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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I enrolled in National Debt Relief Program, and contacted someone over at MintoMoney Customer Service. I explained that they must cancel and stop payments of {$230.00}, and the Representative stated that all payments were cancelled, and I provided him all of the National Debt Relief contact information. On XX/XX/2023, I received an alert from my bank which stated that MintoMoney violated the Consumer Financial Protection Act by submitting the payment of {$230.00} with a 481.650 % interest rate on your account, which in pending processing with the bank without your permission. I spoke with XXXX XXXX XXXX XXXX stated that they can do whatever they want, and when asked for a manager they are not available. This company is a fraud and need to be federally investigated.
Product: Credit reporting or other personal consumer reports

Equifax is been reporting XXXX XXXX XXXX account since XXXX. This account was proved of being a fraudulent account and was removed from my credit. Now in XXXX appear again in my XXXX credit file. I request this account to be removed from my XXXX file.
Product: Credit card or prepaid card

My card was charged for {$90.00} cents for a unrecognized vendor. I disputed the charge. Capital One reversed it but day later after a " investigation '' ( did nothing ) put the charge back on my account. Stating that " I PURCHASED MERCHANDISE. '' This in spite of that day being two other fraud charges that were caught and reversed. 

Gasoline station in XXXX I made a valid charge for gas. The attendant or coworker must have swiped the card in other portable terminals because from that time ( 2 ) other charges were attempted. There are signs at the gas station warning of this. In the blink of an eye, without approval, the card was swiped on different readers. 

One for {$230.00} for a gasoline station was flagged by Capital One 's system and declined. 

The third, a vendor I have absolutely no knowledge of. Capital one said that there is nowhere else I can go within the company to dispute their " determination '' that I was already talking to the right department. This same experience on multiple calls to resolve. Only once did they commit to a callback by executive offices - resolution department or some made up name. Nobody ever called. I call asking for similar departments then they require a NAME to transfer a call. Nobody uses first and last names. Is impossible to resolve within the company. They have denied my right to dispute and refuse to give the process ( as required by law ) or address to file a written complaint. 

I closed my account. 

One was caught by
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRASs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the MODPED partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Ive applied for several credit cards that credit karma  said I was pre approved for but when I applied it said I didnt qualify. So I feel decieved
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of erroneous reporting. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts, and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- XXXX XXXX -- -EQUIFAX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Mortgage has incorrectly reported late payments I am enclosing an ledger report from Ocwen show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

Ocwen was paid off in XX/XX/XXXX and then after payoff they reported to XXXX and XXXX  that in XX/XX/XXXX I  was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how Ocwen posts credit and how the actual payments from XXXX XXXX the trustee differ.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently : XXXX XXXX XXXX number XXXX : [ fraudulent amount {$49000.00} ) ] Date of Activity : [ XXXX ] As required under Section 605B of the FCRA, you are obligated to block this fraudulent information from my credit report within four business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action. 

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at [ XXXX or XXXX ]. 

Thank you for your prompt attention to this matter.
Product: Student loan

My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. 

XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?
Product: Credit card

I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 

I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.
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 CFPB 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 about consumer safety.
Product: Debt collection

I have been attempting to ask Bank of America for help due to my health complications and financial hardships I have been experiencing. As you can see in my last communication to them I explained in detail my financial and health problems that are causing me to be unable to pay my accounts. I was forced into early retirement with a very limited income, and I was scammed by a debt settlement company who mislead me about there financial solutions they can provide. I am now left with a mess of debts and am struggling to figure this out. 

I contacted Bank of America for help, and they simply demanded I hand over {$11000.00} to settle this account. Well if I had XXXX I wouldnt really be in a financial mess would I? It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope that the regulators see what Bank of America is actually doing to consumers, even senior, sick consumers. 

Because of my sensitive health conditions I am particularly vulnerable to XXXX, and at this point I am unable to leave my home and I am having a hard time getting groceries and other essentials. I'm severely stressed out and Bank of America just makes my stress worst. Something needs to be done about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem am having is Experian is not following law and Under the Fair Credit Reporting Act, this This XXXX  XXXX XXXX account on file with Account Number : XXXX has passed the 7 year mark on my credit report and must be deleted off my credit report.
Product: Mortgage

I received the application for Loan Modification - this date XX/XX/XXXX  I sent in the application - XX/XX/2023 I called on ( date ) to confirm they received the application XX/XX/XXXX and XXXX and they have not removed the foreclosure. 
I found out that they are still pursuing foreclosure/sheriff 's sale on this date above. 
I found that they reported my foreclosure to the newspapers on this date XX/XX/XXXX  or XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the old inquiries off my credit so that I can see an improvement in my score. Can you please remove them for me, thank you.
Product: Vehicle loan or lease

Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed. 

Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me. 

Most ridiculously, they asked me to send back the lien release- I never even got it yet! 

This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment. 

Please help stop these nasty people.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX 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 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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items need to be disputed : Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I spent 2 says 6 weeks ago putting through complaint of fraud XXXX has nothing.
Product: Debt collection

Dear LVNV Funding LLC/ Resurgent Capital Services ; You are reporting fraudulent account on my credit report.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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : XXXX. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
XXXX. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
XXXX. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
XXXX. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I keep getting harassment calls from comenity bank.I get calls at least XXXX times a day they call back to back ;, I get left voicemails everyday everynight. I just can't take this anymore.This has been going on for XXXX XXXX months everyday back to back calls.I need help with this harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that an XXXX XXXX was on its way in the mail. I did not apply for this credit card. I called XXXX right away and had this card shut down. The fraud department at XXXX has been alerted and they filed a report. Then I looked at the rest of my credit report on XXXX XXXX and noticed 2 hard inquiries that were not made by me that also brought my score down by at least 50 points. The first inquiry took place on XX/XX/XXXX and the second one ( for a capital one card for which I did not apply ) happened on XX/XX/XXXX. I have also been notified by my XXXX XXXX and XXXX XXXX cards that someone in California tried to use my information to purchase product at The XXXX XXXX and online at XXXX, purchases I did not authorize. Those purchases were fortunately caught and blocked by the credit card companies but I had to close my XXXX XXXX account and freeze my XXXX card.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX XXXX Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report