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

This public record information is inaccurate so please review all the documents I've sent in regards to this.
Product: Money transfer, virtual currency, or money service

I have previously filed dispute # XXXX with the CFPB. I believe Wells Fargo will try to claim this is a duplicate dispute but it is not. My previous claim mentioned fraudulent charges that were made through the money wiring services of XXXX and XXXX via accounts set up in my name with information stolen from me by scammers. These wire transfers were sent to people I have no connection with in different countries. Wells Fargo only addressed and reimbursed me for the fraudulent charges made via the wire transfer service of XXXX. This dispute relates to the fraudulent charges sent through the wire transfer service of XXXX which were not reimbursed. The fraudulent wire transfers totaled to the amount of {$5900.00}. These wire transfers were sent on XX/XX/23 and XX/XX/23 to the recipients of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have this information because the XXXX account was set up in my name by scammers who stole my personal information and identity. I did not authorize these charges in any way. Wells Fargo should be reimbursing me for these fraudulent charges.
Product: Debt collection

I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}. 
Both billing statements received requested banking information to signup for ACH payments. 
I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans. 
This is a case of fraud!
Product: Money transfer, virtual currency, or money service

Despite using zelle multiple times and reporting discrepancies my financial institution zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises concerns for the safety of the consumers.
Product: Debt collection

On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit card or prepaid card

TImeline : XX/XX/XXXX - fradulent charge made to account XX/XX/XXXX - some fradulent charges cancelled XX/XX/XXXX - unresolved fradulent charge posted XX/XX/XXXX - fradulent charges cancelled XX/XX/XXXX - additional unresolved fradulent charge posted XXXX XXXX - fradulent charge still not resolved, impact to credit score due to late payment
Product: Checking or savings account

BMO sent letters to my husband and myself from their kyc know your customer department to verify information on the accounts. I called and verified my husband did not we did not understand we each needed to indepent of the other needed to confirm the same account info. BMO closed our accounts plus my father in laws who my husband is a signed on. No info on why has yet to be released the branch informed us this is happening to many other customers and they have no way to help us. We actually were bank of the west customers who got sucked in by acquisition.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute
Product: Debt collection

Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Credit usage 100 % Balance {$300.00} Balance updated XX/XX/2023 Credit limit {$300.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XXXX XXXX XXXX Account type Credit card Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/2023 Highest balance XXXX XXXX Monthly payment {$30.00} Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

P.S! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX  XXXX Balance : {$760.00} EDFED XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution
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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XX/XX/XXXX: It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXX/XX/XXXX : 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 XXXX years. 

XX/XX/XXXXA 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 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 card or prepaid card

I have a Comenity Capital account via XXXX & XXXX and my monthly payments are made automatically, but I occasionally make an extra payment. I have been trying to log in to make one of those extra payments for about a week, but can not access the site. I get an error message saying there is a glitch on their site, but it has been that way for at least a week. 

Occasionally I can get to a second screen, but that message is even worse because it says that my personal bank account is not linked to the Comenity account. Either that message is wrong or Comenity has severed the link themselves because I have been making automatic payments from that account for months. 

I am concerned because I can't make extra payments when I want to, because my regular payments may not be made in the future, and because this could all impact my credit score for reasons beyond my control.
Product: Credit reporting or other personal consumer reports

There is an account reporting on my XXXX report that is not supposed to be there. The account belongs to the primary account holder, not me. I am not the responsible party for this account. Please remove this account off of my XXXX report. 

XXXX showing a balance of {$8000.00}. 
XXXX reported was XX/XX/year> and is still reporting in my current XXXX report as of today, XX/XX/year>. 

I have attached a copy of the report and you can see the account on page 5 of the attached report. Please remove this account ASAP. 

Thank you.
Product: Debt collection

To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ date of communication ] in which you informed me that I owe a debt. I am requesting that you validate this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : -The name of the creditor to whom the debt is owed. 
-A copy of the original signed agreement or other documentation proving that I am legally obligated to pay the debt. 
-A detailed account history showing all payments, fees, interest, and charges applied to the debt. 
-A statement confirming that the debt collector is authorized to collect on behalf of the creditor. 

Please be advised that I am requesting this validation within the 30-day period prescribed by law. Until you provide this information, I dispute the debt and request that all collection activities cease. 

If you are unable to provide the requested validation, please remove any reference to this debt from my credit report and cease any further collection efforts. 

I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown hard inquiry on my transition XX/XX/2021 Ml XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against * for the unauthorized and inaccurate reporting of a collection account on my credit report. This account has been reported without my consent or proper validation, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Violation Unauthorized Reporting ( FCRA 15 U.S.C. 1681b ) : * failed to obtain my explicit written consent to report this account. Reporting consumer information without permissible purpose is a direct violation of the FCRA.

Inaccurate and Misleading Information ( FCRA 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure the maximum possible accuracy of reported information. The presence of this account, without validation, is inaccurate and misleading.

Failure to Validate the Debt ( FDCPA 15 U.S.C. 1692g ) : I have not been provided with adequate validation or itemization of the debt. Debt collectors are legally required to furnish proper documentation proving the validity of a debt upon request.

Prohibition of Misleading Practices ( FDCPA 15 U.S.C. 1692e ) : Reporting this account without proper validation or consent constitutes a deceptive and unfair practice under the FDCPA.

Failure to Investigate Disputes ( FCRA 15 U.S.C. 1681i ) : Despite disputing this account, no reasonable or timely investigation appears to have been conducted by the relevant credit reporting agencies or *, as required by law.
Product: Mortgage

I am seeking help getting NewRez to remove a false derogatory mark on my credit report. 

On XX/XX/year> my credit monitoring service notified me of a derogatory mark on my credit report from NewRez, the servicer of my mortgage. I called NewRez immediately and the phone agent advised there was an error in debiting at the beginning of XX/XX/year>. She found that debiting continued successfully in their automated system for XXXX, XXXX and XXXX, but somehow Newrezs system did not properly apply any payments to XXXX. She acknowledged this was odd and went ahead with debiting in the system manually. However, she said she was unable to correct the credit report since that system is automated and they aren't allowed to make corrections. 

NewRez never notified me about their debit error in XX/XX/year>. They never sent an email, never called, and never sent anything in the mail. I only found out because I pay for credit monitoring. This meant I had no way to know there was a problem until it was on my credit report. If I had been notified by NewRez, I would have submitted payment immediately. Plus they continued to debit so they could have corrected their error. 

After debiting for XX/XX/year>, the NewRez phone agent advised me to send a letter ( which I sent same day and is attached ) via the NewRez website requesting the credit report correction. She assured me I would receive a reply within 3-5 days. I also sent the letter via USPS as they advise on their website. It has now been 44 days and no reply. 

This has taken XXXX points off of my credit score and NewRez has not done anything to fix their error. I have never had a missed payment before and I am very frustrated that NewRez have done nothing to correct their error.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed Account below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 US DEPT OF EDXXXX XXXX Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the Equifax data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX Credit Report showing 30 days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just 7 days past the due date ... SUNBIT incorrectly reporting me to XXXX..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN 30 DAYS LATE EVER!!!

FURTHERMORE ... THIS IS THE 2ND TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the unauthorized breach of my student loan information under DOGE management. I was recently made aware that my personal data, including social security number, loan balance, financial institution information, address and phone number as well as account details was exposed due to a security incident.

As a borrower, I entrusted DOE and SSA with safeguarding my sensitive financial and personal information. The breach of this data not only puts me at risk for identity theft and financial fraud but also raises concerns about the security protocols in place to protect borrowers like myself.