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

XXXX, Experian & XXXX.

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed.

Company & Inquiry date 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX  XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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

To XXXX, Equifax, and XXXX, Regarding the Delinquent Credit Inquiry Issues Identified by XXXX, Equifax, and XXXX : Thank you for affording me the opportunity to address the inaccuracies present in my credit inquiry report. It has come to my attention that delinquencies in my credit have been incorrectly reported by your agencies. In light of this, I am formally requesting the following documentation and proofs in accordance with relevant laws and regulations : 1 ) A copy of the original contract or purchase agreement responsible for the alleged debt. This document must contain the signatures of all involved parties and must originate from the original creditor, inclusive of all original terms, conditions, addendums, and riders.

2 ) Proof of chain of ownership pertaining to the alleged debt, demonstrating a seamless transition from the original creditor to the current purported owner, devoid of any breaks or discrepancies.

3 ) A comprehensive accounting history originating from the original creditor, detailing each payment made, including dates and amounts, along with the Date of First Delinquency leading to the current collection status.

4 ) Documentation validating the lawfulness and agreement to any accrued interest or fees, as stipulated in the original purchase agreement.

5 ) Verification of your legal authorization to pursue the alleged debts in the state of Texas, inclusive of your Third-Party Debt Collection Bond.

6 ) Evidence of compliance with legally mandated notices sent to me prior to the reporting of the alleged debt to consumer reporting agencies. This includes copies of the original notice, ensuring adherence to regulations prohibiting " debt parking '' without proper notification, thereby safeguarding consumer rights.

7 ) In accordance with civil liability statutes, specifically Title 15 of the United States Code subsections 1692k ( a ) ( 2 ) ( A ) and 1692k ( a ) ( 1 ), I emphasize the potential penalties associated with violations, including both statutory and actual damages.

8 ) Furthermore, I draw attention to pertinent federal laws including : - 18 U.S. Code 8 Establishing all debts as obligations of the United States and its corporations.

- 18 U.S. Code 241 Prohibition of conspiracy against rights.

- 18 U.S. Code 242 Criminalization of color of law violations and deprivation of rights.

- 18 U.S. Code 894 Regulation against the collection of extension of credit by extortionate means.

- 18 U.S. Code 1028 Prohibition of fraudulent use of identification documents.

- 18 U.S. Code 1028A Criminalization of aggravated identity theft.

- 18 U.S. Code 894 Prohibition against harming the reputation of consumers through extortionate means. 

I urge prompt and thorough attention to these matters to rectify the inaccuracies present in my credit report. Your compliance with these requests is essential in ensuring the integrity and fairness of my credit profile. 

Sincerely, XXXX, XXXX
Product: Student loan

I made multiple payments to XXXX and they were not applied to my account. I called and they said acknowledged the error, but gave no timeframe to correcting it. It still has not been corrected. I am concerned that it has accumulated XXXX dollars of interest over time. 

Payments : XXXX = {$540.00} ( Nothing applied to loans ) XXXX = {$250.00} ( Nothing applied to loans ) XXXX = {$1900.00} ( {$180.00} applied to loans ) XXXX = {$1100.00} ( {$120.00} applied to loans ) XXXX = {$3000.00} ( {$3000.00} applied to loans ) XXXX = {$1000.00} ( Nothing applied to loans )
Product: Credit reporting or other personal consumer reports

In the previous complaint that was filed against this company, in the company response they clearly stated : NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. But this company is still sending me letters attempting to collect the debt and also the account was only removed off of experian and still remains on XXXX and XXXX. The only thing thats changed on XXXX  and XXXX is the status was updated to current and that shouldnt be!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Product: Consumer Loan

My truck was repossessed while I was in the hospital. I was in contact via email with a representative who was made aware of the situation. Upon logging in, it appears that my principal balance has not budged and I have had the loan for over a year. My {$400.00} a month is going straight to fees and interest. This is highway robbery. I have now investigated the finance company further and recognized that others have been victim to this company. They are a subprime loan company in the business of financing cars for higher than they are worth and then repossessing them as soon as they can. They then turn around and auction the car and garnish wages of the customer for the remaining balance ( well over what the car is worth ). XXXX XXXX XXXX and Gateway financial are in the business of ripping off desperate customers who have to get a vehicle right away for work purposes and are mislead. The truth in lending is not honest. I knew when XXXX at XXXX XXXX was having us quickly sign the paperwork that I should have had him slow down. He just verbally summarized each page we signed and I had no idea what I was getting into. I thought the payment was {$170.00} a month ( which would be fair for a used base XXXX XXXX that has been beat and wo n't run for longer than another year if that ). That must have been one of the pages that he literally summarized ( as they were closing at the time ) and flipped the page quickly. I had no idea I was signing for a 5 year loan of {$380.00} a month for this junk of a truck. I am under water in the truck and my finances. I tried to make it happen once I found out the actual monthly payment, but obviously I got a month behind and they just repossessed it even though I was in contact and informed her that I just had XXXX and was in the hospital. This financial institution combined with XXXX XXXX XXXX needs to be thoroughly investigated in regards to their loans. I did n't even think they were allowed to give a loan for more than the blue book value? I am so confused and feeling scammed. I tried to get through it and feel completely bullied and lied to. Now my fiance does not have a truck for work to even make the payments!!! I do n't know what we are going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete the following inquiries as I didn't authorize these : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I got a new job as a XXXX with a XXXX  XXXX  in XXXX XXXX, California. I had to relocate. On XX/XX/2022 I found a house I liked in a post of the XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After several messages I connected with XXXX XXXX on XXXX after reviewing his profile and noticing endorsements and work connections to verify his identity. Convinced I was renting a home, XXXX had me fill out a rental application. And then instructed me to make the direct deposits for first months rent and the rental deposit of {$6700.00}. On XX/XX/XXXX, XXXX and XXXX 2022, I transfered a total amount of {$6700.00} through my XXXX XXXX bank and XXXX XXXX  with Zelle and XXXX XXXX. I receiced a receipt for my payment. 

On XX/XX/2022, I flew to XXXX XXXX, California to relocate to my new rental home and start my new job. When I called the rental agent for the home I paid first months rent and deposit of {$6700.00}. XXXX XXXX ignored my calls and disappeared. After numerous attempts at calling the realtor, I came to and realized that I was tricked into committing a financial error by making a direct deposit to someone who tricked me under false and fraudulent pretenses. My family and I experienced additional financial challenges after having our money stolen as we had to pay for a hotel unexpectedly, as we traveled with our XXXX baby.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance regarding a distressing issue I have been experiencing with PayPal, which has resulted in the withholding of {$10000.00} of my funds. 

I received a payment on XX/XX/2020, and ever since, my account has been subject to limitations without clear justification. Despite numerous attempts to resolve this matter directly with PayPal, I have been met with a series of inconsistencies and unfulfilled promises regarding the release of my funds. Each time I reach out, I have been given different excuses and timelines, which has only added to my frustration and concern. 

The continued withholding of these funds has caused significant hardship for me and my family. I rely on these funds for essential expenses, and the lack of access has severely impacted our financial stability. 

I have kept detailed records of my communications with PayPal, including screenshots of conversations that illustrate the ongoing issues I've faced. I would be happy to provide these documents for your review if needed. 

I kindly request your support in addressing this matter and assisting me in ensuring that PayPal releases my funds as soon as possible. Your help in this situation would be greatly appreciated. 

Thank you for your time and attention to this urgent issue. I look forward to your response. 

Sincerely, HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$0.00} Closed
Product: Debt collection

This company refuses to respond appropriately, instead they Marked as a duplicate complaint. This is not a duplicate complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that 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 CFPBs findings indicate that Zelle has nothing only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving its users vulnerable to scams.
Product: Vehicle loan or lease

Due to deception the account was under litigation, settlement has been made and I have not heard anything in regards to the payoff of my loan I do fall in the time frame
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit highlighting critical issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users susceptible to scams.
Product: Debt collection

I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX XXXX is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account Name : 1st Franklin Financial Account Number : XXXX
Product: Mortgage

Chase guaranteed on-time closing, or {$5000.00}, on my mortgage. They delayed closing, and now they are trying to refuse to pay {$5000.00}.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX