23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXXI called XXXX THEY couldn't find the account. I ca
lled XXXX XXXX and lady I spoke with said " account was charged off in XXXX  '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, Experian.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX  appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with Experian mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXXs. Im begging you to intervene and demand them to follow the law.
Product: Credit reporting

All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.
Product: Bank account or service

On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal. 
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Product: Money transfer, virtual currency, or money service

I HAVE ATTACHED A COPY OF MY LETTER TO THE BBVA BANK ASKING FOR PROCEDURAL CORRECTIONS. THERE HAS BEEN NO RESPONSE TO MY LETTER. BY OTHER ACTIONS THEY HAVE TAKEN THEY HAVE STATED THT THE DEP BOX ONLY CONTAINED XXXX IN CASH AND NO CERTIFICATES OF DEPOSIT. BEFORE HER DEATH, MY MOTHER HAD STATED THAT THERE WAS XXXX XXXX DOLLARS IN THE BOX CONSISTING OF XXXX XXXX IN CASH AND TWO XXXX XXXX DOLLAR CERTIFICATES OF DEPOSIT FOR A TOTAL OF XXXX XXXX DOLLARS. SEE XXXX FOR A HISTORY OF THE BBVA BANK. THIS XXXX XXXX HAS 561 OR MORE BANK LOCATIONS IN THE USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not happy with the credit bureaus. I am a victim f identity theft/fraud and the accounts that i have on my credit files do not belong to me. I requested the creditors and bureaus to send me the steps on how they verified these fraud accounts and no one has sent me anything. As a consumer I know my rights and you all are being illegal. per 15 usc 1681 b I did not authorize you to furnish this incorrect information and this information does not belong to me. I am not liable for any of the accounts or transactions created by these accounts. If this matter is not resolved i will have to take legal action. I will give you all one more chance to properly remove the fraud items.
Product: Credit reporting or other personal consumer reports

On XX/XX/2018 I received notification of fraud activity on the credit card i had with XXXX XXXX XXXX The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.
Product: Prepaid card

Was hung up on several times trying to find resolution from XXXX XXXX. All these were not authorized charges XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX card replacement from Payfare {$5.00} XXXX-card replacement from Payfare {$5.00XXXX I put the card replacement charges in because they sent a new virtual card and still was compromised. They asked me to change my email address and password which I did on XXXX when I discovered all these charges but they still allowed my card to be charged. They have been unhelpful, rude and dismissive with this matter.
Product: Debt collection

I have received calls from XXXX 2 times today -- XXXX, XXXX. Also on XX/XX/2021 at XXXX & XXXX. I called back and it's apparently from Receivables Performance Management, a debt collection agency, looking for my XXXX year old daughter who doesn't live with me & has a different cell phone #. We've been through this before & it's a scam, claiming she owes XXXX XXXX {$50.00} -- she doesn't. She contacted XXXX when it happened months ago & they said it's a total scam. I googled the # & it pops up as XXXX XXXX scam also. I have reported all of their # 's before ( also XXXX -- they always use the same exchange ) but they're back at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report I sent a dispute letter to XXXX, Experian and XXXX  on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/25 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Credit XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello My name is XXXX XXXX writing to formally express my concerns regarding XXXX handling of disputes, in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle so many 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 infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX  - XXXX - XXXX - {$60.00} XXXX XXXX - XXXX - XXXX - {$72.00}
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # 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 The debt that is being reported on my consumer report is only on transunion the credit reporting agency has failed to report accurate and complete credit information.
Product: Debt collection

After repeated attempts to remove this item from my credit, I reached out to the HR department requesting that SUNRISE CREDIT SERVICES INC remove all accounts associated with my information. After follow proper procedures with asking them to provide payment history, hard core proof of signature, or anything significantly linking me to the accounts accused of. As per FDCPA and provisions in 15 USC192 and 15 USC 1666B along with sensitive information being exposed due recent data breach, we are requesting the immediate removal of all accounts linked to me.
Product: Debt collection

There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} UXXXX XXXXXXXX Balance {$110.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : 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: Payday loan, title loan, or personal loan

Each of following denied me an extension of my own 100 % per US law credit and notes of exchange XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each committed the following violations 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 In accordance with United States Codes and My Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Let it Be noted that I went to each party in good faith exercised and expressed
Product: Credit card

The communal mailbox at the XXXX XXXX I live in was broken into on XX/XX/year>. Unbeknownst to me Upgrade and XXXX XXXX XXXXXXXX had sent out new cards since my previous cards were going to expire. I have not used my Upgrade Card in years and don't even carry it with me and same goes for the XXXX XXXX XXXXXXXX XXXX and I rarely check my mail box so when I received calls from Upgrade and XXXX XXXX XXXXXXXX on XX/XX/year> regarding suspicious charges I immediately called both and advised that they were unauthorized fraud charges and to stop the cards and dispute the charges. XXXX XXXX XXXXXXXX immediately resolved the XXXX fraud charges and reimbursed my account. However XXXX has to say the least been very difficult to work with and are denying my claim to get reimbursed for the XXXX XXXX XXXX charges ( however they noted that the target charge was unauthorized and did not charge my card ). One charge in the amount of {$780.00} and another one in the amount of {$590.00} which the charges were made in XXXX, CA about XXXX miles from me and made during my work hours. I also filed a police report which the last Representative at Upgrade accused me of making a fraudulent report. Not only has this cost me hours of time, loss of sleep and undue stress.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against all XXXX credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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.

Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports EXPERIAN , XXXX XXXX XXXX XXXX. All derogatory marks must be removed from all XXXX of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my XXXX credit reports. 
After looking over my credit report all these companies have reported adverse information and EXPERIAN, XXXX XXXX, XXXX have furnished the adverse informXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax is reporting an XXXX XXXX XXXX account that is past the statue of limitation. They refuse to remove it after several attempts. Neither other credit reporting agency is showing it because it's an aged account.
Product: Mortgage

My mortgage loan has been sold " Caliber Home Loans '' to " XXXX XXXX  '' with service transferring XX/XX/2019. I received notification by mail XX/XX/XXXX from Caliber and haven't received anything from XXXX XXXX. What happened to at least 30 days notice? There wasn't any mention of informing the county or municipality where I live.
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 and reporting discrepancies.My financial institution and Zelle Failed to investigate my Claims adequately. They inform me that recovering lost funds was impossible and that tracking these Transactions was unfeasible.the CFPBs findings indicate that Zelle that Zelle has not only neglected to not only 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: Debt collection

I received a notice of garnishment via mail less than a week before my pay started being garnished by my employer to satisfy the garnishment request they also received. 

This was the FIRST EVER NOTICE OF THIS DEBT I HAVE EVER RECEIVED! Prior to this I had ZERO notice of this debt or that it even existed, that I could dispute it, or anything. ZERO attempts have ever been made by the collector to contact me to notify me of the debt OR collect on it. 

Since they have completely failed their due diligence to even attempt to resolve or notify me of the debt, this was an unfair and illegal garnishment and has caused undue hardship on my household as I am also the sole income earner. 

When I was notified of the garnishment, I also received no grace period to address or dispute the debt before collection occurred via garnishment. I was prohibited access to or notice of my rights of this debt and all actions taken were in direct violation of FDCPA standard. 

This was an unfair attempt to illegally secure funds for an unknown debt with no attempts on the collectors part to even collect the debt prior, or notify me of it. 

I need 100 % of my $ returned and this debt removed and need this to be filed as a matter of public record that this collector directly violated my rights as an individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX about an account listed as a collection in my credit file for XXXX XXXX. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.