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

XXXX XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Product: Student loan

I contacted Navient requesting Verification of the debt Navient says I allegedly owe to them. Weeks Later Navient sent the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Master Promissory Note ( see attachment ). In this Promissory Note it's referred under the Borrowers Rights and Responsibilities Statement, the words we, us, and our refer to the U.S. Department of Education and Direct Loans are made by the U.S. Department of Education. However in the Promissory, it does not Include Navient. I am a private consumer. I never gave Navient Written Permission to Furnish Any information About me to any Consumer Reporting Agency 's, No Consent means Identity Theft. It was not clearly and conspicuous stated Navient would furnish any information about me, or be acting as a debt collector collecting payments due or owed to the U.S Department of Education. I never entered into a contract with Navient. Furthermore i am challenging the accuracy and integrity of furnished information by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$1300.00}
Product: Credit card

I was notified that somebody checked my credit history without consent, and then was sent a credit card from military star for a credit line of {$7100.00}. I never applied for this card nor did I authorize them to run a credit check nor send me the card nor open an account.
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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerabletoscams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumersafety.
Product: Credit reporting

I have a credit score that I 'm not understanding. Within the past 2 years actually less than that. I 've opened 4 new accounts and have n't missed a payment nor has it been late with these new accounts. I 've checked my scores recently and nothing about my score has changed in almost 10 years it has been the same. I should 've had 50 points added to my score just for opening the accounts. That would 've given me 200 points to my score in which it has n't. I 'd like to know why this has happened? Why have n't I received the points I should have? I feel as though these reporting agencies are keeping my score hostage at a lower % to make me have to pay more money. I hope this dilemma will be rectified and give me the score and credit that are correct. 
Thank you,
Product: Debt collection

I received a notice of sue today. Ive been sending letters to the credit bureaus asking for validation of debt and I never received any responses until this sue. Ive asked for them to validate this debt and all invalid info they have and if they can not to remove this discover card. The debt showed removed then now they are suing and its back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several addresses that are not reportable addresses by me. I have never received mail at these addresses either. They are appearing on my credit report and Transunion refuses to delete them.They are not deliverable by mail to me. there are incorrect phone numbers as well reported that need to be remove as well as employment data.     Attached is my current drivers license and ssn card Remove  XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Sales Agent   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is an unauthorized inquiry in my credit report, this was opend on XXXX XX/XX/2024 and i dont recognize as mine.. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Mortgage

We have a mortgage with Chase. They have been charging us for Mortgage Insurance. 
Chase for several years kept on telling us we were underwater. First they said they were using a formula that XXXX used. XXXX denies getting involved with the mortgages that they invest in. XX/XX/2014, since we were underwater, we filed a request to Arizona Department of Housing for a grant. Arizona did a complete analysis of the value of our home and determined that our Home was not underwater. We sent the documents to Chase and they ignored our request. We even sent them a Agent 's opinion regarding the value of the property. Never a response. We requested several times a certified copy of the insurance policy so we could review the terms and conditions. The only response we received was a call advising us that the policy was confidential. Nothing like hiding the facts. This year we received a statement advising us that we could request the Mortgage Insurance removal. We did and we received a letter requesting over {$450.00} to review the property. Chase already had the information for over two years and they did nothing. Further, the money they want is really a penalty for the removal of insurance that, under the present value, will pay nothing. Its an illusion that the bank is merely making pure profit without any risk. This conduct is unethical and criminal, taking money for an illusion where there is no risk. We should be allowed to see the policy and the bank has the ability to verify value without making us pay money which acts as a chill from customers to request the removal of the mortgage insurance. As a simple alternative, a reasonable fee could be added to the loan without making people spent almost a year of premium to get it removed.
Product: Checking or savings account

On Sunday, XX/XX/2022, I fell victim to a scheme via XXXX XXXX where I paid {$500.00} under fraudulent circumstances. Payment was made via XXXX on my Bank of America account. Immediately after payment was issued, I realized it was a scam and called BOA to stop the transaction. The representative I spoke with advised that payments can not be reversed once submitted through XXXX. Please keep in mind that XXXX is a vendor that Bank of America endorses. At that time, I was advised that a fraud claim would be filed, which would include contacting the other party 's bank requesting the funds returned ( which BOA called " a courtesy, '' but I would call " the bare minimum '' ). After not hearing anything for several days, I called BOA back on XX/XX/XXXX, only to be advised that a claim was never filed. Fraud claim was filed that day. A few weeks later, I received word from BOA that since it was a willful payment on my end, they would deny my claim and their " attempt '' to recover my funds from the other party were unsuccessful. Of course they were unsuccessful ... they didn't file the claim when they said they would ( date of transaction ) so after I followed back up XXXX weeks later, it should be no surprise the funds were longer available in the recipient 's account. In late XXXX, I transferred funds from another bank account I have to my BOA account via XXXX. After submitting the transaction, there was wording on the confirmation page that the transaction could be reversed for {$10.00}. Clearly that would indicate that funds submitted via XXXX could be reversed, but BOA 's utilization of vendor obviously doesn't include that option. I provided a screenshot of that confirmation page to Bank of America, spoke with a representative, and a manager from the XXXX Complaint department both of which confirming my claim would be denied. When asked to speak with someone with the authority to reverse the decision, the manager advised me that anyone that she put me in contact with was not going to reverse the decision. Also, between the time of the fraudulent transaction and now, BOA customers have received at least 2, maybe 3 generic emails about the use of XXXX and its potential for fraud - BOA continues to use and endorse this vendor despite of its fraudulent potential for its customers. My only ask is for Bank of America to do the right thing and credit my account back the {$500.00} lost. I did my due diligence to reverse the transaction immediately, but the real detriment is BOA not following up with doing what they said they would do ( file a fraud claim immediately ). I have been a customer for 16 years and I would expect better service to a long-term customer. Also, why would BOA continue to use AND endorse XXXX if they know the potential and high number of fraud schemes using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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

I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport
Product: Money transfer, virtual currency, or money service

The reply to the previous complaint was to contact support, escalate through support, and file an appeal. All of that has been done through cashapp which is why I am contacting CFPB. Cashapp will tell me nothing. Magicly the appeal id filed was closed today after cashapp got the CFPB complaint they closed the complaint through cashapp. All of the information theyre asking are asking for is in this complaint. Ive exhausted all resources through cashapp and am told theres nothing they can do or they cant see anything. The information theyre asking for is in the complaint. 

$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX on statement. 

Attached is the statement and the conversation with support and the statement the charges are on. 

DO NOT tell me to contact cashapp support Ive contacted them many times with XXXX resolution. Ive also filed an appeal with XXXX resolution. ALL the information you need is in this complaint. Please dont ask for it again, just read the complaint. 

Below is the narrative from complaint number XXXX. 

On XX/XX/scrub> 2024 someone was able to get onto my cashapp account and move money around my account and able to send money to another account. they sent money to a " XXXX '' as it appears on the statement but the name changed multiple times between XXXX and XXXX. In XXXX whenever saw the transactions there was a different name. When i tried to report the charges to Cashapp the accounts name had changed to " XXXX XXXX '' then it changed to " XXXX '' at the time the statement was created. This person sent money to the account on 7 occations ranging from $XX/XX/XXXX {$15.00}. I reported all of these transactions to cashapp and they investigated. they began sending the payments back and refunding the money as fradulent. after the 3rd repayment they said that the rest of the transactions were not fraud and that i had violated their terms and conditions. I have chated multiple times to ask why this had happened and why my account had been closed and the person on the chat always says they dont have access to that information. In XXXX i tried to appeal the account closure but after it was reviewed they still have the account closed. they only thing anyone can say is that its closed because i " violated terms and conditions '' and they send me this huge terms and conditions of cashapp pdf. they can not tell me how or when or what caused the terms violation. I am still owed 4 payments from when the money was sent to a fradulent. They repayed 3 of those but left the rest and said i violated the terms and conditions. How can they determine 3 of them to be fradulent but the rest not fradulent? that makes no sense. the money was all sent to the same person and they deemed it fradulent on the first transactions but said the rest wasnt fradulent. Its very obvious this account was fradulent as the name changed multiple times in a month. Attached is a copy of the statement with the fradulent charges on it from XX/XX/XXXX. I have screenshots of the conversations ive had with cashapp but i can not get them to upload to this complaint.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from my local dealership and financed it through Hyundai Motor Finance. I paid off the car in XX/XX/XXXX. I have still not received my title or lien release, both of which I need to finish titling the car in my state. I have contacted Hyundai Motor Finance ( HMF ), Hyundai, and the dealership multiple times. All parties have directed me to HMF for resolution. The HMF website claims that they have already sent the title documents to me. When I call the customer service number, I get an automated message saying that they have already sent the title documents to me ; and I can not get it to connect me to a person for assistance. 

I just want my lien release and title so I can finish titling my car. If there was a mistake or issue with the process, I want to be able to contact HMF in order to get the issue resolved. It's not that hard. Please make them send me my lien release and title and/or get in touch with me to let me know what they still need from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a vehicle listed on all XXXX credit reports with inaccurate information. Please remove it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

PMI should automatically cancel when loan is under XXXX % loan to value. According to the original value and Ditech 's own calculations ( see attached ) my PMI should have terminated already. When you add the {$5000.00} HAMP incentive they are a year overdue in crediting I should be reimbursed for almost a years worth of PMI since I would have hit the XXXX % mark 12 months ago. I have another CFPB complaint in regarding the failure to credit my HAMP. In addition the company never responded to CFPB complaint XXXX in any meaningful way. On XXXX XXXX 2016 they closed it saying they would resolve it in 60 to 90 days which never happened. In addition, they negatively reported me to the credit bureaus in XXXX which is also a violation of Dodd Frank since they have an unanswered RESPA inquiry they have failed to address for over a year. How can you be late when the balance and payment information they send to you is incorrect? There are countless violations of Dodd Frank. I am tired of waiting for a reasonable response. My next step is consumer attorney. I have not even gotten into the illegal application of fees they transferred from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a refi on our home and was questioned about the report from NewRez-Shellpoint that appeared to be two missed payment on XX/XX/XXXX and XX/XX/XXXX. I manually subtracted the amount paid from XX/XX/XXXX to XX/XX/XXXX the balance amount is correct but the columns don't indicate payments. This error could have and may have effected the amount that I was charged to finance my loan. As this was shown as missed payments. I contacted Shellpoint and they reported a XXXX missed payments and sent a letter of verification to me on XX/XX/XXXX. All three credit reporting services should be notified, XXXX, XXXX, XXXX and XXXX XXXX XXXX and any other lending companies involved in this loan.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Americredit obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. The FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting Americredit, they were unable to provide proof of my signed approval for them to pull my credit report. 

Additionally, two inquiries from Americredit are present on my credit report for the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has been reporting an account on my credit for way over  XXXX  years. I would see the account appear on my credit report and dispute it. The account would be removed for a few years ; then it would reappear. The account would appear under many different collection agencies names and account numbers. I have disputed this error with  XXXX   XXXX  and they could not verify the account and removed it. I then disputed the account with Equifax several times  XXXX / XXXX / XXXX ,  XXXX  with th e most recent time being submitted on  XXXX / XXXX / XXXX . Each time Equifax is stating that they have verified the information. I went t o Civil cou rt on  XXXX / XXXX / XXXX  and th e Judge ruled  in my favor that I do not owe this debt. Equifax is still reporting this debt on my report which is financially harming me. I have called the collection agency as well and they could not find the account ; but it 's still reporting.