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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX Reported : XXXX XXXX, XXXX Inquiries to be 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 yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  Closed No Info I have no knowledge of signing any agreement with XXXX XXXX XXXX XXXX XXXX. Please removed from my credit profile permanently.
Product: Credit card or prepaid card

I tried to make a purchase in-store at XXXX & XXXX ( XX/XX/2023 ) and VISA gift card was declined. I then tried to make a purchase on XXXX for {$100.00} ( XX/XX/2023 ) and card was again declined. 

I then tried to register my XXXX gift XXXX and was unable to do so. I called the hotline # and spoke to XXXX about it and was told I needed to submit a complaint online and upload photo documentation to resolve, which I had already attempted to do because there was no link to actually register the card on the website. 

I attempted to do so again and an error stated to " Contact hotline number to resolve issue '' It's an endless loop of declining any in-store purchases and any online purchases. There are hundreds and hundreds of complaints against this company for doing the exact same thing. They're stealing our money by declining our purchases and refusing to issue a refund or a new gift card. This is a scam company!
Product: Payday loan, title loan, or personal loan

I previously had a loan with freedom plus.com when I was a company employee is employee for Is the trucking company I worked for. I recently paid the loan off early Under the self employment that I currently have now. I went to freedom plus.com to inquire about a another Loan and they're refusing me for debt to income ratio for the tax year 2020. Being that I didn't have enough time in self employed they're refusing me for a XXXX. They have also made a hard inquiry on credit score.
Product: Debt collection

PRS collection agency purchased my debt from XXXX. My debt with XXXX was resolved with a settlement years ago between XX/XX/XXXX and XX/XX/XXXX. PRS purchased my debt from XXXX XX/XX/XXXX which they are calling me on my cell phone and my relatives regarding a debt I do not owe. Not to mention the statue of limitations on this debt has expired. So they are illegally collecting on debt that is unrecoverable. I have called them, and I filed a complaint with XXXX and they still contact me and my relatives. Before I take legal action I would like to make one final attempt by contacting your office. If you can recommend an attorney I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below contains several errors and missing information, according the the FCRA Section 15 USC 1681 and 624 ( a ) ( 1 ) ( A ). This account is still not reporting 100 % accurate and contains the following errors : 1. Account shows two consecutive months of being 30 days late. ( how is that possible ) 2. Account shows multiple charge offs and missing information. 
3. Shows account in bankruptcy, how can a charge off and a bankruptcy be on the same account? 
4. Shows a high balance of {$4100.00} with a credit limit of {$1100.00}. 
Now is not the time to update this account, it must be deleted from my credit report, as required under the FCRA. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and im concerned
Product: Credit card

My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$980.00} XXXX FIN XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check submitted to this CheckR on XX/XX/2021. They are over 8 weeks since this was submitted. They state in many places 3 to 5 business days. I have tried calling, no matter what option selected their phone systeem will tell you there is no one to take your call and hangs up. They took 6 weeks to answer an email, and all it said was most background checks take 3-5 business days some may take longer due to court turn times. There is no getting a resolution. This company is not accountable to anyone. They are costing me thousands of dollars I could be making if working at the job they are supposed to be clearing my background check for.
Product: Credit reporting, credit repair services, 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. 

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 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 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

15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.
Product: Bank account or service

Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been recieving all these inquiries and didnt know what they were until i did my research
Product: Credit reporting or other personal consumer reports

Identity theft due to information being exposed with data breach XXXX XXXX Ssn : XXXX Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Transunion, Experian, Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX XXXX  account number XXXX account opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX XXXX opened XX/XX/XXXX acct XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit card

My information was wrongly used I had a fraud alert on my credit profile I didnt create these collections on my account I would like to remove all collections or inquiries on my credit profile I didnt have any idea my credit profile was being used
Product: Vehicle loan or lease

Ford received my final payment for FULL AMOUNT OF CONTRACTUAL PRINCIPAL PAYMENT OF CAR LOAN ( {$750.00} ) XXXX Ford XXXX XXXX XXXX XXXXXXXX by Check on their website ( set up XXXX XXXXXXXX Ford credit reported my account as a CHARGE OFF ( INACCURATE as principal of loan was paid. Also Fords computer system reports deferred payments as 30 days late to credit bureaus. I want all these inaccurate information REMOVED from all credit bureaus ( last 24 months ) ALSO TILTLE OF AFOREMENTIONED VEHICLE SENT TO MY UPDATED ADDRESS AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I made multiple student loan payments from my bank account or through debit card payments from XXXX all the way through XXXX. So when I heard of the cares act that president Biden announced that I would be able to get refunded for payments made during the pandemic, I say this is great. Seeing as it was a very tough time at the time and I still tried my best to make those payments. I made a few calls to my student loan servicer who at the time was Great Lakes borrow services. I contacted them to get more information on this matter and also to ask about the initial student loan forgiveness plan that the Biden administration tried to get to pass before the Supreme Court shut it down. In those conversations I made it clear that I was requesting a refund for those amounts, it was so clear that the person I spoke to multiple times broke down exactly how much I would receive back in refund. Well it is now XXXX and still have not received a refund. My loans were transferred to a new borrow derive named nelnet. Once president biden announced he would forgive more student loans through the save plan, Ive called in multiple times to see whats going on with the process. Today I called to get more information because only some of my loans were forgiven and I still have a balance on the account, Im the process of asking these questions I also asked about the pandemic cares act refund that I should have received. Being that I didnt originally start my loan with nelnet XXXX wasnt sure what steps I can take. They then confirmed that they have correspondence from my former student loan servicer but that they did not see where I requested a refund. They said that they only see I requested a refund through the Biden XXXX or less plan or something like that. So you can see how shocked I was to hear this when I clearly made it abundantly clear that I was requesting a refund with my former student loan servicer. Im so distraught I dont know what to do. I made it clear that I requested a refund and now theyre telling me that I requested something else. This is the worse experience Ive ever had with a loan servicer and now theyre refusing to process any kind of refund this is terrible and unconstitutional.
Product: Credit reporting or other personal consumer reports

CHRYSLER CAPITAL is in violation of an law set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history ), between the consumer ( myself ) and the person ( Chrysler Capital ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Chrysler Capital ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) 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

I have 16 inquiries on my credit report that I have no knowledge nor gave my consent to pull my credit Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX FIN XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Product: Vehicle loan or lease

I Have Called Honda Financial and advised that this account was opened fraudulently and have made a settlement to have this item removed from credit report as part as my settlement offer. As of now Honda Financial has not done their part of our Settlement.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Last year, XX/XX/XXXX, I filed XXXX XXXX XXXX. The automatic stay order was sent out to all creditors including to MohelaXXXX, the loan I am a cosigner on with XXXX XXXX XXXX XXXX who also filed for XXXX XXXX XXXX XXXX XXXX XXXX 

This loan financed with XXXXMOHELA is a private student loan and is not federally backed in the amount of {$76000.00}. 

During my automtic stay order MOHELA violated the order with phone calls, voicemails, emails, and letters in the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX A Certified letter was sent to MohelaXXXX by XXXX XXXXXXXX XXXX on XX/XX/XXXX with the loan forgiveness and discharge from his bankruptcy and concerns of them violating my automatic stay order. They did not respond and in an attempt to avoid penalities the Mohela loan was sold to XXXX XX/XX/XXXX, prior to my discharge of bankruptcy XX/XX/XXXX. 
I find this grossly neglectful on their part to avoid addressing this matter. 

XXXXMohela are arguing that this student loan is a federal loan and is not dischargeable. This loan does not constitute as a " qualified educational loan '' as defined under 26 U.S.C 221 ( d ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a address that I dont currently live at. I mailed in a dispute letter with all my current information. The accounts on credit arent reporting the address Equifax has as current. They refuse to update my address and even mailed out dispute results with all my identification to a address Im not associated with. I was confused to why the dispute results stated mailed but I never received them. I mailed in my dispute and also open up a dispute via myequifax. I was emailed and asked to fax over my ID, Current proof of residency and social security card. I did and continued to receive alerts to my email to send the documents that I already faxed. The proof of address is a current cell phone bill with the current address the same address on the return envelope that I sent my written dispute in. So now my account and life insurance systems are updating my current address to the address that Equifax is reporting where I do not live or receive mail. I live in XXXX  but my mail is going to XXXX. Equifax is the only credit reporting agency thats reporting the address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 
The address dates are not correct and my current address is being reported as if I lived there a year ago when I hadnt.
Product: Student loan

Nelnet 
Securities Fraud 
Stolen promissary note 

XXXX  reported new open account without written consent, 

Federal Law Violations : TILA , FEDERAL RESERVE ACT, BILLS OF EXCHANGE ACT, 15 USC , 31 U.S. Code  3123, Title 18 241/242 , Fair Credit Billing Act , , HJR-192, EQual Credit Opportunity Act ,
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : XXXX. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your immediate attention to this matter.