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

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose * XXXX  XXXX -- XXXX XXXX * XXXX  XXXX -- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle 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 fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.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. This lacks the accountability And transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to say they do not have a credit record for myself, which is impacting my ability to lease an apartment/ buy a house, which deeply impacts my quality of life. XXXX XXXX and XXXX both have complete credit reports on me. 

XX/XX/XXXX I was informed my data was part of a data breach. I called Equifax to freeze my account. At this time XXXX at Equifax informed me my information was not within their systems and to mail a cover letter, a copy of my drivers license, a copy of my social security card, and to request my account be frozen, update the information on life, and to receive my free credit report. 

XX/XX/XXXX I mailed Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) with the information above. 

XX/XX/XXXX Equifax mailed me back saying they could not locate a credit file for me. 

XX/XX/XXXX I went to apply for an apartment and was denied. I called Equifax to confirm if they had since located my data. They confirmed they had not, and had never received credit information about me. I called my credit card company, XXXX, who verified every XXXX of the month they provide a statement to all three credit bureaus, which included Equifax. I called Equifax back, to inform them I planned on filing with the US Government a complaint and taking the necessary legal actions.
Product: Credit card or prepaid card

Capital one for 1 year well not take my calls or accept my mail, they sued me and was dismissed I can not resolve this matter or offer a pay off because capital one is u responsive!
Product: Credit reporting, credit repair services, or other personal consumer reports

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave XXXX  written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and TransUnion illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX XXXX  investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.
Product: Student loan

I have XXXX in student loans, XXXX which are private loans from Navient. I am having medical issues, and require XXXX this month. I called Navient to see if they have a medical deferment or medical hardship deferment plan. They do not offer any interest free deferment plans - only plans that will lower my payment but I will have higher monthly payments more in the future. I also asked to speak with the Office of the Customer Advocate and the XXXX representatives I spoke with all told me that they did n't have the number, or they can not give me the number. The last person I spoke to said that it was Navient 's policy to not give out the Office of the Advocate 's contact information.
Product: Debt collection

I enclose copies of my requests to the collection agency Portfolio Recovery Solutions asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to the three Credit bureaus. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here.
Product: Debt collection

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX, I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXXa-month car payment. I brought the car back to the dealership on XX/XX/XXXX. I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to XXXX XXXX and the XXXX 's Dealership. The salesman that I am working with is XXXX. 



XXXX XXXX XXXX 's XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has failed to provide me with a debt ( right to dispute ).. They are saying they did but the address they are advising they used, which i am not associated with. I have documentation after documents to prove this .... I want to know who the original credit is because if it has been within the last 5 years then there is no reason, they should have the wrong address. Also, I do not have in lingering debt to my knowledge so this seems to be fraudulent. Again, they are going against my consumer rights. 

This needs to be removed. My next step will be filing a small claim because yet again, I did not receive a right to disputer- which I am entitled too. 

Secondly, this company has failed in all communications to do the right thing. 

All I am asking is give me the proper legal way to review this account and to actually KNOW what it is. Legally- that is my right and my right to dispute it if I have no knowledge. You can not just add a collection to a consumer 's credit report. 


Please remove this from my report, allow me time to review and dispute if needed. If this debt is actually mines and this is not a fraud Then we can deal with options, however this needs to be done the correct legal way. 

Please again remove this from my account- provide the original creditor the date it was open- as stated if within the last 5 years there is no reason you should have an incorrect address that i am not associated with. Please also provide proof the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries being reported on my credit profile regardless of my confirmation that they were unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

( XXXX XXXX XXXX XXXX ) ( Fair Collection & Outstanding ) Invitation homes agreed to early lease termination with no penalties and owed them nothing as long as long as we were out of the home by XX/XX/year> but now they deny even having the conversation and still haven't sent any legal letters prior or after moving out TO THE ADDRESS GIVIN TO THEM ON 3 SEPARATE OCCASIONS! XXXX XXXX XXXX they were told, XXXX XXXX XXXX, and XXXX XXXX XXXX. The XXXX XXXX XXXX was to request in, collect the security deposit and one of the questions was them asking for my new address which I told them. Invitation homes forced a lot of things on us too, where they would threaten us that our lease was going to be exempt and have us kicked out if we didn't pay them which we had no choice. We tried to not pay for air filters but the were trying to evict us. 8 years not once did they do any maintenance to the home even when we tried for 8 years long. Took them 6 months to fix the a.c unit not working in Florida 's summer heat, the home became mold infested and they never dealt with the problem. So many complaints and they never took us seriously. 8 years since we moved in, in the beginning had plumbing problems and they would never get it fixed till our home became so flooded the sewage smell engulfed the home. XXXX XXXX XXXX  lied to us so many times and always put our health and lives at risk!
Product: Checking or savings account

I have a savings account with Credit Karma. I deposited {$3000.00} from a XXXX XXXX XXXX account. I then changed my linked account to a XXXX XXXX savings account. I was informed this account was nontransferable. 
Ive been trying to switch it back to my XXXX XXXX XXXX account to take the {$3000.00} out, but the app will not let me connect a new account. It says there is an error on Credit Karmas side. 
Ive contacted them. They said Ill hear from a specialized team, yet I have not. 
Ive tried two different banks, both checking and savings, on data and wifi, on a phone and a computer. I tried to link a new account manually using the account and routing number as Credit Karma suggested. Every time I get the same message.
Product: Mortgage

My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting or other personal consumer reports

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. and accounts that I do not recognize that I have never had, here I am sending you a copy of the FTC report that I made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint involves paypal fraudulent/unauthorized transactions. I reported 90 days of them as the law entitles me to do according to my attorney and then : 1. They gave back {$700.00} and {$33.00} and I transferred it all to my XXXX XXXX account and most of the money just disappeared I did have a negative balance, but it was less than the amount I deposited. 

2. Then I got an email stating that they due to my spending habits that they determined that all of the transactions were not fraudulent and disregarded.

3. I do not believe my XXXX XXXX account is connected to my paypal account, but I did transfer the funds from that account to my XXXXXXXX XXXX account because I had a negative balance and I also needed to make an overdue payment on my credit account with them. 

4. I believe that they may be using XXXX XXXX XXXX  or something similar as this is the second time that I opened up a financial institution and then I went back to look at it again and it was gone. I never delete anything so I know I did not delete it. 

I have more issues with PayPal than just this but this one is currently creating a hardship as I am XXXX but not on XXXX.
Product: Credit card or prepaid card

purchased a XXXX XXXX mower from XXXX XXXX XXXX XXXXXXXX on a 24 month XXXX interest loan. 
because of them reporting it incorrectly to synchrony Bank which purchased the loan, it was reported as 9 different transactions on my first bill which didn't arrive until over 2 months later when I had to contact THEM after getting a notice from XXXX XXXX. 
After several talks ( sometimes very heated when they kept switching me to agent after agent trying to collect a debt ) over the first couple months during which I had paid them ON TIME for the purchase, we FINALLY thought it had been rectified. During this time, they had charged me with TEN NON-PAYMENT charges of {$39.00} in only 6 months and my XXXX XXXX of over XXXX had been reduced to BELOW XXXX. 
We FINALLY managed to talk to someone who found the error and returned my score ( after 3 different fluctuations up and down ) to somewhere near XXXX again. 
We THOUGHT it had been finally fixed but today, I AGAIN received notice my account was in arrears and my score was AGAIN near XXXX. 
I have found it impossible to talk to anyone other than a XXXX who has NO power to do anything other than cause me to scream at them as they tell me over and over and over they are simply trying to collect a debt. 
At NO TIME have I failed to maintain a POSITIVE on time payment amount AUTOMATICALLY sent by my bank 2 weeks BEFORE the due date which will pay off the note before the 24 month period agreed on initially. 
I'm XXXX XXXX XXXX with a XXXX and being driven by frustration to literally scream over having to try explaining this OVER 20 TIMES to one XXXX after another is NOT what I want to repeat. 
I have found out Synchrony Bank has an average positive score of between 1 and 1and 1/2 out of 5 and it's obvious why since NO-ONE in a position of power will speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo recently denied credit XXXX XXXX XXXX, XXXX, NE involved in corrupt business practices. 
XXXX XXXX, a lending company with XXXX XXXX XXXX ( XXXX, NE ) was used to obtain personal information and is attempting to use that information in ACH scam. 

There have been additional violations to my credit ; all after, I cleared my credit through Federal Banruptcy filling XX/XX/2018. 
Absoulutely, nothing should prevent me from gaining creditworthiness.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Can you check the documents, please? Some accounts listed have reporting errors, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX