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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received four phone calls from Sunrise Credit Services, each on Friday during my working hours. 

Each week they have called I have made it explicitly clear that it is inappropriate to contact me during hours I am at work. Each time the person I am speaking with has stated there are no notes in my file regarding my assertion of inappropriate call times, despite the previous caller assuring me they were noting these restrictions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting a complaint again because this is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5500.00} XXXX
Product: Credit reporting or other personal consumer reports

I called XXXXXXXX XXXX XXXX XXXX to dispute the 30-day late report that is showing on my credit bureau report . They told me they could no longer remove the payment history on their end and told me to submit a complaint for the dispute to go through the proper channels to be removed from my credit report. I opened this credit card on XX/XX/XXXXXXXX  over 22 years ago. I was more than 30 days late for the first time XX/XX/XXXX, which has impacted my credit score dramatically. I was told I can dispute and it would be removed. Please help me get this to the correct individual that can get this 30 day late payment removed from my credit report.
Product: Checking or savings account

Ive been a loyal customer with Wells Fargo for 10+ years. Ive never had an issue with them until recently. I was a victim of theft and some unauthorized charges reflected on my account because of this issue. After reaching out to them and explaining my situation they submitted my claim for review. After almost a month I get sent an email stating that they denied the claim. Can you imagine being held responsible for almost {$300.00} worth of charges that were not yours? The claims department told me there was nothing more we needed from you I made myself available for follow up and was willing to provide supporting documents to help prove my position but they took it upon themselves to shove these {$300.00} down my throat and repeatedly say it was denied. Im terminating my relationship with them and will express my frustration on every possible platform. I took it upon myself to encargare my friends and family to terminate the relationship with them as well. I feel completely unappreciated. Shame on you!
Product: Student loan

XX/XX/2023 spoke with Aidvantage XXXX XXXX on issues regarding inaccruate information at XXXX am. He tried to help with dates of when my student loans will be XXXX on my account for student loans forgiveness. Orginally was informed 7 mos it is now 8 mos from XX/XX/2023. My loans were forgiven 100 % per XXXX of XXXX and then I spoke w another rep who asked me when do I want to repay my loans. Informed me interest and charges will accrue. I also spoke with another rep who informed me XX/XX/2023 for final resolution, then was informed I need to request additional documentation from Dept of Education. I spoke with another rep at Dept of Education who informed me that AidVantage has all the paperwork. 

I call every week for updates as I am trying to purchase a home but denied due to the student loan showing on the tradelines. Since my student loans have been sold every time I am not getting direct answers. I want this off my tradelines and showing zero balance due. Also I should not be charged interest nor being requested to repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm a consumer 15 USC 6802, financial institutions may not disclose non-public personal information to any non-affiliated third party. No credit union has got my authority have asked for my Authority or have received a call from me about they can use my Consumer Report. Also 1681a ( i ) ( ii ) ( iii ) exclusions late payments and utilizations are not part of the consumer report and is not a factor in anything on my Consumer Report and should be removed and all laws that I have stated all credit companies have to abide by these laws or will be sued to the full extent of the law. An last 15 usc 1681Q Oblaining information under false pretenses, reading permission must be given and no written permission has been given These items that I document and state or over 108 violations with all credit companies I would like everything on my Consumer Report removed. 

All accounts are for remove XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXX on the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX XXXX XXXXXX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both Mr. XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But Trans Union and XX/XX/XXXX both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However Trans Union and XX/XX/XXXX decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Product: Money transfer, virtual currency, or money service

On XXXX  XXXX of this year, I tried to pay someone on Venmo and they gave me the wrong user name. Venmo apparently can't help me and the person i sent the money to wont give it back. The user name the gave me was " XXXX '', but apparently the correct user name was " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon! 

I have attempted to contact Transunion to remove unauthorized inquiries to no avail. I have reached out via email, mail, and by telephone with no assistance at all. I advised them over the last year, there were a total of 32 inquiries on my report. XXXX  has shared the fraud details to Transunion yet they refuse to remove them. I need help. Please!!!!!!!!! This is ruining my credit. Also, the details associated with my bankruptcy is not correct. They did not check with the courts because the courts do not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : all FCRA violtions XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX CARD Account Dispute Reason Selected Edit Payment never late Comments Edit send proof of late payment RemoveXXXX  XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit never late send proof RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  -Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX - XXXX ( b ) ( XXXX ) XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX  account # XXXX {$220.00}, XXXX account # XXXX {$0.00}, XXXX # XXXX {$860.00}, XXXX  account # XXXX {$55.00}, XXXX XXXX account # XXXX {$30000.00}, XXXX XXXX XXXX {$9500.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX 2023.I filed a claim with bank of america edd card services.I never received my card.Bank of america told me that within ten days I would received a temporary credit.I have not received anything.Its been over ten days.When I called today to ask about the credit the person at Bank of america told me that my claim was still pending.Bank of america is suppose to give a temporary credit when fraud is involved.I haven't received any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

We opened this account in XX/XX/XXXX and paid on time each month until XX/XX/XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX XXXX Bank of america - XXXX Bank of america XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two inquiries on my credit report with the data furnisher and the data furnisher replied to me telling me that they were going to send a request to Equifax to have the two inquiries in question deleted from my credit report. This was around two months ago and still the inquiries are being reported on my credit report. I dont know why equifax wont delete these inquiries if the data furnisher is telling them to do so, I have the response from the data furnisher and I will include it in this complaint. The inquiries are XXXX   and inquiry dates are XXXX/XXXX/2018 and XXXX/XXXX/2018.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX to which now L J ROSS ASSOCIATES, INC the debt buyer have been reporting the open account open and active since the purchase to which XXXX have charged off and closed the account prior selling it to L J ROSS ASSOCIATES, INC
Product: Credit reporting

This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.
Product: Debt collection

First and foremost, I checked no to fixing this debt because I do not know what debt this apparently is. 

Secondly- a lady called my father today XX/XX/2023 telling him because he is my father he has to give her my information and because he's not shes going to send the detectives and have me arrested. 

Thirdly- someone called my husband from an XXXX number and it was a recording saying that I missed a delivery and they need my contact information for delivery. 

My father/mother 's information is XXXX, XXXX and XXXX My husbands number is XXXX I have never received any calls no nothing. No calls, emails, no letters and or bills in the mail. 

The company was XXXX and the number was XXXX XXXX XXXX XXXX
Product: Mortgage

I find it deeply concerning, while making amends to my bad credit due to a loss of my job in XXXX, that I am unable to obtain a lender 's blessing for a mortgage! Posted all over the internet are the claims of obtaining a mortgage even with bad credit! After 4 different applications no one is willing to give me chance!! XXXX receive second chances or even more regardless of their past behavior. Why ca n't I obtain a First Time Homeowners mortgage after a ONE time issue in my life with credit that was n't my fault? Please tell me who will give me a mortage with my credit?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX ( Charged off ) -- {$22000.00} XXXX XXXX XXXX  # XXXX ( Charged off ) -- {$21000.00} XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was given a loan payment amount that was above what I could afford. I advised as to what I could pay and they would not accept it, rather they suggested that I either defer my payment or get the income based repayment plan which put my payment at XXXX which means that interest is compounding which will make it impossible to pay back. I cant afford to pay them back and they provided information that is hurting me more than helping me. I even inquired about lowering the interest rate and I was told that could not happen. I will be in debt until I die due to the unwillingness of this company to be honest about the way payments, and options and billing are handled. They manipulate us by telling us that there is no other option available. I have XXXX children at home, XXXX that will XXXX in 2 years, so I will be trying to pay for his education along with paying for mine which is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ;
Product: Mortgage

I wish to file a complaint against Quicken Mortgage loans. I feel that there initial Mortage qualification process is unfair and inadequate when it comes to eliminating the need to unnecessarily adding a a hard inquiry to my credit report which in turn reduce my credit score by a few points. A few points in my case is a tremendous detriment that pushed me from one demographic to another financially. There are certain criteria that Quicken use that will disqualify an individual from being able to acquire a loan from quicken. In my case the criteria was that of child support arrears payment that were current. I feel that Quicken has been in this industry for a long time and they know what criteria will disqualify an individual. This criteria can be ascertained early on in the qualification stage so as to eliminate a derogatory credit pull on a consumers credit, as is the case with me. Their current process of pulling credit as a first resort is unfair and unnecessary.
Product: Money transfer, virtual currency, or money service

XXXX. XX/XX/XXXX- I purchased around {$10.00} of XXXX  using my PayPal account balance and was unable to transfer it as my account was blocked. Daily follow-up with PayPal Customer Service did not help as they said it was a system issue that they could not override. 
My account did not get unblocked till XX/XX/XXXX, causing me considerable loss of finances due to my inability to transfer my XXXX  in a timely way. 

XXXX. XX/XX/XXXX- I purchased {$100.00} of XXXX using my bank account and AGAIN my account was blocked. The account was not unblocked till XX/XX/XXXX, by which time i had already lost over XXXX % of my account value due to this delay from PayPal. 

XXXX. XX/XX/XXXX - I purchased {$40.00} of XXXX using my PayPal balance and AGAIN my account was blocked. 

Despite following up daily multiple times with the PayPal CS team, I am not getting any satisfactory response from them as to why this problem is recurring and nor are they able to identify the reason for this issue or give any assurance that it will not recur.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft.