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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Debt collection

I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING WRONG INFORMATION ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX IS NOT CORRECT AND TRANSWORD SYSTEM XXXX IS INCORRECT. I HAVE TRYED TO FIX THIS ISSUE WITH THEM BUT NO HELP.
Product: Student loan

I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : 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 would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX TransUnion : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX
Product: Vehicle loan or lease

Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.
Product: Mortgage

My husband and I were approved for a mortgage with Endeavor America, almost a month later the lender changed the terms and established a deadline which stated we needed to close by XXXX XXXX. Endeavor never notified my broker, agent or myself in writing or verbally of this new deadline. My team pushed to get the loan closed by XXXX XXXX for other reasons but was told by the lender that they did n't have anyone in the office who could complete our loan because everyone was on vacation or was busy working other files causing us to miss their newly imposed deadline they never told us about. Sometime in XXXX we received a call from the Endeavor underwriter, during that call she explained that they ( Endeavor ) made a mistake by not notifying my broker and agent and that they were sorry for the inconvenience. She also stated that my broker and agent was completely unaware of the newly imposed deadline because she had somehow missed putting the notification on the approval and never sent the new terms. In XXXX my broker spoke with an Endeavor representative about another file and was informed that " they do n't do that type of loan any longer '' so my broker asked " what about my XXXX file '' and the representative told him everything was fine. Shortly after we were notified of the cancelation. They then told us they would only make the loan if we gave them an additional XXXX XXXX XXXX dollars when our original down payment was around XXXX XXXX dollars.
Product: Credit card

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. XXXX and remove them.
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 XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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

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. 

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 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Not able to get the money that was sent to me on zelle
Product: Credit reporting or other personal consumer reports

I'd like to emphasize that Experian 's resolution process is unacceptably slow. It has been over 45 days, and I have yet to receive any feedback from them. Additionally, the information furnished by XXXX on my credit report shows minimal to no updates or changes. There are discrepancies between their information and that provided by Experian. 

Please note that XXXX XXXXXXXX XXXX XXXXXXXX was removed from XXXX back in XX/XX/2023. I am unclear as to why XXXX and Experian are taking so long to remove it from their records. 

Due to the continued inaccuracy of their reports, lack of transparency regarding their verification methods, and misinterpretation of the account, I have filed an identity theft report through the FTC to assist me in having this account deleted.
Product: Debt collection

i am trying to move and the debt is hindering me from moving forward i do not owe debt to XXXX XXXX   XXXX XXXX i moved into the unit XX/XX/XXXX and moved out XX/XX/XXXX i sent in all supporting documents from vice president and management team even the rent payment stating my balance with XXXX XXXX   XXXX XXXX was a XXXX balance and I'm am still being harassed about the debt and its also still on on my credit report reporting from IQ DATA INTERNATIONAL
Product: Credit card or prepaid card

I need the late payment removed from my credit. I was late due to XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX an unknown vendor, XXXX XXXX, with invalid email address used one of my listed cr. cards on XXXX account to charge {$790.00} for an electronic vipe machine. I disputed this charge as soon as I saw this amount on my Chase United cr. card. Since then this case has been declared as 'valid charge ' by Chase XXXX Chase did not provide full investigation details such as vendor address, vendor phone #, nor a valid email. By my persistance, Chase had to open the case several times and they came back with same answer. On XX/XX/XXXX XXXX XXXX from Fraud DptXXXX, myself and XXXX representative XXXX XXXX XXXX  had a conf call and XXXX agreed this charge didn't come from same IP address as my last 2 transactions with them. Chase requested a letter from XXXX confirming this was not authorized by me. On XX/XX/XXXX I finally received this letter from XXXX agreeing and confirming this was not authorized by me. XX/XX/XXXX, I just had a call from Chase - bad connection but this representative said the charge was valid. I couldn't have a clear connection and I had to reply I do not agree with this call and hung up. 
Chase requested documentation which they now have and yet they once again claim this is valid charge. If I could please have someone to help with this matter I would really appreciate. My credit is in good standard and because of this fraud charge I am afraid to have it damaged after so many years of good payments. I am not accepting such debt and feel I need a lawyer to defend me. I have paid off my Chase accounts several times and they are not defending nor helping resolve this matter. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Amount : {$1500.00} Action taken : account was disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a dispute letter ( certified mail ) on XX/XX/XXXXXXXX  requesting to look into some disputes. My request was not fully looked into. I never received an updated report of all disputes. I send that same dispute request on XX/XX/XXXXXXXX  its still pending. I decided to call today XX/XX/XXXXXXXX  and spoke to XXXX. XXXX stated they have not received any type of documentation from me and there was no pending disputes. I continued to tell her I have certified documentation showing they signed for it and on my membership with Transunion, I could physically see 1 dispute. She then transfered me to a supervisor named XXXX. XXXX refused to look into the inqury disputes. I have tried to reach out to creditors and have gotten no where and wanted transunion to investigate these disputes and they said they don't investigate inquries. They are the reporting agency and are suppose to report accurate information and if not accurate to investigate but they refuse to do so. He also told me that if I contact the creditor and don't receive a deletion notice then my other option is to leave them on my credit for 2 years. He also mentioned a FTC report but I don't feel comfortable reporting an unrecognized charge as a fraud charge without it being verified/investigated first. I only requested transunion to investigate these inquries for accuracies and they refused.
Product: Debt collection

I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the report.
Product: Mortgage

Wells Fargo did not help with my mortgage loan modification and they foreclosed on my beautiful home XXXX of XXXX. I have suffered with the loss of my beautiful family home with the wonderful memories of raising my children there. I feel I should have been notified of the class action loan modification by Wells Fargo however I have not received any information. I had a Wells Fargo home loan from XXXX until they foreclosed in XXXX. There were times I called them and I was told they could not find who held my loan. I was lied to, they set up crazy accounts, and given me the run around. I feel like I may have fell through the cracks. I do not trust Wells Fargo in regards too what really happened with my mortgage loan. I am a hard working XXXX XXXX my credit has suffered for years. I had to pay extra for my car insurance due to bad credit a security deposit for my gas and electric. I had to pay extra security deposit to rent so I had some place to live. This has had an effect on my well being and my children 's well being. Please see what can be done for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX, XXXX 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 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

Citi Bank is withholding my money for weeks due to their fraud protection process they said they were unable to verify me with the phone I used to open my account which makes no sense.now they have not allowed to access my account or speak to me regarding my account to until Ive received a reference in the mail which Ive yet to receive after two weeks and Im extreme financial hardship please help me to get my account unlocked. They have done this to several people and this needs to be stopped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Date opened XX/XX/XXXX Original Loan Amount {$9000.00} Amount Paid {$2500.00} Remaining Balance {$6400.00} I was unaware of this account until I ran Equifax report for this Data Breach. These funds were removed unknowingly from my checking account. 

XXXXDEPT OF ED - Date opened XX/XX/XXXX Original Loan Amount {$25000.00} Amount Paid {$110.00} Remaining Balance {$25000.00} I was unaware of this account until I ran Equifax report for this Data Breach. These funds were removed unknowingly from my checking account. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX I did not make any requests that would result in a Hard Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I was not late on this credit card. I always pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( XXXX ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet XXXX  ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to XXXX. I had this same issue with XXXX in 2016 however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You
Product: Money transfer, virtual currency, or money service

I was having problems with my email so I googled XXXX support and got the number off the website called them. They were looking through a few of my stuff. They said there was an active hacker in my account from overseas so we had to take care of some sites on my phone so we did open and shut this whatever called back and the guy said there was no record of me calling and we went through some stuff and he said I was hacked into. They took {$490.00}. Send it to XXXX XXXX XXXX without my permission through XXXX. I called XXXX they didnt want to help me. I called the bank. They didnt wan na help me. They said that to them it didnt look like there was any bad evidence and there was Ive been fighting this since XXXX of XXXX last year and XXXX getting nowhere. I have XXXX data breaches on my account and my socials on the dark web because of all I will look
Product: Mortgage

I have received a very poor credit score XXXX due to Bayview Financial my new mortgage company and the reason my score is so low and late payments, I have never been late on a payment ever. However, I applied for a loss mitigation with my previous loan company XXXX and it was approved for 6 months at {$100.00} per month and then back to regular payments starting in XXXX. Then my loan was sold to Bayview Financial and they are not recognizing my loss mitigation and stating my mortgage has been late all this time. LOAN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Product: Money transfer, virtual currency, or money service

I transferred {$800.00} to a family member using Venmo. We were charged for the transaction. Venmo implied this should have been free. I submitted a ticket and tried to follow up but all the links were broken.
Product: Checking or savings account

I have been banking with chase bank for 10 years. I have to overdraft my account every month to make ends meet. I am on social security XXXX it cost me an extra XXXX per month to overdraft. I was just wondering if there is a way to recover some of my overdraft charges. I attached a picture of my 2020 statement.
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. 

List of Unauthorized Inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

American Service Co. has denied our Loan Modification due to " more than XXXX units ''. My single family home has detached units that are grandfathered in by the City XXXX and the loan was originated with this status.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX from EQUIFAX, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report. Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ). Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries. Copies of your credit report showing the disputed inquiries. Any correspondence you have had with the entities responsible for the inquiries. I have attached the inquires and the dates below : 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

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.