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

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX  is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX is a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. A plus federal credit uninion is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE.

TRANSUNION IS IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE TRANSUNION CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
TRANSUNION DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXXNever lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE
Product: Debt collection

On XX/XX/2019and XX/XX/2019I received a letter from Portfolio Recovery Associates,LLC
In response to a dispute related to a XXXX XXXX  Credit Card. That did not apply for. 
They stated that I owe XXXX  I have not apply for a XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 10 unaccounted inquiries on my credit report from Experian-generated report dated XX/XX/2022. I wrote to Experian via certified US mail on XX/XX/2022 listing the names of unauthorized companies and dates of inquiries. These were not removed within the 30 day legal process window.
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 - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Product: Credit card or prepaid card

I purchased a refrigerator from Home Depot in XX/XX/XXXX. At the time, the store clerk offered me 0 % interest for one year if I opened a Home Depot credit card. I agreed, met the credit requirements, was offered a credit card account, accepted that offer, and then purchases the refrigerator on the newly-created Home Depot credit account. I then set up automatic minimum monthly payments and set a reminder on my personal calendar for XX/XX/XXXX ( when I was told the promotional rate would expire ) and then checked statements and the account to ensure payments were being made correctly and on time. After several months, everything was working fine. I still continued to ensure payments were being made, but had no correspondence with Home Depot ( other than statements ) and made no effort to reach out to them because I saw minimum payments were being made. In XXXX, after the reminder on my personal calendar, I logged in to find that interest began accruing on my account in XXXX ( 6 months before I was told it would ). I contacted Home Depot customer service and have spent several hours with them on the phone as they attempted to simply connect me with someone who had the capacity to adjust my account to match the original terms of the agreement. The customer service representatives have told me that they can only make adjustments back for 2 billing cycles, and since I waited longer than that, they can not help me ( note that the promotional periods are in 6 month increments, and there is no explanation why Home Depot has this constraint ). They have also said there is no number I can call other than the general customer service line to avoid longer wait times. 

I have made several attempts to resolve this through the secure message feature on Home Depot 's account website, as well as either answering or calling customer service on at least a dozen occasions. Home Depot has made no real effort to address my concerns, and at this point has reported my account as delinquent with credit agencies. I think this constitutes defamation and is impacting my ability to engage in business activities for a sole proprietorship I own. My credit score has been above XXXX, and often over XXXX, until this dispute.
Product: Debt collection

I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

This fraudulent information is in my credit filelegal action is pending against Equifax. I have submitted a police report with my dispute, and this account keeps getting deleted and reinserted.
Product: Money transfer, virtual currency, or money service

I got a request from my XXXX friends name to transfer XXXX INR/ {$190.00} for a medical emergency. It was early morning and dint pay really attention as my friend seeking help for medical emergency. I transfered money using wise app to his XXXX account. Kindly help me with refund
Product: Credit reporting

I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.
Product: Credit reporting or other personal consumer reports

someone have applied recently for a credit card under my name with a bank and it gave me a hard inquiry and it wasnt me then today date XX/XX/2024 i received another hard inquiry so i tried my hardest to get into contact with experin and they told me send this report right here
Product: Credit reporting or other personal consumer reports

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

I hope this complaint finds you well. After reviewing my consumer report, I noticed there is an inquiry on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Experian a letter on XX/XX/year> and I have not received a response whatsoever. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer and will sue your company for constantly violating my federally protected rights. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THIS INACCURATE INQUIRY IMMEDIATELY. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.
Product: Debt collection

I was exposed to chemicals at work and my XXXX XXXX. I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXX removed as a result of the XXXX XXXX XXXX. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX removed due to being exposed to toxic chemicals at work.
Product: Mortgage

On XXXX, I sent in, via fax, a credit withdrawal request form to get {$10000.00} from my line of credit, to Champion Mortgage. My loan number is XXXX. The next day, XXXX, I called to verify receipt and processing of my request and they said they had no receipt of it. I told them that it had been faxed and the fax transmission sent report showed it went thru to the fax line successfully. In the past I have had trouble getting funds every time as they always seem to have some hoop I have to jump thru to get my funds. 
Sometimes they say the fax didn't come thru properly or it was not readable. But my end showed it was sent successfully. 
In the past they have told me when I call in to verify receipt of my request, they say it only takes a few hours for them to be able to verify receipt of the request for funds. 

Then, other times they say it takes up to 2 to 3 days for them to be able to verify that they received my request for funds. Just today, when I called to see if they had my request for funds, and they said that they had no receipt of my fund request, they said that now they require I have to be subject to a call from them sometime after they receive my request, for them to verify if I did indeed sent in the request for funds. So, it now seems that someone with a reverse mortgage serviced by them, has to have a phone in order to receive funds. A supervisor told me this morning that if I am no't home or didn't answer the phone, and after they leave a message asking for a call back, then they would deny the credit draw request. 

I don't recall seeing any such requirement in my HUD reverse mortgage loan. 

Last time I made a request on XX/XX/XXXX of this year, they were giving all of this same kind of run around and hassle, saying that my fax was not readable ( in spite of it showing successfully ) and I'd have to send in another one. I asked why can't I sent it in via an email, as in the past, and they said they discontinued that practice. But, after some complaining and speaking to a supervisor, they got approval for me to send to a higher level supervisor via email and he approved it and started the process for it to be sent to my bank account, as has been way I get my funds. 

So, you can see, that it is always some form of added measures or steps, that I have to comply with to get funds from my HECM loan. They state they are a debt collector and it shows in that they love to harass and make things difficult, on purpose. They seem to always want to stall the process of receiving funds via a reverse mortgage loan.
Product: Credit reporting or other personal consumer reports

I am not liable for this account with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I used a deferment to pay off my account with this company during/after the pandemic. They granted the deferment and then reported on my credit report that I had a late or late payments which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Reliant Capital Solutions has repeated contacted me attempting to collect an alleged outstanding balance with XXXX XXXX XXXX XXXX XXXX  XXXX, where I was a student in XX/XX/XXXX-XX/XX/XXXX. I had resolved my balance with the school ~15 years ago. When I first received communication from Reliant about this, I requested proof of this outstanding balance. I requested a signed and notarized document provided by the school 's accounting department within the last 6 months. They only responded with an unsigned, unnotorized statement from the school dated XX/XX/XXXX, pre-dating my resolution of that outstanding balance. They have refused to take any steps to provide more legitimate proof of this debt and continue to contact me despite my formal request to them to stop.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They informed me CFPBs Findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

State Employees Credit union, tried to take my home, Because I was one payment late while on the payment plan. XX/XX/XXXX i tried to mobile deposot a check to cover the payment and it was not approved. The bank was closed on friday followong for XXXX XXXX. The next business day was monday XXXX the XXXX and the payment was made at the bank. It posted on the XXXX. After speaking with collections they stated my plan is cancelled, after all six payments are now made. So the past due balance will have to be paid in full. I have no means to pay as i have been out of work with an injury and medical reasons since XX/XX/year>. I've been out of work over a year and still managed to come up with SIX payments. While being out of work. Without XXXX income. I'm gon na let the whole Carolina, know how helpful, SECU was at taking my home out from under my feet. Not only is this my home it is my XXXX year old daughters, my XXXX year old daughters, her XXXX that is XXXX year old home. Because no exception can be made my children lose their home. What person decides when the rules can be bent or exceptions can be made? 

XXXX XXXX XXXX
Product: Mortgage

I submitted a claim against QCWEN, the same outfit you appointed as ombudsman to manage recovery funds for individuals damaged by QCWEN et al. Ocwen refused to communicate but later they told me they had no proof of my standing on home I inherited from bu deceased son. Even though I provided court documents whereby I was appointed executor they still refused to provide ANY data or information on the home I became the owner of by court order. Its been yet another year later and QCWEN continues to advise my status for ferund of damages I incurrered. CFPB, in fact has been advised of this numerous times and all I get is rejection. I am XXXX, XXXX vet who will no doubt predecease any recovery. My question is WHY DOES CFPB NOT POLICE THE OMBUDSMAN THAT CFPB APPOINTED TO LAWFULLY DO THE JOB IT HAS BEEN ORDERED TO DO? I have been failing at every trun to gain assistance on this, the earliest matter OBAMA charged XXXX XXXX to police? Why does CFPH ignore my ongpong requests for help? 
Regretfully as I write this I seriously doubt I will obtain any help from CFPB, but I will die trying. 

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

I am submitting this complaint against XXXX XXXX XXXX ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( XXXX ) and Fair Credit Reporting Act ( XXXX ). Despite my timely request for debt validation, XXXX has failed to comply with federal laws and continues to report inaccurate, unverified debt on my XXXX credit report. 

Violations Committed by XXXX : - Failure to Validate Debt ( XXXX, FDCPA ) : On XX/XX/year>, I sent a formal dispute and debt validation request via certified mail ( Tracking # XXXX ). The FDCPA requires XXXX to respond within 30 days by providing validation. As of today, I have received no response. 

- Failure to Investigate and Correct Disputed Information ( XXXX ( a ), FCRA ) : Despite disputing this debt, XXXX continues to report the alleged debt without investigating or providing proof. XXXX has not provided validation but is still reporting the account. 

- Illegal Continued Reporting of Unverified Debt ( XXXX ( b ), FCRA ) : XXXX is XXXX reporting this debt despite failing to validate it, which is illegal under the FCRA.