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

Equifax ; XXXX  and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws.
In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of,  or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. 
As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and  credit reporting has and continues to suffer from the dissemination of false credit information. 
Security Credit Services is in violation of the following as it pertains to the collection of debt which is  the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA.
It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers.
The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX I have a delinquent capital one account reporting delinquent on my XXXX credit bureaus that I never received or even applied for. I need this removed from my credit ASAP! I called in to dispute this account as soon as I found out about it but at that time the account was past due and in deep collection. I was in the process of moving homes and the address that the card was supposedly sent to I wasn't even living at the time! I need this delinquent account either removed from all XXXX bureaus or update to on time and upstanding as it is severely ruining my credit as I am trying to go for a home loan. Also I didn't even apply for this account in the first place! Please see the attached documentation.
Product: Checking or savings account

I deposited money into my personal checking account and then {$95000.00} disappeared from the account. I am the only authorized user of my personal checking account. On XX/XX/23, a criminal accessed my online account using the Bank of America website and transferred out {$95000.00} from my personal checking account. The criminal apparently used the stolen money to pay off a loan debt that is NOT my debt. I reviewed the login date/time history of my personal checking online account and there is NO record of me logging into my checking account on XX/XX/23. Additionally, my personal checking account is setup with 2-factor authentication which requires a 6 digit access code to be text messaged to me every single time my personal checking account is accessed online. My phone shows there are NO text messages from Bank of America on XX/XX/23. In short, someone stole my money by bypassing ALL of Bank of America 's security features. Bank of America denied by fraud claim even though there is NO record of me accessing my personal checking account and NO record of an access code being texted to me. Bank of America is cheating me by denying my fraud claim.
Product: Mortgage

I built my home with XXXX XXXX. In Utah, the owners policy is paid for by the seller. When doing a new build, standard practice is that as long as you use the same title company as the builder, they will pay for the owners policy. 

In my contract I signed, it stated that if I don't use their title company AND their lender, than they will make me pay for the owners policy ( which is a seller 's closing costs in Utah ). I understand having builder incentives for using their lender, but in this case they are actually charging me more to be able to select my own lender. This doesn't make me feel free to choose who I want to work with for my financing. Essentially they are charging me {$970.00} more in closing costs if I don't use who they want me to use. How is the fair lending? 

My loan officer, XXXX XXXX with XXXX XXXX, called and spoke to the owner of XXXX XXXX ( XXXX XXXX ) on  XX/XX/2018, to see if he could waive this in the contract and he disclosed to her that his preferred lender ( XXXX XXXX - First colony Mortgage ) pays him for the owners policy if he sends his customers to him. This really frustrates me because I am told that the lender can't give anything of monetary value for referrals and yet this is what they are doing and I am paying the price for this.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and Equifax to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These listed creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding { insert creditor } accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately. This is now multiple attempts to fix this matter privately. I will now seek legal Counsil under 15 USC 1681n and 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

I called this company as well as sent certified mail letter from my lawyer asking this company to provide me with information about this account such as a contract and XXXX showing the amount I owe.
Product: Bank account or service

Called XXXX to close XXXX accounts which had held approximately {$200000.00}. I moved money out on Monday and Thursday day before. I asked about trailing interest for the money market account which held the bulk of the {$200000.00}. The telephone representative say they would not pay the interest, because I was closing the account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account Number : XXXX Inquiry XXXX
Product: Credit reporting or other personal consumer reports

I am only able to call to dispute any information on my credit report. XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; I requesting an immediate Fraud Alert and for a Freeze of my credit report as unauthorized inquiries continue to happen. Under the FCRA and the Fair and Accurate Transactions Act, there are provisions related to record accuracy and identity theft which I am requesting the stated inquiries below be removed immediately as they were not authorized by me and you have been notified I am a victim of Identity Theft. The following unauthorized inquiries remain on my credit report and they are damaging my credit worthiness because it lowers my credit score resulting in higher interest rates and denial of credit services. 

Inquiry from XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX  XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX I also requested the incorrect statement be removed as the information in the statement is not correct.
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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

XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR STATE FARM ( XXXX XXXX ) STATE FARM has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to TransUnion and XXXX  with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!
Product: Prepaid card

Received a XXXX gift card as a gift from a friend. Tried to register the card online and it gave me an error and said to call XXXX. When I called, they requested copy of the card and photo ID so that the card can be replaced. On XX/XX/year> - sent fax with all information requested to fax # XXXX. When I called to follow up, they said that they did not receive. Sent another fax on XX/XX/year> and when I followed up, they said that my drivers license was not legible and too dark. I faxed again on XX/XX/year> and also mailed in all documents. On the cover letter each time, I wrote that the card number is not legible on the photocopy and wrote out the card number. The numbers are white and parts of the background design are white so you can barely see the numbers in person. Called on XX/XX/year> to follow up and now they are saying they can not do anything because they can not read the actual card number on the card ( even though the number is on the fax cover sheet ). I told them it is a design flaw, and asked what are my other options to submit since I can't online since it was giving me an error. Asked for supervisor, on hold for XXXX minutes and then hung up on me. This company, for whatever reason, put a hold or stopped this gift card from being able to be used and now making it extremely difficult and impossible to submit the information they requested for a replacement card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I submitted a letter to XXXX detailing 102 discrepancies that I had identified in my credit report. Among these discrepancies, I reported five errors in my credit profile summary, which included a name and address that I have never utilized. 

Additionally, the information provided by XXXX XXXX was both inconsistent and inaccurate. I had communicated with XXXX XXXX regarding three accounts, which had balances of {$3100.00}, {$1500.00}, and {$320.00}, respectively. For each account, I submitted a 1099-A form, which was accepted by the Internal Revenue Service ( IRS ) and forwarded to XX/XX/XXXX on XX/XX/year>2024. Furthermore, I sent endorsed securities to XX/XX/XXXX on a monthly basis, in compliance with 31 CFR 328.6 ; however, I did not receive any response from them. I informed both XXXX XXXX and XXXX that their actions constituted a violation of 15 U.S. Code 1681. According to UCC 3-604, this situation may warrant the discharge of the debt. Despite my efforts, both XXXX and XXXX XXXX have disregarded my communications. Consequently, XXXX XXXX has closed all of my accounts and has reported my payments as late, resulting in an increasing balance each month. 

I prepared a report detailing the following amounts : Discover - {$1800.00} ; XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX- {$380.00} ; XXXX XXXX XXXX XXXX XXXX {$20000.00} ; and XX/XX/XXXX {$3700.00}. 

XXXX corrected several of the 102 errors identified ; however, they indicated that upon their investigation which consisted of just submitting inquiriesXX/XX/XXXX XXXX, Discover,XX/XX/XXXXXXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX maintained that their reporting was accurate. XXXX XXXX, Discover, XXXX, and XXXX XXXX all closed my accounts and initiated the collections process after receiving notification from the IRS, despite my accounts being in good standing at that time. 

The score on my credit report has rendered it exceedingly difficult for me to secure suitable housing for myself and my son. As a XX/XX/XXXXI am unable to afford the additional costs being requested due to my unacceptable credit score. Currently, I am renting a room in a house, which has necessitated that my son live with others, as I have been unable to obtain approval for an apartment because of my low credit score.
Product: Debt collection

I have a debt of {$10000.00} with radius global solution through XXXX XXXX XXXX. I have never used XXXX in my life. Ive been a victim of identity theft before & the police in XXXX TX police report number XXXX called me the other day say they did a raid on someone home and they had XXXX other people identity and I was one of them. This is the second time my identity has been stolen. I already contacted radius solution waiting for a fraud packet to fill out for them. I need to get this off my credit because this is not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card say over my credit limit and not paid. I paid it in full in 30 days.
Product: Student loan

Nelnet is servicing a student loan registered to myself. The website is constantly down, the wait times for calls are over an hour, so I've been unable to access my account, know what I'm being charged for, and the current status of the loan. 

I've also attempted to sign up for automatic payments or make payments online, which have failed almost every single time. 

I would like the company to validate the debt as well by providing the original promissory note. This is not a credit dispute as of yet, just want to be sure the debt is valid, related to any debt I actually incurred, and to provide those documents in a timely manner for review.
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 ( s ) 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. 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

There 's a  XXXX  name showing up on my credit report  XXXX   XXXX   XXXX  that is not my name, I have never used an alias name I always use my name which is  XXXX   XXXX   XXXX  I have no other name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Product: Debt collection

Received call form a unknown co. called  XXXX  on   XXXX   XXXX   XXXX     trying to collect a debt they say I owe. Tried to tell them I do not know how they are, so they sent me an  XXXX   XXXX , wanting all kinds of personal info on me, Police said not to fill out and report them.   XXXX   XXXX   rec letter saying I had not sent back in Fraud packet and so my debt was now past 60 days overdue and now I owe them {$600.00}. For what is not known. Have never recd. a bill just a collection letter .... Also this company seems to us e Pacific Credit Grp LLC to service hem. This Co.  had a Co Called  XXXX   XXXX .  XXXX  to do a soft cree credit check on me on   XXXX   XXXX   from Florida. On same day form   XXXX   XXXX   CA,  Pacific Gredit Group also did a credit check as a credit review on me from the    XXXX  address at  XXXX .  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  in   XXXX   XXXX  .CA.  XXXX  The number online there is listed as  XXXX  as listed later on the letter of saying I need to make payment arrangements. However they send correpondence form a  XXXX   XXXX   XXXX  in  XXXX   XXXX , CA  XXXX  saying they are   XXXX   using a number registered to  Pacific Credit Grp LLC,  as  XXXX  They also sent a so called payment portal address to send any money to as  XXXX