23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reject the previous response from southwest recovery service inc. they purchased this debt from a third party, and it is an illegal attempt to collect this debt. I have no obligations to pay this to XXXX XXXX, and I have no wet ink signature contract with southwest recovery services. I am informing I will have to pursue a lawsuit. It needs to be removed from my credit report immediately, and they have broken several consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove 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 XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX IN CO ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Early Warning Services , LLC is showing 3 fraudulent XXXX accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

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

Chase Bank and I was not aware of the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent FTC to Experian when i noticed inquires that i did not authorized, i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Mortgage

I contacted Wells Fargo to see if I could refinance my home mortgage or receive help with my mortgage payments and representative told me I had to be behind 4 months payments before receiving assistance. I spoke with her for over 30 minutes asking all types of questions to ensure the process was correct. When I missed 4 payments and contacted them again. I was told there was nothing they could do to help as I was 4 months behind. I was furious. Long story short they attempted to foreclose my home and I had to file bankruptcy to save it.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity THEFT Someone stole my information open a credit card account up and started charging it in my name This is fraudulent and it needs to be removed ASAP. it's hurting my ability to be able to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to go to the Equifax site per their provided link to see if I was affected by the credit breach on XXXX XXXX, 2017. When using the website, it was supposed to tell you if you were compromised or not and then give you the option to opt-in to their ID theft protection. It did not give my any such option to opt into the XXXX XXXX XXXX. It just automatically opted me in even though I was only requesting to see through the site if I was potentially affected by the breach. Speaking to the rep on the phone later that morning, she told me I was already enrolled, even though I never consented.
Bottom line, they enrolled me in something that I did not consent to and also did n't tell comsumers about the breach until a month later, resulting in me paying for credit freeze. These fees should have been waived, especially since Equifax is at fault with the lack of security measures. And now the affect to my credit will be affected forever.
Product: Debt collection

The debtor called and left a voicemail. They did not disclose that they were calling about a debt and then left information regarding my personal direct deposit information without any indication of what this was about.
Product: Credit reporting or other personal consumer reports

I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, LexisNexis. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?
Product: Debt collection

I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!
Product: Credit card or prepaid card

I NEVER APPLIED FOR A CREDIT CARD I BEEN VICTIM OF IDENTITY THEFT
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims frequently. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 in 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. XXXX XXXX XXXX  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: Debt collection

Wells Fargo Dealer Services has relentlessly reaffirmed the charged off debt of {$3000.00} on an old vehicle loan from 2011. I was under the impression that once an account has reached 7 years old, it is to come off of your credit report. They will not remove the debt from my credit report. I did not allow the account to go deliquent intentionally. I was sold a vehicle that became inoperable, and I lost my job because I could not longer get to it. I offered to allow them to take the vehicle, and they refused. I have since taken many steps to improve my life for myself and my XXXX children. This negative remark is preventing me from several opportunities to continue bettering the lives of my family. I am a single mother of XXXX young children, not that I should get special treatment for it, but I believe this remark should be removed off of my report due to the age and nature of the circumstances and these people will not have it. I would appreciate your help in this matter. 

I have also not received ANY written statements from them in 3 years, and they marked it as a charge off. They are no longer even trying to collect the debt, it appears they are simply just trying to prevent my score from improving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to do a refinance and I am working with company called XXXX! XXXX is trying access my Equifax report and credit score but it has block on them and wont report. I have called 4 to 5 times and Equifax tells me there is no problem with my report. Must be on XXXX side. XXXX is getting APPLICANT FILE BLOCKED AT EQUIFAX ERROR Code : XXXX. 
Equifax says there is nothing else they can do for me!
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX  : Information Referral AND IRS form XXXX  : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

Called ALLY BANK TODAY, XXXX XX/XX/year>. Was unable to access my account. I was informed that this cd account of {$70000.00} was closed in XXXX. You can imagine my surprise since I never received a letter or email notification of account closing. The Ally rep could not provide the above requests immediately however she stated they would send this requested documentation to my email.
Product: Credit card

In the month of XX/XX/XXXX I opened a 0 % credit card with Bank of America. All went exceptionally well leading up to XX/XX/XXXX when the bank closed my account based upon errors on their end, my end and XXXXXXXX XXXX who is my personal banking company. My balance on the card was about {$2800.00} out of an available balance of {$6700.00} shortly before the time it was closed. This was nothing out of the ordinary being that I have spent upwards of {$34000.00} on that card since opening it and have paid it all back and payments being early at that. Here is the bulk of what happened. I went to make a payment on my phone which was my statement balance of {$710.00}. I proceeded to make the payment and did not receive any confirmation. In fear of it not going through, I made it a second time in which I then received confirmation. I come to find out the next day that both payments went through. I was not prepared to make a {$1400.00} payment so I contacted my bank to see if they could reverse one of the payments so they receive {$710.00}. That did not happen as planned. XXXX refunded them both payments and now BOA was saying I did not make a payment and my payment was overdue. In a hurry I made a minimum payment on my app, and shortly after called the bank to tell them it was an error reversing both payments and Id like to make the {$710.00} payment I originally had planned for. The customer service agent gladly did that and prorated the second charge since I already paid {$92.00} to make them both total {$710.00}. At this point I am assuming all is well. I go to use the card and it doesnt work. I contact customer service and they basically say there is nothing they can do about it. I think find an email the next day saying we closed your account which in the terms of the next agent describes as a business decision. What kind of business cancels a loyal client that has never missed a payment?
Product: Debt collection

XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I put a security freeze on my credit report also identity theft then I call experian and ask them to remove the XXXX  and XXXX  credit card accounts that are on my credit report also addresses that I'm not associated with and the inquiries XXXX XXXX they remove everything Experian did not I have spoken with the companies themselves and they reported them that it was fraud and closed the accounts but Experian still won't remove these items off my credit report and I have submitted documents showing that I am XXXX  and have been since 2014 so that's why the company themselves XXXX and XXXX remove these items on my credit report this was XX/XX/XXXX thru XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XX/XX/2022 I fell victim to a multi-layered scam operation XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm ( s ). 

Upon becoming aware of the scam I immediately contacted CoinBase for assistance - and they were not helpful - actually the opposite. 

I contacted CoinBase and GAVE THEM the wallet addresses where my money had been sent so that nobody else could be scammed. They did absolutely nothing with the information- which should be considered a crime in itself. 

A report was also filed immediately with reportfraud.ftc.com Report number : XXXX It is incomprehensible in this day in age that there weren't any consumer protections in place, nor assistance upon notification by customer, NOR ANY ACTION TAKEN by CoinBase to prevent or mitigate others from being scammed. Clearly they don't have the proper internal processes needed to run a crypto exchange in accordance with the law and consumer protections. 

XXXX
Product: Debt collection

I recently mailed a certified letter to Hyundai motor finance concerning a charge off reporting on my consumer report. Hyundai motor finance is reporting inaccurate info. I am heartbroken that you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Cancelled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says Hyundai Finance you are a furnishing information to a consumer reporting agency.
Product: Debt collection

Sequium is using a robodialer to place repeat and frequent calls as well as spamming emails. An email was sent to Sequium on XXXX requesting validation of the debt. No response was provided. A follow up email was sent on XX/XX/XXXX alerting Sequium of the violation of our rights under FDCPA. No response was provided. 

Calls received on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX  Account # XXXX ; XXXX XXXX  Account # 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