23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX saying my request for credit had been denied due to a potential fraud application. They ran my credit and I have an unauthorized hard credit inquiry on my report which decreased my credit score. I called XXXX XXXX XXXX XXXX to ask them to fix this and remove this hard inquiry and restore my previous credit score but they said they could not do this and I would have to speak to Trans Union Credit Report Company. When I contacted Trans Union and asked them to remove the hard credit inquiry from my credit report and restore my previous credit score they told me they needed a letter from the XXXX XXXX XXXX requesting the removal. When I called XXXX XXXX XXXX XXXX for a second time requesting this letter to provide to Trans Union they said that they dont write those letters and that Trans Union must contact them. After numerous phone calls to both companies nothing has been accomplished and I keep getting the same answers and run around. I just want the hard credit inquiry made by XXXX XXXX XXXX XXXX removed from my Trans Union credit report and my previous credit score restored.
Product: Debt collection

The company my complaint is on is with Sunrise XXXX. I called them on XX/XX/2020 at XXXX trying to get information on a debt that they said I owed. When I spoke with the individual he stated that the account at a {$0.00} balance and they no longer hold the debt. However the debt is still showing on my credit report for {$2700.00}. I explained that what they were doing was illegal under FCRA by continuing to report this debt under Sunrise when they do not own it. Prior to this I had sent certified mail to XXXX  and XXXX  and Sunrise Debt disputing the debt and no action has been taken and now I understand why because Sunrise no longer holds the debt.I am in the process of purchasing a home and I do not want inaccurate or false information on my credit report.
Product: Mortgage

We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and  Residential   Credit   Solutions   (  RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a "  XXXX   XXXX   XXXX  '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the  XXXX   XXXX   XXXX  and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our   XXXX    money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our  XXXX  gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.
Product: Money transfer, virtual currency, or money service

I made a mobile deposit to my personal checking account on XXXX at approximately XXXX. I was advised via the mobile app notification that my funds would be available XXXX at XXXX. I noticed when checking my account that did not take place. I called the bank XXXX and was advised the funds were being held for verification and would be available on XXXX. I called the bank to be told that the hold was not released. I filed a complaint and was contacted by bank given yet another time frame as to when my check deposited on XXXX would be available. This new date was XXXX making that the XXXX business day since the deposit was made. In addition, the compliant and grievance case manger suggested I take my check to another bank let them cash it and PNC will deduct the funds from my account since they already where expected them. He was no willing to assist in a professional manner, he repeatedly raised his voice and over spoke me. He failed horribly in resolving the issue, he truly escalated my complaint, leaving to seek other actions. I went as far as identify to him where the company failed to provided proper notification of the issue or reason for the delay, without my first calling with the complaint.
Product: Student loan

The account # XXXX has been removed from the consumer report, re-aged and placed back on the consumer report. Furnisher is reporting inaccurate " Date opened '' information. Furnisher is reporting inaccurate payment history/Missing dates. The furnisher has reported the account on the consumer report more than 7 years. The account has passed the statue of limitations. Furnisher is reporting inaccurate balance information. Furnisher is reporting inaccurate business contact information/address in the consumer report. Consumer attempted to contact the furnisher by U.S. mail to dispute the inaccuracies and mail was returned to sender ( please see attached mail image ).
Product: Money transfer, virtual currency, or money service

I opened a CashApp account on or around XX/XX/2020, and deposited {$50.00} to get the account started, and now I can not contact them to have the {$50.00} returned to my bank account! I tried going to their website but received a message saying that page can not be reached!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX. I am requesting that the items i have uploaded circled in red to be removed from my report as they are older than the statute of limitations of 7 years. The account in question is XXXX XXXX XXXX and is too old to be reflected on my report. My other reports have removed this item and I am requesting this item to match all reports.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) account pertains to a transaction and experience that fall under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction. It was reported without my written consent, constituting identity theft as defined by the Federal Trade Commission ( FTC ). Therefore, this account must be deleted from my credit report. 

Firstly, this account is not related to any transaction authorized by me, the consumer. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 

Furthermore, the reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, which includes attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. 

In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. 

Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.
Product: Vehicle loan or lease

I was told Id be able to refinance my loan and now that Ive tried I was told by my lender American credit acceptance that they are not a certified lender and that they cant refinance. I am being charged XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are two accounts reported by Wells Fargo ( WF ) that continue to reage and extend past the 7 year limitation of the FCRA. XXXX is the only one that continues reage, XXXX and XXXX have deleted due to the 7 year. They were due to delete already but XXXX updated the information. I have old XXXX reports showing that they were due to be deleted which I can provide those pages, and the reports with the new data. They were due to delete XXXX, XXXX  and XXXXXXXX XXXX  but XXXX extended the reporting another 6-7 months. I tried calling their referred number and provide my report number as they will not allow opportunity to dispute online.
Product: Debt collection

I've never done business with " assetcare llc '' so I do not owe any debts to them. Please send a contract with MY signature and also with ( MYSELF ) agreeing to pay said amount to your company, or delete from my credit report immediately.
Product: Credit card or prepaid card

I made a payment to my card on XX/XX/XXXX via direct payment from my checking account using the account and routing numbers. The payment was processed by my bank the same day and Processed by Synchrony within 2 days. But now, 6 days ( XX/XX/XXXX ) after payment, they are telling me that my payment is being held for 3 more days until XX/XX/XXXX and will not be credited to my account for use until XX/XX/XXXX. My payment in there system shows " processed ''. There response to this was " However, some times large payments takes times to get updated for various reason. '' I explained that {$300.00} is not a large amount and that it isn't right for them to hold my money XXXX. I cited the Consumer Financial Protection Bureau, XXXX Payments ( a ) General Rule. " A creditor shall credit a payment to the consumer 's account as of the date of receipt. '' That didn't seem to matter to them. So I asked to speak to someone who can help me. They said there is no one available through chat and I would have to call, but that no one would be able to take the hold off of my funds.
Product: Vehicle loan or lease

I reached out to them letting them know I am a victim of theft and that under the act that its a violates the fcra & 1681 and nothing still haven't changed
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I cancelled my membership with XXXX- they continued to charge me. This is not a valid charge.
Product: Student loan

I have been struggling to repay this loan for some time and have also been trying to get the cosigner released for some time as well. Navient would not work with me to lower the monthly payments. Most recently I had a baby in XX/XX/XXXX and have not returned to full-time work yet. I finally, with help from my mother on the call, got Navient to lower the interest rate and provide me with a payment that is affordable. On XX/XX/XXXX we paid {$130.00} as requested in a letter they sent me. On XX/XX/XXXX the payment of {$140.00} cleared and on XX/XX/XXXX another {$140.00} cleared. The next payment is due to come out on {$140.00}. I am in complete compliance with the payments. However, just this week, both the co-signer and myself received correspondence from Navient indicating that the loan was delinquent and on the verge of default. The next day we received another letter indicating that the account was being transferred to the legal department for further collection as we have made no attempts to correct the problem. I believe that both of these letters are violations of the FDCPA and they are false, deceptive and misleading statements about the current status of my account. We called Navient upon receipt of these letters and were told that the letters are automatic and can not be stopped. This means that Navient is aware that letters with false information and letters containing threats that can not be legally taken are willfully being sent out to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received the debt collection notice in XXXX but this matter has been going on since XXXX and could be years before that without my knowledge Company directed me to file a complaint with FTC per my personal information and identity being stolen, used to create two separate utility bills in my name in a different state. Amounts equal to {$800.00} company can not help until confirmation number is given by you and faxed to them to then create police report.
Product: Debt collection

I do n't know anything about this collection. 
I need more information.
Product: Money transfer, virtual currency, or money service

I am writing to 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 that recovering lost funds was impossible and tracking these transactions was not feasible. 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX Balance : {$2200.00} Account Number : XXXX Balance : {$4600.00} Account Number : XXXX Account Number : XXXX 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

I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

This Account have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX ; account number # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/2016 ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.
Product: Credit reporting or other personal consumer reports

Equifax continues to report a fraudulent collection account on my credit file ( XXXX XXXXXXXX ), despite my repeated disputes. XXXX and XXXX have already deleted this account, yet Equifax refuses to do so. I never authorized or agreed to this debt, and the debt collector has failed to provide any legitimate validation of the account. By continuing to report this collection, Equifax and the debt collector are violating my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a debt is disputed, the collector must cease collection efforts until they provide proper validation of the debt. Despite my disputes, this collector has failed to provide any legally required proof that this debt belongs to me. Additionally, under 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report information to a credit bureau that is known to be false or disputed without proper disclosure. By allowing this account to remain, Equifax is aiding and abetting an illegal collection practice. Furthermore, under 15 U.S.C. 1681i of the FCRA, Equifax is required to conduct a reasonable reinvestigation of disputed accounts. However, they continued to verify this collection without providing any concrete proof, which is a clear violation of my rights. They have also violated 15 U.S.C. 1681b ( 2 ) by reporting an account without my written authorization or consent. This false collection account is damaging my credit and financial well-being, making it difficult for me to access loans and housing. This is unacceptable, and I will not tolerate this continued violation of my rights.