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

XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 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 An 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

To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. Capital One then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by XXXX XXXX XXXX Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge black eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$400.00} XXXX XXXX {$11000.00} XXXX {$910.00} XXXX XXXX {$3700.00}
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/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX  XXXX XXXX {$4300.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX XXXX BALANCE {$2200.00}, XXXX XXXX XXXX BALANCE {$4300.00}, XXXX XXXX XXXX BALANCE {$14000.00}
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 XXXX XXXX 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. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, Equifax and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXXL on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Product: Debt collection

Dear FFAM I ASKED YOU FOR THE CREDIT APPLICATION WITH MY SIGNED Signature attached You sent some billing statements that anyone could have made it. ONE MORE TIME IF YOU ARE UNABLE TO SEND ME THE INFORMATION REQUESTED I ASK THAT YOU CEASE AND DESIST OR ELSE YOU WILL BE SUED FINAL WARNING IF YOU HAVE PUT ANY MARKS ON MY CREDIT FILE I SUGGEST YOU DELETE THEM TODAY
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account in my credit report ( XXXXXXXX XXXX Date opened XXXX ) Please remove this fraudulent account from my credit report. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Consumer ADJ Co and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about XXXX  XXXX  a few days ago in regards to them deleting my charge card with them off my credit reports. Today XX/XX/2020 I received a response back that they reported my history to the credit reporting agencys on XX/XX/2020 and they report every 30 days. Today is XX/XX/2020 its past 30 days and this account should be reporting. Due to them deleting this account off my credit reports my score dropped over 93 points. I am extremely frustrated that I now have a much lower credit score and I had asked me to please per TransUnion call them and TransUnion said they will have them immediately report it back on my report.
Product: Debt collection

My identity was stolen .. and XXXX have my affidavit on file but will not remove a closed that is not authorized by me
Product: Money transfer, virtual currency, or money service

I made a purchase for bitcoin and the withdraw has not reflected on my account. I called many times spoke to many people with no resolution. I am bothered that they are not answering me by online support nor by telephone. Cash app keeps blocking every transactions I make and it's becoming an issue. Now they are completly ignoring my concern by not answering me. Please help me resolve this issue. There was a transaction for the amount of XXXX $ and another for XXXX XXXX Cash app is not professional with handling concerns. This transaction was made on Sunday XX/XX/2023 today is Tuesday XX/XX/XXXX and still no resolution.. It should had not taken this long especially when it says the transaction has been successful, but its not reflecting on my Bitcoin. Please help me get my money that cash app is holding or blocking my transaction. I honestly feel unconfortable this is a form of harrasment and abuse of power. I don't appreciate this kind of business with cashapp. This is complain is for both sender and recipient for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID pandemic I applied for Wells Fargo Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the Wells Fargo Loan Advisor handling COVID related clams was : " XXXX this program affect my credit scores in the present or future? Wells Fargo 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with Wells Fargo. Wells Fargo has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my XXXX credit score dropped 82pts due to this comment. I have verified that with the XXXX they are counting this comment as a major negative delinquency. 
I have reached out to the Wells Fargo executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise
Product: Debt collection

On or about XX/XX/2018, I was alerted by XXXX XXXX XXXX that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by Security Credit Services.
Product: Checking or savings account

Saturday XX/XX/XXXX BBVA transferred my simple account to their banking platform. Nothing went right for me ( or millions of users ) and I now am locked out of my own account. Cant access my funds. Cant see how much I have in my account. Nor use my debit card. 

XX/XX/XXXX I have been calling their customer service only to get hung up on repeatedly or they ditch the call by claiming to not hear me. Im not alone in this. BBVA needs to be held accountable for having MONTHS to figure this out and failing. While also financially screwing thousands, if not millions out of their own money.
Product: Debt collection

On XX/XX/2017 pursuant of the FDCPA, I requested validation of a debt that Portfolio Recovery Associates is attempting to collect. The company failed to respond and they have continued their collection efforts. 
The reason I requested validation of this debt is because I am not even certain who the vendor is that managed the XXXX BANK account. XXXX BANK offers credit products for many companies and the name on my report is very vague.
Product: Debt collection

My mother recently passed away on XX/XX/23. On XX/XX/XXXX, I received the letters of administration & forwarded them to my mom 's banker same day and told her I wanted to pay off her XXXX credit card immediately which was due XXXX. Instead of replying in a timely fashion while still holding my mother 's accounts closed, XXXX turned the account over to SIMMS collection agency! They called me from a scrambled number and insisted I owed them and XXXX was their client. When I checked with XXXX XXXX at XXXX she said I had to pay them. As soon as she released my mother 's funds, I opened an estate account and paid all my mother 's bills. I sent a check to SIMMS and they refused to cash it. After 7 days I called them and they scoffed at the starter checks that every other creditor had cashed, and told me I could not sign the checks " The Estate of XXXX XXXX XXXX '' which is how the bank told me to sign the checks. They refused to deposit the check! and then extracted personal information from me in a very sleazy way, insisting they want to make an ACH withdrawal from the estate account now. I am not comfortable with this coercion and I am dumbfounded that they refuse to cash the check, and have the nerve how to tell me to sign it. I am only trying to pay the bill off in full!
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX  XXXX through CFPB Account # XXXX for not reporting on my credit reports as an ( Authorized User ) on Acct # XXXX. XXXX XXXX responded back stating that they have requested XXXX and XXXX to report the account in which they have done BUT STILL ISN'T REPORTING THE CREDIT AGE OF 13YRS. I have the right to have the age reported by law in which I am intitled under the FCRA ACT.. 
XXXX XXXX XXXX are " ONLY '' reporting my XXXX XXXX Account & credit age of 3yrs. 
Transunion isn't reporting the account AT ALL.. Which was disputed THROUGH AGAIN CFPB # XXXX to add acct # XXXX to my credit report but instead of adding the account it was DELETED during the dispute WHY?. 
XXXX XXXX sent back a letter ON XXXX XXXX stating that they asked TransUnion to add my account back as a Authorize User on my credit report which Transunion stated that I was ineligible & refused. 
XXXX XXXX stated that I needed also for the primary card holder to contact them about the account add in which my son XXXX XXXX did and upgraded my permissions. XXXX XXXX stated as well that I would have to contact Transunion and update them on what's going on. 
I then called TransUnion about the decision that they stated to XXXX XXXX I spoke with XXXX from the dispute department, reading to her the notification email in which I received from XXXX XXXX about the account add. XXXX stated that the complaint would be expedited to their maintenance department for reinstatement because I never disputed for a removal if you read the dispute. I ONLY asked for an update. I spoke with XXXX on XX/XX/24 she said it will take 3 days for the maintenance department to contact me back on this matter for reinstatement.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a payment through PayPal in the amount of {$250.00}. According to PayPal 's email ( attached ), I could instantly transfer these funds to my bank via debit card for a 1 % fee. In the PayPal application, the actual fee is 1.5 % and not the stated 1 % in the email. PayPal provided false advertising of fees.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Debt collection

received voicemail from Direct Recovery Services LLC. The number called from was XXXX. " Hello this is XXXX XXXX calling. My office has spent enough time and resources trying to reach you already. It's definitely in your best interest to return this call immediately to resolve your matter voluntarily. Our number is XXXX. '' Call received at XXXX on Tuesday XX/XX/2020. I don't owe any debt. This is their first attempt to contact me.
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX account XXXX and also reached out to Equifax about my concerns about the following account which is XXXX XXXX account XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 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 an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Vehicle loan or lease

bought the car XX/XX/XXXX from XXXX XXXX XXXX XXXX first payment was to be XX/XX/XXXX. 
GM Financial reported to credit bureaus first payment was late and due XXXX. 
then they continued to call XXXX times a week and every month XX/XX/XXXX was when i requested a payment history and found that i had multiple payments made that had not been posted. 
I contacted GM Financial and provided them with XXXX payments that had not been applied to my account. they requested i send copies of conformation of payments made in an email. I scanned in all documents and sent the email to the address they provided. 
XX/XX/XXXX i received mail from GM Financial stating they are starting the process of reposing of the car. it was at that time i called to find out about the missing payments and what we need to do. they said i would have to refinance the car and they sent me paperwork at that time via email and told me to sign paperwork and said i would not have to worry about them calling me every day and my payment would not have to be made at that time for the rest of the month. 
i have been calling to find out why payments are missing but never get this issue resolved. i have submitted documentation multiple times and I am never contacted after providing everything requested. 
I had made arrangements with the auto dealership that after 1 year I could bring in the car and trade it in for a more suitable one but only after my credit was established. 
i was unable to fallow threw with the arrangements due to GM Financial reporting that I am behind on payments. 
This had been an inconvenience for our family. 
we have had to rent vehicles to continue with the responsibilities and obligations. 
I reviewed my credit report and found why I was not able to trade in the car for a more suitable vehicle for my family as scheduled at the time of purchase. 
as of today, i have not heard from GM Financial regarding any proof of payments I emailed in at their request. 
as of this year, my credit reports now reflect that i was never behind on payments and reflect all payments were made. 
THAT DOES NOT HELP ME NOW BECAUSE OF THE FALSE REPORTS ON MY CREDIT REPORT THEY CAUSED OUR FAMILY THE DENIAL OF A MORGAGE AND CAUSED LOSS OF INCOME BECAUSE I DO NOT HAVE THE MEANS OF HAULING A COOKER THAT IS USED TO RAISE MONEY FOR NON-PROFIT ORGANAZATIONS WITHIN THE COMMUNITY. 
I will upload supporting documents at a later date
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this description on consumerfinance.gov
Product: Debt collection

I XXXX : XXXX /agent to the principal did not authorize anyone from XXXX to collect on any debt pertaining to my principal in accordance with 15 usc 1681 b they will not stop trying to collect on said debt
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, my name is XXXX and ive first noticed a problem XXXX XXXX my car was broken into at a gas station where I had an envelope of all my personal information because I was on my way to an interview and they stole everything. my social card, my i.d my diplomas, basically everything I had now I'm lost and I don't know what's going on. I'm writing to guys to have all the listed accounts deleted from my file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I already reported the theft of my identity to the federal trade commission and I'm able to show copies. please! delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Product: Credit reporting

XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.