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

Capital one is reporting teo different payments and it's causing almy score to decrease, i was told that it would be resolved three months ago and it's still hasn't and now i can get the interest rate that i should be entitled to, i m asking to please remove this incorrect report on my report or correct these. Payment so i can move forward with my business thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX till this date XX/XX/XXXX a period of 17 months, Freedom Debt Relief had automatic withdrawals of XXXX twice a month out of my checking account but there was no activities or transaction payments made to my creditors during that timeframe. 

I started using Freedom Debt Relief XXXX of XXXX. 

I called numerous times to get information but was always put on hold for a minimum of 30 min each time. Was told i would get a call back from management but never did. 

Recently ive asked my bank to stop payment until i can get through to someone at Freedom Debt relief to cancel my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not correct or update wrong information regardless of documents attached to dispute services. I am in a payment agreement with the department of education and I have provided proof of agreement, proof of on time payment status and proof that the last 16 late payment on my credit report are in error however they will not make any changes. I continue to dispute their claims However all the say is, The result of their information is that the information reported is true regardless of documents from department of education I uploaded.
Product: Debt collection

In XX/XX/2019 I disputed some inaccurate information on KOHLS Card with  XXXX, XXXX and XXXX. I do not agree with the information that was verified by KOHLS Card to these three agencies. I would like Kohls to verify the full account details they VERIFIED and reported back to the investigation requested by XXXX, XXXX, XXXX for XXXX and XX/XX/2019,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, Capital One Auto Finance and XXXX. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
Product: Consumer Loan

I called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly under the the recent CFPB lawsuit highlighting significant issues with the platform. Despite being a Zelle user, my financial institution and Zelle failed to investigate my claims adequately after I reported numerous discrepancies. The CFPB findings indicate that Zelle has not only neglected to protect customers but allowed repeat offenders to exploit the system, allowing for scams.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate : XXXX XXXX  ( 2 accounts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 XXXXXXXX, 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 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: Debt collection

I am the author of this complaint and I have attached an ID theft report, my driver 's license and my social security card to verify my identity. I applied for a loan and was denied. I noticed UNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) reporting on my credit report without my consent or authorization. I contacted them to validate the debt and to show a contract between me and them but they have sent me frivolous responses and did not address my concern.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Credit reporting or other personal consumer reports

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and TransUnion. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from XXXX stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Product: Debt collection

Sent a court judgement to an address that I have not lived at for 2 1/2 to 3 years. This is a desperate attempt to reactivate a debt that does not belong to me. They took money out of my bank account in 2018 which is obviously 4 years ago almost 5. They sent a notice to an old address.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719 I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists and I would like for it to be remove from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Someone or group of people had acquired access to confidential information and personal information where they used it to engage in all forms of financial activity. From opening accounts to maxing out credit cards and attempting to gain membership within credit unions. Thousands of dollars spent on card accounts and left unpaid as well as attempts to purchase vehicles under my name. Once I knowledge of these actions and accounts I tried contacting the companies directly to inquire on about them and close them down. I also contacted the credit bureaus to inform that these accounts were not mine and I was a victim of identity theft.
Product: Mortgage

My wife at the time and I purchased the house in XXXX with a 10 year interest only loan before the mortgage bubble burst. The original loan was with XXXX before being sold to a private investor that use XXXX  XXXX XXXX. After the loan was sold we tried to refinance but could not find any assistance because the house was upside down and our loan was not with XXXX XXXX or XXXX XXXX. Before the 10 years was up my wife and I divorced and I tried for a modification because of the loss of income and received a modification with a 5 % interest rate while the national average was a little more than 2 %. This was in XXXX. At the time my credit score was roughly between 830 and 840. I was told I did not qualify for any programs the government was providing because my mortgage wasnt under XXXX XXXX and XXXX XXXX. This was is the response we would receive from XXXX XXXX XXXX whenever we try to refinance like other neighbors with homes that were valued less than what they paid for. I was not able to get the same assistance others in the community were receiving. Selene later became the mortgage provider and offered a modification at 6 %. Im looking for a reasonable mortgage payment.
Product: Credit card

I received a letter from Wells Fargo Bank dated XX/XX/year> stating that a hold was placed on my credit account due to unusual activity ( I locked my credit card ). They asked me to provide a signed cardholder consent form and a 4506-C tax form by XX/XX/year> or my account would be closed. I submitted the forms that were asked for and submitted them at the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, MD XXXX on Thursday, XX/XX/year>. On Saturday, XX/XX/year>, I received a notification on XXXX XXXX  that my credit card was removed from my XXXX XXXX account. I checked my Wells Fargo app to see what was going on and my credit account was not listed in my accounts summary. I called Wells Fargo to see what was going on and after being bounced around multiple departments and being hung up on twice, I was finally told that my account was closed. When I inquired as to why this happened, I was told that I would not be able to be told over the phone and to expect a letter detailing why my account was closed. I believe the banker said that I would have until either XX/XX/XXXX or XXXX to pay back the remainder of my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loan repayment was waived because of disability. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during disability monitoring.
Product: Vehicle loan or lease

XX/XX/XXXX, I am speaking with XXXX at the executive offices, he is addressing my concerns with the refund amount of XXXX, when refund should be XXXX for fraudulent CPI charges placed on my account. Executive offices are claiming to have refunded all CPI related charges but can not verify where my over payments went as they do not reflect my principal or interest. He denied that CPI charges were included in payments acting as if the funds were held separately. I have a letter dated XX/XX/XXXX from Wells Fargo stating that my loan is in default because I did not pay all of the insurance premium in the 2 mo that I had the loan. Executive offices are denying sending this letter out. It is attached. Executive offices are saying I am not allowed to refer to my monthly statements for accurate payment calculations and schedule. 

Please advise where the loan payments from XXXX XX/XX/XXXX were applied to if they did not get applied to ins premium, late fees or additional interest. 

My loan was for XXXX at 5.99 % int. for 60 mo. 
The total paid out to Wells Fargo in 15 mo is over XXXX. 

Please advise where my payments went as I see that only XXXX ever went to my principal and interest.
Product: Credit card

This account was supposed to have been closed in XX/XX/XXXX by my ex husband. I never knew of this credit card until we filed divorce in XX/XX/XXXX, at this time I learned there was an account in my name although I never opened this nor even held the credit cards. XXXX XXXX,, my ex husband opened this account and also added himself to this account as a secondary user. Since we were divorcing, he paid all final balances and it was settled and supposed to have been closed after divorce. I called in XX/XX/XXXX when I learned he reopened the account and asked for cards to be mailed to an address I have never lived at. I immediately called and told FNBO we are divorced, NO accounts should be opened in my name, NO cards should be sent out and confirmed there were NO accounts. I was told NO, and tthis was recorded. A few days later, my ex called and said he wanted ANOTHER address on file and asked for cards to be mailed there. The fact that i called and said we were DIVORCED and there should be NO cards in my name was disregarded and cards were mailed out to MY name but not my address, nor was I notified. My ex husband proceeded to use these new cards and I called SEVERAL times to remove myself, had him fill out release of responsibility forms and he even called and stated he wanted to transfer them to his name solely. I went to XXXX XXXX and informed them of this as well. FNBO had me pay a balance of {$670.00} and told me as long as I paid that balance and his account was up to date, that they could file the paperwork to remove me. I have spoken to fraud and several departments and have failed to get myself removed from this fraudelent account. I told the agent XX/XX/XXXX that we were divorced and that I was making sure NO more accounts were opened and I wanted all closed, so there should have NEVER been cards mailed on multiple occasions to my EX husband. I have spent hours upon hours trying to get this resolved since this was fraud yet FNBO refuses to remove me even though they have on recording and paper that he takes responsibility for this account he opened without my knowledge and fraudently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to call several times but keep receiving an automated prompt that won't allow for human interaction. I've called because my credit score had taken a significant drop and I wanted to know the cause of this. It is my right to know, however nothing is displayed on the Experian website to explain the reason for this drop. I am also paying for a membership with Experian so that I can have access to this information and so I just want the service that I'm paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

MARINER FINANCE LLC has been in violation of the FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against MARINER FINANCE LLC.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX XXXXXXXX under account number XXXX, with a total fraudulent amount of {$5700.00}, discovered in XX/XX/XXXX. 
A personal loan account opened at XXXX XXXX XXXX under account number XXXX, with a total fraudulent amount of {$2900.00}, discovered in XX/XX/XXXX. 
A credit card account opened at XXXX XXXX  under account number XXXX, with a total fraudulent amount of {$9800.00}, discovered in XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question ( including XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX ) as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.