( Citibank in this case ). I have no knowledge about any other means since Citibank is refusing to at least provide me with other options. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citibank. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$640.00}
Product: Debt collection

I'm currently working on identity theft. gov and they are asking me to follow the steps to file identity theft with my credit cards ( capital one and XXXX  XXXX  ). I've already tried to talk to the credit cards directly but nothing was working. so identity theft was the next step I decided to take. At this point, I don't really know what to do because in total iits around 6k in debt that i had nothing to do with. plus I'm afraid this going to affect my school loans or even purchasing a home. this is affecting my credit score horribly and I'm pretty much lost at this point. 

XXXX XXXX email- XXXX phone ( XXXX ) XXXX please help me.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

over the past few years I've tried to remove not only negative items but also personal items i was told they cant remove they did not fix any errors Experian has failed to fulfill it's legal obligation under the Fair credit act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer. all i received is what i have below no letter nothing
Product: Credit card or prepaid card

i had this capitol one credit card account open since XX/XX/2020 and ive been making payments on time with no problems and never been late and i always paid my credit card bill in full and once never granted a credit line increase at all and i keep getting denied and my credit is not bad with other credit cards and i dont have any late payments on any credit cards and im in the middle of the process of removing some fraudulent inquires off my equifax report my credit limit is still at {$300.00} limit still and yet i haven't granted a {$500.00} limit from this company at all.