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

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and Transunion shall delete it. I did not give Transunion written consent to furnish my consumer report pursuant to 15 USC 16816 ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have order my new credit report from equifax and i have came across some inquires that i have not approve any one to run my credit, also i have contacted equifax about this matter and i have got no answer from them, i have mail out a FTC police report on this matter and still no answer and i have been doing my resreach because iam in the process on rebuilding my credit that when i send a FTC report in to equifax they to follow the rules and they have not here are all the inquires capital on date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX these are all the inquires i have no idea why they are on my credit report and dont forget i mail my FTC police report to u all and u all still havent remove nothing u all are breaking the law plz fix this matter ASAP
Product: Mortgage

I was in the mortgage forbearance program per the Cares Act affirming financial hardship due to COVID-19. The initial 180 days has come to and end and I requested an additional 180 day extension as outlined in the Cares Act. I sent this request via certified mail with return receipt. I received notification back that I am being denied the extension by my loan servicer ( Flagstar Bank ) who is requesting additional financial information in order to modify my existing loan. They also have begun charging me late fees. I would simply like to be granted the additional 180 days or mortgage forbearance relief as outlined in the Cares Act which states that no further additional documentation is required.
Product: Credit reporting or other personal consumer reports

The below 1 item ( s ) were not submitted and need your attention. 
Error submitting dispute Account name AMERICAN CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$23000.00} as of XX/XX/XXXX Status Open. Deferred, payments begin XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Payment never late Additional information SEE FTC and CFPB report You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Security Credit Services located in the State of Mississippi, with which I have no business dealings whatsoever and have never been contacted by, posted fraudulent information to my credit report on XX/XX/2021. 

This information indicates a debt reported to be in collections for {$1400.00}. I have never had such an amount in any account payable nor did Security Credit Services indicate what the debt was related to as they have never contacted by by mail or by phone.
Product: Debt collection

AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.
Product: Credit card or prepaid card

I had a credit card with Kohls that went into collections back in XX/XX/2014. They are reporting the account on my credit report, listing an unpaid balance of {$570.00}. Recently, I tried to call them to resolve the unpaid balance, so the account would update as paid on my credit report. Kohls refused to accept payment from me. On top of refusing to accept payment, they are telling me that they also will not remove the account from my credit report. They are holding my credit report hostage by refusing to either 1. accept my payment or 2. remove the account from my credit report.
Product: Checking or savings account

On Tue XXXX XXXX I got an email " Your Citi account ( XXXX ) will automatically close within 60 days '' Prior to this I noticed an unauthorized transaction on my account which I Lodge a complain for investigation. I was following up with Citibank fraud department to know the outcome of the investigation. I was told they will get back to me, thereafter I can't follow up with the investigation because I blocked me from accessing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both XXXX and Equifax There are three new credit inquiries on my credit rating accounts with XXXX and Equifax- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX  XXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX acct # XXXX **** .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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO 15 USC 1681a ( 2 ) i didn't give written permission to have these fraudulent hard inquiries furnished/ reporting on my consumer report please remove.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX XX/XX/XXXX - XXXX - {$120.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my report and noticed an account from XXXX XXXX for XXXX still remaining that i paid and was promised it would be deleted.
Product: Credit reporting or other personal consumer reports

Full Name : Address : Credit Bureau Name : XXXX Address : Amount of Debt : Date of Service : Provider of Service : To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act t, Account # [ ], has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy. 
15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : Account Number : Date of Late Payment : XXXX I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency. 
( I am not a third party, I wrote this letter myself ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly involving the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times are reporting discrepancies, my financial institution and they failed to investigate my claims adequately. They informed me that recovering loss phone was impossible in that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also allow repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Debt collection

This collection company call a lot of time, and in 2 ocasion i tell them, this amount is incorrect, but they said i have to pay, this = is what i old, i said not i old like XXXX why i have to pay {$440.00}, i want to dispute this, they said i can't this dispute this amount, that the only think i have to do is pay the XXXX i say no,,, i want to dispute this amount, and they reduce with a very bad behavior and rude. THe have now report this to all credit berue even without letting me dispute this, of give me the opportunity to dispute this amount. 

Also this deb company call for a lot diferente phone number, and use tactic like, can you put XXXX on phone, if i said is not here, the said this i a debt collection calling for XXXX on deb she have from XXXX, even if they don't know who pick the phone, my husband take the phone few time and they give information without permission, also the call saturday and sundays, and call a lot of time so when my husband pick the phone they hangoff..like XXXX to a woman to pick the phone guessing it is me.
Product: Mortgage

I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX  patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.
Product: Debt collection

I reached out to tXXXX XXXX XXXX to submit a request for debt validation because, I never got any letter. They claim over and over that I got it, or they sent stuff. Regardless they responded as seen below on XX/XX/2022 that they will send the letter. 


" XX/XX/2022... we are treating this complaint as a request for validation and will send documentation to her '' On XX/XX/2022 just a few days later they called about the debt again ( home/cell ) first they asked me to ensure I answer calls when they call ( i work, i cant answer evry single time they call, but i ALWAYS call back when i can ) second they said they had no idea they were asked to send validation and will send it now. 

To my understanding, they arent supposed to contact me to collect a debt until i have validation, i asked for it, and they continued to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.
Product: Credit card or prepaid card

Being charged for a fraud charge after contacting them serval times they final closed the card but are still asking for payment for something I never received I had tried to purchase a tv and XXXX XXXX from XXXX XXXX XXXX XXXX they claimed the was hold funds from credit card company I tried reach to bank they claimed the funds were in mean time no order was ever processed I am being charged for fraud charge I had contact them more them I should I have to try get this resolved and they say I still have pay balance when I nothing to show for it how is this even legal this was from synchrony home card They cloaked the card but are still asking for money for merchandise I never received I told them I didnt get no tracking information to prove that I have it I was scammed from retailer they recommended on there site now I am out for a cost XXXX I feel that is illegal and fraud how can you have someone pay for something they never got
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 Account # XXXX, XXXX XXXX Account # 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 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

Ive been trying to dispute this account through National Credit System since its on my credit report. I have never receive any notice from the apartments thats I used to live that I owe anything. I was never late on rent and left in good terms. Contract was never broken and the 3 months were given before we move out in XX/XX/2018. Ive been trying to dispute this and this company keep denying stating is my account and all the information is accurate but they dont have anything to prove its mine. I contacted this apartment complex but they sold it 3 yrs ago and name have change and they dont know who previous owners are. I send through mail a letter to National Credit System requesting information about this account and I havent receive any response back. I also call and request information to be email or send my mail and the lady told me they dont have anything to prove this account was mine. I request to speak to a supervisor and she told me she was busy that she will call me back and till this date Nobody have call me back. I keep disputing this and it keeps getting reject it. If they dont even have anything to prove this account is mine and there is no way to get in touch with those apartments owners how Im supposed to pay for something that not even they know if is mine or not. My credit shows were they report my payments as excellent never late so how I owe anything. We left un good terms and I never received any letter or call from this apartments that I owe anything to them either. When I go to their website and search for the account they have for me its not even bringing anything up.
Product: Student loan

XXXX Navient private loan is asking for the same amount every month on my private loan which should be substantially less asking for. It should emulate less then the original since I paid a majority of it off. They are asking {$55.00} with no reduction in asking price. I have over 50 accounts and me putting this loan at top is rediculous and its not handled properly. 
Also, I gave this company checks that it has cashed but not put towards the balance. This is fraud since you are taking money that is not yours and asking for even more money. I have already pulled the checks so I know 100 % I am correct. You printed wrong number on checks as well. You reported me to credit reporting and my legal team is currently reviewing data since this is absurd. 
Furthermore, the rep told me second to last I owed XXXX and now they said its XXXX $ I paid XXXX XX/XX/23. We should less then a XXXX. My bank even seen checks cashed that amount isnt put toward balance.
Product: Credit card or prepaid card

On XXXX XXXX, I ordered a pair of shoes from XXXX, and the package was supposed to be delivered to my apartment building. However, due to our building 's locker system being out of service for several weeks, the package was not delivered to the designated location. There were signs on the locker system clearly stating that all packages should be delivered to the recipients door. Despite my efforts to locate the package, including contacting my leasing office and thoroughly searching the premises, the shoes were never found. 

I have spent countless hours on the phone with XXXX. The only thing they will tell me is that they believe the package was delivered and there is nothing they can do to help me. I have also disputed this transaction with Synchrony Bank / PayPal Credit four times. They do not provide me with any information that would indicate why they are siding with XXXXXXXX XXXX The last dispute I submitted was not responded to. I learned by checking the status online that they had again sided with the merchant. 

The transaction in question occurred on XX/XX/XXXX XXXX XXXX The delivery company, XXXX, insists on a fallacious narrative that the package was delivered to a locker in my residential building. However, I have concrete proof from my building management that the locker system was indisputably non-operational on the supposed day of delivery. This glaring inconsistency exposes XXXX XXXX claim as fundamentally flawed and entirely baseless. 

To further highlight the absurdity of their claim, XXXX has failed to produce any tangible evidence such as a photograph or signed receipt to confirm their alleged delivery. Their failure to do so is not merely an oversight, but a critical failing that challenges the credibility of their assertion. For the avoidance of doubt, let me restate : I did not receive the package.
Product: Debt collection

Mandarich Law is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. Mandarich Law is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to XXXX XXXX and Transunion. They have closed my complaint and just made an excuse on why they could not answer my complaint.This is my XXXX  time and the previous time they have said they do not recognize the customer and need authorization which does not make sense if I have provided my drivers license as well the bank statement