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

This is XXXX XXXX and I am submitting this XXXX Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Credence Resource Management , LLC.

I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX  sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM XXXX, EQUIFAX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}
Product: Checking or savings account

I am having difficulty with this company 's customer service. Each time I call the message states the hours of operation from XXXX XXXX Central tine ; however the following msg states they ate closed. This has happened for 3 conscutive days. My concern is with a bank being closed during the business hours they claim to be open? I would like to close my account
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I personally went to the XXXX XXXX of Missouri courthouse and requested a document stating that the courts do not report to third party credit bureaus. On XX/XX/2023 I received a response from the court stating that they do not report bankruptcy to anyone. So if that's the case how did the credit bureaus verify my bankruptcy is 100 % accurate? They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 State the terms investigative consumer report means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such of the information. However, such information shall not include specific information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor or a consumer or the consumer. 

They have also violated my rights numerous of times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to USC 1681 section 6028 States I have the right to privacy.

According to 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 a person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The collection with XXXX XXXX XXXX was disputed several times in XXXX XXXX and nothing has been resolved. I do not have any accounts with XXXX XXXX, in owing the amount of XXXX nor did i ever have an open balance with them in the amount of XXXX nor have I ever received the requested copy of the original debt contract with my signatures nor have i received any written correspondence from this XXXX XXXX XXXX showing me an original signed contract or debt i currently owed with them. As per 15 U.s.c 168 Equifax and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items with in 30 days. Furthermore, under 15 u.s.c any information found to be in accurate, incomplete or unverifiable must be promptly deleted. I am requesting this be removed immediately.
Product: Credit reporting or other personal consumer reports

After looking over my credit report and notifing theCredit bureaus of unaurthorize inquires on my report I contacted XXXX, TransUnion and XXXX. I explained that these inquires were not of my knowledge, nor doing and ask to have removed. Bureaus did not help with my situation. After learning that some companies practice bad financial practices by running crdeit multiple time through multiple channels, and without the consent from me, a consumer endures significant damages to their credit. Under the FCRA 15 U.S.C. 1681 there should be not be any damages on your credit report. It's a defamation to your character.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

In XXXX, my mortgage was taken over by M & T bank. The mortgage bills comes from XXXX. I have paid each month by on-line banking. The address for XXXX according to the bill is XXXX XXXX XXXX XXXX, Texas. For three years, I have never been late on a payment and have always rounded up on my payments. Everything was worked will until XXXX, XXXX. I received a notice in XXXX that said I had not paid my mortgage for the last two months. I looked on line and I had paid both XXXX and XXXX payments. I contacted my bank, XXXX  XXXX XXXX and asked why payments had not gone through and they verified that payment was sent to the address above on XXXX and XXXX. I contacted M & T Bank and they responded they had not sent it. I verified the address which is on the bill and I was told that was not the address it should be sent to. Instead it should be sent to XXXX XXXX XXXX, XXXX, MD. When I looked at the bill, the tear off portion of the bill had the XXXX address. When I told him the bank had sent the payments to the previous address, the customer service rep said something to the fact I don't know but it's the wrong address. XXXX XXXX XXXXXXXX also sent a letter to M & T Bank explaining the process of the payment to the XXXX address. 

Another payment of {$2200.00} was sent on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter saying that my payment was delinquent and I owed XXXX {$1000.00} and XXXX {$1000.00} plus my current month of {$1000.00}. 

Since there was confusion with my on-line banking I wrote a check on XX/XX/XXXX for {$2200.00} which was cashed by M & T Bank on XX/XX/XXXX and I wrote another check on XX/XX/XXXX for {$1100.00} which was cashed by M & T Bank on XX/XX/XXXX. According to the bank I owed a total of {$3200.00} with late fees which I never was late. I paid a total of {$3300.00}. 

On XXXX, I received a letter from M & T Bank saying I had defaulted on my loan. However, I am in total disagreement and have paid. I'm not sure why the previous three years there were no issues and now they can't receive my payments, even after they have cashed the checks.
Product: Checking or savings account

I have been charged many times for an overdraft on my account. In the past I haven't had enough proof to actually do much about BB & T charging me these fees due to the fact that when I called to correct the problem my app was showing different information then it had prior. This time I was smart enough to take a screenshot on my phone showing dates and times along with emails to prove that BB & T is taking full advantage of its lower income/class customers! Daily processing occurs over night and all accounts are updated with first deposits and then deductions. Well that's at least what BB & T clams. During daily processing last night I was charged a {$36.00} overdraft fee. That's really not a lot of money but at a time like this that's the difference of my water getting shut off or not so it's a lot of money to me and my family. My account was definitely running low. I will not deny that. It's been extremely hard for me to keep my family 's heads above water. At XXXX XXXX I received an email from BB & T that stated my account was negative {$35.00} after daily processing. That in itself would mean that my account was XXXX cents in the positive and was still charged a XXXX dollar overdraft fee. Please tell me how that is possible let alone ethical? I really wish that I had proof of the multiple times that this has happened in the past but sadly I do not. BB & T is one of the most unethical banks I have ever encountered. And I know that I am not the only customer that this is happening to. Please do something about this! At a time in American history when there are already so many American 's struggling to keep a roof over their head and food in their mouths the last thing we should have to worry about is a greedy bank stealing the last few cents of our hard earned money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with Fair Credit Reporting act XXXX Account XXXX XXXX and 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I review my credit report regularly, but this time there were unexpected discrepancies. At first, I thought it might be a browser glitch and refreshed the page, but nothing changed. The inaccurate accounts persisted even after refreshing, which is incredibly frustrating. I just want the documents Ive submitted to be thoroughly reviewed, so I never have to deal with this again.
Product: Mortgage

I have had my mortgage with Wells Fargo since XX/XX/XXXX. I have paid my mortgage with bill pay since inception. As of my XX/XX/XXXX payment in XX/XX/XXXX,  Wells Fargo began charging me a late late fees because they claimed I did n't pay my XX/XX/XXXX payment. 

I received a phone call for the first time on this matter on XX/XX/XXXX from a collector who claimed I am past due and owe over {$400.00} in late fees. 

Upon inspection of my payment history, I was able to prove that they posted 2 payments from XXXX XXXX on my account in XX/XX/XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX.  They then claimed that the applied the 2nd payment as a principal only payment because it was the 2nd payment I made that month and it was before XX/XX/XXXX. 

I then proved that this same situation occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and yet they did n't apply those payments a principal only. 

They then told me that I had to wait 24-48 hour that someone would acknowledge that they have opened a case for me. They made no commitment as to when the issue would be resolved even though they agreed I proved I made all my payments. 

They did agree to put a hold on all collection calls while they fix the issue. I now have to wait 24 to 48 hours for someone to call me back and then tell me how long it will take them after that call to finish researching and fixing my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz Financial Account is being reported inaccurately. It is current.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Mortgage

We have tried with our best efforts to communicat e to Nation Star our current mortgage is to high ( 6.68 % ) in interest alone and this resulted in a higher payment. Nation Star  has responded to this by explaining why its higher and that our income does not have any affect on the modification that was approved, however we rejected the modification and we are reques ting Nation Star consider a second offer of modification with new information submitted. We have consulted with two hou sing counselors (  XXXX  and  XXXX   XXXX   XXXX   ) both  stated we need to reject and resubmit the new information which included our obligation to pay past due s Home Owners Association dues  which was not address when we were in bankruptcy. The BK XXXX  has been completed and discharge. We are now obligated to pay {$4800.00} balance as well as replace an existing vehicle for my husband to continue to work his fu lltime job. Nations Star is now in the process of changing its name, we do not want to be stuck in a cycle and ignore while this company attempts to change its image.
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time credit manager to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX is not relating to any transaction by myself, XXXX XXXX and XXXX are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and Experian and XXXX refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have a collection from nca collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested nca to remove off my credit report. Which it was remove from XXXX  and XXXX. But XXXX has not removed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlights 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 tracking these transactions was infeasible. The CFPB findings indicate that Zelle had not only neglected to protect consumers but had allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

CC : XXXX XXXXXXXX XXXX Fraudulent Client Account # XXXX XXXX Account # XXXX Fraudulent Claimed Amount {$520.00} First and foremost, XXXX XXXX XXXX  XXXX have no federal, state and chartered authority to request Personal Identifiable Information ( PII ) from any U.S. consumer such as my SSN, DOB, Drivers License, as such.

If you can not be trusted in small matters { i.e., utility bills ) ; who will trust you ; or debt collection firm in large matters. { i.e., Privacy laws } * The Privacy Act of 1974, as amended, 5 U.S.C. 552a As a any prudent U.S. citizen do, XXXX XXXX XXXX XXXX completed a annual credit check ; to preserve & protect my identity and good name. A debt collection company named " XXXXXXXX XXXX XXXX, located in XXXX, Washington, falsely claimed that XXXX XXXX XXXX owned & owed some commercial property in the state of Georgia ; as well as, XXXX XXXX had a utility account with the XXXX XXXXXXXX XXXX.