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

TransUnion has placed two items on my report, despite previously removing them. I have submitted police reports from various agencies and an FTC identity theft report in the past. I am listing the information below that needs to be removed. It consists of 2 accounts and 7 inquiries. 

I am attaching another identity theft report. Any additional information should already be on file.
Product: Debt collection

Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ Insert Filing Date ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting. 

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting all three credit companies, they are listing incorrect data, even the wrong social security number. I cant get get access to any accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, PNC Bank account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States 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: Credit reporting or other personal consumer reports

I am submitting this complaint to address the failure of the credit reporting agencies XXXX, Equifax, and XXXX to remove a fraudulent account from my credit report, despite providing substantial evidence of identity theft. 

Background : Fraudulent Account Information : Account Holder : XXXX XXXX Fraudulent Account : XXXX  XXXX XXXX, Account Number : XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Total Fraudulent Amount : {$2500.00} FTC Report Number : XXXX Dispute History : I have been disputing the aforementioned XXXX  XXXX XXXX account on my credit report for several years. 
XXXX has consistently refused to remove a fraudulent address ( XXXX XXXX XXXX XXXX ), claiming it is associated with the disputed XXXX  XXXX XXXX account. 
Explanation and Discovery : Upon investigating the fraudulent account and associated address, I made the following critical discovery : The address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX is linked to a company named Consumer Direct. I have never resided at, visited, or had any dealings with this address or the company. 
The association of this address with my XXXX  XXXX XXXX account clearly indicates fraudulent activity. It suggests that someone within or connected to XXXX XXXX has been using my personal information to open fraudulent accounts. 
This discovery was crucial in understanding the scope of the identity theft. It reveals a potential organized effort to use stolen identities for fraudulent financial activities, which may involve multiple individuals or entities with access to sensitive information. 
Evidence Provided : FTC Identity Theft Report : I have submitted an official identity theft report to the Federal Trade Commission ( FTC ), detailing the fraudulent activity. 
XXXX XXXX : A screenshot from XXXX demonstrates the fraudulent address association with XXXX  XXXX XXXX. 
Requested Action : I request the removal of the fraudulent XXXX  XXXX XXXX account and the associated address from my credit reports with XXXX, Equifax, and XXXX. 
Despite my repeated requests and the provision of supporting documentation, the credit agencies have failed to take appropriate action. 

Conclusion : This is a critical matter that has significantly impacted my credit standing. The discovery of the link to XXXX XXXX underscores the severity and complexity of the identity theft. 

Supporting Documents : A copy of my FTC Identity Theft Report A screenshot from XXXX showing the fraudulent address association Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never gave approval, nor have i gave oral nor written permission for anyone to do that.MY INFOMATION WAS EXPOSED IN A DATA BREACH, AND WREKED MY CREDIT REPORT .This issue Must be Resolved ASAP. pLEASE DO NOT MAKE THIS DISPUTE A THIRD DAY DISPUTE, UNDER SECTION 605B, MY REPORT MUST BE CORRECTED, TO ITS PROPER STANDINGS. I have countless inquiry 's of places i haven't even been in my life, but yet i have hard inquirys everywhere tradelines i never even seen before.i bank with only one company and thats XXXX XXXX, so any information.must be removed, according to section 605b consumer law.
Product: Mortgage

This is a continuous complaint to complaint id XXXX. XX/XX/2019 I made payment to my mortgage company, it was returned due to me having fraud attempts on my bank account. Once I found I contacted my bank immediately to resolve this issue. Issue was resolved and I contacted the mortgage company to apologize and to resubmit payment. Payment was accepted and was advised by XXXX that the returned payment took me out of the modification program. I asked her why she said because during the trial payment I am not allowed to be late or have a payment returned. I continued to dispute it as I am no longer on the trial payments as that ended in XX/XX/XXXX and now XX/XX/XXXX placed me in the stage of starting over, which means I complied with the trial and am now given an opportunity to start fresh in XX/XX/XXXX. As the Agreement that I signed did not state that "if a payment is returned that the modification Agreement would be terminated". I have attached a copy of same for your review. I have attempted to make my XX/XX/XXXX mortgage payment under the modification agreement and was advised that it would not be accepted and I received a notification from XXXX and XXXX that LoanCare has marked my mortgage payment late. I am in desperate need of your help. I am a XXXX mother of XXXX kids and I am trying my hardest to keep my house but this company is doing everything possible to keep me from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts several times with XXXX ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.
Product: Mortgage

My lender is asking for documents that dont exist, such as property insurance bill which is handled by them ( lender ) and I do not have, as well as the fact that they asked for documents on XX/XX/XXXX and set a deadline for XX/XX/XXXX not nearly enough time for me to send all documents requested.
Product: Credit reporting or other personal consumer reports

Experian makes it impossible to freeze my credit. I attempted to do so online, multiple times, and kept receiving a message that it couldn't verify my identity ( despite my entering all of my personal information ) and that I had to call to complete the freeze. 

I called the number provided multiple times, but was stuck in an endless loop of robo 'autmated assistant ' that only offered to read me the instructions to do it myself or read me the website address. I tried many times to ask for human assistance in every way I could think of, and it kept just reading the menu options. 

I've searched the Experian webpage for some other contact method, but the only option seems to be the one phone number that offers no actual help. 

I recently froze my credit with the other credit bureaus using their websites and it was nowhere near this much hassle. Clearly Experian wants to discourage people from taking any step to protect their identity, because that must not be profitable to them.
Product: Debt collection

Mariner Finance is a fraudulent loan service company. The Branch Manager XXXX XXXX commits : fraud, forgery, extortion and shady business practices. Mariner finance preys on unsuspecting poor victims and deceits them into high interest paying loans that most can not pay. Check their default records, it is over 80 % loan holders are in default. My elderly mother obtained a loan from them and they said they will charge her 5 % interest rate but after reading carefully between the lines, they put a clause in if she is late one payment, they are charging her 57 % rate and cited because of her age! That is also discrimination! I do not even know how that is possible. Mariner Finance needs to  investigated, especially the XXXX Branch. The branch manager XXXX XXXX forges peoples names and helps people who do not have ability to repay for loans qualify and obtain them. She uses fraudulent information and sends to loan company to obtain the funds. This is fraud and shady business practices. I also strongly believe that Mariner finance is  committing Tax fraud and personally XXXX XXXX is the ring leader. I strongly believe that Mariner finance needs to be investigated and XXXX XXXX needs to be STOPPED from harming peoples lives and drowning them in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERIC A (  FIA CARD SERVICES ) ARE VIOLATING THE DODD-FRANK  WALSTREET REFORM A ND  CONSUMER PROTECTION ACT. T HEY ALONG WITH ALL CREDIT FURNISHERS ALLOWING  XXXX  TO SUPPRESS CONSUMER CREDIT REPORTS WHILE DOING BUSINESS WITH THEM. IS A UNLAWFULL, IN ADDITION PAY  XXXX  MILLIONS IN REPORTING FEE  ; S.      SHOULD YOU NOT CORRECT THIS MATTER WE WILL FILE A CLASS ACTION AGAINST   XXXX   AND ALL CREDIT FURNISHERS TO WHOM FAIL TO ADDRESS THIS MATTER DIRECTLY WITH THIER  XXXX  LEGAL DEPT.      XXXX  DATE NOTICE TO FILE SUIT.
Product: Debt collection

Collection Bureau of America has been attempting to collect debt I do not owe. I have attempted to get information from them and they sent me statements that are not mine. There has no proof with a written, signed contract that I owe this debt. They are claiming that I owe them a debt when I have no signed contract with them. 

This is in violation to my right to privacy, which Collection Bureau Of America has violated 15 U.S.C 1681. Also furnishing information to Credit Reporting Agencies without my written permission-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681s-2. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 6802-Obligations with respect to disclosures of personal information- I have never done business or owe debt to Collection Bureau of America and claiming that I owe debt 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES.
Product: Credit reporting, credit repair services, 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 Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX Account # XXXX  XXXX XXXX. XXXX EXXXX  - Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX Account XXXX 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 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

i called citibank and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, and Equifax Credit Bureaus has 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 items that are reporting on my Credit Reports : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXXXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax hard inquiries XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see some of these hard inquiries are the same i placed a fraud alert on all three reports XXXX Equifax and XXXX I did not authorize any of these inquiries
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in lightof the recent CFPB lawsuit highlighting signficant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 safely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reports to the credit bureaus once per month. I've had my card since 2014 the reporting has always been 3-5 days after the close of my statement which is the XXXX of the month. Before the end of my statement, I always pay my balance in full to {$0.00} and that is what is usually reported to the credit bureaus. In XXXX as usual my balance was reported as {$0.00} after my XX/XX/XXXX statement date. I made a charge of {$160.00} on XX/XX/XXXX which would be included on my new statement which would end on XX/XX/XXXX. Well Capital One reported that {$160.00} charge as the balance on my account on XX/XX/XXXX to the credit bureaus well before my statement date. I called them when I saw my utilization for that card had jumped from 0 % to 82 % this lowering my credit score. On XX/XX/XXXX I was told by a supervisor that it was a mistake on their part and they would issue a mid-cycle update to the credit bureaus which should take a " few '' days to update. I asked again to clarify and was told it shouldn't take more than 3 or so days. After 4 days went by I called again and the supervisor I got that time said they didn't see any record of the conversation or notes that they were going to submit that mid-cycle update as I claimed. Obviously I got frustrated but she went in the system and came back and said she did the research and indeed saw the request was submitted. So today I called which is 10 days after my initial phone call to ask why they haven't sent anything to the credit bureaus yet and they agent I got went to a supervisor and they told me it could take 40 days to complete the process!! So now I am taken aback. What is the point of submitting a mid-cycle update for an internal mistake if it's going to take 40 days to update. By then the new cycle would have passed twice and the balance is already paid anyway so this is not helping me at all! I was given misinformation and Capital One is refusing to promptly fix an error they made. I know enough about credit reporting to know once they submit an update the credit report will change almost right away so this fix is as simple as Capital One sending the update but they are refusing to do so. It certainly didn't take them 40 days to submit a balance that shouldn't have been submitted but it takes 40 days to correct that mistake? Doesn't make sense to me and I feel nobody there is trying to help me. I would like my credit report updated immediately.