23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a phone call on XX/XX/XXXX by NCC Business Services XXXX XXXX XXXX XXXX XXXX, XXXX Florida. about a {$2000.00} debt and asked to send me a written copy of the debt original signed aggreement and the balance from zero to present. As of XX/XX/XXXX never received anything so they are in violation of the fair debt Act, They also sent notice to the credit agencies. I also sent them proof of credit card payment!
Product: Debt collection

Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.
Product: Vehicle loan or lease

WFDS seems perfectly happy to provide all kinds of extemporaneous info that does NOT PERTAIN to the specific FRAUD and ILLEGAL activity. 

To wit : INC-splaining their policy and how a loan maturity date gets extended or how payment/s were deferred in the past. This is NOT PERTINENT. 

The issue is simple. I paid off the loan and then they added a Dollar XXXX XXXX  to the loan days later after i had paid it off - thus illegally modifying the contract for the purchase and the agreed upon purchase price ; and THEN reported the dollar and late fees as a late payment to CRA 's. 

I was also assured via calls ( which their CFPB " answer '' acknowledges i made ) that late charges were a separate issue and not reported to CRA 's especially since not a part of principle or interest. They are in direct violation of the laws AND have rendered the contract void via their FRAUD. This is actually referred to as Fraud in the Inducements. Also- on another note - what good does the CFPB do?? you forward complaints and when they answer you 'close ' cases? How is that 'doing " anything? Have you no power? Are there no repercussions?
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Money transfer, virtual currency, or money service

Target Corporation & TD Bank USA have failed to report accurately my balance, and has used confusing disclosures to report an unpayable balance for 30-60 days
Product: Credit reporting or other personal consumer reports

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. 
I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, & XXXX are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Product: Consumer Loan

XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX
Product: Money transfer, virtual currency, or money service

There are chain mistakes from Bank Capitalone side.. 
On XX/XX/2022, their first mistake : there was {$100000.00} transfer out from my account ( XXXX ) without my fully understanding authorization ( supposedly it should be reversal or confirm ) nor my signature ( so large amount without any translator? XXXX discrimination? ) to an uncertain/erroneous company ( Capital one never background check company before sending transfer? Neither no any warning note letter notice to the customer before action? ), when I found something wrong, I tried to call customer service immediately, and the manager, even their top managementbut nobody cam dispute/reimburse my money back so far. The claim # XXXX, ( Per XXXX XXXX procedure, Get a refund for a claim : Temporary credit will typically be granted within XXXX business days so that you have use of the funds ) ->But receive nothing from capital one yet This amount maybe so small for a big company ; but its very important for my family. So I come here to ask your help for my right and fund back, your promptly action and reply this email : XXXX will be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit XXXX XXXX XXXXXXXX to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX MO XX/XX/2023 XXXX XXXX  XXXX XXXX  XXXX. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Product: Mortgage

I was approved for a loan modification through Nationstar in XXXX. I have made all payments on time as required. While recently pulling my credit report. I noticed they reported I am 90 days late. I called them and asked why and they stated under the modification loan, I am not paying the full amount. They never said this was going to be reported to the credit bureaus and it was never stated in the paperwork I signed. This modification has only saved me XXXX dollars a month and Nationstar will not remove it. I have disputed this with all the credit bureaus but I need Nationstar to cooperate as this is unfair and has destroyed my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the ongoing presence of fraudulent items on my credit report despite multiple attempts to have them removed. These erroneous entries are adversely affecting my financial well-being, and I am seeking your immediate assistance to rectify this situation. 

I first became aware of these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing detailed information to support my claim. I attached copies of police reports, identity theft affidavits, and any other relevant documentation to substantiate my claim. 

I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. At that time, I was informed that the investigation was ongoing. 

As the fraudulent items were still present on my credit report, I sent a second dispute letter, reiterating my concerns and the importance of resolving this matter expediently. 

Lack of Response : Despite my continued efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report as of the current date.

The presence of these fraudulent items has had a severe impact on my credit score and has hindered my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation. I am asking for your assistance to remove these inaccurate items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against  XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, someone sent me a Zelle payment, amount {$350.00}. My phone number has been enrolled with Zelle through my bank, XXXX XXXX, since XX/XX/2024. In XX/XX/2024 I successfully sent money through Zelle. 

I received a text message to my enrolled phone number that the sender sent me the money with Zelle. I then went into the XXXX XXXX  mobile app on my phone, confirmed that my phone number is enrolled, and in the XXXX XXXX  app, it said that the money would be deposited into my checking account. 

It is now XX/XX/2024, and the money was never deposited. I contacted Zelle who informed me they can not do anything and that I should contact my bank. I have contacted XXXX XXXX  multiple times, with no results. There are no pending or incoming transactions on my account either. I confirmed with the sender, and the sender informed me that the money left their account the same day it was sent, XX/XX/2024.
Product: Credit card

Sent the attached email to Bank of America several times. NEVER received response. Looking for a way to make online contact with BOA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB- XX/XX/XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are reporting twice each. I originally had an account with World Finance and Peoples Finance both in XXXX SC. Eventually one bought the other company so the account is on my credit report four times. It was sold to XXXX XXXX XXXX XXXX. I settled the two accounts and had it removed under the " World Finance '' umbrella but its still reporting under Peoples Finance.
Product: Student loan

I took out a private loan whilst I was a graduate student at the XXXX XXXXXXXX XXXX. I have had periods of deferment/forbearance/difficulty paying. The loan balance now, in XX/XX/XXXX is actually higher than when I graduated in XX/XX/XXXX. I am totally frustrated. I make payments every month and NOTHING changes.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a person on the street took my phone, gained access to the bank of America app, and sent {$3500.00} over XXXX. They claimed that they would send money over XXXX to me if I ordered them a ride on XXXX. After they sent themselves the money, they ran away and left the phone with me.

I filed a police report and was on call with Bank of America employees for several days to try and cancel the transaction and receive my money back. They provided me very little assistance and did not cancel the transaction or give me my money back. There were no warnings on the Bank of America app that this could happen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have permanent crown moldings made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my crowns. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit with the crown moldings. The dental office continued to bill XXXX XXXX even though the dentist never completed the dental work. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.