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

Im having a lot of issues with the companies I have sent emails I have sent in police reports and there is still a problem the fraudulent account is still in my report. Like I have said for the tenth time I have no knowledge of this fraudulent account. I should not be penalize for my identity being stolen. This is against the law. Help me do what's right. I have attached the FTC/Police report. & Proof of my identity
Product: Credit reporting or other personal consumer reports

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

When the CARES Act came to fruition I went on my mortage company 's website ( Citizens One ) to inquire about the deferral program everyone was talking about to see if it was legit or not. I used the companies secure messaging service to do so. ( Im sure copies of this correspondence are available and recorded. ) All I did was inquire about the program, when they replied and told me it was a forbearance, I replied, " No thank you '' and never inquired again. I received a forbearance packet in the mail which I shredded and did not respond to. When I tried to refinance my mortgage I was told that my mortgage was in forbearance and was not eligible. I immediately contacted the mortgage company ( Citizens One ) via their secure messaging service and informed them that I had not requested to be placed into forbearance and they needed to remove me immediately. I received a call from a lady named " XXXX '' in the office of the Chairman from Citizens One, and I explained all of this to her. I told her that had negatively impacted my credit and caused me to lose the opportunity to refinance. I told her I wanted a letter stating that I was mistakenly placed into this program and that I had made all payments during the period, that I could present to the company I was attempting to refinance with. SHe said she would have to call me back. She did in fact call me back, stating that I was now out of the program, as the 90 days had passed, ( So it appears that I voluntarily opted into this program and it simply ran its course ) but said that she could not send a letter. I want a letter from Citizens One stating that I was mistakenly placed into this program by no choice of my own, and that all payments were in fact made during this period. To date I still have not received this letter. 
Citizens One, Loan number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX XXXX XXXX XXXX (now XXXX XXXX) did a credit inquiry through CoreLogic Credco against my wishes.On XX/XX/XXXX XXXX XXXX XXXX did a credit inquiry through CoreLogic Credco against my wishes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was the victim of a scam involving XXXX and the money service Zelle. I was selling a washer and dryer on the XXXX XXXX for {$520.00}. The person ( s ) interested contacted me via XXXX XXXX, asking about the price and if they could possibly pick them up that same afternoon. They asked if we could use Zelle to transfer the money from their account into mine. I agreed, and installed the application on my phone. They then told me that in order to transfer the full amount, I would have to upgrade my account to a " business account '', and they claimed that they would have to send me an additional {$320.00} for a total sum of {$850.00}. I had never used Zelle before to transfer money, and so I assumed they were telling the truth. The person I was speaking with insisted that they trusted me to refund the extra {$320.00} once the transaction was completed. I only had {$300.00} in my account, so that was what I sent them, under the belief that it was taking a while for the funds to appear on my end, as the buyer reassured me. I received a series of emails during the transaction process, claiming that I was to send them larger and larger amounts in order for Zelle to release the funds into my account. The final email was asking for my personal information, my bank account number, routing number, user name and password. I told the buyer over messenger that I was uncomfortable with this, and asked kindly if they could return the {$300.00} I had sent them using Zelle. At this point the buyer/scammer left the conversation, and in a panic I called my bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX if there was anything they could do to reverse or cancel the transfer, as it was still pending. They told me there was nothing I could do as I had " willingly '' sent the scammer the money and that I had to file the incident with the local police. I immediately contacted Zelle. They created a case for me, though they told me there was nothing they could do on their end for the same reason. Zelle customer support confirmed that the emails I supposedly received from them were not legitimate using the email addresses. The Zelle case number is XXXX. I will be filing a report with the local police.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

CITIBank retail services- Sears , Shop Your Way credit card. I transferred {$2000.00} from another credit card using convenience checks on XX/XX/2023. This credit card had a XXXX balance at the time and was a promotional balance for 12 months. I scheduled auto payments that would have paid this amount in full prior to the promotional period ending. In XXXX of 2023, I charged an additional {$1600.00} in veterinary bills. I just reviewed my statement showing the promotional purchase of {$2000.00} and found that the remaining balance was a little over {$1900.00}. Approximately 18 % of my monthly payment has been allocated to the promotional balance with the remaining amount being allocated to interest and the newer charges. I contacted the company to ask that the payments be reallocated posting everything over the minimum payment due to the promotional amount. They refused and stated that the payments were being allocated according to my credit card agreement and that any remaining balance would be transferred to interest-bearing at the end of the promotional term. Advertising this as a promotional balance transfer is simply false advertising. Allocating the payments so the credit card issuer earns the interest from the regular charges while leaving as much of the promotional balance as possible to then earn the interest from that is fraud. I am a forensic accountant, I noticed this, how many people do not? This is deceptive, unethical and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to all three credit bureaus. I have also sent letters to OMNI FINANCIAL in regards to a debt owed with the balance of XXXX I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The Account balance and date last active is inaccurate across all three credit bureaus. According to XXXX XXXX XXXX XXXX. I have the right to dispute inaccuracies on the credit rmy credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I had a credit card used in my name for several months in XX/XX/XXXX and XX/XX/XXXX that are affecting my ability to get a credit card now. I 've tried to make payments never to receive a bill again I changed my address two times. I 've gone through several family XXXX had my car stolen fell, into the XXXX XXXX luckily made it out and am trying to better my life by starting my own XXXX and I need to have some start up money in order to build a future literally from the ground up. Please and thank you for your time and consideration God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....
Product: Credit reporting or other personal consumer reports

I had moved about two years ago got a no causes eviction fine but we moved out by the 30days they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from XXXXXXXX XXXX XXXX but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, I have a mortgage with XXXX XXXX Bank. During Covid, starting XX/XX/2020 I put the loan in forbearance due immediate Job loss due to covid-19. In XXXX 2020, I returned back to work and Called the bank to discuss options for payments, it was decided deferral was the best option and we worked with loss mitigation to make this successful. It has been over a year and it is still not cleared up. Since XXXX 2020, we continued to make monthly payments and have paid a total of {$16000.00}, a total of 13 months of payments. We call every month trying to fix this problem but they keep messing it up. Now, we are in a terrible financial situation due to this problem.
Product: Vehicle loan or lease

What happened is the westlake financial made a statement against me to XXXX  and I took a action on disputing against the statement. So I don't want to any history/information recorded between my name and they business. Its making it difficult to apply my nature to my survival.
Product: Debt collection

I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.
Product: Mortgage

Shellpoint is acting in bad faith regarding a real estate transaction and in violation CA Homeowner Bill of Rights by denying borrower their legal right to short sale and illegally inflating the value of borrower 's property while disregarding known issues about unpermitted construction on property. Shellpoint has been advised about unpermitted additions done on this property yet they are refusing to acknowledge these facts and allot for the monies needed to correct this.
Product: Credit reporting or other personal consumer reports

Ive been telling XXXX  this account is not mine for a year now and they also admitted that they could not authorize my address. 

They have mentioned a card member agreeement and I have never agreed to anything and they can not prove it. 

They also said that we do not have a physical contract between me and XXXX  but they are reporting publicly on my consumer report without any correct information.
Product: Money transfer, virtual currency, or money service

XXXX XXXX. Someone from XXXX hacked into my western union account and sent from my bank XXXX. By the time I got email about it person picked up money. Then I get a receipt sent to me from someone who used western union to send me XXXX back from XXXX, unfortunately western union has no record with that tracking number. I immediately after each incident called western union and or my bank. 
Western union response was to send them documentation of both transactions to start investigating. 
Unfortunately because stolen money was picked up I could n't cancel transaction for refund and other transaction nothing but apology. 
My bank on first fraudulent transaction could n't stop payment because used my card number.
Product: Credit card or prepaid card

Self gave me a credit card, which I never used. They have reported late payments on my credit. I have never used the card nor never had a balance. I requested for Self to be removed completely removed from my credit and they refused.

Self closed my credit building account during a national pandemic. They refunded my money and I would like to have it deleted from my credit reports. They refuse to delete from my credit reports
Product: Debt collection

They responded back to you that my account is accurate. 
Account # XXXX XXXX XXXX XXXX, I need a validation letter showing proof that they own this debt, copy of original contract with my signature that i sign for this debt and proof that they own this debt, address and name, if not they need to remove off my credit report. 
Also the orginal furnisher to send me the XXXX that they got from the IRS when they file and right this debt off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft I have contacted Transunion asking for validation of numerous items they are claiming are derogatory on my credit report they are claiming is mine on XX/XX/2021 via XXXX mail. Until this day I have not been provided a response I have mailed a letter to experian demanding validation and according to the FCRA experian has 30 days to reply. The date is now XX/XX/2021 according to the law they have had more than the allowable time to reply and failed. I now ask that the CFPB take matter into their hands and delete the negative items they are reporting on my report. Attached is a highlighted letter highlighting the numerous negative items on my report using the EOS language that I also sent to Transunion. I again request a deletion of all negative items they have been unable to verify this is causing me financial harm my next step is to fail a lawsuit against I companies involved.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX
Product: Debt collection

I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.
Product: Credit reporting or other personal consumer reports

I recently on XXXX requested detailed description of all procedures used in the XXXX bureaus verifying that payments were ever late. The XXXX bureaus responded that they received information from XXXX and XXXX that I was late but did not provide what I asked. Also I never gave permission for my information to be shared with a third party. And even if information was given that is legal all information would be the same among all XXXX  bureaus and is not. Im showing proof that the information is inaccurate and would like it to be removed immediately and updated. Also I will be reaching out yo an attorney due to several of my rights being violated per FCRA 15 UD code 1681, code 611 ( a ) ( 7 ), as well as code 605b
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion Due to Inconsistent and Unverifiable Reporting [ Creditor Name ] Dear Consumer Financial Protection Bureau, I am filing a complaint regarding inaccurate and inconsistent reporting by Applied Bank across the major credit bureaus. The reported information is contradictory and unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Experian : Reports monthly updates and lists XX/XX/XXXX as late, with a status update as of XX/XX/XXXX. 
TransUnion : Shows no monthly updates and lists the status update as XX/XX/XXXX. 
XXXX : XXXX different monthly updates and lists XX/XX/XXXX as paid, with a status update as XX/XX/XXXX. 
These conflicting details make it impossible to determine which information if any is accurate. Since the data is inconsistent and unverifiable, I am requesting that this account be deleted from my credit report in accordance with my rights under the FCRA. 

I have attached supporting documents, including copies of my credit reports highlighting the discrepancies. 

I ask that the CFPB investigate this matter and ensure the inaccurate information is permanently removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

Refer to complaint XXXX Card.com stated my funds were escheated so then why havent turned my money over to the state yet? They havent sent me any mail or notification on any of the actions they've made with my account or movements of my money. My account says XXXX and that's not right.
Product: Debt collection

In XXXX of XXXX a settlement was reached in court between myself and XXXX XXXX XXXX XXXX XXXX, who was the holder of my student loans. 

Weltman, Weinberg & Reis Co., LPA out of Ohio is the debt collection agency I was to make my payments to. 

I have three separate loans that each have their own judgment entries and account numbers. 

On each account I was to make an initial payment of {$220.00} for the first account, {$190.00} for the second and {$82.00} for the third before the end of XX/XX/XXXX. After the initial payments I was to make monthly payments of {$180.00} for the first account, {$150.00} for the second and {$79.00} for the third before the last business day of each month for the next 48 months until the settlement amounts had been paid for each account. 

On XX/XX/XXXX I made final payments of what I still owed on each of the three loans. On the first account the settlement amount was {$8900.00} and I made a final payment of {$740.00}. 

The settlement amount on the second account was {$7400.00} and on XX/XX/XXXX I made a payment of {$620.00}. 

The settlement amount on the third account was {$3800.00} and on XX/XX/XXXX I made a payment of {$310.00}. 

These payments made on XX/XX/XXXX, along with the previous 43 months worth of payments on each account and the initial payments in XX/XX/XXXX add up to me paying the court ordered settlement amount on each account. 

I never missed a payment and was never late with a payment. However after making these final payments my online account was still showing that I owed more money, amounting to the pre-settlement amount. This is incorrect and I have court documents to prove the settlement amounts. 

I tried several times to get in touch with someone to speak to about my accounts via phone and email. I left and sent many messages that have gone unanswered. I finally got someone on the phone to speak to and was told they could only speak to my attorney. 

I contacted the attorney who represented me in XXXX and he has tried multiple times to get in touch with someone to let them know they can speak with me directly. His messages have also gone unanswered and no one has responded to me or my attorney. 

As of now I also can no longer access my online account, I get an error, saying the page cant be displayed and to call or email regarding my account, but I have tried that repeatedly and never get any response. 

I want written confirmation and acknowledgement from Weltman, Weinberg & Reis that my debts have been settled and paid as they were agreed upon in court and that I no longer owe them anything.