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

I call Experian and told them to remove these fraudulent inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1993, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I refinanced my mortgage with Freedom Mortgage on X/X/16. It was never disclosed to me my previous escrow balance would be used to pay down my current mortgage. Furthermore I specified to my representative I did not want my escrow used to pay down my loan, nor did I sign anything authorizing this action. I was assured this would not happen. Three months after my refinance, I realized my mortgage had gone up substantially. When I called to find out why, Freedom Mortgage explained to me they charged my account for a shortage in my escrow account and raised my monthly mortgage payment to cover the shortage. After further research, I discovered Freedom mortgage did use my escrow to pay my loan down. I have reached out to Freedom Mortgage several times to address the matter with no resolution.
Product: Vehicle loan or lease

I just checked my report and realized credit acceptance has listing the fraudulent account as late even after the repossession. It shows on my account that the vehicle has been late every month. That there is XXXX late payment. And XXXX  hasnt owned the car for XXXX  months. After that repossession there was no agreement in place to pay anything monthly. So whats late? They still have the full balance showed on my credit report. But to mark something late after an account was closed and there wasnt an agreement to pay is straight up illegal! Also there were belongings left in the vehicle worth a lot of money me or XXXX  never retrieved due to towing agency saying accusing me making threats I was told all our belongings was thrown away. So how will we be reimbursed for all the belongings taken and thrown away
Product: Credit reporting or other personal consumer reports

Experian is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX, XXXX, MA, which should be correctly stated as XXXX XXXX XXXX, XXXX, MA XXXX. The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Experian is a breach of my federal consumer rights. Moreover, Experian has not been granted any written consent from me to report these inaccurate late payments on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Experian has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that Experian remove the incorrect address of XXXX XXXX XXXX. XXXX, MA XXXX from my report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Product: Checking or savings account

Hi I opened a chase business bank account and deposited a check for my business on XX/XX/10, after 2 business days the money was cleared and available to use but my account had been restricted. I reached out to chase and they said they had to verify the funds with the issuer. I spoke to the issuer XXXX from XXXX XXXX and she told me chase reached out to her and she cleared the funds. I call chase later to be ambushed with questions of why I was receiving a check for that amount I immediately felt disrespected and gave them my info. A day later I get a call from chase that they couldnt verify the funds and they would be closing my account with no explanation this is inconvenient and my money is sitting in a restricted account that I cant access, please help me or let me know what I should do. Attached I have documents of everything, my business name is XXXX XXXX XXXX Account number XXXX
Product: Debt collection

XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever
Product: Checking or savings account

I recently opened a new account with checks disbursed from an estate account. I was a new customer and never had an account with this bank. I knew there would be a hold to clear the checks. That is where the nightmare began around day XXXX or XXXX I was getting notification that account would be closed if more information wasn't provided. I called in and they were stating they needed to call the personal representative and verify the checks. After multiple attempts the XXXX informed me the got the information the needed and would release the funds. On day XXXX of the hold the funds were made available. A week later I received a notification that my account balance was low, I was confused because I had never used it. I logged on to my account only to find my accounts and money were gone. I went into shock thinking the worst only come to find out after calling in that they said they were not able to verify the funds. Chase never reached out to me or notified me. I had to find out when I logged into my account after receiving a text notification. I provided legal court documents to the Chase legal department showing confirming the personal representative and the estate and they still said they needed to talk to the personal representative. They finally were able to speak to the PR and she verified that the checks were good and the amounts but Chase wanted more info and PR would not disclose personal information. So Chase after receiving verification that the checks were good but since the PR would not disclose SS # Chase still is withholding my money. How can a major financial institution release the funds and a week later take it all back without letting me know. My lawyers have called verifying everything and still Chase does nothing to resolve this. All my years I have had banked with a lot of banks and without a doubt this has been the worst treatment and experience I have ever had. They will not give my checks back so that I can go to another bank. What ever I do they continue to give me the run around.
Product: Debt collection

letter received XX/XX/XXXX from WAKEFIELD & ASSOCIATES with account XXXX listed. they claim a debt is owed. In what could be construed by their actions to be an apparent violation of the Fair Credit reporting ( and collecting ) Act. by refusing to allow me to settle with the original creditor ( IF in fact i owed anything ). after reading the account number and confirming who i am ( as they requested ) my request was then met with more requests for sensitive information ( DOB ).

After TWO attempts to get this information. I am still not able to execise my rights as a debtor. please let me know WHO says they are owed money. Additionally, may I ask are there any ( unknown to me ) reasons why this debt collector is NOT SUBJECT TO YOUR JURISTICTION.? thank you
Product: Debt collection

I used to have a credit card with XXXX XXXX  which was sold to Steinger and Steinger debt collector Steinger and Steinger filled a law suit against me for the owed amount and they had a garnishment against my salary XXXX the payroll agent deducted the amount from my paycheck on bi weekly basis till the last XXXX but Steinger and Steinger still stating that the last amount was not sent to them by the court therefore they are still reluctant to update my credit report. 
Steinger and Steinger is asking me to contact the court and ask them why they have not sent the last payment however I believe Steinger and Steinger are the one who is responsible to contact the court and not me.

Steinger and Steinger keep reporting my account is late and not paid in full however the money was fully deducted from my salary.

Please help me from the debt collector who are damaging my credit report for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my XXXX. Or 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I agreed to sell future payments totaling {$390000.00} for a purchase price of {$35000.00}, calculated at a discount rate of 9.79 %, which is greater than the IRS probate rate of 5.80 %.. J.G. Wentworth provided a {$2500.00} advance in XXXX but failed to deliver the remaining funds by the necessary date of XX/XX/2024. I communicated that if the rest of the funds were not provided by this date, I would not require the loan and wished not to proceed with the transaction. 
I Despite my clear instructions, J.G. Wentworth processed the loan beyond the specified date without my consent. Subsequently, on XX/XX/2024, I received a text message from J.G. Wentworth threatening to file a UCC lien against me if I did not return their call regarding the stipulated agreement. This action appears to be in violation of the California XXXX Fair Debt Collection Practices Act, which prohibits such threatening behavior in debt collection.
Product: Money transfer, virtual currency, or money service

my problem happened XX/XX/21. XXXX Coinbase Case # XXXX ) I made 4 conversion trades that all went through smoothly. Later that day I looked at my bank account and see 4 separate {$100.00} charges from coinbase that correspond to the 4 conversion trades I made. Mind you, conversion trades between coins charge no fees. So I contacted Coinbase support, explain the situation and get an automated response that a ticket will be opened and they will look into it and get back to me. Later that evening as I'm trading away my account is locked!? I check my email and sure enough I got a reply from Coinbase support! They tell me they are " locking my account while they investigate, but my funds are safe! '' So they have my {$6000.00} dollars in a volatile market which I do mostly swing trades and lock it. How does that make my funds safe exactly? My account is secure and has not been hacked. Coinbase simply charged me {$100.00} for each of my small swing trades! Today ( XX/XX/21 ) I get an email saying " my case is closed '' NO other information, no resolution and my account is still locked and have no idea where any of my money is now! They now don't respond to emails and if I try and open a new ticket they just merge it with the now " case closed '' ticket. I have never in my life had such poor experience with any company. especially one that is supposed to be # 1 and going public on the XXXX!
Product: Mortgage

I refinance my mortgage with Navy Federal Credit Union on XX/XX/2020 with the interest rate of 3.375 % 15 year fixed. My account information reflects a higher interest rate than what I agreed to in the closing documents. I have contact Navy Federal to correct the issue but there has been no resolution on 2 weeks.
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report, I ran across some accounts that weren't belonging to me. I don't know how these companies got my information or even reporting on my report. These accounts do not belong to me whatsoever. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you remove this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Trans Union on XX/XX/XXXX. More than 30 days have passed, and they have not responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

I had a private loan with Navient ( recently moved it to XXXX ) for grad school in XXXX and XXXX. I filed for bankruptcy in XXXX of XXXX. I was told that my Navient loans wouldn't be a part of my bankruptcy and that I would have to continue to pay on them. I don't believe that this is the case, and have tried to rectify this for year. 
thanks XXXX XXXX
Product: Credit reporting, credit repair services, 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law it is my rights as a consumer.
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. 

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  XXXX  XXXX XXXX Account number XXXX, has violated 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.