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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$540.00}
Product: Debt collection

XXXX XXXX XXXX is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from XXXX XXXX XXXX. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, XXXX, Equifax and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline XXXX XXXX  be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate.
Product: Credit reporting 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. 

US BKPT CT XXXX XXXX XXXX, US BKPT CT 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 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from Experian stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I can't access my account because I no longer have access to the phone number or XXXX.I need to change it
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding sales, handling the dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times reporting discrepancies my financial institution in Zelle failed to instigate my claims adequately. They informed me that recovering loss funds was impossible and tracking these transactions was and feasible, the CFPB finding indicate that Zelle has not neglected to protect consumers, but has also allow repeat offenders to exploit the system leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

This is now the 4th Complaint in a series of complaints hoping to resolve this matter that is over 100 days old. 
Please see the prior complaints : XXXX XXXX XXXX According to the USBank response to complaint XXXX, I had not sent the Affidavit of Unauthorized Paper Debit form, that the bank requested that I prepare and submit. I submitted it on XX/XX/2023 and then again today ( XX/XX/2023 ), to the email address provided : XXXX I continue to get zero satisfaction with these complaints and only responses indicating " We appreciate that you have chosen us as you banking partner... blah, blah, blah ''. 
I want my over payment addressed timely and thoroughly. I do not believe that to be an unreasonable request. Either I am being given the run around or this is truly one of the most incompetent organizations or at least complaints processes ever. I challenge USBank to do better. I am starting to think that I need to elevate this concern to the OCC and of FRB, and if that is not enough, getting a lawyer and initiate legal proceedings to address this matter. I have wasted so much time trying to resolve this issue ( phone calls, visit to the bank, and now filing these complaints ), but it is now the principle of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my XXXX credit report from the same company less than 30 days apart. one inquiry is on XX/XX/2022 and the other is XX/XX/2022. They are both from Citibank. I have no knowledge of these inquiries and I did not authorize for my credit reports to be used for this company. These are fradulent inquiries.
Product: Checking or savings account

I have filed a legal action and documents are attached explaining the situation in detail. 
The complaint is against both Wells Fargo for violations of Regulation E and against XXXX XXXX rental.
Product: Credit reporting or other personal consumer reports

Names and addresses do not belong to me Potential identity mixing Risk of fraudulent reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OHXXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im requesting that my information be removed as there has been way too many breaches within the three credit bureaus and my information is neither protected or is not available to me the consumer and I dont feel comfortable or safe
Product: Debt collection

so I noticed this company on my credit report Jefferson capital system and found out it was for XXXX I never had a XXXX  account in my name I always had a phone line with my wife for many years so I never needed to opened my own line so this account that has been opened in my name isn't my account I was informed to send in a debt validation letter to fix my credit due to buying a house so my credit needed to be clean and this is defaming my character I sent in my letter XX/XX/year> certified mail and I got a letter back that it was verified and the only thing shown on there was their letter head and a statement showing with payment due that's all it showing nothing else I wanted to know where this account came from because it was not mines I want this to be removed from my credit report
Product: Credit card

Capital One Bank ( USA ) , N.A . ( " the Bank '' ) is engaging in unfair, deceptive, abusive acts and practices by violating my rights under the account holder agreement for my Capital One Visa Platinum account. I recently relocated to a new state and updated my billing information with the Bank. Apparently this modification triggered a fraud alert in their system, which prevents me from accessing any account information ; information I need to remit payments and review ( 1 ) my balance, ( 2 ) account activity, including debits and credits, and ( 3 ) a copy of my rights under the account holder agreement. At the encouragement of the Bank, I foolishly enrolled in online statements, I do n't receive paper statements regularly. As a result, this system that is now prohibiting my access is my only source of this data. 

While I am not particularly concerned about ever using this account to make purchases again, I believe that Capital One is violating a number of consumer protection laws by not sharing my current balance or transaction data with me until I produce an onerous amount of documentation to prove who I am ( apparently the multiple telephone identity verification processes and desire to pay my bill are not sufficient proof of who I am ). The Bank does not have the authority to make such a demand or, if they do, I would n't know because I am unable to access a copy of my account holder agreement to review my rights. 

A large bank like Capital One should know that there are many identity verification services such as XXXX XXXX or even the USPS change of address system that would provide ample proof to the Bank of who I am and that I relocated. 

This action may be pervasive and affecting consumers at large. I encourage the CFPB to issue a Civil Investigatory Demand ( CID ) to the Bank to determine whether or not this is a widespread issue. This fraud block prevents a consumer from accessing information needed in order to pay their bill, potentially causing severe harm to consumers. I believe that this demonstrates, at best, willful neglect on the part of Capital One Bank who would certainly continue to charge additional interest and late penalties, furnish data to credit reporting agencies or charge off this account should I fail to remit regular payment on this account. 

Other, more responsible financial institutions, have implemented effective alternative methods to ensure that accounts with suspected fraudulent activity do not incur additional charges while still allowing the account holder to access relevant data about their account. 

I was able to obtain an unverified total current balance from the fraud manager who I spoke with after I was told it was a violation of their policy/procedure to provide this information to me. I have remitted a payment for this full amount to the Bank, although I have not had an opportunity to review the transactions which make up this balance.
Product: Credit reporting or other personal consumer reports

Original issue : Wakefield & Associates sent me a bill for over $ XXXX for a simple one way ambulance trip to the local hospital. I provided the original service ( XXXX ) with my active XXXX  insurance details at the time, as well as upon receipt of the first bill. XXXX sold this to collection agency Wakefield. Wakefield continued to bill me directly and never attempted to collect from my insurance company, despite multiple communications from me providing the insurance information. Wakefield also calls me multiple time a week, despite a request for no contact. 

Medical debt : this is medical debt which I have disputed being on my credit report with XXXX. I was financially in poverty at the time and receiving government benefits. XXXX quickly " investigated '' and failed to remove the account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Student loan

I would like to register a compliant about a company by the name of Navient. Navient is the servicer of my son 's student loan on which I had cosigned. He attended the California XXXX XXXX in XXXX XXXX. 
XX/XX/XXXX, I was getting numerous phone calls from Navient because my son was in arrears with payments. I learned that he had not made a payment since XXXX XXXX and when I finally got in touch with him, he informed me that he was no longer going to make any payments on this loan. To get a handle on the situation, I contacted Navient to get information on what I was responsible for going forward. I asked for a copy of the original paperwork along with payment history. I received a letter dated XXXX/XXXX/XXXX with XXXX papers enclosed. XXXX was a promissory note dated XXXX/XXXX/XXXX with my signature as " Parent Borrower ''. The other was a paper titled " Notice of Loan Guarantee and Disclosure Statement for Federal Plus Loan Disclosed as of XXXX/XXXX/XXXX ''. This disclosure notice gave a variety of information on the loan along with the amount of {$24000.00}. My signature was not on this disclosure form. I contacted Navient again in XXXX to get the payment history that I had wanted and they set me a cover letter with the original loan amount of {$50000.00} and a principal of {$77000.00}. The current loan amount is listed as {$79.00}, XXXX after accrued interest of {$1400.00}. 
I do not have any document with my signature on it with any correlating loan amounts. I do not have any information as to how these amounts were derived. The records they have provided do not demonstrate that I agreed to any specific loan amounts. It appears that I have fallen victim to Navient for their unfair, deceptive, or abusive acts and practices ( UDAAP ). This violates federal regulation and should be investigated. 
This presents a substantial burden on me at this time as I am retired and living on a fixed income. Can you please look into this to see if you can provide me with any type of relief?
Product: Credit card

On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.
Product: Credit reporting or other personal consumer reports

I filed a report with the FTC last month due to identity theft. Ive had someone apply for credit multiple times across all bureaus. XXXX and XXXX immediately blocked the reported unauthorized activity and accounts. Equifax has decided to not follow the FCRA reporting guidelines regarding identity theft. I have opened multiple disputes and provided every piece of information required by the FCRA regarding identity theft and they still keep denying the disputes and keep giving irrelevant answers as to why. Ive attempted online, mail, and phone calls. I have yet to figure out why they think they are exempt from following consumer law. Apparently Equifax thinks these laws do not apply to them.
Product: Money transfer, virtual currency, or money service

The amount were XXXX usd by XXXX  on Monday XX/XX/2022 Chase bank did not offer anything to help as they state the only I can do is contact the scammer to refund the money back
Product: Credit reporting or other personal consumer reports

XXXX closed the account with Fortiva on XXXX XXXX XXXX, due to the deceitfulness of XXXXXXXX XXXX account terms. I contacted Fortiva about this account and was informed that the account was closed. XXXX has scheduled to pick up all the equipment on XXXX XXXX XXXX, and not to worry about any issues with the closed accounts as I am currently in Bankruptcy. As a result, Fortiva has retaliated by negatively submitting erroneous credit disparaging information on my credit report. 

I request assistance to stop this harassment and clear up my credit report due to the fact, that I am in Bankruptcy, XXXX has informed me not to worry about my FORTIVA accounts have been closed with no adverse action and request that FORTIVA stop contacting me as well. 

Here 's the agreement between XXXX to cancel the accounts : On Tue, XXXX XXXX, 2024, at XXXX XXXX XXXX XXXX wrote : XXXX XXXX, Thank you for your response. I do want to apologize for the experience you have had with XXXX. XXXX offers the removal of the XXXX equipment for both services. Along with the removal of the equipment XXXX will provide cancellation of the remaining XXXX monitoring contracts and XXXX XXXX XXXX XXXX on both services. 

Please respond directly to this email to accept this offer and move forward. 

Thank you, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX corporate logo Request FORTIVA to delete the erroneous information on my credit report ASAP and stop contacting me as they charged me excessively. I am a XXXX XXXX  veteran and I am dealing with my XXXX XXXX  and on a fixed income. 
Respectfully, XXXX XXXX