23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It XXXX concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$3000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX, Experian and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Product: Credit card or prepaid card

Account balance of {$490.00} was due on XX/XX/XXXX.

I paid {$500.00} on XX/XX/XXXX On XX/XX/XXXX a {$5.00} interest charge was applied to my account.

I spoke with with someone in Capital one regarding this situation. I was told that this charge was from the previous months billing cycle. The previous Statement balance of {$420.00} was due on XX/XX/XXXX. To my mistake, I made a late payment of {$600.00} on XX/XX/XXXX. On XX/XX/XXXX a {$27.00} late fee was charged to my account ( which I am not disputing ) and on XX/XX/XXXX an interest charge of {$9.00} was charged to my account ( I am not disputing this as well. ) They are telling me that they are charging me interest 2 months in a row on an account that had a negative balance because I had the late payment in XX/XX/XXXX. Can they do this? After being on the phone and telling them I was filing a complaint with the CFPB they agreed to remove the charge. I was told in the future if this happens again they won't remove the charge and that yes they can charge interest on accounts that have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently looked at my XXXX XXXX account and noticed an inaccurate information on my transunion account in derogatory marks. Some random collection agency is saying i owe them money that I do not owe them. I never authorized money that they claim. Anything Involving cell phones was solved years ago. So I am unsure as to why transunion and this collection agency are saying I owe money when I do not. To my understand 4-5 years ago I had a XXXX XXXX XXXX  phone i transfered over to XXXX  on a promotion that XXXX would take care of any payment money if I switched over which I did. So I am unsure as to why XXXX XXXX XXXX Is  saying unpaid when I was right there at XXXX  when they got paid over the phone. So to me this inaccurate. I also have proof with XXXX has it is not shown on there because I do not owe this money in collections that I am being accused of. If anybody wants to contact me directly regarding said matter please feel free to call me. I just want this inaccurate information removed from credit report asap. Attached doucments are equifax where it does not show the item and ill also send you the transunion where I am being accused by a company named enchaned recovery. Again to my understanding this was all taken care of years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX XXXX  FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting innacurate personal information. I tried to dispute online and it blocked me from doing it.
Product: Money transfer, virtual currency, or money service

I sent an insurance check to be endorsed XX/XX/2022 so that i am able to fix my truck. Westlake Financial took the check and added to the principal on the alleged account. After calling them and asking about it they then say they mailed it out XX/XX/2022 but left the apartment number off the check so I still havent received the repair check.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 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 is unacceptable.
Product: Credit card or prepaid card

Wisely by Adp Prepaid a Services who was formerly Global Cash Card, blocked my deposited 2021 Tax Refund, and I'm not able to access my funds. They communicated to me I must tell them a Security Phrase, that I never set up with them for the account, or upload my Social Security Card and Identification Card Documents to them through a link they texted to me, in order to access my funds from my account. I communicated to them, that I'm not comfortable sharing that type of information, due to it's sensitive, and they stated they can't release my funds until I do so. Please assist me in coming to a immediate resolution. A copy of the link they texted me, so that I can upload my Social Security Card and Identification is attached below. 
Thank you, XXXX XXXX
Product: Credit reporting

I have been cleaning up my credit report. XXXX and XXXX both investigated and removed everything I sent. Equifax on the other hand is a diff story I have disputed several things one was a judgement that was basically illegally filed because they knowingly sent it to an old address and we did n't know anything about it until I pulled the credit report. I sent in letters to all agencies with documentation showing they filed without us knowing. It was investigated by all agencies XXXX and XXXX deleted it equifax marked it as satisified ( which is incorrect ). 2nd I sent a letter to a collection agency requesting proof that a debt was ours for comcast because we believe it is for the equipment that we turned in. Its been 45 days they have n't responded to the letter, I disputed it with all agencies it was removed from XXXX and XXXX. Equifax has n't removed it. 3rd sent out another letter to a collection agency for harris and harris requesting they validate the debt show proof it was ours. They never responded its been 3 months nothing. Field a dispute with XXXX and XXXX it was investigated and removed. Equifax did n't remove it. XXXX. XXXX paid tax leins we did n't know we had until I pulled the report they were paid in 2014 XXXX removed them. XXXX and equifax have not I filed for an expungment from the state and that has n't gone through yet but I did send letters and proof it was filed to both agencies. I 'm trying to get this cleared up to purchase a home and its becoming incredibly difficult. I do n't understand how one agency can verify something as incorrect or not ours and removes it and another agency finds something totally different.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FCRA Violation XXXX hard enquiries not mine 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 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 FCRA Violation : collections not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

MY PAYPAL ACCOUNT WAS CLOSED WTH XXXX IN IT ON HOKLD FOR A TRANSACTION I HAD DONE THAT WAS ON HOLD TILL THE XXXX XXXX XXXXXXXX. WELL THEY DID'NT RETURN THE MONEY TO ME AS THEY SHOULKKD HAVE INSTEAD THEY SENT IT TO THE BUYER, SO NOW THEY GOT THE MONEY AND THE ITEMS I SOLD THEM AND I GOT SCREWED. CASUE THE BUYER CANT GET A HOLD OF THEM. I CALLED PAYPAL AND ASKED WHY THEY RELEASED THE MONEY BEFORE THE XXXX AND THEY SAID CAUSE THEY DID ANMD THEY ALSO TRING TO CHARGE ME {$30.00} DOLLARS FOR THIS PERSON FILLING DISP [ UTE WITH ME CAUSE OF THE HOLD THEY HAD ON THE PAYMENT FOR NO REASON. PAYPAL IS THE WHOLE REASON THIS HAS GONE THIS WAY. IF THEY WOULD Have JUST LEFT THE MONEY ALONE WOULD HAVE NOT GONE THIS WAY, THEY HAD NO REASON TO HOOLD THE MONEY OR EVEN CLOSE MY PAYPAL ACCOUNT. THEY SHOULD BE SUED FOR THE TIME AND THE BS I AHVE BEEN THREW CASUE I WASNT ABLE TO GET PRESENTS FOR MY FAMILY CAUSE THEY HAD THE MONEY ON HOLD. THEY NEED TO BE HELD ACCOUNTABLE AND PAY FOR THE XXXX THEY HAVE CAUSED ME AND MY FAMILY FOR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.
Product: Mortgage

My home was totaled in hurricane IDA. The extent of my damages were over XXXX. My insurance company payed XXXX which doesnt even replace the roof. So I hired a lawyer. We successfully settled for XXXX. The checks went to the mortgage company now they will not release the checks for the lawyers and a contractor I had hired. And I put money in my home out of pocket. No one would help me so I couldnt pay mortgage and the repairs and I had no where else to go so I put what I could into the house changing Sheetrock and windows and floors. So they currently have 2 checks for a total of XXXX and are not releasing the funds. Idk what else to do. I need to get this roof finished so I can do the interior. Its been XXXX years Ive been dealing with this camping out Im basically homeless because without those funds I cant fix my home. I am living in it but its poor conditions.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXXXXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against the credit bureausExperian, XXXX, and XXXX to their continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to resolve the disputes regarding inaccuracies on my credit report. 

Despite my previous complaints to the CFPB ( Complaint IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all three credit bureaus have failed to fulfill their legal obligations under the FCRA, which requires them to investigate and resolve disputes within the statutory 30-day period. To dateXXXX XXXX : After filing my dispute well outside the 30-day window, XXXX recently requested additional documentation ( proof of residency ) before they would proceed with my dispute, despite already being in violation of the FCRAs timeline. This request appears to be a stalling tactic and an attempt to delay the investigation process further. 

Experian : Experian responded with a standard acknowledgment of receipt of my dispute and has since asked for additional time to process the dispute, even though their response came well after the FCRA-mandated 30-day window. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian is required to delete unverifiable information after failing to respond within the required timeframe. However, this has not been done, and the disputed items remain on my credit report. 

XXXX : XXXX has entirely failed to respond to my dispute, again violating the FCRAs 30-day requirement. To date, I have not received any communication from XXXX regarding the investigation of my dispute. 

Failure to Hold Credit Bureaus Accountable : While I appreciate the CFPB 's involvement in forwarding my previous complaints, the lack of any concrete action taken against the credit bureaus has allowed them to continue violating the FCRA without consequence. Their continued non-compliance has caused significant damage to my financial standing and creditworthiness. The absence of meaningful enforcement has led me to pursue additional remedies. 

Next Steps : Due to the failure of Experian, XXXX, and XXXX to comply with the FCRA and the lack of accountability, I will be filing a formal complaint with the New York State Attorney Generals Office to seek enforcement of my rights as a consumer. I believe the credit bureaus must be held accountable for their ongoing violations of consumer protection laws. 

I am requesting that the CFPB take immediate and decisive action to hold the credit bureaus accountable for their non-compliance, including enforcing the removal of the disputed items from my credit report as mandated by the FCRA. Should this issue remain unresolved, I will continue to explore further legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX  - XXXX XXXX XXXXXXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the XXXX timeframe stipulated by the FCRA.
Product: Debt collection

They are not licensed to collect in my state. They called me and sent letter without being able to collect in Nevada. This is a violation of numerous laws including our state fdpca and deception laws in Nevada. Please see attached lawsuit and proof of letters they sent me and letters I sent them. Proof of certified service etc
Product: Debt collection

CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Vehicle loan or lease

I have a new vehicle and all my paperwork has only the dealership name on it. When I asked the company that calls everyday to send any paperwork that states that I have a contract with them they repossess my car off of private property and signs are posted stating private property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have addresses on my credit profile that do not belong to me and I would like them removed ASAP. The only address that should be reflected on my credit profiles is XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I use the XXXX  XXXX  app to dispute my XXXX  credit report. I previously opened a case/Dispute File Number : XXXX was opened on XX/XX/year> and is still open with no response. Can we close this dispute so i can dispute another transaction please? It was supposed to be completed by XX/XX/year>. This was against " edfinancial services. '' Please close this dispute so i can open others. Thank you. The lender is showing incorrect information and not responding in 30 days. Please XXXX  XXXX  close this dispute. I will utilize XXXX and cfpb ; then attorneys or more important people to dispute the non responsive " edfinancial services ''. Please close the credit karma dispute so i can utilize it against another issue on my report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. Experian is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX
Product: Debt collection

CEDARS BUSINESS SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX {$5500.00} Balance updated XX/XX/2021 The original creditor claims there is a balance due of {$5500.00}. This is not true. The debt which I do not owe has been sold to Cedars Business Services which makes claims they are going to sue me, and if I do not respond collect a lawsuit. The agent on the phone speaks like an attorney but is not. 

I have told them this is not my debt to please stop calling yet their tactics continue to get more aggressive. Please help me deal with these individuals and remove this from my credit report as it is negatively impacting my score and finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.
Product: Vehicle loan or lease

I was trying to purchase a car from Carvana and their buying process is XXXX percent online. I completed the application process and was told that I was approved with a down payment of {$5100.00} on XX/XX/year> I tried to complete the purchase by submitting the down payment required by Carvana. On XX/XX/year> I called Carvana with some questions and I was informed that I was in fact not approved for the loan from Carvana and that in three to five business days I should receive a full refund of the {$5100.00} dollars but as of today XX/XX/year> a refund still has not been initiated by Carvana and they told me that they are putting in a ticket for the finance department so they can issue the refund which I should receive in three to five business days from today XX/XX/year>. Thats just entirely too long for them to hold onto my money especially if they are not providing me with any kind of service. If fact that are creating an extreme hardship by holding on to my funds. This is a very bad business practice and it should be illegal for them to be able to collect funds before completing and verifying the approval for the loan process and just hold on to money that they arent entitled to.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within 4 business days, according to section 605C of the FCRA. I would like all listed accounts to be blocked and deleted company information. Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX