23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

company - Capital One financial date started - XX/XX/2020 date reported - XX/XX/2020 Loan Amount - {$2000.00} Reason - auto repair person spoke to - XXXX phone # - XXXX On XX/XX/2020 I applied to get a loan cause im a delivery driver and my cars beat up and needs some fixing. On XX/XX/2020 I received a call from these people saying I was approved up to {$10000.00}. First thing I got suspicious about was they needed my bank login information to attempt a mobile deposit which my bank found fraudulent and fixing that situation now. When I first got the loan approved they said I didnt have enough credit history which is true under my end but they said they would move on and let my credit history build up from some type of program. so I didnt even get the loan to start and to build that credit I needed to pay them back and they mobile deposited a small fee into my bank account. After this happend today XX/XX/2020 they told me at XXXX this morning to go to a XXXX XXXX  and buy a XXXX XXXX gift card in the amount of XXXX $ which was not optional cause they said they would red flag my social security if I didnt do it. Now im sitting here with no loan a huge scam and I spent XXXX on something that I coudlnt control and no loan. So now im broke caue they emptied my pocket of money and took it for a joy ride with gift cards.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are well aware, Equifax has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full compliance with federal regulations in handling my dispute. Below are the accounts in question : XXXX XXXXXXXX XXXX : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Equifax continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. XXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. Please be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Equifax fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. I trust that Equifax will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. 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 DELETED immediately. 

XXXX XXXX XXXX XXXX XX/XX/ XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
Product: Prepaid card

Funds from gift card were removed by unknown, unauthorized business. Wide spread fraud from XXXX Vanilla gift card. Many victims/victim groups all across social media. XXXX XXXX ( XXXX  ) tells customers they will receive replacement card or refund but does not come after repeated attempts. THIS PRODUCT NEEDS TO REMOVED FROM MARKET. I have saved emails from XXXX XXXX starting back in XXXX. XXXX XXXX  Dispute resolution XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024, I received a debt collection notice from XXXX XXXX, XXXX, regarding an alleged debt with XXXX XXXX. I promptly requested validation of the debt. XXXX XXXX, XXXX provided documentation, but it lacked crucial information to establish the validity of the debt. Specifically : 1. The provided documents did not include evidence of any economic transaction or service that would make me liable for this debt. 2. There was no signed document indicating my consent to a contractual agreement with XXXX XXXX 3. The documentation did not contain any identification that was used to verify my identity at the time the alleged contract was entered. I have no knowledge of this debt and did not enter into any agreement with XXXX XXXX. I believe this is a case of mistaken identity or fraudulent activity. Despite my dispute, XXXX XXXX XXXX XXXX continues to pursue collection activities. I am seeking assistance to have this matter investigated and to stop the collection attempts until valid proof of the debt is provided. This situation has caused unnecessary stress and potential damage to my credit rating. 
On XX/XX/2024, XXXX XXXX, XXXX responded : Dear XXXX XXXX, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. LVNV Funding LLC placed your XXXX XXXX  account in our office for collections on XX/XX/2024. On XX/XX/2024, we received your initial notice from the CFPB. We notified LVNV Funding LLC of your dispute and mailed the validation of charges for your review. In addition, we stopped collections on your account in our office at that time, preventing further contact from XXXX XXXX XXXX. Upon receipt of your most recent letter to the CFPB, we closed your account in our office and returned it to LVNV Funding LLC. XXXX XXXX XXXX has not and will not report this matter to the Credit reporting agencies. Should you wish to discuss the account further, please contact LVNV Funding LLC directly at XXXX. Sincerely, XXXX XXXX XXXX XXXX Department XXXX.
Product: Credit reporting or other personal consumer reports

Requested over a month ago via cerfied mail to XXXX XXXX XXXX to provide proof of this account since it is not mine.
Product: Debt collection

Complaint against Bell Title Agency and demand for Evidence of the payment to XXXX XXXX XXXX on my behalf. 

Dear CFPB, please find my complaint against XXXX XXXX XXXX and Bell Title Agency and my demand to produce me proof of wire transfer receipt to evidence Bell Titles payment to XXXX XXXX XXXX on my behalf, from my alleged loan with pretender Lender XXXX Mortgage. 

On XX/XX/XXXX I had a closing with Bell Title XXXX XXXX XXXX XXXX who was my closing agent. 

According to Bell Title agent XXXX XXXX, Bell Title allegedly received wire transfer from XXXX Mortgage as my loan and presumably made a payment on my behalf to the sellers alleged lender XXXX XXXX XXXX for his $ XXXX mortgage in XXXX. 

However, XXXX XXXX apparently has absolutely NO records or any proof of any money received from Bell Title or anyone else neither on XX/XX/XXXX or any other time. 

On XX/XX/XXXX XXXX XXXX team informed me that they received enough money sometime in XX/XX/XXXX (! ) but failed to identify when, who much and from whom XXXX XXXX received these money. 

On XX/XX/XXXX XXXX XXXX team asked ME to provide them evidence of payment on my behalf! 

I can not provide them any evidence of payment on my behalf since it was allegedly made by Bell Title who refuse to provide me any evidence of receipts of wire transfer from XXXXXXXX XXXX  or any receipts of wire transfers from Bell Title to XXXX XXXX on XX/XX/XXXX or whenever Bell Title send these money to XXXX 

I demand Bell Title to provide me proof of receipt of payment on my behalf to XXXX XXXX XXXX, when exactly this payment was made ; who sent this payment to XXXX ; and how much money was sent. It must be a copy of wire transfer, or cashier '' s check or ACH ; and the warranty of payment by Bell Title 's responsible officer who made this payment. 

I demand XXXX XXXX XXXX to obtain proof of wire transfer ( ACH, cashier 's check ) receipt from Bell Title sent to XXXX on my behalf and provide me a copy of this receipt since Bell Title never provided it to me.
Product: Credit reporting or other personal consumer reports

Our family members have recently received several letters from various credit card agencies notifying us ( three family members in total, all have received similar letter ( s ) ). 
For example : XXXX XXXX letter dated XX/XX/XXXX to me regarding application for credit card ( and cash card ). 
Discover letter dated XX/XX/XXXX to me, similar. 
XXXX  XXXX letter dated XX/XX/XXXX to me, similar. 

I was able to contact XXXX XXXX and Discover and provide information and obtain some information back. 
When I contacted XXXX XXXX the representative stated they were not able to identify the application I was referencing based on my identification of the letter and request ID. Letter dated XX/XX/XXXX. 
Request ID : XXXX Our credit reporting agency accounts ( XXXX ) have been locked ( as far as we know ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I've been using Zelle for many years, and I'm concerned about the security of the platform. Despite my repeated reporting of discrepancies, my financial institution and Zelle failed to investigate my claims, informing me that any transaction was finalized and was out of their hands. This upset me, and I wish there were more they could do or more security measures were provided when using Zelle. I'm writing to express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. I hope I can finally be compensated for all the mishaps that occurred.
Product: Credit card

With my Chase credit card, I am unable to schedule automatic payments of anything but the total statement balance or the minimum. I also ca n't schedule payments past XXXX. It is extremely frustrating and ensures that the debt remains high since I ca n't pay off the total ammount at once.
Product: Checking or savings account

I received a settlement check from my lawyer and cashed it at chase on XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and the amount is available on my account but chase bank keep saying that they need the person who wrote the check to verify the check, whom Im not allowed to have any contact with due to the case and when they call the person ( defendant ) the number is coming up as error and I feel like this is unfair because I have the money available just not able to use it. The check is REAL and everything it is not a fake check, I done dropped checks on this account before, so why am I not able to use my money. Why is the money available but Im not able to access it. I feel like chase is being unfair and mishandling my money, I spoke to XXXX ( bank worker ) and told him it was a settlement check & he refused to talk to your lawyer.
Product: Debt collection

I was checking my account balance after XXXX and my account read XXXX  I knew i had at least XXXX  to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX  XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.
Product: Mortgage

Ocwen is using faulty information in the servicing of this mortgage loan. 

Ocwen has failed to deliver required foreclosure protections. 

I provided Ocwen with an Error on the mortgage loan. 

Ocwen has failed to properly respond to a Notice of Error and request for information. 

Ocwen has failed to properly acknowledge and investigate my complaint. 

I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.
Product: Credit card or prepaid card

Company has not reported to the credit bureau in 6 months. My balance has gone from {$300.00} to {$0.00} in that time.
Product: Debt collection

I reached out to the debt collector and requested Documation of contract and the debt does not belong to me and cease and desist until the matter is resolved and collection calls and letters are still arriving saying I better pay the debt or legal police action will take place
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX XXXX  XXXX Balance {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX {$440.00} XXXXXXXX XXXX XXXXXXXX XXXX  Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX  Balance {$930.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX  Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$56.00}
Product: Credit reporting or other personal consumer reports

Experian has complete False information on my credit report addresses phone numbers Spouse. They also had a Hard inquiry from chase on my report that was fraud on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under dispute Resident type Spouse or co-applicant XXXX  Under dispute Personal statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at ( XXXX ) XXXX so we may better assist you. 
Add personal statement Names For your protection, names are typically not disputable online. Please for assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX XXXX. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

XX/XX/2021 - I received a telephone call from a blocked number while at work. The message said that it was the Thomas debt collection company and that they have business with me. 

When I returned their call, I asked what debt they were calling about. To my knowledge, I do not have any outstanding debt. They refused to tell me who the debt was owed to or what it was owed for and requested a portion of SSN. I am not willing to give, even a portion, of my SSN to an unknown company. 

I asked why I have not received written notification of the debt or written notice of an attempt to collect. I asked to verify the address on the account. They would not verify it with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX  XXXX XXXX XX/XX/year>