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

I reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, XXXX, and Experian providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.
Product: Payday loan, title loan, or personal loan

I applied for a line of credit with Fortiva through XXXX when a XXXX salesperson salesperson came to my home and completed the application for me. XXXX handled my payments originally, paying using a card I provided when I signed up. My card was stolen, and wgen i updated ymy card with vivint, they did not continue making payments to Fortiva on my behalf. I tried on at least 4 occasions to sign up for Fortiva 's online process, providing the last 4 numbers of my social, my last name, and my borthdate. On no occasions could I complete the registration or payment process online because it came back as account not found. However, the account is available when I call to make a payment, which I did in XX/XX/2023 to provide payment and a card for ongoing payments. However, I just received a notification that my account is past due despite authorizing monthly automatic payments in XX/XX/2023. 

I believe Fortiva is deliberately keeping consumers from accessing online payments in order to charge interest for missed payments. The offer of online payments is in all communications the company makes, both written and electronic, and it is deliberately misleading.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my complaints regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. Zelle has left me and many other users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;
Product: Credit card or prepaid card

Company involved is Paypal. I received a prepaid mastercard in my name with a card number and documents on what to expect with the card on Friday, XX/XX/2021. The card has a sticker on the front with a number to call and activate. I did notice a drop in points on my credit score but thought nothing of it until i received this card. I do have a paypal account that I used for receiving funds from XXXX sales in the past and to transfer money, but I have never in the past year opened a new credit card with Paypal. 

An attempt to contact paypal that day went unsuccessful and another attempt was made Monday morning, XX/XX/2021. The representative could not find any information on file that indicated I had opened a new account or that I had a card on file. He attempted to direct me to a representative within the credit card department to help me but the call was never answered. I will attempt again Tuesday morning, XX/XX/2021 to contact paypal about this problem.
Product: Checking or savings account

I mailed XXXX {$70000.00} personal checks to my friend in MA to do a favor and send them to the hospital for the deposit on my friends XXXX XXXX. This was XX/XX/23. She put the checks in her account expecting a 5 day hold. My {$140000.00} cleared my bank in Virginia on XX/XX/23 but they have never received the checks. Santander Bank XXXX  MA has had a hold on my friends account with her pay checks and my XXXX {$70000.00} checks since they were deposited. Santander sent an email to my bank XXXX XXXX and told them for me to get my money they would have to file a fraud claim. My bank refused because they said I had done nothing fraudulent that my checks were fine because Santander had already cashed them. As of today my friends condition is worsening and they still refuse to give me my money they say it is under review. It has been almost for a month now. Please help me save my friend. Thank you so much. I have documentation if needed. One more thing XXXX XXXX closed my account this week,
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


Experian : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Debt collection

Tore my rep was not being fair. She was able to settle the amount but because I couldnt pay the amount in full, she renewed my debt back to what I originally owed. I wanted to settle for {$6700.00} like she said. My original debt is {$8200.00}. However, Im not able to pay in full. I kept begging her to put me on a payment arrangement and she refused! Seems like greed maybe. Im not sure if the reps get commission on that. Ethically if youre able to offer a payment arrangement then why not do it? I understand the company doesnt have to but having that option would help. This company is doing shady business with XXXX XXXX XXXX in the first place. Went to a seminar and salesman used shady tactics to get me to purchase a package. Which is fine but when I called to refund they told me no refunds allowed. Here i am today stuck with paying off a service that I never used! Im sure XXXX XXXX has other lawsuits similar to my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXXXXXX XXXX, 2022 letter.
Product: Debt collection

In XX/XX/XXXX, I contacted Aldous & Associates to make payment arrangement of debt owed to XXXX XXXX. A payment plan was developed and emailed, however it was scrambled and unintelligible. I contacted the collection agency again on XX/XX/XXXX and a new email was generated with the updated balance owed of {$480.00}. The email also documented XXXX final payments owed : {$230.00} ( due on XX/XX/XXXX ) and {$230.00} ( due on XX/XX/XXXX ). All payments included debt owed to the XXXX ( {$800.00} ) plus miscellaneous fees from Aldous & Associates ( {$430.00} ). My final payment was made on XX/XX/XXXX in the amount of {$230.00}. I called Aldous & Associates on XX/XX/XXXX, to advise that the collection was added to my credit report ( although I was advised that it would not go into b my report due to me voluntarily making payments ). Also, my credit report shows that I have a current balance of {$480.00}, which is not accurate. I explained to XXXX, XXXX XXXX, today that there was false information reported on my credit report. He advised that he could not assist me. XXXX XXXX also advised that I have a balance due of {$11.00}. I advised that I was unaware of any additional monies that were owed and I asked if he could provide a written breakdown of the amount owed, as all fees were previously included in the total amount paid. To add, this information was not included on the email documenting my payment plan. After the agent stated that he would terminate the call, I advised that I would be disputing the debt and I requested the address to the agency. The agent ended the call and sent me an email stating that I have a balance owed of {$11.00} ( which I was never told before today ) and the email also ( falsely ) states that a written letter was also sent to me. Ive never received a letter or a phone call about this NEW debt owed. This collection agency has not been transparent, the agents are demanding and cold and refuse to answer questions, AND Ive been blindsided with this NEW, MISCELLANEOUS fee and the agency can not provide me with any proof that this is owed ( as it was not included in my payment plan ) and theyve never sent me any documentation. I deserve transparency and ACCURATE credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account reporting on my credit I have no knowledge of the account. I have reached out and sent multiple disputes to the credit bureau requesting validation and verification of the account that I'm unaware of doing business with I got no response, I have also reached out to the creditor and neither have responding.The information reporting on my credit report does not match across each bureau. The account numbers per each bureau is not the same, the dates open is not the same per each bureau as well as the balance. No investigation could've been done no remarks of account was in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion XXXX XXXX  XXXX, Sometime on XX/XX/2023 or XX/XX/2023 TransUnion removed me as an authorized user, on a XXXX Credit card, I was an authorized user on. 

I called into TransUnion several times on XX/XX/2023 - In dispute resolution I spoke with XXXX XXXX XXXXXXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX No one could help me at dispute resolution at all. 

- In special handling I spoke with XXXXXXXX XXXX XXXX XXXX who could not help me. 

- In special handling at XXXXXXXX XXXX I spoke with XXXX- with file # XXXX - who told me to call XXXX credit cards to have them do a " reinsertion '' for me as an authorized user back onto the credit card specifically for the credit reports. 

- The person who's card I am an authorized user on, XXXX XXXX, called XXXX, spoke with XXXXXXXX XXXX XXXX XXXX, and she reinserted me as an authorized user. 

I am asking for this to be handled immediately as TransUnion mistakenly removed me as an authorized user - they claimed I disputed being an authorized user on the account ( posted on CFPB # XXXX ) - which I did NOT dispute being an authorized user on the account - TransUnion simply did not report all payments on the account correctly and I asked them to do so. 

Attached to this complaint are : - My drivers License - My social security card - My mailing address - My credit report section on XX/XX/2023 that showed the XXXX card I was an authorized user on with account number
Product: Mortgage

I recently requested with LenderFi this past XXXX to have XXXX  removed from my current mortgage I hold with them. Removal request documentation was received and I responded to it promptly, and an appraisal was ordered. A house inspector came on XX/XX/XXXX and sent results off to an appraisal group that LenderFi is using on the XXXX. Unfortunately, all progress has come to a halt on LenderFi 's end. I have yet to get any status on the XXXX  removal request beyond being told to continue waiting for the appraisal to come back. 

I have tried contacting LenderFi three separate times by speaking with customer service to get a status update. However, I keep getting the run around and told to check back in two weeks every time I call. Last time I spoke with a customer service rep on XX/XX/XXXX, I was told to continue waiting until XX/XX/XXXX. Unsure how an appraisal should take this long considering if this was a house purchase this would be totally unacceptable, yet when its the bank that stands to lose monies collected for XXXX  its okay to be dragged out for months.
Product: Credit reporting

I have been disputing multiple collections that continue to report on my credit file. Of these collections, I have supplied the necessary documentation that would allow for Equifax to remove immediately. These collections are with XXXX XXXX XXXX, account numbers ; XXXX & XXXX. I am attaching a letter from the collection company that I received yesterday that Equifax has refused to remove accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

In XXXX XXXX I took out an internet installment loan from XXXX in the amount of {$2400.00}. I made several payments to them before finding out that this type of loan is illegal in my state ( Virginia ) as it was originated online. I contacted XXXX and offered to pay what I received minus interest as the loan was illegal. XXXX advised that they would no longer pursue collection on the loan. Fast forward to XXXX XXXX the loan was charged off and purchased by NCB Management. XXXX has never contacted me for any payments or reported any information regarding the loan on my credit report. In XXXX XXXX NCB Management reported an outstanding debt of {$2900.00} on my credit report on all XXXX credit bureaus. I contacted the XXXX and advised that I had no knowledge of this account from NCB and requested that they validate the debt. NCB responded that it was an account from XXXX. I contacted NCB by phone directly to see what needs to be done to remedy this issue. They advised that I needed to pay {$2900.00} ( principal plus interest ) to remedy this. They have also continuously called me at home, work and my personal cell phone in an attempt to collect this debt. I advised that this loan was illegal in my state but that I would attempt to resolve it after looking into this further. The representative has continued to contact me at work yelling at me that I owe this money because I took the loan. I am now reaching out to Consumer Finance to see what options I have to resolve this. I am requesting that this account from NCB Management be removed from my credit report as it is from a debt that is illegal in my state that I attempted to rectify with the original creditor.
Product: Debt collection

My one and only encounter with LJ Ross Associates : On XX/XX/XXXX my credit score suddenly dropped 150 points from XXXX to XXXX. Research showed this was due to a collection report filed by LJ Ross. Upon calling LJ Ross, it proved difficult to obtain information on the fraudulent report. After being transferred to a supervisor who only identified himself as " XXXX '' I discovered the alleged creditor was XXXX XXXX XXXX XXXX. 

I called XXXX to inquire about the problem and they told me there was a charge to my account over 4 years past the point I had sold the property and asked them to cancel the account. XXXX said they would correct the clerical error and show my account closed in XX/XX/XXXX, thus invalidating the XX/XX/XXXX charge. 

The issue here is LJ Ross ' tactics to contact me. In lieu of sending a letter or making a phone call, they elected to obtain my immediate and undivided attention by reporting the fraudulent collection to XXXX, XXXX and XXXX. Perhaps legal, but this action is highly unethical. Their utility company clients engage their services under the presumption of adding some value to the process. What 's the value of libeling a former customer who has paid XXXX over {$50000.00} in the course of 24 years?
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : GA 'S XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX 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 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 reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX