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

I have exercised my rights as a consumer to obtain my consumer report where I identified Equifax as violators of the Fair Credit Reporting Act ( FCRA ). Equifax is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Equifax is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 &
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my lecerally proteced consumer nighis to privacy and contoenually under to vou XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
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. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
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 XXXX years. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
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. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
According to 15 U.S.C 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts. 
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 XXXX years. XXXX is supposed to ensure MAXIMUM ACCURACY POSSIBLE. These accounts violate this law. Delete accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove theinformation from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4business days after the receipt. Also, the information provided on some items areUNKNOWN to me and REMOVED from other bureaus and I have doubts about theiraccuracy. XXXX XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Owed : {$5000.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; BKOF XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$550.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$720.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$430.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$8400.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Owed : {$61.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Owed : {$760.00} ; XXXX  XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} ; XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed for bankruptcy in XXXX  i was XXXX in XXXX i asked all credit reporting agencies to remove as its been 9 years. i haven't gotten a response from any of them and its been over a year since i asked
Product: Debt collection

For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/2022 CREDCO - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDCO - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX  have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 


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

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.
Product: Mortgage

I was hired to list and sell my clients house as a short sale. After obtaining all of the documentation to submit a short sale package to both lien holders the 2nd lien holder United Guarantee ( AKA- XXXX MI ) asked for my letter of authorization in order to discuss a short sale review. After submitting the offer, letter of authorization and closing disclosure i received an email from a XXXX XXXX who simply stated he declined in participating in a short sale for the client. 
The first lien holder has accepted their package for review, and the 2nd would not even look at the request for modification of the original loan to do a short sale.. They would not look at any of the seller financials or requests made for a review. XXXX XXXX just sent me an email declining participation with no review.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft. 

The best course of action to resolve this issue is to have the fraudulent account removed from collections and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from Equifax and XXXX. I even wrote follow-up letters to Equifax and XXXX in late XX/XX/XXXX, but those letters have also gone ignored.
Product: Mortgage

I have been making bi-weekly payments that included extra funds to be applied to principal on my loan for about 1 1/2 years. In XXXX 2015 I received a check for {$640.00} from Ditech for escrow disbursement. Upon reviewing my account online I found where Ditech had applied my extra payments to escrow XXXX, sometimes XXXX in a month, instead of correctly applying the extra payments to principal. I have contacted Ditech with my findings and have repeatedly been told that there was no issue and that the multiple payments to escrow was legal. Once again, they sent me a check for funds that SHOULD have been applied to principal and reduced the interest charged to me. They refuse to acknowledge their error, despite the check copy that clearly shows otherwise. I have downloaded all of my data from their website that clearly shows this yet they refuse to correct. Please help.
Product: Vehicle loan or lease

I had a lease with JPMCB Auto which ended in XX/XX/2020 and they still showing this lease as open lease in our credit report but it is already pad and closed, I am trying to refinance my mortgage and because of this is holding me to do it. I called them 3 times and they always promise to fix and provide letter but they never mailed me anything to prove that is paid and closed.
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 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 the recovering of lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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.
Product: Checking or savings account

My company where I have recently joined uses XXXX  software, which is a cloud-based payroll software to make payments to its employees in the US. When I try to link my PNC account with the XXXX   software, a notification message pop-ups on the screen saying that PNC Bank has made changes that prevent me from linking the account with this software. My company has been trying to solve this issue, but they are unable to do so. 

Kindly solve this issue and help me link my account with XXXX  software to receive my salary swiftly. 

Thank you
Product: Student loan

On XX/XX/XXXX I completed Navients ' School Misconduct Application. My private loans that had originated with XXXX XXXX in approximately XXXX were transferred/sold to Navient some years ago. These loans were taken out while attending the predatory schools XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The federal portion of these loans were discharged as part of the XXXXXXXX XXXX XXXXXXXX Class Action Lawsuit. I firmly believe that since the federal portion of these loans were discharged due to litigation, that the private loans that were taken out by the same predatory schools, should also be discharged. 
On XX/XX/XXXX I received a notification from Navient that they denied my School Misconduct Application because : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' They did not list any of the factors or WHY they denied the application. It seems very reminiscent of when they did mass denials of borrower defense applications around XXXX, when no reason was given at that point as well.
Product: Debt collection

This is a medical account that had been paid off almost 2 years ago. When I paid it off, my doctor XXXX XXXX contacted this agency and had it removed. I checked my credit and was surprised to see this on my report because without an account number or anything that actually connects it to me. I did not received any contact whether call, email or letter to say that this had been done. I contacted the collection agency CDI Affiliated Serv. regarding the matter and I was told that they had no ideal how this appeared on my report, that it must have been a glitch in the system because it was closed with full payment. I was advised by the Service Rep. to dispute the item on my report and as soon as they get the dispute they will remove said item. I have also contacted my doctor of this situation. 

Well, I have now disputed it twice with XXXX, who allowed this to happen without verification or validation, because it came back as verified. This false claim has brought my fico score down more then 80 and I am furious. I work hard at trying to maintain good credit and it is ridiculous that any company from any where can report false, old and other individuals mess to the credit bureau and have it verified as being accurate. This is not fair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XXXX XXXX at approx XXXX Debit Card was declined for purchases. Contacted USAA costumer Svc Line at approx XXXX and spoke with XXXX XXXX ; XXXX refused to explain why I could not access my account as the primary account holder. Asked to speak with Supervisor, Was Transferred to Member Resolution Dept and spoke with Rep XXXX at approx XXXX, Rep refused to explain why I could not access my account as the primary account holder and when ask to speak with her supervisor ; Rep refused and stated there is no one above her she could transfer to. Called back to USAA to file complaint was transferred to Deposit Svc, Banking Dept, Spoke with Re XXXX XXXX at approx XXXX, At first, rep did not want to take complaint but then after XXXX min hold took complaint and stated that someone will contact me within 3-5 business days.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown accounts on my credit report
Product: Credit reporting or other personal consumer reports

Under FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, I have the right to verify that the credit reporting agencies have correctly verified my identity to these accounts on my credit report AFTER I have already disputed these accounts with wrong names, addresses, and accounts I NEVER gave consent to obtain and have on my credit. I have asked and submitted online request to all XXXX major credit reporting agencies, they stated that it was verified without any proof or correspondence to notify me properly. I have requested that these names and accounts be removed immediately for knowingly/ unknowingly to continue to report false or innaccurate information on my credit report. 

Below are a list of aliases, accounts, and addresses that I have disputed and have no knowledge of : AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKOWN Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX UNKOWN ACCOUNT : XXXX XXXX XXXX XXXXXXXX {$9300.00} {$0.00} Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX
Product: Debt collection

Bull city financial original debt holder is XXXXXXXX XXXX  I havent been in a transported in a ambulance since XXXX when I had a XXXX XXXX this is my wifes that past away I have had a XXXX credit card since XXXX all my co pays or what the insurance dont pay goes on the card I pay it monthly on time its been removed from all cedit reports except XXXX  XXXX
Product: Debt collection

XXXX XXXX XXXX, attorney for Debt Collection and the XXXX XXXX   and/or XXXX have no rights to file a lawsuit against me after my account has already been closed by the XXXX on XX/XX/2019. This is clearly a violation of the Consumer Protection Act and the Fair Debt Collection Practices Act and unethical code of conduct. Again, this is the harrassment and abuse by you and the XXXX and XXXX Bank. This is clearly against the rules of laws.On XX/XX/2019, the XXXX issued the refund and the check in the amount of {$0.00} ( check # XXXX ) and I received the check, but did not cash it on XX/XX/2019 ) XXXX XXXX XXXX at Suttell & Hammer , p.s.XXXX, XXXX, XXXX ; XXXX. I responded to your letter and to your office ( XXXX ) XXXX and left the detail messages for Ms. XXXX XXXX on Thursday, XX/XX/2019 at XXXX XXXX  ( PT ) on her recorder but she did not respond to my phone call. I also left my name, account # or reference # for her and my home phone numbers. And, on XX/XX/2019 I also mailed my response to you. 
My address : XXXX XXXX ( consumer ) ,XXXX XXXX XXXX XXXX, XXXX, XXXX , WA XXXX ; homephone ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX XXXX : {$36.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$3000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts must be updated. 
XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Debt collection

On both my XXXX and my XXXX XXXX accounts, it says that I have a collection owed of {$510.00} from a company called Sunrise Credit Service. The original creditor says its from XXXX XXXX. It was opened on XX/XX/XXXX and I didn't notice it until it negatively impacted my credit on my accounts. It also has a random address listed in my credit from Ohio. I never once had a XXXX account ever nor ever took out this loan or ever been to Ohio. I tried to dispute through XXXX but they didn't do anything. When I call the Sunrise Credit Service they right away ask for my Social which I didn't feel comfortable giving because I have no idea what this company is at all or if its a scam.