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

Recently I was reviewing my credit report and I realized that I had a series of negative marks qualified as " late payments '' and that they are affecting my personal life and my growth as this negative mark prevents me from obtaining and building credit and to realize my dreams and has even brought me family problems The negative mark is XXXX : XXXX and is being reported by the XXXX transunion and XXXX respectively and are being violated a number of laws by doing this and also my rights as a consumer. 

To further substantiate the problem I attach the following Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report. 

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title. 

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX  ) constitutes a violation of 15 U.S.C. 1681a. 

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

I was looking at my credit report and noticed a collections penalty on my report. It was from Focus Receivables Management who said I owe XXXX XXXX XXXX {$700.00}. This was blatantly untrue and I 've never owed XXXX XXXX any money. In fact, I 'm currently using them with a balance of {$0.00} owed on my account. 

I called Focus Receivables to fix this problem and they said the debt was for an address that I 've never even lived in. So I explained how this could n't even be me and how it was likely a case of identity theft and they did n't believe me! I asked them, what do you need from me to prove that that 's not me and they just told me that I need to talk to XXXX XXXX. The woman I was talking to actually said that she did n't believe me and had literally never even heard of the concept of identity theft. No help whatsoever. 

I call XXXX XXXX and they say that I have to talk to Focus Receivables and there 's nothing they can do on their end since the collection was already filed. 

I know there 's a process for removing false collections due to identity theft and Focus Receivables pretended to not know and thus always have a collection out on me and hurt my credit score. They need to fix this immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you maXXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Trans Union Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my Trans Union Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Product: Debt collection

I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX XXXX XXXX as well as the FCC and FTC.Today i received a notification that XXXX  XXXX  has reported a negative account from capital one for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once XXXX  XXXX  purchased the account from capital one, they voided any payment agreement in place as Capital One has now been paid in full. I do not have a card account with XXXX  XXXX  and they should not be contacting me to collect any debt that i do not owe them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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.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 CFPB 's 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. 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 CFPB 's 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 XXXX Account number ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have 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: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. These errors are deeply concerning as they misrepresent my financial history and create unnecessary complications.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX Experian : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy XXXX Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00}. 
XXXX XXXX XXXX Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00}
Product: Money transfer, virtual currency, or money service

Was sold a car online was asked for a deposit to hold the car and sent {$500.00} via XXXX found out it was a scam and filed a claim with chase bank on XX/XX/XXXX. XX/XX/XXXX was denied the refund. I have proof of the transactions text messages with the person too they later contacted me asking for more funds via XXXX saying they never got the first {$500.00} I sent them. XXXX a XXXX XXXX XXXX  and the funds were taken after saving for 6 months to purchase a small car please I saw on line the lawsuit and I hope these banks are accountable for not helping the consumer
Product: Credit reporting or other personal consumer reports

After reviewing my Lexisnexus consumer report I noticed a lot of name and address inaccuracies. There are names and addresses that dont identify as me and I never been associated with.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently this agency is violating consumer rights by using false misleading, misrepresentation, and deceptive means although I have made previous attempts to fix these issues directly with them and violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I double-checked my report and verify these accounts appeared and I have no idea where it came from. I demand the accounts listed below to be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached below is a copy of Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed complaints # XXXX, XXXX, XXXX and XXXX on XX/XX/2022, and XX/XX/XXXX, XXXX since I couldn't view my credit score in my Bank of America application. And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. Thanks!
Product: Credit reporting, credit repair services, 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Checking or savings account

On XX/XX/XXXX I had {$210.00} left in my account over the weekend. On XX/XX/XXXX I had a ( - {$120.00} ) the bank said because they don't process payments on weekends that's something I should if been told opening an account, so I'm confused because I was told every transaction that was made over the weekend did not come out of my account until yesterday how is that possible when funds were deducted from my account every time I made a purchased so how did it not processed when my funds are low she said I had {$330.00} to start off so how did I get down to {$210.00} if they where not processed til yesterday now I get hit with a {$35.00} overdraft today XX/XX/XXXX this bank has been scamming people for a while I just opened this account XX/XX/XXXX and now I'm going through this.
Product: Credit reporting

Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid by my insurance carrier through a negotiated payment. XXXX knew this when they accepted my insurance. I contacted the collection agency and asked for a copy of the invoice to send to the insurance carrier. I was told the account is too old to submit to my carrier how did I want to pay this off? 

CBSA XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1700.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1700.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Product: Credit card or prepaid card

Commenity Bank opened up three credit cards dating back to XXXX, XXXX. I never applied for this card, not did I ever receive it. Another account was open in XX/XX/XXXX. I did apply for that card. The third card was open in XX/XX/XXXX and I did not request that card. I already had a XXXX XXXX card, but was having trouble using it. So they went ahead and opened up a new account I didn't authorize. Currently, I have two active cards, but the one from XXXX was done without my knowledge. Commenting Bank also opened up another card, without my knowledge for the store XXXX. They are using internal data to open up cards without my knowledge.
Product: Credit card

I am writing to formally address a serious concern regarding the potential compromise of my personal information due to a data breach involving American Express, which I was notified about through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a paying subscriber to XXXX XXXX, I rely on their services to monitor my personal information, and their alert regarding this breach has raised significant concerns about the safety and security of my data. 

Concerns & Issues Identified : Lack of Notification from American Express : Despite the fact that my data was potentially compromised, I was never informed by American Express about this breach. 
It is unacceptable that I had to find out about this security failure through a third-party service rather than directly from American Express XXXX 
Unlawful Exposure & Potential Unauthorized Distribution of My Information : I am uncertain who American Express may have sold, transferred, or allowed access to my personal data, whether intentionally or due to hacking. 
My personal information has been accessed more times in XXXX than in my entire life, suggesting that this breach has led to a ripple effect, causing multiple unauthorized credit inquiries and possible fraud. 
Negative Impact on My Credit Score : The misuse of my personal information has led to multiple unauthorized credit inquiries, damaging my credit score and financial stability. 
This breach has potentially resulted in my sensitive information being stored or sold to unknown third parties, leading to financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

late pmts after acct was closed
Product: Vehicle loan or lease

This is a follow on to the previously made CFPB Claim Number XXXX, i : have attached the correspondence with them through CFPB. 
BMW Financial seems to admit it is a racket, i.e. the financiers at BMW knowingly finance material misrepresentation and outright fraud at BMW of North America.

There is not even an attempt to contact BMW of North America by BMW Financial when outright fraud has been presented to BMW Financial. i : don't see BMW Financial sending my verified claim to BMW of North America, LLC., even though BMW Financial Services , by their own admission, finance cars from BMW of North America , LLC . 
This seems to be BMW Financial Services ' admission that is a racket, i.e. BMW Financial Services knowingly routinely finances fraud committed and perfected on American consumers which has further damaged me economically. 
The very least BMW Financial Services should have and could have done, was to forward my claim to BMW of North America, LLC. or stop financing BMW of North America, LLC. until BMW of North America, LLC. furnishes ample relief to me based on their material misrepresentation to me to lure me into leasing a car with fabricated and false advertisement [ i.e. XXXX when the car does not even provides for half of that mileage advertised on the car ]. 
BMW Financial Services must forward my claim to BMW of North America, LLC. within 10 days, if in fact, BMW Financial Services is not working in a racket to steal from me working in collaboration with BMW of North America, LLC. Otherwise, that is ample and additional evidence, that it is a racket and both BMW Financial Services and BMW of North America, LLC. are liable for additional financial damages to me based on the racket they admitted to by failing to act when on repeated notice of outright fraud and misrepresentation, etc. 
CFPB must also penalize BMW Financial Services, following the 10 day cut off date for failure to remedy BMW Financial Services ' error -- to wit : BMW Financial Services must not be rewarded to be able to continue to finance outright fraud presented to consumers for luring consumers into buying or leasing cars from BMW of North America, LLC. by material false advertisement. 
This is precisely one of the main mandate of CFPB, to wit : protecting consumers from the same type of financial fraud committed and perfected on the People of this Republic by said perpetrators -- BMW Financial Services forming a racket with BMW of North America, LLC. to cheat consumers.