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

I have sent multiple letters to Experian trying to dispute multiple accounts on my credit report. Each time I included a copy of my drivers license, social security card, birth certificate, and updated utility bill. I've even sent the letters using priority mail and certified mail in hopes of getting the information on my report validated. Experian continues to red flag each letter because they assume that I didn't send them but they don't even have a proper method to verify a person 's identity. I spoke to a rep today and he said they automatically red flag a letter if it look like it came from a credit repair company. The dates that the letters were received by EXPERIAN were : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EXPERIAN to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX  Opened : XX/XX/2015 Experian Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards,
Product: Debt collection

Back in XX/XX/XXXX, a friend that I used to live with in XXXX Texas called me and said that someone called her looking for me saying that if I didnt call back they would be taking me to court. I called them back and they stated that they were some type of legal agency ( XXXX XXXX ) and they were calling to collect the debt owed on a loan I took out at Ace Check Cashing. I do remember getting a loan with them, but due to unforeseen circumstances I was unable to make a payment, and I was told it was sent to collections. I was told that if I disputed it I would be sued in court for an amount over {$1400.00}. They asked me to make a payment of {$400.00}, which at the time I couldnt. I was told that they could set me up on 5 weekly installments of {$80.00}. I didnt feel comfortable leaving my debit card on file with them, so I ordered a XXXX XXXX card to have for those payments. They kept my debit card on file, despite me giving them my XXXX XXXX card, and would attempt to charge my card for {$80.00} every Friday. I would then call and make my payments with my XXXX XXXX card. One day I questioned them asking if this was real and I was told that when I make my last payment I would receive some type of letter in the mail stating ( I cant remember what it was called ). I made my last the month of XX/XX/XXXX. I never received anything from them. I would try to call them and the phone would pick up and then disconnect, or it wouldnt be answered at all. On XX/XX/XXXX I tried to reach out to them again, and I spoke with a lady who said that its only sent when requested. She stated she would email it to me and i should have it within an hour. I never received an email from them and when I try to call I am back to getting disconnected or no answer. I have already reached out to both my bank and XXXX XXXX, but I dont know what else I should do.
Product: Credit card or prepaid card

I tried to pay off my credit cards and I was not made aware the mailing address had changed. I resent the payment after it was returned to sender and it arrived on XX/XX/XXXX but they didn't apply the payment until XX/XX/XXXX. My due date was XX/XX/XXXX. When I called they reversed one late fee but not any of the interest or fees that were charged due to the payment being applied late. The company should owe me money because I overpaid. Then they had the nerve to tell me that I need to make my payments on time. I did make my payment on time. I have another card for a different store with the same company and I am having the same problem. I have proof of delivery of payments and I just want my cards balance to be paid off and be paid back the excess funds I sent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Money transfer, virtual currency, or money service

At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through XXXX XXXX to him, I try to contact XXXX  and they said they could not help because Im under XXXX and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.
Product: Mortgage

Ocwen loan servicing , LLC assumed my mortgage from homeward mortgage, and this resulted in a late payment charged to my account. I been trying to get this payment removed through them for three or more years. they have reported this to the credit bureau and effected my score.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I purchased a used vehicle XXXX  Honda XXXX from Honda XXXX XXXXXXXX New York. I traded in my XXXX  Honda XXXX. 
XXXX was informed that I will be pcs to XXXX XXXX, they then asked me to pay {$12000.00} in order to take the vehicle with me. The representative said that when spouse go with the servicemember overseas they often times have problems paying the car payment. I then asked the representative if she applied the SCRA to my account or to any of the Honda vehicles I have had? I've had XXXX loans. She said that Honda would look into it. I also asked them to just give me my passport back because I couldn't afford. I asked before the first payment was ever XXXX did not give it back. 
Fast forward, I'm in XXXX XXXX and am finding it difficult to make my payments. I inform XXXX of what is going on. I'm continuing to asked for help. Nothing they can do for me. 
My car is written off. Now my XXXX  is affected. They could have given me my passport back instead of completely processing the loan for the new used car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX Balance Owed : {$55000.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my experian credit report and noticed that this specific credit company ( experian ) has tied my name with someone with similar name criminal history. Ive never had any sort of criminal background
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my credit information. They 've had a security breach in which my personal information was stolen along with millions of other people. This happened in XX/XX/XXXX and yet I 'm only learning about it in XX/XX/XXXX. This is unacceptable. Equifax should have treated such sensitive information with upmost respect to privacy and security. But on top of that, consumer should have learned about the breach as soon as it happened. 

On top now having my personal information in the hands of criminals, I have to pay fees to get credit freezes on multiple different credit agencies. Equifax has even charged me {$10.00} to freeze my credit with them.
Product: Vehicle loan or lease

I purchased a new boat in XXXX with the loan eventually being serviced by Santander USA-account number XXXX. The loan was paid in full in XXXX of XXXX. Santander never filed a satisfaction of lien. I recently attempted to sell the boat and after multiple calls was able to get Santander to file a lien satisfaction however they filed it with the state of Florida. Since my boat was a documented vessel it is illegal for me to have a state title- I can only have a title through the XXXX XXXX XXXX XXXX I have been trying to get Santander USA to file the proper release with the XXXX XXXX I even hired a boat document company to fill out the proper forms and sent them to Santander XXXX They are still refusing to comply.
Product: Mortgage

I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file.  I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done  they still continue to ignore this matter I have wrote to the general attorney (GEORGIA)  just recently
Product: Mortgage

Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute XXXX to challenge information on my credit report ; With TransUnion, XXXX and XXXX to investigate and update all inaccurate accounts promptly, But all I got was a generic stall letter with no real updates or progress. I am reaching out to you in the hopes you can help resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

TU reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of XXXX XXXX XXXX and XXXX XXXX XXXX Dear XXXX Madam, I am writing to file a formal complaint against Jefferson Capital System for violating my consumer rights as outlined under federal laws, specifically XXXX XXXX XXXX and XXXX XXXX XXXX. 

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( XXXX CFR XXXX ( b ) ( XXXX ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information. 

2. Lack of Opportunity to Dispute the Account ( XXXX CFR XXXX ( c ) ( XXXX ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law. 

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( d ) and XXXX XXXX ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of XXXX CFR XXXX ( d ) and XXXX XXXX XXXX ( a ), which prohibits furnishing any accounts information without following the proper procedures. 

Thank you for your attention to this matter. Please fell free to contact me if need further information. 

sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$7200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERY YEAR FOR FIVE ( COUNT THEM ) FIVE XXXX YEARS THE SAME XXXX. 
I GO TO EQUIFAX ON ANNUAL CREDIT REPORT. I WASTE MY TIME, GET STRESSED AND MORE ANSWERING ALL THEIR XXXX QUESTIONS. 
MOVE RIGHT ALONG TO THE END TO GET THIS XXXX ... ... ... .. 
WE ARE SORRY, YOUR ANNUAL FREE CREDIT REPORT IS NOT AVAILABLE ON LINE ... ... ... 
LIES AND XXXX ... ... .... 
FIVE YEARS OF THEIS VERY SAME XXXX STORY ... ... ... 
NO WAY, THEY JUST DO NOT WANT TO DO WHAT THE FEDERAL GOVERNMENT AUTHORIZES THEM TO DO ... ... .... 

FIVE YEARS, SAME XXXX STORY ... ... ... AM I MAD AND STRESSED???? BET ME I AM. DO I TRUST THEM, BET ME NO ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and Equifax have both made errors reporting and reviewing my credit report. The bureau and the credit union have both overlooked two 30 day late payments that are inaccurate for the months of XXXX & XX/XX/XXXX. I have proof that both payments were submitted and transferred from my checking account before the 30 day mark was hit for both months. I also have proof that these errors on the reporting were caused by the employees of XXXX XXXX XXXX XXXX. 

An error was made by failing to update my ACH payment date & account which caused this problem. After I had submitted new paperwork to update the ACH account, they still made attempts to withdrawal from my saving instead of my checking. Finally after XX/XX/XXXX they decided to finally fix the issue. 

They wrongfully tried to withdrawal money from my savings account for the month of XX/XX/XXXX which is included in the attachments. In XXXX I received a phone call that the payment was overdue, and needed to be submitted due to this issue. I submitted payment on the XXXX along with the new ACH form and they only finally withdrew the amount on XX/XX/XXXX. They then attempted to withdraw from my savings again on XX/XX/XXXX and then finally for some reason withdrew my payment on XX/XX/XXXX for the month of XXXX. 

The payments are scheduled to be withdrawn on the XXXX of each month. Even though they decided to wait until after the XXXX holiday to withdrawal my payment for XXXX ( which was submitted on the XXXX ) the payment finally landed on XX/XX/XXXX due to their error. The XX/XX/XXXX payment requires little explanation as that falls nowhere near the 30 day mark since it was withdrawn on the XXXX. 

I have recently filed two different disputes over this same issue. The first dispute was filed XX/XX/XXXX, the second dispute was filed on XX/XX/XXXX. Both times the dispute was found to be inaccurate by bureaus and the credit union and they have not changed the notices on my report. I have sent the bureau and the agencies these pictures as well but have had no luck with the change. I have directly contacted the credit union multiple times via email & phone call.
Product: Credit card or prepaid card

Fraud charges appeared on XX/XX/27 statement - reported - paid legit charges every month Stmt XX/XX/27 - Stmt Balance XXXX Fraud - XXXX Paid XXXX legit charges XX/XX/27 - Legit charges XXXX original fraud XXXX Fraud removed - XXXX Interest Charged XXXX Stmt Balance XXXX paid legit XXXX XX/XX/27 - Legit charges XXXX Fraud balance XXXX Prev Interest XXXX New Interest XXXX Stmt Balance XXXX Paid legit XXXX XX/XX/27 Legit charges XXXX Prev Interest XXXX Prev interest XXXX New Interest XXXX Stmt Balance XXXX Paid FULL Bal XXXX - to stop the illegal interest charges