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

I have contacted the below companies and XXXX under the CFIPA & FRCA and have instructed them NOT to share my personal nonpublic information with affiliates that they have control over and non-affiliates that they do not have control over. My request has been ignored. XXXX is now and continues to report stolen information. The companies listed below continue to share and disseminate my personal information without authorization, which qualifies to be reported as Identity theft. As a consumer, I expect my rights to be respected, and any unauthorized sharing, use and merchandising of my personal information is unacceptable. I kindly request that the CFPB investigate this matter promptly and take appropriate actions to ensure that my information is no longer shared, used and/or merchandised with third-party sources without my explicit consent. 
Additionally, I would like for these accounts to be removed immediately from XXXX systems, as the continued reporting of my information without my consent constitutes a serious breach of privacy and data protection regulations and may be construed as facilitating identity theft.
Product: Debt collection

On XX/XX/2020, I contacted XXXX  at XXXX to cancel my wireless service. At that time, I was told that I would be sent a final bill. On XX/XX/XXXX, I received an email notification stating the following : Friendly reminder Past Due Amount : {$130.00} Total Amount Due : {$170.00} Account Number : XXXX Date : XX/XX/2020 On that very day ( XX/XX/2020 ) I contacted XXXX  at XXXX and spoke to an agent for 15 mins explaining that I had cancelled by service on XX/XX/XXXX. The agent agreed with the cancellation date and stated I would receive a final bill. 

Yesterday, XX/XX/XXXX, I received a notice from Sequium Asset Solutions informing me that I owe {$170.00}. I have now spoken to 2 agents and only a few moments ago I was notified by XXXX XXXX # XXXX that even though I had transferred by phone number to another carrier on XX/XX/XXXX, I still have to pay for service through XX/XX/XXXX hence the bill for {$170.00}. 

Not one person from XXXX on either the XX/XX/XXXX or XX/XX/XXXX mentioned that I would continued be charged through XX/XX/XXXX. This is deception at every level. Here I was expecting a final bill of approximately {$20.00} only to NOW be turned over to collections for a bill of {$170.00} which no XXXX  employee notified me of or took the effort until explain that I will still have to pay the full bill. Their one and only response is " you will be receiving a final bill. '' On the XX/XX/2020 I was told to expect the final bill in a couple of months.
Product: Credit reporting or other personal consumer reports

In accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 or crimes which antedates the report by more than XXXX 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 card

I used my Chase issued Visa XXXX credit card a couple of hours ago in XXXX. My card product does not have any foreign transaction fees. However, after I came home a few hours later and now that I see the receipt on coming home, I see that the Merchant ( XXXX, XXXX, XXXX ) and their processing Bank ( XXXX ) and VISA XXXX have used a significantly unfair and LOW foreign currency conversion rate ( XXXX per USD ) versus the almost XXXX per XXXX USD. Per the VISA guidelines disclosed to me, VISA is supposed to use the BEST conversion rate on the day. Also, these entities have additionally charged me a 3.5 % Mark Up like a foreign transaction fee! My own Card company Chase does not charge me a Fx fee ; why is VISA, XXXX and XXXX adding on all these UNDISCLOSED charges to me? Please resolve ( Have ALL Merchants STOP this ILLEGAL surcharge ) and refund me the amounts ASAP. Chase Card Services is NOT in the wrong here at all, but instead it is VISA who has violated their terms and abetted such criminal activity.
Product: Credit reporting or other personal consumer reports

I acknowledge receipt of the documents your company provided regarding the alleged debt. However, the information in these documents does not align with the records from the original creditor, raising serious concerns about the accuracy of the balance being reported. Additionally, your company has a known history of adding unauthorized fees, as evidenced in cases such as XXXX XXXX XXXX XXXX XXXX, where the court found your organization liable for emotional distress and statutory damages due to improper collection practices. The precedent established by this case demonstrates your companys tendency to misrepresent debt amounts and continue adverse reporting even after being made aware of errors. Furthermore, the " date last active '' on this account is inconsistent across credit bureaus, suggesting that the account may have been re-aged to your advantage. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. I am formally requesting that you remove the inaccurate information on my credit report to comply with FCRA standards. If these issues are not resolved within 30 days, I will pursue all available remedies, including seeking legal action for emotional distress and statutory damages under the FDCPA and FCRA.
Product: Credit card

Good afternoon, I applied for a credit card with US Bank XXXX XXXX XXXX on XX/XX/2024 and my application was approved for XXXX XXXX 
I opened an account with US Bank and I even set notifications and select cash back categories waiting for my card to be delivered and activated. 
I received the card on XX/XX/2024 but when I tried to activate it the system was giving me an error. I called the Bank and surprisingly my credit card was cancelled without any notification! 
When I asked the representative to explain me what happened she said that it was confidential, and she couldn't give me any detail but I had to wait for a letter. 
On XX/XX/XXXX received a letter and basically, they're accusing me of a fraud attempt! I called several times to receive explanation and clarification, but they just replied that everything is on the letter. I was scared that somebody was using my information as SSN or address or phone number for fraud attempts but the Bank didn't provide additional information. 
I worked in XXXX for 10 years in a XXXX XXXX XXXX XXXX XXXX XXXX and I've never seen anything like this before. You don't authorize a credit line, send confirmation and after one week you close the account ( in good standing ) with no reason and without any notification. You should verify your approval system and you don't analyze any credit request after authorizing it but before! 
My credit score is impeccable ( actually is XXXX in XXXX ), I'm managing multiple credit lines without missing one payment and actually I have liquidity to cover 100 % of my credit lines ( around XXXX ) even if I'm actually using less that 1 % of them. 
I have credit cards with top US banks XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX ) and all in good standing. 
Whoever " valuate '' my position is clearly an incompetent and, in any case, any valuation should be done it before sending any confirmation of approval! 
Now US Bank is penalizing me and hurting my credit score because there's a hard inquiry that will stay for 2 years and there's no correspondent line of credit.

I'm working on my credit score because I want to buy a house soon and another Bank will notice this inquiry and they will think that the Bank didn't approve it because they saw something. It's a false and misleading representation of the reality and it will penalize me. 
Attached you'll find the approval letter with the credit card and the cancellation few days later.
Product: Credit reporting or other personal consumer reports

There is hard pull from my credit report from Citizens Bank. 
I never applied or have a card from Citizens Bank.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

In 2018, I was the XXXX of XXXX. My bank at that time, Key Bank, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to key bank, made libelous, false claims to my bank. She also filed a false police report with the XXXX XXXX  XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. Key Bank, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. Key Bank participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to Key Bank. This claim of me owing money is completely false, as I was the victim of fraud. Key bank actually owes me money!
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates, is not the original creditor. The dates reflecting when the line of credit was opened is false/inaccurate. I did not open any lines of credit on the dates or years they have listed. Please provide proof from the original creditor on the dates the line of credit was opened. The dates listed are illegally obtained and altered.
Product: Mortgage

NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Product: Debt collection

rec XXXX XXXX XXXX, XX/XX/XXXX, paid, XXXX XXXX XXXX XX/XX/XXXX, PAID, XXXX XXXX XXXX XXXX XX/XX/XXXX PAID. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX.PAID. XXXX XXXX XXXX XX/XX/XXXX OVER 10 YEARS OLD XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX XXXX XX/XX/XXXX, PAID XXXX XXXX  XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XX/XX/XXXX. PAID XXXX XXXX XXXX XXXX, XX/XX/XXXX, PAID XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX CLOSED CHARGE OFF XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX CLOSED CHARGE OFF XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED CHARGE OFF
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 with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that the 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

Equifax won't remove collection on my credit report. XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it's needs to be removed from my account immediately. 
Thank you.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX is the original creditor Wakefield and Associates are a collection agency. 
I dont owe any XXXX XXXX XXXX  XXXX and I had XXXX but I was going through an appeal on XX/XX/year>. So I didnt even go to a hospital or use XXXX XXXX XXXX I dont know XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a credit card with Comenity Bank / Caesar 's Rewards once. They requested my credit information 7 times in a short period of time, sometimes multiple times in one day. This was not authorized by me and I would like them to remove these inquiries.
Product: Mortgage

I had tried to apply for help with our mortgage, when I asked if they had any COVID Relief programs they said no because we were not caught up on our payments and until we were caught up on our payments they did not have any programs to help us. We are a low income family already. XXXX XXXX was laid off and I was the only income holder at the time trying to keep our lights on and our internet going with XXXX Children in School. We had been giving them everything that we had but due to XXXX and a preexisting condition I and to quit in XXXX of this year. Now we are near the end of XXXX and may be foreclosed on and I feel that if they would have had help instead of sorry about your luck hear is a forbearance plan and you need to pay up by XXXX.
Product: Debt collection

A company named Portfolio Recovery Associates claim that I have two unpaid accounts with them. The dates the accounts were opened arXX/XX/XXXX andXX/XX/XXXX. The first amount is {$480.00} dollars and the second amount is {$660.00} dollars. I have filed a dispute with all three credit bureaus but I don't believe they have removed these false accounts from my credit report. I have hand written letters to the bureaus also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Equifax Inc and there is no third party involved. Equifax Inc. is reporting inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NC, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Transunion ] [ XXXX, CA, XXXX ] Subject : Dispute of Closed Account with Misinformation [ XXXX ] Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my closed credit account listed on my credit report. The account in question is identified by the account number [ XXXX ]. 

According to the information provided in my credit report, this account is reported as closed. However, there is misinformation regarding the [ Account balance TransUnion has the account at a balance of XXXX but the account balance is XXXX ]. I believe this information is incorrect, and I am requesting an immediate investigation into this matter. 

I would like to highlight that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA mandates that credit bureaus must ensure that the information they report is accurate and complete. If they are unable to verify the information within 30 days of receiving my dispute, they must correct or remove the inaccurate entry.

Additionally, under Section 623 of the FCRA, I would like to remind you that if the information provided by the creditor is incorrect, the credit bureau is required to correct the record and notify all parties who have accessed my credit report of the changes. 

Please conduct a thorough investigation into the account and provide me with the results of your findings as required under the FCRA. If the information can not be verified, I request that the entry be corrected or removed from my credit report. 

Enclosed are copies of any supporting documentation I have, including relevant account statements and correspondence. If further information is required, please feel free to contact me at the provided address or phone number. 

I look forward to your prompt response within the 30-day period. Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been in contact with Professional Finance Company since XX/XX/2021 as of late I have sent documents on XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.. I am a federally protected natural person and consumer and they have breach my consumer rights. Pursuant U.S. Code 1681n and all of its subsections. They owe me compensation granted to me by federal law. Please make not this is my final attempt to settle this mater outside of a federal courthouse. I have attached all documents and an invoice for payment request. The FDCPA allows me compensation for their willful damage and knowing noncompliance of these laws. Their act of piracy and act to damage my consumer report for monetary gains will not be tolerated. I am invoking my specified remedy as a consumer and I expect to receive my just due via federal law. Simply removing this account does not remove their liability and it also doesnt change the gaming affects this false reporting has so to much consumer report. They have caused me monetary damages and also caused me to be denied for further credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts and inquiries listed on my credit report that I have no knowledge of and didn't authorize. This was a a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.