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

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am trying to pay off and outstanding collections balance of XXXX ; which is reflected on my credit report. I reached out to the company to settle the bill and they said this account is no longer under them. 

I would like the item removed from my credit report until the correct company handling the debt notifies me. Its sitting on my credit report and im unable to take action on it/pay it I would like this resolved as Im trying to purchase a home.
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 Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

Kia motors credit change name on my credit report of company to Kia financial America which original name on the loan application and the original creditor name should not have any XXXX on my credit report therefore the name change should not have decreased my credit score but XXXX points which is not right till the old company name was Kia motor credit now it's Kia financial America
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the following items on my TransUnion credit report : XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX CARD - XXXX - {$710.00} XXXXXXXX XXXX XXXXXXXX - {$1100.00} XXXX - XXXX - {$0.00} These accounts are inaccurate and unverified. The XXXX, XXXX, XXXXXXXX XXXX, and XXXX accounts either have incorrect balances or I do not recognize them. The XXXX account is listed with a {$0.00} balance, which raises concerns about its proper reporting. Despite having disputed these items several times, no resolution has been reached. I believe these inaccuracies are a result of a possible data breach, which has compromised my personal information. The unresolved nature of these disputes is causing me immense emotional distress, negatively impacting my health, and creating ongoing anxiety regarding my credit status. I have attached an identity theft report to support this claim, and I urgently request these items be thoroughly investigated and removed from my credit report to alleviate the stress they are causing.
Product: Credit reporting or other personal consumer reports

Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report. Despite previous attempts to resolve this issue, the inaccurate information remains unchanged. 

The inaccuracies in question involve things I have previously disputed with no correction. This failure to investigate and resolve disputes aligns with the practices mentioned in the Consumer Financial Protection Bureaus complaint against Experian, where Experian was found to violate the Fair Credit Reporting Act by not properly investigating consumer disputes. 

I request that you review and update my credit report accordingly. Please provide me with the results of your investigation and the corrected credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, in reference to your response to me being a victim of identity theft, Your website does not let me or anyone dispute anything pertaining to fraud. So once again I am submitting my compliant thru the CFPB
Product: Credit reporting or other personal consumer reports

It appears account was reported 30 days late XX/XX/XXXX last updated on XX/XX/XXXX. I applied for the accounts to go into forbearance or deferment status due to financial hardship. The account is currently closed. 

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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. The unverified accounts indicated below continue reporting 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. I need the following accounts to be updated from my file right away I'd appreciate it if you could update these reporting accounts as soon as feasible. These accounts should be rectified as soon as possible if you do not comply with the instructions. 

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 XXXXXX/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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX 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 I AM A VICTIM OF IDENTITY THEFT
Product: Mortgage

They have misapplied almost every payment I have made. For example, I sent in a check which they received on XX/XX/year>. It was clearly marked addition principal payment. The applied to my XX/XX/XXXX regular payment. I have sent them 4 payments since I got my heloc and 3 have been misapplied. I sent them a message on XX/XX/year>XXXX  scolding them about the way that they were applying payments. I got no response back and today I get a message from the lender stating my XX/XX/XXXX payment was never made and they charged me a late fee. Not only have I made all my regular monthly payments but I have made additional principal payments of {$52000.00}. I dont understand how a mortgage lender has no idea how to apply payments. I called them today and the way the are going to fix it still leaves two of the payments misapplied. I tried to explain this to them as well as the fact when the additional principal payments were reapplied they need to be retroactive to date they received them so the interest charged to date would be correct but they would not listen
Product: Vehicle loan or lease

Account name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 73 Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from Capital One Auto Finance and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the 3 credit bureaus but they didn't do anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/202 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information to have it corrected and am getting no where. This information needs to be correct or deleted. Conflicting info across the board.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Columbia Debt Recovery dba Genesis Unlawful Debt Collection Practices Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Columbia Debt Recovery dba Genesis for engaging in unfair, deceptive, and abusive debt collection practices. On XX/XX/year>, I spoke with a representative named XXXX, who collected my personal and financial information, as well as details about my family. During the conversation, XXXX threatened that I would be taken to court if I did not pay the debt. 

Additionally, he provided XXXX different debt amounts during the same call, creating confusion about the actual balance owed. He also stated that an unusual and excessive amount of interest had been applied to the alleged debt without providing a clear explanation. 

I believe Columbia Debt Recovery dba Genesis has violated both federal and California consumer protection laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), which prohibits debt collectors from misrepresenting the amount of a debt ( 1692e ( 2 ) ( A ) ), threatening legal action they do not intend to take ( 1692e ( 5 ) ), and adding unauthorized interest or charges ( 1692f ). 

XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), which prohibits false threats of legal action ( 1788.10 ( e ) ), misrepresenting the nature or amount of a debt ( 1788.13 ( e ) ), and requires compliance with the FDCPA ( 1788.17 ). 

The California Unfair Competition Law ( XXXX. XXXX. & XXXX XXXX XXXX et seq. ), which prohibits fraudulent business practices, including deceptive debt collection tactics and the addition of excessive or unjustified charges. 

I request that the CFPB investigate Columbia Debt Recovery dba Genesis and take appropriate enforcement action, including : - Requiring them to provide a full accounting of my alleged debt, including a breakdown of any interest and fees added. 

- Conducting a review of their debt collection practices to ensure compliance with federal and state laws. 

- Obtaining a formal response from Columbia Debt Recovery dba Genesis regarding these violations. 

Thank you for your time and assistance. Please keep me informed of any updates regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XXXXXX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX Inquiry - New Inquiry - XXXX XX/XX/XXXX XXXX
Product: Debt collection

They continuously call me none stop matter time of day and do it back to back and with dozens of different phone numbers
Product: Credit reporting or other personal consumer reports

The company keeps reporting a XXXX XXXX old minor XXXX  violation, and holding up my background checks as if I were a convicted felon. By law in the state that I reside, the FCRA only allows a 7 year look back period. They seem to be engaging in the same behaviors that led to this judgement against them : https : //www.consumerfinance.gov/enforcement/actions/sterling-infosystems-inc/
Product: Money transfer, virtual currency, or money service

I am a victim of scam bank of america has recieved all of the needed documents and proof also on calls that was made from me on XXXX to the bank the bank associate then ask for my account info over the phone as a result to next days calls to bank several calls within that week I was informed by other associates that the bank associate was never supposed to ask me for my account information as one associate provides me what was supposed to be XXXX correct number end up being the same number I had already dialed so it looks like all of this they were working together all the had to do was listen to the calls between me and bank associates the proof is right there but they write me telling me the are not refunding or credit my account apparently they did not do full investigation as they Said they were!
Product: Credit reporting or other personal consumer reports

Fraud account on my report. It was deleted in the XXXX but reappeared.
Product: Debt collection

Here is a revised letter with specific references to the Fair Credit Reporting Act ( FCRA ) and language that strengthens your case without including anything that might harm your chances of success. Ive removed unnecessary details and focused solely on the request for the complete removal of the ONEMAIN account. 

Subject : Formal Complaint and Request for Removal of ONEMAIN Account from Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint regarding the inaccurate reporting of an account by ONEMAIN on my credit report. The debt associated with this account has been sold to XXXX XXXX XXXX, who have since removed their reporting of the debt. However, ONEMAIN continues to report this account, which violates the Fair Credit Reporting Act ( FCRA ) and creates a misleading and inaccurate portrayal of my credit obligations. 

Details of the Issue Creditor : ONEMAIN Account Number : XXXX Problem : ONEMAIN is reporting a debt they no longer own. Since the account has been sold to XXXX XXXX XXXX, it should no longer appear on my credit report. 

Relevant Statutes Under the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Reporting a sold debt as active or open violates this requirement.

2. 15 U.S.C. 1681s-2 ( b ) : Furnishers of information, such as ONEMAIN, are required to conduct investigations and correct or delete inaccurate information upon notice of a dispute. 

Request for Resolution I respectfully request that the CFPB require ONEMAIN to : 1. Completely remove the account from my credit report, as they no longer own the debt, and its continued reporting is both inaccurate and harmful.
Product: Money transfer, virtual currency, or money service

I purchase {$25.00} for stock on the cash app for XXXX and then cancel it never returned my money there's no customer service that you can reach I have text message them five times about this problem and yet there is no resolution I know one tried to reach me and this was on XX/XX/XXXX {$25.00} came out of my account and had not yet been replaced for some stop but I could not
Product: Student loan

My services recently switched to Nelnet. On my old account I was still paying actively on my loans even during the pandemic. Somehow when my servicer switched the monthly payment amount went from {$130.00} to {$1100.00} and they withdrew that from my account which caused a significant overdraft. I contacted both my bank and Nelnet to get the issue rectified and the transaction was reversed through my bank. Nelnet notified me that due to my loan servicer changing this amount was not updated and it would be updated closer to XXXX. This morning, however, Nelnet once again charged the amount and it took out again causing another overdraft after I had already spoken to them about the issue the prior week. My account is now has a balance of XXXX because they processed the payment again after I already called and had the issue rectified and they indicated my contact was noted in their system. Now they are telling me I have to wait 2-3 business days just for the refund to be approved, then an ADDITIONAL 4-6 weeks for a check to be sent to me. Meanwhile I have to somehow find the means to cover {$990.00} within the timeframe I have to wait just for my account to be out of the negatives, in addition to the extra {$210.00} they charged as well.