23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

. There should be no balance, past due, or monthly payment on an account that is no longer owed by the original company. This account was transfer/sold. 

I have researched and see that this is some sort of rental contract and I have requested the company, Online Collections, send me the signed contact of the account they are illegally collecting on. Each rep Ive spoken to have told me theyd send it out. They never provide it when I dispute it with experian. Instead, they just verify it. At this point, after reading the horrendous reviews that my peers have had with them, I understand why I had to come to the CFPB for assistance. 

This is ridiculous and should be classified as ILLEGAL. Please assist!
Product: Credit card

Mercury Card company takes auto payments without crediting the account costing over credit charges etc unfairly. Then proceeds to lie saying the payments never go through by doubling the following payment to deceptively force me to pay 40 % of total amount due within 30 days! 

Total amount due XX/XX/XXXX = XXXX Returned payment charge XXXX XXXX {$40.00} Payment of {$120.00} XX/XX/XXXX = processed but not credited Auto payment XX/XX/XXXX = {$210.00} without credit to account How can minimum payment go from {$120.00} in XXXX to {$210.00} when the card has not been used in over a year and the company is not crediting my account for payments made?
Product: Bank account or service

Non authorized charges to my checking account using my debit card number. Called same day the charges happened and said will be two days to get the charges reversed. Fraud department has not called me and when I call in can not talk them directly always get will call you. Three days have gone by with no emails or phone calls. The money in my account was there to pay mortgage and electric which I did online before this happened. Have not heard from them yet. Do n't understand how the charges went thru with out any questions being from an Airline overseas.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXX Balance : {$4000.00}
Product: Credit reporting

No matter what web site I try I am unable to get my credit report or XXXX score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, ACIMA CREDIT XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card

On XX/XX/year> Citi responded with a citi reference number XXXX sending a note without properly proving this account was mine despite the police report and identity theft report that was provided. I request this to be investigated along with the proof to properly handle this accordingly. 

The note added to my credit file regarding making a note of disputed by the consumer is not acceptable. This is not mine and I expect this to be removed.
Product: Credit reporting or other personal consumer reports

On my credit report Equifax is reporting a collection account from XXXX XXXX XXXX, in the amount of {$5700.00} a medical bill I have disputed this account and Equifax has failed to remove the account, the finding were verified as your account. 

XXXX XXXX XXXX is not authorized to collect in the state of North Carolina and Equifax has failed to perform the duties of the FCRA, 15 U.S. Code 1681 SECTIONS ( 602 ) ( A ) ( 1 ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. Actual damages include humiliation or mental distress, Congressional findings and statement of purpose, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX HAS COMMITTED CREDIT DEFAMATION AGAINST ME BY PLACING THIS COLLECTION ACCOUNT ON MY CREDIT REPORT AND REFUSING TO ACCURATELY VERIFY IF THE COLLECTION AGENCY WAS AUTHORIZED TO COLLECT IN MY STATE, THEY FAILED TO VERIFY THE INFORMATION WHEN I DISPUTED IT.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024 I tried to freeze my credit with TransUnion. I was told on XX/XX/year>2024 that the birthdate that I gave didn't match their records and I need to submit my driver 's license and a utility bill with my correct address. At the time my license had the incorrect address but was due for renewal. I renewed early and submitted those items via email on XX/XX/XXXX. I've had no response so I emailed them again on XX/XX/year>2024 asking for an update or if there was an issue. They have failed to respond to any of my emails since the very first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Debt collection

I asked the company to put me on their do not call list and respect my cease and desist request. The calls stopped for a month then they secretly found my business line and contacted me for a {$2000.00} payment on a scam membership with their partner company. Their phone records and recordings will confirm such claims. They are in fact a debt collection agency according to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act Convergent Account # 's XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) _ XXXX USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Also XXXX XXXX XXXX  ( Section 110401 )
Product: Mortgage

We bought the home in XXXX of XXXX. The Mortgage holder is United Wholesale Mortgage. We qualified due to an accessory apartment. The city of XXXX XXXX stated the house didn't have the right number of parking spots for an accessory apartment. Due to being unable to rent the house we got behind in the payments. We started to request a loan Modification in XXXX of XXXX. UWM didn't notify us that they didn't start it because we needed to get the home out of the XXXX and put it back into the names of those who were on the loan till a month later after many phone calls to them. We changed it and restarted the process. We started the process 4 times putting our payment date to XX/XX/XXXX. We have been fighting with them to get the process finished since then. We have filled out the paperwork they sent us XXXX other times. Each time we filled out the loan application the way they asked and sent it in, they then told us that we filled it out wrong and sent us another one. Each piece of paperwork has been signed and notarized. My son XXXX XXXX the homeowner is on XXXX with the XXXX. We have been fighting to get this Modification done for 6 months. They have been unhelpful. They have cost us over {$1000.00}. per month. We have not been able to pay the interest that is accruing. They keep reporting that we are behind on payments so we can not do a loan on our other house to pay to help repair financial problems. My son who is XXXX to keep our country safe is concerned about his family losing their home. This is a huge problem! We need help! We call UMW customer service a couple of times per week costing us more than an hour of our time each time. This is a predatory bank just changing the rules so that they can charge us more and more interest. We have done everything they have asked 6 times. They are not helpful and are working to take more of our money.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 reporting, credit repair services, or other personal consumer reports

I received your results for case #  XXXX  via mail and I do not agree with the method of validation. I am requesting proof of the original contract or document with my Name, Address, and Signature validating this item as accurate and correct. In addition, the person 's Name, Address, Telephone number, and Signature validating this item from the original creditor  XXXX   XXXX  University. If no documents can be produced please Delete the item from the credit report. I have attached my request in writing along with Experian 's results on this web portal.   Thanks ...
Product: Debt collection

Shellpoint Mortgage continues to place calls to my cell phone after being told via writing and verbally multiple times not to contact me by phone. In addition to this being an annoyance, I have requested reasonable accommodations from Shellpoint that communication be by email or secure messaging based on a XXXX that impacts my ability to understand and participate in verbal communication. On XXXX XXXX XXXX I disclosed to Shellpoint employee XXXX XXXX that I am hearing impaired and require written communication. This request did not result in any effort from Shellpoint to grant that request for reasonable accommodation. I am currently trying to resolve a past due balance on my mortgage, and Shellpoint 's failure to provide reasonable accommodations may result in losing my home.
Product: Mortgage

XXXX XXXX failed to follow the provisions of Regulation X of RESPA. They never provided XXXX XXXX with the Post Foreclosure Referral Notice required by 12 CFR 1024.39 ( b ), they never made the live contact with XXXX XXXX required by 12 CFR 1024.39 ( a ), and they " dual tracked  '' XXXX XXXX ' loan by simultaneously advancing foreclosure while he was in review for loss mitigation.
Product: Checking or savings account

{$2500.00} dollars was sent from my account to someone elses account without my permission. ( stolen ) Chime has yet to pay me my money back nor file a proper dispute so that I can get my funds back from the account that took it. Do not use chime!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report recently, I noticed an error in regards to American First Finance. It is being reported as derogatory and closed with a XXXX balance, despite this account being satisfied in full. I've sent letters that have been returned and sent emails. The creditor can't seem to find information regarding said account but refuses to delete said account from my credit reports. This is a violation of the FCRA, as only current and accurate information is to be reported. Furthermore, if an account has been satisfied in full then it is illegal to report as derogatory.
Product: Credit reporting or other personal consumer reports

There is information on my credit reports that I did not authorize or open up on XXXX, Experian and XXXX. I received an alert that my identity was potentially compromised, and my social security number may be on the dark web. The Social Security Administration. When I finally got access to my credit reports, I found accounts on them that do not belong to me or have access to. I contacted the credit reporting agencies to challenge the validity of the accounts, and I have not received a response yet. It has been over 45 days now. There are multiple inquires on my credit reports, there are addresses that I have never lived at or can identify the location of, there are places of employment that I have never reported or worked at in my credit file. Also, there are home addresses that I have never lived at or used to apply for any credit. THE ACCOUNTS THAT ARE IN QUESTION DOES NOT HAVE MY CORRECT NAME ON IT. I contacted the credit reporting agencies on XX/XX/year>.
Product: Prepaid card

I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever
Product: Debt collection

XXXX XXXX XXXX SOC SEC XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX CENTRAL PORTFOLIO CONT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CENTRAL PORTFOLIO CONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
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 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 fund Was impossible and that tracking these Transactions was not feasible The CFPB findings Indicate that Zelle has not only Neglected to protect consumers But has allowed repeat offenders to exploit the system, leaving customers vulnerable to scams. The lack of accountability and non transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX serious Georgia serious commercial disqualifications on my motor vehicle report and I dont have CDL and never have had a CDL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( XXXX ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

Experian has reported two negative accounts on my credit report - one from XXXX XXXX and the other from XXXX XXXX XXXX. However, both accounts and balances do not belong to me. I suspect it's a case of fraud and identity theft. Hence, I have sent all the necessary information and paperwork to Experian for removal. This issue is significantly affecting me.