23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is harassing 's me and my family members. 
They call me several times daily. They call my work, my family members. 
They have violated the FDCPA act as they called my Son on XXXX and told him personal information such as the amount of money that they say is owed and that i won't pay them. I called them stated that I am not aware of this debt and requested any and all contact to me should be in writing. The person that I spoke to started cursing at me stated that I don't pay my bills. Today XXXX I received a text stating what they say I owe and trying to reduce the debt by a settlement. They then proceeded to send that exact same text to my other son. So again the violated the FDCPA act. 

I have sent an email to them disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CONSUMER REPORT WITH ADVANCED RESOLUTION SERVICES , INC SHOWS INCORRECT BANKRUPTCYS RECORD NUMBERS. THE UNITED STATES BANKRUPTCY COURT CASE NUMBERS FOR ALL 3 PUBLIC RECORDS DONT MATCH UP ON ARS CONSUMER REPORT. ON XX/XX/2019 THEY VERIFIED ALL 3 PUBLIC RECORDS ARE SHOWING ACCURATE. XX/XX/XXXX XXXX XXXX, AND XXXX XXXX XXXX DONT HAVE ANY BANKRUPTCYS ON MY CONSUMER REPORT, P.S IM ALSO A VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I lost my ATM card. As soon as I realized it was missing, I attempted to contact Bank of America through the mobile app. It wasnt working so then they called me. They told me that my account was frozen and under investigation because {$1500.00} was taken out and it was more money than had been in my account to start so it was overdrawn. I explained that I had lost my card and I asked them to review the ATM video tapes so they could see it was not me. I have filed a police report with the XXXX Police for theft and have been repeatedly in contact with Bank of America but they continually tell me that I need to pay the full amount.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. Please remove them from my credit report. Its hurting my ability to obtain credit
Product: Student loan

Same behavior exhibited by XXXX/Navient as decribed in this articleXXXXStarted repaying a {$14000.00} student loan four years ago with additional monthly amounts labelled to reduce principal outstanding. The additional amounts were always posted to future interest payments so today the principal balance is {$12000.00}. XXXXNavient harasses constantly for advance payment of monthly amount due and NEVER applies additional principal payments to the principal. This is a huge rip off and is not like other responsible student loan processors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I called XXXX after observing my credit score dropping XXXX points. The XXXX agent informed me that XXXX XXXX was showing a collection after I called XXXX XXXX, they stated that it was not true and they reported it paid and satisfied. The Agent also stated that my Mortgage Company XXXX has reported for XXXX, then she said that my student loans weren't in good standing for which none of the information is true my student loans are in good standing and repayment start in XXXX as the President stated. I have paid all my bills on time, and I feel that my credit score should have been in the XXXX hundreds due to credit that was developed over the past year. I've bought a new home and Vehicle verses many other credit items obtained and all has been paid on time and in good standing.
Product: Credit reporting or other personal consumer reports

Hello there were multiple accounts opened on my behalf that are not mine including XXXX XXXX for {$2700.00} XX/XX/XXXX XXXX XXXX for {$5500.00} XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX in addition these are incorrect inquiries that have appeared on my report 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter leased a car and I co-signed through a dealership. XXXX XXXX financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out XXXX XXXX  had reported a late payment. Through many calls and emails between the dealership and XXXX, after XXXX tried to blame the dealership it was discovered and proven that it was a mistake that XXXX made. Every time I try to find out why our credit is still not fixed after 2 months XXXX basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.
Product: Credit reporting or other personal consumer reports

I have disputed XXXXXXXX XXXX  to experian because I have asked for a I want a copy of the chain of agreement, the purchase agreement, the forward flow agreement, insurance claim of debt, and my signature in agreement of debt fro. XXXXXXXX XXXX records. And they have faild to provide and properly investigate the claim of debt by discover bank and remove it from my credit report
Product: Mortgage

I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you
Product: Credit reporting

I was using my credit card at a store and a purchase was declined, I called my bank and they said I had a hold on my account. After further research and obtaining my credit report, I noticed a bankruptcy on my report that I have no knowledge of whatsoever. I went to file a police report for the fraud that happened and sent everything to the credit bureaus. I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters of to all bureaus on XXXX XXXX, 2002. Here is my tracking # for # XXXX XXXX. 
# XXXX  XXXX # Equifax XXXX. 
To remove personal information that I do not want on my credit report because of inaccuracies. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I dont remember ever getting a phone
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have not used XXXX for more than 10 years. Suddenly, I have a debt collector ( i.e., American Coradius International LLC. ) tell me I owned to XXXX  some money. They referenced the account number that Ive never known. This is a scam. 

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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts, address, name that I mark as inaccurate 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was send an email stating they can't give me a line of credit but I never applied and when I spoke to them I got the run around I also asked them to delete my banking info from their database and they are refusing too delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXEquifax dropped my credit report XXXX XXXX the reason per Equifax credit card balance decreased-and XXXX went up XXXX had to correct their report because of the inaccurate information-My Student Loans have been paid in full twice on XX/XX/XXXX by Borrowers Defense and by PSLF on XXXX XXXXit is coded incorrectly this is NOT a charge off it is a payoffXXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I could get my loans taken care of-see attached-my XXXX  XXXX was paid in full-see attached-my XXXX is up to date-see attached XXXX was not opened XXXX-I have not had XXXX  for over 7 yrs and it was paid in full-I am tired of this incorrect reporting and incompetent customer service-I will begin the legal process if this is not corrected and I will email XXXX  as I have done before helping them develop forms to fight incorrect information on student loan reporting-i work XXXX XXXX and raise a family-I do not want charity-I want fair credit reporting-I have put up with these inaccuracies long enough being too tired to fight them due the death of my XXXX XXXXXXXX and XXXX XXXX still work XXXX XXXX-have to pay XXXX XXXX  rent increase XXXX dollar rent-I have decreased my debt by over XXXX by paying it off-no evictions-no bankruptcy-I am paying XXXX a month on my legitimate collections-first a breach of information and now thisXXXX fixed their report-after I brought it to their attention by over XXXX points-your system is not always correct-so a breach of secured information and non fair credit reporting I will go to the highest level court to get this fixed and that this does not continue to happen to other students-families-etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information with XXXX  and Experian reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FloridaXXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Florida XXXX Additionally, I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer.

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. It's past 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report. I mailed a follow-up too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX in XXXX MT I paid my rent & moved out in XX/XX/XXXX. I contacted the apartments wanting my security deposit minus the {$75.00}. Fee to repaint accent walls. I took numerous photos proving My apartment was left clean & undamaged. XXXX XXXX was given my address to mail my check. They never contacted me. 
In XXXX Experian reported I owe XXXX XXXX XXXX {$1400.00}. I went to XXXX XXXX with Bank records proving rent payments and photos. The manager I knew had quit and a female was now managing. She agreed I did not owe rent. She told me the manager had quit soon after his brother in law painted my apartment. She was left in a mess a XXXX d couldn't produce the painters name or invoice. My neighbor told me the painter was in my apartment less than 2 hours. I disputed the debt to Experian. 
I am denied housing as Experian rentbureau shows the negative report under rent history plus XXXX XXXX XXXX reports the same {$1400.00} plus charges of {$920.00}. 
I am refused housing and the XXXX refuses overnights with my daughter until I can get a place with a room for her. I have to drive XXXX hours round trip to visit my daughter XXXX to XXXX. 
XXXX XXXX have humiliated me.
Product: Vehicle loan or lease

According to BMWF rep spoken with today, XXXX, I am unable to make ACH payments using my checking account due to an error with last ACH payment attempted, I do not have amount available to me at this time. The payment was scheduled via BMWUSA.COM, the correct routing and account number entered, the rep claims the bank did not recognize the account info even when it was entered correctly. I suspect BMWF placed the block prior as it was on the account before, a rep whom arranged a promise to pay removed the block so I could make ACH payment. I believe the system then replaced the block, unknown to me, which caused the payment to reject. Again, correct routing and account number was entered at time of payment. Due to payment reject, the account is now over thirty days past due, may have been reported to credit bureaus as such.. I request BMWF adjust this 30 day mark due to block they placed prior and is still on account currently. Also, I request block removed as the payment does not count as a returned payment, I have been making payments which have been clearing from same checking account with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, EQUIFAX MORTGAGE SVCS add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am writing the 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 the recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs 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 consumers safety.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 card or prepaid card

I have submitted six disputes since XX/XX/2019 and have not received credit for any of them, nor received any correspondence from Alliant subsequent to disputing the charges. I believe I have been illegally required to pay the charges under dispute as they were included in the statement balances. 

XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX.XXXX/XXXX  {$15.00} Invalid Amount Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$12.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX {$270.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX/XXXX  {$59.00} Credit Not Received Submitted