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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.
Product: Vehicle loan or lease

XX/XX/2022 IVE SENT IN A BILLING ERROR IN THE MAIL CERTIFIED TO BE LOOKED OVER. I CONTINUED TO GET HARASSING CALLAS ABOUT PAYMENT UNTIL I MENTIONED THEY'RE VIOLATING FDCPA. They then said they will not contact me unless I ask to be contacted. IVE ASKED XXXX XXXX TO VALIDATE THE DEBT THAT THEY SAY I SO CALL OWE. I UPLOADED THESE DOCUMENTS TO THE XXXX As well She then sent the Same Documents from Here to the XXXX Mentioning a 1099a. WHEN I ASKED ABOUT MY BILLING ERROR That was sent and received XX/XX/2022. It is now XX/XX/XXXX and you all still have not acknowledged my billing error because you all know yall violated TILA & MY RIGHTS AS A CONSUMER AND THE FDCRA, FDCPA. I also SENT A CEASE AND DESIST AND GOT ALL DOCUMENTS NOTARIZED YOU ALL RECEIVED THIS ON XX/XX/2022. I ALSO SENT NOTICE TO THE ATTORNEY GENERAL AND XXXX. SO SEND ALL MY DOCUMENTS THAT I WANT. VALIDATION OF DEBT SHOW THE ACCOUNTING LEDGER NOT STATEMENTS THAT DOESN'T SHOW ANYTHING. SHOW ME ALL CONTRACTS WITH ALL SIGNATURES. MY CONTRACT IS NULL AND VOID DUE TO NON DISCLOSURE OF TILA AS WELL AS IT WAS NULL WHEN THE BANK DIDN'T GIVE ME CASH IN HAND. WHERE DID I SIGN MY SIGNATURE WITH THE BANK? SHOW ME MY SIGNATURE I SOGNED WITH THE TITLE COMPANY AS WELL AND WITH THE NOTARY. THEIR SUPPOSED TO BE 2 WITNESSES AS WELL. You ALL FORGED MY SIGNATURE ON 2/3 CONTRACTS. YALL BROKE THE CONTRACT, UNDER 12 C.F.R 226.23 RIGHT OF RECESSION. MY CAR INSURANCE ISNT INCLUDED IN MY CAR NOT ( 1 ) VIOLATION XXXX XXXX YOU DIDN'T DISCLOSE THE TILA AS WELL AS THE FINANCE CHARGE 15USC 1605 SUM OF ALL CHARGES ( 2 ) VIOLATION XXXX XXXX CONSUMER CREDIT TRANSACTION IS CASH IN HAND ( 3 ) VIOLATION XXXX XXXX IM REVOKING MY SIGNATURE. MY SIGNATURE IS NO LONGER VOID.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My address is XXXX, XXXX XXXX, XXXX PA XXXX. Email address is : XXXXXXXX XXXX XXXX XXXXXXXX my complaint is about financial company calls : XXXX XXXX XXXX. The located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX number is XXXX. Ok I was pulling my credit report last month and I found them on my report as timeshare loan and I owe them XXXX XXXX I dont know anything about this loan and I never ever made any business with this company they never even send a bill to my house I tried to contact them 10000 of time they never answer I wrote them. They never respond back. Plz I need help I need this out of my credit report. Thank you
Product: Debt collection

This was not sent in erroXXXX XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A Section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX. XXXX. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 card or prepaid card

During XXXX 2018, I attempted to buy some presents using my credit card. Capital One for some reason thought there was some fraudulent activity going on and blocked my card. I called them and asked them to remove this and they " did so ''. Turns out the employee decided he wanted to just XXXX with me because they instead escalated their internal fraud alerts on my account and then requested me send ridiculous amounts of documentation to " prove my identity ''. I refused and closed my balance XXXX money they gladly accepted from me without any proof of identity ) and then closed my account. 

Now they just applied a chargeback to a charge I disputed in XXXX. I was not notified of this charge because their internal policy requires that I send ALL documentation they requested from me before they " unrestrict '' my account. I was only notified today ( surprise, more inconsistencies in their system XXXX because of a late payment fee that was applied to my account. So they don't notify me of this charge that was inappropriately applied to my account because of this internal policy but they have no problem notifying me after I receive a late payment fee. 

Now my credit report has been damaged by this because of their ridiculous internal policies that do not protect anyone from fraud and makes XXXX sense. And they refuse to talk about my account until I remove the " Restricted '' status which means I have to send them documents such as a SIGNED SOCIAL SECURITY CARD ( absolutely ridiculous ), a copy of my driver 's license, and other forms of PII. Now I also owe them XXXX which I should not have to pay. 

No relevant documents at this time. If you require anything, please send correspondence for said documents. 

** On the next page, it requested my card number for Capital One. My card was destroyed after I closed my account so I don't have access to the card anymore and I don't remember the card number. Instead, I put in my CapitalOne360 username that I use for online banking.
Product: Checking or savings account

I am writing to express my concerns regarding a recent transaction dispute with Wells Fargo. Initially, I filed the dispute under the reason " Didn't receive my goods or services, '' which I believed to be accurate at the time. Upon realizing that this was incorrect, I promptly contacted the customer service department to have the reason changed. The representative I spoke with assured me that the claim would be updated to reflect " Returned merchandise but didn't receive credit. '' Throughout the claims process, I operated under the assumption that the dispute had been updated as requested. However, after over a month, I received notice that my claim was declined. When I inquired further, I was informed that the merchant had provided proof of delivery, which led to the closure of the dispute. 

I attempted to clarify that I had requested a change in the dispute reason, but it had never been updated. Unfortunately, I was told that the original reason for the claim could not be amended, and as a result, there was nothing further that could be done. 

The denial of my claim is due to the initial incorrect filing, and despite my efforts to have it corrected, the issue was not resolved. Had the dispute reason been properly updated to " Returned merchandise but didn't receive credit, '' I would have been able to provide return tracking numbers to support my claim and ensure a successful outcome. 

I believe the failure to update the claim reason has unfairly impacted the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I called Captiol One customer service numerous times over a 2 month period and I already submitted a claim to you which is claim number XXXX. 
Since they seem unable to figure out my balance I have included a spreadsheet of all the purchases and all the payments. I also included a print out from XXXX XXXX which statements the money remitted on my behalf to Captiol One. As you can see from this information I have credit balances on both accounts.
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by XXXX XXXX and Transunion. Under consumer law code 1681e a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.
Product: Mortgage

I requested a break down of the fees which are considered arrears from Ocwen XXXX totaling {$9300.00}. After receiving break down ledger it indicated there were double amounts of charges for " property Valuation expense charges. '' Example of those charges billed were {$320.00} and property inspection fee of {$10.00}. They were charged sometimes twice a month. HUD was involved and in XX/XX/XXXX the Ocwen became the lien holder with starting out over {$10000.00} in fees. After requesting for modification that went through after drop in income, what was a fixed loan became a balloon at the end of the maturity requesting collection of the balance of the loan over {$40000.00}. I asked why ca n't we just do the lower interest because now I am working with a better income and not require this " balloon, '' during the time of the trial period, my answer was it 's better for you. They continue to add 10 years again on to the loan, which I do n't understand, it was mature at XX/XX/XXXX now I was told today it is XX/XX/XXXX. No correspondence was sent to me of this change.
Product: Mortgage

Clearsprings Loan Servicing, Did A Loan Modification due to a personal financial hardship. I made my 6 Loan Mod payments from XXXX 2015 thru XXXX 2015. And then I continued to make on time payments. 
On XXXX of 2015 Clearsprings Loan Servicing, Transferred servicing to XXXX XXXX XXXX. They transferred the loan with a Escrow deficit of {$750.00}. The loan mod should have brought all elements of the loan current. Now, Clearsprings Loan Servicing, is doubling my escrow payment adding a financial burden to my loan payment. 
Clearsprings Loan Servicing should be is responsible for correcting their error.
Product: Payday loan, title loan, personal loan, or advance loan

I repeatdley asked for detailed accounting of withdrawal from my account XXXX starting XX/XX/year> until account no. XXXX. and all documents including the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were never done by me.. but a result of identity theft. 

XXXX - XXXX XXXX- XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a closed-end installment contract account from World Finance in XXXX, GA dated XX/XX/2021, which I signed. The original loan amount was {$900.00}, with a finance charge of {$240.00}, which equals {$1100.00}. However, I only received {$680.00} out of the {$900.00} loan on my debit card. This means that someone else received the remaining amount of {$220.00}. I would like to know who. 

I am confused as to why I only received a partial payment of {$680.00}, and still have to repay a loan World Finance Company financed in the amount of {$900.00}. The loan was reported as a past-due balance owed in the amount of {$900.00}, by the creditor World Finance XXXX XXXX , and reported collection past-due balance of {$1100.00} by XXXX XXXX XXXX XXXX on my credit report at the same time. The loan was reported as past due and sold to XXXX XXXX XXXX XXXX but the reported balances ( {$900.00} and {$1100.00} ) are inaccurate. 

The loan amount of {$900.00} plus the finance charge of {$240.00} does equal {$1100.00}, but since I only received {$680.00}, the reported amount is past-due owed is incorrect. In summary, my loan was only financed for {$680.00} which I received on my debit card from World Finance XXXX XXXX XXXX, not {$900.00}, and the reported balance of {$900.00} reporting inaccurate past due balance owed on my XXXX credit report is inaccurate. The correct balance past due owed is {$680.00}, which I received out of the financed loan of {$900.00}.
Product: Consumer Loan

Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove personal statement ( s ) :XXXX & XXXX18 XXXX ID FRAUD VICTIM 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 CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX18.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 capital one auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote XXXX XXXX XXXX a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under us 1681 ( b ) a person shall not use or use a consumer report for any purpose unless-the consumer report is obtained for the purpose for which the consumer is authorized to be furnished under section ( 2 ) the purpose is certified in accordance to section 1681 ... I have e not initiated an account with capital one auto finance
Product: Mortgage

Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I was trying to purchase a video game system on XXXX  and I got scammed for like XXXX $ on Coinbase and my bank ( XXXX XXXX ) told me they cant do anything about it and neither can Coinbase, so I just dont know what to do, that was a lot of money for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a complaint against Equifax ( CRA ) for alleged violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the Code of Federal Regulations ( CFR ). The credit bureau has failed to provide me with sufficient documentation to verify the debt they claim I owe, XXXX ( additional dates and account information was added with this complaint please review ) despite repeated requests. 

This non-compliance violates FCRA 611 ( b ) ( 7 ) and ( 8 ) by failing to furnish me with any documentation that bears my signature to confirm the debt.

Additionally, they have failed to provide me with a copy of the original creditor 's documentation, as required by FCRA 611 ( b ) ( 2 ), to confirm the accuracy of the information being reported. Moreover, the credit bureau has failed to provide the method of verification as required by FCRA 611 ( b ) ( 2 ) to ensure the accuracy of the information being reported.

Due to their failure to provide the necessary documentation, the credit bureau has reported incorrect and inaccurate information to credit reporting agencies, which has had a significant impact on my credit profile and report. This violation of FCRA 611 ( a ) and ( b ) has caused me harm and inconvenience. Furthermore, I have also reported several complaints about the credit bureau inaccurately displaying addresses that I have never lived at on my credit profile.

I request that the CFPB investigates this matter and takes appropriate action against the credit bureau, including deletion of all unverifiable information and fair compensation for the harm and inconvenience caused to me, as outlined in FCRA 616 and 617.

Please note that the definition of " verification '' as used in the FCRA and provided in Black 's Law Dictionary is : " The process of establishing the truth, accuracy, or reality of something through examination or authentication. '' Thank you for considering my complaint.

Sincerely,
Product: Debt collection

Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.