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

Someone seems to have access to my personal information and is trying to ruin my credit. InXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!
Product: Consumer Loan

I text drove a XXXX XX/XX/XXXX that was manufactured in XX/XX/XXXX. I did not see any flaws during the text drive. It was bought from a certified Ford Dealer. However, after XXXX weeks of owning the vehicle, a new battery was needed. Thus, it was revealed that the car had been in a previous accident. It did not make more sense to me that there were names already programmed in the XXXX It was not cleared before I signed my name on the line. My first concern is the purchase was in a clear violation of the Lemon Law. Secondly, I do not know if XXXX Ford was informed it was a program car and has been in an accident. However, it was and it proved to me every time I had to reset my blue tooth wireless option. Thirdly, I have been disputing this issue with XXXX directly. I have not received a response. XXXX of XXXX, GA. had to replace the A. C. unit twice. This is only after 2 years of owning the vehicle and still being under the XXXX. I do want this issue cleared and removed from my credit reporting history, which includes all trade lines entered by Ford Motor XXXX. Car was repossessed during my unemployment. Also, I had possessions such as my notary stamp ( XXXX XXXX ) that was not returned to me.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date XXXX XXXX Closed on XXXXXX/XX/year> same date. There is no payment history. Incomplete and inaccurate. 
This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated, your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX or XXXX had XXXX XXXX believe we was charged to much interest on the car
Product: Debt collection

On or about XX/XX/XXXX I contacted LVNV Funding LLC, to dispute a debt they are reporting for XXXX XXXX. I am in formed them of my name : XXXX XXXX and also gave them my social and offered to submit ID and social security verification as an individual names XXXX has been using my social security number. When I called I was harassed by an individual name that XXXX who said that because the name that I provided did not match with the name on the account that she could not give me any information or take any steps to remove my information from my credit bureau. I explained to her that the reason that my name does not match his because this person took out credit with my social security number fraudulently and refused to take any steps. I requested a supervisor and I was placed on an eternal hold. this has been going on for 2 years. I put a lot of effort to clean up my credit so far have been successful with the exception of this particular agency. I feel that their misreporting and their refusal to address consumer disputes is in violation of the Fair credit reporting act.
Product: Credit reporting

I recently again submitted a inquiry dispute with equifax stating that most of the inquires i did n't authorize and I want them to reinvestagate due to several alerts from my XXXX that my information is being sold on a XXXX market website. Well on XX/XX/2016 I was sent back XXXX reinvestigation results stating that the inquires were of factual record of file access and if I believe it was unauthorized to contact the creditors which I have done once again I was told by a majority of the creditors in order to dispute the inquires I would have to redispute them with equifax and equifax would send information to the creditor to start a dispute. I recently contacted equifax XXXX Thursday, XX/XX/2016 and spoke with a representative ID # XXXX and she explained to me that equifax does not dispute inquires even tho equifax website says it does and allows consumers to dispute. EQUIFAX has been misleading with this information therefore I would like to have this consumer reporting company investigated due to false and misleading information and allowing incorrect information to be put on a consumers report without acknowledgement and authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, XXXX, TransUnion ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting fraudulent information on my credit report. I reached out to the credit reporting agency and alerted them the inquiries were done without my knowledge and consent. The credit reporting agency has failed to keep my information safe with the fraud alert, so I had it removed. Attached are all the documents sent to the credit reporting agency to resolve this matter.
Product: Payday loan, title loan, or personal loan

I've been paying every Friday for the past 6 months ( {$50.00} ) for a loan amount of {$1100.00} and yet my current due balance is {$1000.00}. I have records of every weekly payment. When I check the payment records tab only the last few payments show. There's no record on the website of all the other money I've paid. I have my bank statements though!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX on behalf of XXXX XXXX. This bill was paid by XXXXXXXX XXXX and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a provider. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the Doctors office and I requested TransUnion and XXXX remove the false information being reported by XXXX XXXX XXXX They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both TransUnion and XXXX keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.
Product: Student loan

with my XXXX XXXX private loans they XXXX default and delinquent private student loans in XXXX XXXX navient, was told this didn't apply to me because I wasn't in default or delinquent on them. How is this legal? at best I would think its discriminatory? how's it fair to people paying on their loans and people who just said XXXX it I'm not paying then they get relief and people who've been paying do not? Navient has been XXXX help telling me nothing they can do.
Product: Checking or savings account

In XX/XX/2020, I went to the Bank of America ATM in XXXX XXXX XXXX XXXX and withdrew {$300.00} using my debit card. I received XXXX {$20.00} bills out of the machine with no problem. One month later I see a debit of {$1200.00} from my account, I call the bank to find out why this happened and they tell me that the ATM machine that I used was found to have some {$100.00} bills in the {$20.00} bill cartridge that day. So, they assumed that I received XXXX {$100.00} bills, which I did NOT. After being on the phone for 2 hours, I was told that the only way that I could see records showing where they had good reason to assume that I received those bills was to send a subpoena to the bank. This means I would have to file a civil complaint etc. which is absurd! How am I, the customer, responsible for going through these proceedings just for them to show me the findings of their investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

previously deleted item was reinserted without notifying me within five ( 5 ) days of re-inserting a previously deleted item.

Credit Bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

The Account was not mine and the result of identity theft Bureau is refusing to block it even after I filed again a new FTC Report Number : XXXX, under identity theft victim.
Product: Mortgage

I have a mortgage with mr cooper. I have asked both by phone and email for the pmi on the loan to be dropped they have refused. Different. Each time I speak to them on the phone I get different answers from different agent some say my pmi is for the life of the loan. Other say it not XXXX on my research pmi should be dropped once there is enough equity in the home. 
Pls help resolved this for me
Product: Checking or savings account

I notified Chase Bank that theft happened to my account that I hold with my XXXX mother who has XXXX, Chase Bank advised they would do an investigation and If they found it to be theft they would reverse the money back to our account, a few days later I checked our account and the money was reversed, I withdrew funds from it to pay my mothers bill at the XXXX XXXX  where my mother resides. I checked our account a few days later and there was a deficit of XXXX Chase advised they found an online account was set up by someone using my mother 's personal information and they XXXX  themself a small amount of money as a trial and because I did not catch it and report it as theft that is why Chase let two XXXX transactions of XXXX to transfer successfully. I could not believe what I was hearing, Chase notified the person who committed the theft but did not notify me of a XXXX transaction of that large amount of money. Chase advised I contact Law enforcement, I contacted XXXX XXXX XXXX and XXXX found it to be theft and forwarded the case to Law enforcement, Law enforcement advised they are backed up in these kinds of cases, we may never recover the money stolen and I should go back to Chase because they are insured and try to get them to reverse the funds because that is the best chance to recover the funds. Chase advised there is nothing that they can do, and they will take any deposits made to the account until the deficit is paid. I advised Chase that I notified them of the theft in the time allowed to report theft, Chase has full knowledge of our account and knew our account could not cover the reversed amount pending an investigation so they should not have reversed the money pending the investigation but Chase advised there is nothing that they can do. This joint account was opened for me to help my XXXX mother I never used it personally it was her transactions only but this has hurt both of us.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am officially asking Transunion and XXXX to review your data reporting on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611, I challenge all inaccuracies in my credit reporting. My profile shall be accurate, authentic, complete, and with timely verification by you of each piece within my credit report. The information in my credit report and below is not accurate. 

I did not give authorization to the following companies : 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 to get my information. They are a third party and I never received information from the original creditor letting me know that they were sending information to a third party. When I wrote each collection agency to get signed documents showing that I gave them authorization. They never sent it to me. 

I launched 3 Credit Reporting Investigations on the same day of XX/XX/2023. please see below My complaints XXXX XXXX XXXX Credit reporting Improper use of your report Transunion credit reporting agency XX/XX/2023 Closed Company responded XXXX XXXX XXXX Credit reporting Improper use of your report XXXX credit bureau XX/XX/2023 Closed Company responded XXXX XXXX XXXX Credit reporting Improper use of your report XXXX Credit Bureau XX/XX/2023 Closed Company responded XXXX Report XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reported on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : TRADE DISPUTE TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTIONS DISPUTE COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : FINANCIAL ACCTS SER THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES COLLECTION : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : ABILITY RECOVERY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : DYNAMIC RECOVERY SOLUTION THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. 

My question is how can the negative unverified collection account mentioned above be removed by XXXX but Transunion and XXXX XXXX XXXX agencies continue to report the false, invalidated, and negative accounts which are greatly affecting my credit negatively? I have a right to privacy and I have a right to have accurate and complete information reporting on my credit files.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2023 at the Chase bank located at XXXX XXXX XXXX in XXXX XXXX I attempted to access my father, safe deposit box after his death to perform a Will search. I presented XXXX XXXX my father 's death certificate, the safe deposit box lease agreement, my driver 's license and the box key. The lease agreement designates me as the designee to access the safe deposit box upon his death. I was told by XXXX XXXX and her manager, by phone, this document was not valid, even though they were in possession of the original form. XXXX XXXX gave me a small estate declaration form and stated that the only way to access the box was with the form completed and notarized. It's my belief that the bank has broken California law, Probate Code Section 331, not allowing me to perform a Will search or access the box in any way to make copies of my father wishes given reasonable proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.
Product: Checking or savings account

According to XXXX, PNC has made a change that doesn't permit them to connect with my bank. This is an extremely inconvenient issue, as I use XXXX to pay my rent, etc.
Product: Debt collection

I have an account with TD bank ( one of 3 ) that I have never used. I opened it initially to keep my business income separate from personal, but never used it. TD keeps charging fees to keep it open, and it went into the negative. I have tried repeatedly to close it online but am not able to, said I had to call them. Have tried 4 times to close it over the phone with them, even twice when the balance was zero. 

It remains open, and they keep charging fees. In the meantime, they have been calling and harassing me multiple times per day since around XXXX. It's like owing money to the mob. 

They ADMITTED to having on file a Cease and Desist dated around XX/XX/XXXX yet they continued calling multiple times per day since then. Now they want to throw another of my accounts into the negative, doing what the call an " offset '' to pay the balance on the other account. 
In an attempt to evade the FDCPA, AFTER I told them to stop calling me in XXXX, they stopped calling from that number and began calling from a different number, as my call records will show. In my mind, this appears as a clear and deliberate attempt to circumvent the law. 

They have violated the FDCPA in multiple ways : *Repeated calls in the same day. 
*Multiple calls in the same week, more than allowed. 
*Calling me less than 7 days after speaking to me about the debt, and finally, *continuing to call and harass me, despite a cease and desist notice being on file with them since XXXX of XXXX.
Product: Debt collection

This was the result of identity theft. I contacted Sequium Asset Solutions. Asking them to immediately delete this from my report yet it still remains its on, XXXX, XXXX  and XXXX  it needs to be deleted ASAP.
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 finding 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 and transparency is unacceptable and raises serious concerns about consumer safety.