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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. XXXX and Transunion credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Product: Credit card or prepaid card

I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were done without my knowledge or permission and I would like them removed from my credit report. 

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

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these entries from my report. It is my understanding that you will verify these items with the respective creditor. Should the creditor be unable to provide verification, I kindly ask that you remove the corresponding information. I am aware that under 15 U.S.C. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, in accordance with 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this alleged debt until a verification of the debt is provided. 
Additionally, I request that you send an updated copy of my credit report to the aforementioned address, free of charge. I also request that you notify any parties who have received my credit report in the past six months of the corrections made. 
Thank you for your attention and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. FLAGSHIP CREDIT ACCEPTAN Inquiry : 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 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: Debt collection

Convergent Outsourcing has placed a collection reporting to XXXX and XXXX, stating that I owe a balance of {$360.00}. This collection report is incorrect about this debt belonging to me. This incorrect information is placed on my credit report and is affecting my credit report and score.
Product: Debt collection

When applying for a new credit card on XX/XX/XXXX, I was declined and advised of a recent collections entry on my XXXX and XXXX   credit reports. There is a collection showing for {$650.00} from Ability Recovery Services referencing XXXX XXXX XXXX on XX/XX/XXXX. This was the first I had heard from either company. I contacted Ability Recovery Services via the XXXX, since I was afraid this was some sort of scam and didn't want to contact them directly. I advised them on XX/XX/XXXX that I would like some sort of proof regarding this alleged debt and that I had not received anything from them via writing or phone call as is required under federal law under the FDCPA. 

Ability Recovery Services sent me a letter on XX/XX/XXXX with a copy of a non-itemized statement from XXXX XXXX XXXX showing a balance of {$650.00} as past due with a different date of service, XX/XX/XXXX. This does not serve as verification of the debt as there is no indication as to what services were rendered or that I have agreed to pay any such services. They did not send this within the 5 day timeframe as required by FDCPA 809. 

This is not my debt. I received no services from XXXX XXXX XXXX on either XX/XX/XXXX or XX/XX/XXXX and I am concerned that the company has provided differing dates to different organizations. Ability Recovery Services has not only failed to provide the required notice prior to placing collections activity on my credit report, but they have failed to provide itemized debt validation as well as failed to respond within the 5 day period required by law. This needs to be removed from my credit report immediately or I will be seeking legal remedy up to the maximum allowed by law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Sc XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C . 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Im formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected 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

Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...
Product: Checking or savings account

I used the atm at fifth third bank during business hours on XX/XX/year> and attempted to deposit {$940.00} cash in the atm located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The machine said it would not accept any of the bills and flashed red. I spoke with bank staff and lodged a dispute. They could not find a resolution or a tech to rectify the situation. They claimed they will not release the money until the investigation is complete which will be 8 days.
Product: Debt collection

I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.
Product: Mortgage

Select Portfolio Serving, Inc.has a scheduled foreclosure on my house XXXX XXXX, XXXX. The assignment being used is a robo signed by well known robo signers. XXXX XXXX  XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cut of date for this trust was closed when the assignment was created, and conveyed. The Pooling and Service agreement states the all mortgages must be conveyed prior to the cut off date or closing date of the trust. This can be found in section 201 of the loan trust filed with SEC. Therefore, the assignment is fraudulent, and fraud can not be the bases of obtaining a deed. 
Select Portfolio, was in the process of restructuring my loan while in this process of modifying my loan they denied me for any type of work out. I advised the of the DUAL TRACKING LAWS. I asked them to stop my foreclosure and they refused. 

The final issue is they have not responded to my demand for debt Validation Proof of Claim, or QWR
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX Visa Signature account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX
Product: Credit card or prepaid card

Sears Credit Cards, XXXX XXXX, SD I never received the statement with a payment due date of XX/XX/20. Only found out when I received a phone call saying the account is past due. I then paid via electronic transfer the full amount of {$410.00} including a late fee of {$28.00} and interest of {$6.00}. I had previously signed up for paperless statements and when I did not receive one, was told that it was returned and no further communication was attempted so a service charge was put on my account. I cancelled the paperless and now the same thing is happening with mailed statements. Wondering if this is a way to add fees and charges as I never carry a balance and have an excellent credit score.

Sears Credit Cards responded that it is a valid charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an online dispute resolution center where users can dispute fraudulent information on their credit reports. I used this tool to submit a dispute for a fraudulent account that was opened in my name in XXXX of 2022. I attached a police report to this tool that clearly spells out : XXXX the same account number as was used on my account XXXX the crime and arrest of identity fraud XXXX the account balance that matches the amount on the account as shown on my credit report Despite sending all of this information over, Equifax replied and stated that their investigation concluded this account was indeed mine, and not a fraudulently opened account. 

I called in to check as to why the account was not removed. The associate over the phone let me know that when a dispute is filed online, their process is to NOT look at any attached documentation to the dispute ( which the online tool does ask for ), and instead just reach out to the creditor associated to the account that is disputed as fraudulent. So, Equifax did not even use the police report i filed in their dispute resolution process. 

I was then notified that if i wanted to have my police report considered, i would need to mail it into Equifax and supply a letter to their mailing address. I asked the associate over the phone why they ( the associate ) couldn't just forward the document that they could see on my dispute form to the proper department or resolve the issue themselves, since they did verify they could see the police report and the information on it. They said they had no process for an internal transfer of documents/they could not help, and my only way to have this resolved was to mail the documents in myself. 

This process is time wasting, confusing, and potentially dangerous to consumers. due to this process, some consumers may file a fraud report online and believe they have no additional recourse if Equifax deems the account to be legitimate. Equifax is not fulfilling their duty to remove fraudulent claims as a credit bureau by forgoing the review of documents supplied by victims of identity fraud. Also, its concerning that one of the major credit bureaus is unable to have agents process dispute claims while having information in front of them or forward documents to the necessary party to process the claim. Not to mention the waste of unnecessary paper and money by forcing consumers to mail in a physical copy of a police report and pay for postage.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in accordance with the fair credit reporting act the list of accounts below have violated my federally safeguarded consumer right to privacy and confidentiality under XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1800.00} XXXX, XXXX {$190.00} XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602- 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 an account without my written instructions 15 U.S.C 1681c ( a ) 5 sections state no consumer reporting agency may make any consumer report containing any of the following items of information or 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 section States 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

at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track number-XXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.