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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

I fell behind on payments back in XXXX/XX/XX/XXXX, and I made the payment needed to keep my car from getting repoed. I called while at work one morning, I took a break, spoke to one of the representatives, she told me the amount needed to keep my car from getting repoed, so I paid it. I went out to my car around lunch time, @ XXXX, and my car was gone. I called the company back, spoke to the same person, and she said she never called the repo company to let them know I made a payment, " it wasn't her job to inform them ''. So I made a payment for no reason, and my car was repoed anyway. She then said I needed to make another larger payment to get my car payments current to get my car back from the repo company. I was already down on my luck, having a hard time paying due to an 80 % reduction in my current pay. So, I had to borrow money from my parents to get my car back. Then the agent told me I had to pay a fee to the repo company to get my car out. This is now 3 different payments, when I had already made the first one to bring everything current prior to my car being towed. I told her I had no more money, and couldn't borrow anymore money. She " worked '' with the tow company, and added the fees to the end of my loan. She said my loan was brought current, and I would have to pay the repo fees at the end of my loan. I've asked for years to get everything in writing broken down, and I finally got it about 6 months ago. After the agent said everything was brought current, she lied again, because Flagship kept charging me late fees, and reporting to the credit bureau that my loan was late/behind on payments. They had the amount I owed completely wrong, have messed up my credit report, I'm having the hardest time getting this fixed, getting my credit rating fixed, and getting the amount due corrected so I can get the title to my car. The loan on my car has been paid-off since XX/XX/XXXX. I've asked to speak with a XXXX XXXX at Flagship to help me correct this situation, I've sent several emails, and I've never had a return email or phone call from XXXX XXXX. The agents keep ignoring everything I say or ask for, refuse to help me correct their error, and refuse to have XXXX XXXX contact me. I was told by a Flagship agent on a phone call, to ask for XXXX XXXX after my loan was paid, so she could help correct the amount due and correct their error because that agent could see where the company had messed up. I've asked for the recorded phone conversations to be reviewed, and asked for a copy for myself, and nothing has happened. I need my credit fixed and I need the title to my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAILXXXX DIFFER FROM XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX LAST REPORTED- DATE DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
Product: Bank account or service

On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.
Product: Debt collection

Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. 


I do not owe this company they keep harassing me daily and I have disputed this off my credit report multiple times. I do not owe a debt to XXXX XXXX Here is the account number XXXX
Product: Debt collection

On XX/XX/year>, Venmo withdrew XXXX dollars from my account that i did not authorize. I am in between jobs and need this money to pay my rent and other bills. I have been working with a debt settlement company that is communicating with Venmo, which is why i have not paid my credit card bill. On XX/XX/XXXX i had called Venmo land they have a recorded phone call of them telling me they would send the check of the amount taken from me. The check never came. On XX/XX/XXXX i called again and they said nobody had sent a check, and that they would send it now. It is now XX/XX/XXXX, i still have gotten no money, and the money they stole from me was charged back to my account, so they really owe me XXXX dollars. Theyve sent me a pathetic apology saying they would send. Check or XXXX because i owed XXXX on my minimum card payment. Which is insane. What a disgusting company
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX  XXXX Balance : {$23000.00} XXXX  XX/XX/2024
Product: Debt collection

I am currently being sued by a company in a state I havent lived in for over a decade. I have had zero validation of said debt, and no communication with the company.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy listed on my credit report XXXX which is being reported by lexis -nexs to XXXX and XXXX which is inconsistent and inaccurate missing information and wrong dates therefore this shall be deleted from their database.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Collection Account on My Credit Report Investigation Request I am filing a dispute regarding an inaccurate collection account that appears on my credit report. This account is being reported by : JEFFERSON CAPITAL SYSTEM under account number : XXXX, and is deemed to be incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). 
I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. 

The presence of this account on my credit report is negatively affecting me, so I am requesting its immediate removal if it can not be verified with legal documentation. 

I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and collection agency comply with the FCRA. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted XXXX  and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX  I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted XXXX  again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXXif it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like Trans Union and XXXX   removed this particular account from my credit report lastly TransUnion is also disregarding a disputed account from Creditor Information XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with XXXX  as well also an account showing closed with acceptance Now for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX XXXX
Product: Debt collection

Mailed the Repossession Deficiency Letter to Experian & XXXX   XXXX  NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ).

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE REMOVED THIS ACCOUNT ON MY EXPERIAN REPORT I WILL BE FORCED TO PRESS CHARGES.
Product: Mortgage

XX/XX/XXXX two mortgages were transferred/sold ( via company to company ) to Loancare Servicing. As of XXXX the payments amounts have changed 5 times. In XX/XX/XXXX I requested a breakdown to include monies transferred by previous mortgage company. This was received XX/XX/XXXX. Subsequent calls have not resulted in clear explanations regarding increased mortgage amounts. Because I am not confident in the accounting of Loancare on XX/XX/XXXX I requested the cancellation of the escrow acct stating that I would pay insurance and taxes directly. I was told by Loancare that a response would be provided in 5 days. I contacted Loancare two weeks later, was told that the response would take 30 days. I called XXXX was told that there was no decision. I called XXXX was told that the escrow cancellation request was denied due to property being 2 - 4 unit property. I responded by asking why did it take 6 weeks to deny if this is the policy? I would was told that I could re-submit asking for the decision to be reviewed. Bottom line is I do not have confidence in Loancare 's accounting or trust the information I receive.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight 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 tracking these transactions was unfeasible. The CFPBs finding 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 consumers safety.
Product: Student loan

I have attempted to call Mohela for two days ( XX/XX/XXXX and XXXX ) with wait times that are exceeding XXXX minutes. I'm calling at the times the call center recommends Thursday and Friday between XXXX. and XXXX. I have now requested four times a call back function with them. When they call back I get put on hold and the system hangs up on me and then I get a voicemail telling me they tried calling me. 

Rather than listing the number to call the person directly they tell me to call their general service line. Which then starts the entire process over!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midwest recovery system has been saying I owe them money since XX/XX/2018. I have never even been to this office in Missouri, it started when I left for XXXX XXXX  and was XXXX in Missouri. There have been multiple times that Ive had to try and removed this debt because it is hurting my credit score. The debt is not mine. Ive even froze my credit in hopes of it stopping this company from making fraud claims on me and nothing has worked. This one said I have a debt owned from XX/XX/2018. Ive been home since XXXX. Please help me permently remove this
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 adequately. 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 onlyneglected 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, credit repair services, or other personal consumer reports

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692XXXX, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX  : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC. 

no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.
Product: Debt collection

I have disputed this debt multiple times and I cant seem to get this resolved.
Product: Credit card

My available credit shown on line was not accurate and caused me to have a transaction declined which was for auto parts needed in a timely manner. I was informed by Discover 's chat representative that it is a result of how Discover posts payments. Payments are showing as available credit online before they hard post to the account. I have XXXX other active credit cards, XXXX which updates credits once the payment hardposts and XXXX the day the payment is scheduled and not tied to posting. Discover 's practice is deceptive and should be systematically fixed so that a customer has accurate information available to them. In this particular case, I would not have attempted to use the card if the credit was not showing as available. The chat rep indicated that apparently the gap is from XXXX pacific to sometime the following day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. XXXX  and XXXX  do not comply. I have filed multiple complaints on Capital One. But XXXX  and XXXX do not investigate but simply send to Capital One who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and XXXX  but talk to another country who now has my personal information. I have repeatedly made request from Capital One to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. XXXX, XXXX, and Capital One have at least 100 of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX  XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. Capital One refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. Capital One refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. Capital One ignores and plays games by listing all complaints as duplicate. Capital One sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft FSTPROGRESS Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.