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

From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, XXXX of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent. 

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation. 

The inquiries I would like to have removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.
Product: Vehicle loan or lease

I had co-signed for someone XXXX XXXX mother company XXXX   XXXX auto they both showing I owe them after sale is not fair how could both company 's claim same thing thank you XXXX
Product: Checking or savings account

A NJ Chase account check was written out to XXXX & XXXX for {$53.00}. XX/XX/2021, it was stolen from mailbox and altered, changing the payee and the amount to {$12000.00}. It was cashed at a NY XXXX bank. 
t was reported to the police and Chase Fraud dept. 
Chase has refused to refund the money, stating that XXXX book was responsible for the refund. 
This has been going on for close to a year. I have been calling Chase every month. They keep sying they are waiting on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS BEEN REJECTED!!! 
To Whom it May Concern Your company NCB MANAGEMENT SERVICE is illegally trying to collect and is furnishing false items that violates my consumer rights and FDCPA and FCRA. Be advised that your claims of validation have been rejected. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, not that your company has already sent a letter or you looked at the names, you have to send a copy. Your company has to provide illegal proof I have legal obligations to pay this alleged debt. Your company explained in response via CFPB says quote transfer included all pertinent information needed to confirm the debt is valid and owed, by law what law is this? because 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

You can not say NCB bought the debt and your company has the right to a debt without showing the bill of sales and how everything transfers to your company. If you notify me XX/XX/year> via mail I need to see proof of this letter, what address you sent it to and the green turn receipt with my signature that I received this letter or any certified mail with this mail and my address. It has to be delivered to me and no one else!

12 CFR 1006.38 - Disputes and requests for original-creditor information.

( d ) Disputes ( 1 ) Failure to dispute. The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

So yes! The transfer of these contractual rights from XXXX to NCB does require my permission! And NCB saying it does not, is a continuing violation of my consumer rights. 15 U.S. Code 1692f - Unfair practices 15 U.S. Code 1692c - Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Student loan

Currently, I have a loan that has bounced around between a few companies. It was originally with the US through FAFSA. I called and talked to someone on the phone who gave me very limited options. Forbearance and deferment were out of the question. I'm trying to go back to college. Eventually, we reached a settlement, that if I could pay off the debt I would be out of default and be able to go back to college. However, I am unable to pay off the debt in that amount of time and will be unable to attend college again in the summer if I can't somehow get out of default. Forbearance would get me out of default temporarily but wouldn't be enough to attend college and get a degree. If I could do deferment, then I could attend college again. My credit will still be shot but I can move forward in life and better my life with the hopes of getting a higher-paying career that will be able to pay back the debt later.
Product: Debt collection

Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you DELETE the fraudulent inquiries, inaccurate personal information, and correct the payment status to paying as agreed to comply with FCR 15 USC 1681 Section 602 604A and UCCS 1666bA which states that I have the right to privacy, that a consumer reporting agency can not furnish an account without my written instructions and that a creditor may not treat a payment on an account under open end consumer credit as late for any purpose. 

I have recently obtained a copy of my credit file and the information STILL is inaccurate.
Product: Credit card

I applied for a discover card on XX/XX/2023 and I received a denial letter in the mail XX/XX/2023 saying that my application was denied due to the status of existing/ prior discover card account. Now I have had a discover card in the past but the account was always kept current and in fact the account ended up being closed by Discover due to inactivity. So I am unsure why I would not be eligible to reapply for another Discover card. When I called Discover about this matter the representative could only tell me that at this time I wasnt approved and that I would have to retry some other time. In my opinion this is a practice of discrimination and bias and possibly a violation of the FCRA because they are restricting my right to obtain credit without having a legal reason for denying my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian and XXXX certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand Experian and XXXX remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX*-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXX -You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX, Account Number XXXX, has violated my rights. 

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

Three Credit Agencies XXXX, Transunion, XXXX are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX XXXX XX/XX/2019 XXXX XX/XX/2019
Product: Debt collection

I called Debt Recovery Solutions , LLC asking them to verify the debt that said is owed. They also received a certified letter asking to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Debt Recovery Solutions , LLC was ask to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing signature. I sent them a letter twice and the information was never verified. I never have taken out a online loan with this company or any other company. They sent me a computer print out without verifying any info that was ask to verify. This company reviews look like they are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax an XXXX credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from XXXX an Equifax see who was using my identity
Product: Credit reporting or other personal consumer reports

I had a XXXX of credit through destiny credit card, in which I never received the card, I must have called 10+times about not getting my card, and why they havent updated my address. Every payment I made showed in my account that they processed at the time, but then my destiny cc would reflect somehh th ing different. For some reason wwithput explanation they cancelled my account and I dont feel that I owe when they cant explain why they would close my account. Ive tried multiple times to contact them since the closing of my account, yet no luck.
Product: Mortgage

THE SERVICING OF MY LOAN WAS TRANSFERRED TO RUSHMORE XXXX XXXX. AT THE TIME OF TRANSFER THERE WAS A LOT OF UNRESOLVED ISSUES WITH THE SERVICING OF THE LOAN BY XXXX XXXX. THE FINANCIAL DATA WAS NOT CORRECT AND I REPORTED IT TWO BOTH SERVICERS. THErgo INACCURATE INFORMATION WAS NEVER FIXED. AT THE TIME THE LOAN TRANSFERRED INITIAL FORECLOSURE PAPERWORK WAS SUBMITTED BY XXXX XXXX ON XXXX XX/XX/XXXX. UNKNOWINGLY TO MYSELF, THIS WAS A VIOLATION OF THE DUAL TRACKING LAW. I WAS ACTIVELY ENROLLED IN THE LOSS PREVENTION PROGRAM. ( XXXX XXXX is currently investigating my account ). I have documented proof that from XXXX of XXXX thru XXXX of XXXX my mortgage was in a forbearance plan. This is documented on monthly statements from Rushmore and correspondence received from Rushmore. I received a notice from the court that a hearing to set a sell date had been scheduled by Rushmore in XXXX of XXXX. I notified the court that I could not attend due to the fact that my wife had just had emergency XXXX XXXX for a XXXX XXXXXXXX and it conflicted with medical appointments. I asked that it be postponed and attached medical documents with the request. I received no response and the hearing tok place. A sell date of XXXX XXXX of XXXX was scheduled and seeing as my wife was at home on XXXX XXXX, I filed emergency bankruptcy to stop the sell. My wife passed away at home on XXXX XXXX of XXXX. I have hired numerous companies to help stop the illegal sell of my home and I also have hired an attorney. I have informed Rushmore and the court that the foreclosing of my home violated the Federal Dual Tracking Law and have been ignored. I contacted the Regional Director from the VA that concurred with the fact that if any activity took place in regards to foreclosure it was a violation. At this point in time the foreclosure is still in process. Additionally, I have applied for a loan modification and have been denied whenever there are existing Hud and VA programs I qualify for.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuits highlighting highlighting issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies my financial institution failed to adequately investigate my claims. They informed me that recovering my loss of funds was impossible and infeasible.Zelle has left customers vulnerable to scams and have allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Previous Complaint : I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXX and XXXX, XX/XX/2019 - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX  XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful. 

New Complaint : It's like the company did not even read it this. The response was absolutely nonsensical. I KNOW hard inquires stay on for 2 years. I KNOW I need to write letters. ( Which I did ) I did contact Transunion. DIRECTLY, TWICE. Even spoke to a supervisor. And nothing was solved. I now have to complain again. I want these fraudulent reports removed like any normal credit reporting agency would do. These inquires were not approved by me. I made no such approval to have my credit run by any lenders in XXXX, 2019. Transunion is by far the worse credit bureau in existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report
Product: Debt collection

LVNV Funding LLC filed a Civil Complaint against me in District Court over a Credit Card Debt i owed XXXX XXXX  during Covid/Coronavirus Pandemic. Im suppose to appear XX/XX/year>. I was never advised legal action was going be taken. They are trying to XXXX and intimidate me. I was orginally paying the Credit Card at XXXX XXXX XXXX XXXXXXXX until the Virus hit and XXXX 's closed permanently. i became unemployed, everything was closed and the card was lost or stolen. I was a victim of a Natural Disaster.
Product: Debt collection

Please be advised that I have previously tried to validate the ownership of this acct directly with XXXX XXXX XXXX collection acct # XXXX, and with the credit bureau XXXX. 

As of today 's date I have not received the requested documentation to proof that this collection acct is mine. I do not know XXXX XXXX XXXX, and I have never signed any documentation with this company. 

Account MUST be removed immediately as its harming my credit. Thanks for your prompt response and cooperation with this request.
Product: Credit reporting or other personal consumer reports

Attached is a police report for XXXX XXXX XXXX XXXX, For Consumer Financial Protection Bureau Report Number : XXXX I sent to XXXX XXXX XXXX I want XXXX XXXX to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others and me from my XXXXXXXX XXXX Consumer Report ID : XXXX.