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

In reviewing my consumer report with XXXX, I noticed an unauthorized Inquiry on my consumer report from a company named McCarthy , Burgess & Wolff on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Product: Checking or savings account

The Date of the Letter was sent on XX/XX/year>. The issue is still not resolved for me missing my lively hood, of XXXX days pay missing at {$18.00} an hour. They are unwilling to accommodate me, for letting a XXXX XXXX  Online Party steal my hard earned money. PNC did not take responsibility of protecting my money. They did not see the Red Flags, I do not have a iPhone 16. I have never made a Online XXXX Transfer to XXXX. I have not been able to access my Account. I was blocked, after I trusted PNC. I was working as a Temp Worker, in a XXXX XXXX XXXX. It was very hard work, and PNC failed to see the Red Flags.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams .this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX, and XX/XX/XXXX, I initiated 2 disputes with US Bank for services with XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. The dispute of the rental car company charge was due to poor service, while the XXXX XXXX dispute was due to the airline 's failure to fulfill its advertised refund promise due to Covid. 

On both occasions, US Bank used up the full month processing time, only to choose not to pursue my disputes any further and instead send me correspondence stating that they choose to stay out of my dispute with the merchants named above. Given that I had already exhausted all attempts of connecting with these merchants, I thought the bank would fulfill its obligation to support me as a customer, but they had no interest in facilitating any discussions with the merchants on my behalf. 

On the other end, when US Bank had questions on a credit card payment I made ( money I paid the bank on my account ), they simply suspended my account without any notice whatsoever. I was left trying to use my card for several days, wondering why it kept getting declined. It took me multiple phone calls and hour long hold times to finally learn that the bank had suspended my credit card, simply because they could not verify the bank account I had used to pay my credit card bill. Yet, they had failed to call, or send a letter, text message, or email, to notify me about the suspension. 

I submitted my complaints to the bank, and have since closed all of my accounts, but I wanted to escalate my complaint by submitting it to the CFPB as well. 

Thank you, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I reached out to XXXX XXXX XXXX to inform them of an issue that I was facing that was preventing me from paying my car payment on time. I informed them that I needed the money to pay for my daughters anti XXXX medication. when I spoke to the representative, she told me that I had no choice but to pay my car and they had to have a payment on the XXXX. if not I was going to lose my car. I asked them if I could get until the XXXX and they said that was out of the question. All I needed was an extra week and they couldn't even do that, they offered no solutions and offered no help at all.
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, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Status : Paid, Closed. 
Status updated : XXXX XXXX Original Balance : {$510.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status updated : XX/XX/XXXX Original Balance : {$1500.00} Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX in XX/XX/2024 in an attempt to resolve a balance of {$28.00} showing on my credit report. Although I did not recognize this account debt or lender, I was willing to pay the {$28.00} to resolve it from my credit report. The associates I spoke with several times stated that this account has been charged off and there is no way for me to make a payment to them or any third party for the debt to be removed from my credit report. They stated the account has been closed and can't be reopened and there is no way for this situation to be resolved. When I disputed this account stating that I don't recognize it, they fought it and refused to allow it to be removed. In essence, they are holding my credit report hostage, by reporting the account as open, past due, charged off, and not allowing me to make a payment to resolve the account even though I don't claim ownership or responsibility. It is completely unfair that I would have to let this negative mark appear on my report and not be allowed to seek recourse.
Product: Credit card or prepaid card

Called Comenity Bank for XXXX XXXX on XX/XX/2022 Made 2 requests : 1. Please post missing statements of XX/XX/2022, XX/XX/2022 and XX/XX/2022, they refused. We have a paperless account and let them know how important it is that we have immediate access to our past statements. I was denied request. 
Details on explaination of refusal below. 
2. We made a promotional purchase based on a 1.99 % for 36 month offer as a XXXX XXXX. Requested that they correct and give us credit for the over charges on interest, they refused. Details on explaination of refusal below. They are charging 4.99 % which is no where on their site as a valid offering. 
This account is in XXXX 's name and I ( XXXX ) am an authorized user with credit reporting under my name on this account. I called XXXX to request that they correct the missing ( 3 ) statements as well as the correcting to the offered 1.99 % interest rate from 4.99 % that we did not sign up for. Their response was that they could not speak to me regarding account information ; I did not request information. I was requesting them to make corrections that are required by law. I requested that they transfer me to a Manager who also refused to correct both issues ; as an authorized user who receives credit reporting under my SS # by comenity I have rights to requests mistakes be corrected. I did not ask for increased credit limit or changes to account, I requested that mistakes be corrected. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.
Product: Vehicle loan or lease

Last week Tuesday night ( XXXX ) the car was repossessed by Truist Bank, the bank that holds the auto loan. 

The car loan is my husband 's, who passed away XXXX XXXX XXXX. He had the car payments debited automatically from his checking account. 

Upon his death, all bank accounts were closed, including that checking account from which the car payments were drawn. 

I called Truist Bank to make them aware of his death, of the closed checking account, to cancel those automaticpayments & to inform them I was going to continue making the monthly car payments. 

Unfortunately since my name wasn't on the car loan no one would speak to me regarding it. Truist Bank continued to submit those auto payments, they were returned unpaid, & monthly {$20.00} late charges accrued. 

I continued making those car payments from my checking account in a timely manner to the present day. 

In order to speak to me I was informed I needed to provide my husband 's death certificate in addition to a " surrogate certificate '', issued by XXXX XXXX XXXX of my XXXX, that would confirm he died without a will. 

Due to the pandemic & closed government offices I was unable to get that certificate until last year. 

Unknowingly, my monthly car payments were not beingappliedtowards thecar payment, but towards those late charges that in 3 years had accrued to over {$2000.00}! 

Only last week did I find out that the car payments were now unpaid for 120 days when they repossessed the car. 

By the way, theynever stopped presenting those auto payments to a closed account, even after I presented them with all the necessary documents & information. 

In 10 days, by XX/XX/XXXX, I'll need {$7500.00} plus storage & a " repo fee '' in certified funds or cash. 

The car is a XXXX XXXX XXXX... .I 'm not sure of the mileage.The car is still XXXX XXXX XXXX XXXX 

I'm a XXXX XXXX XXXX retiree on Social Security & a modest pension. I've little to no means of paying off this car, as Truist Bank wants me to do in order to get the car back. 

In addition I believe I shouldn't have to pay those accrued late charges, which should've been corrected once they knew the circumstances behind them. XXXX, I was alsomaking the monthly car payments at the same time they were presenting their 's. 

Besides, shouldn't they have noticed that those payments were being denied for so many years & should've stopped submitting them? 








Sent from my XXXX XXXX XXXX XXXX
Product: Debt collection

OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

An account has repeatedly been updated as a Charge offs/Closed every month 15 usc 1692g , 15 usc 1681c-2 , to my understanding charge offs accounts should Not include an active payment history, falsely manipulates the statute of limitations.

I Requested 1099c from American Express, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I making a payment on the charge offs, they took a tax relieve from the federal government, it looks like fraud is committed
Product: Checking or savings account

I used to live in XXXX So I came to XXXX because my family needed me and we need money because my sibling is sick, I needed to cash a check so I thought of a bank and put a call through to Umpqua bank and ask the representative if I could open an account and I'll be able to do a mobile deposit and also have access to online banking, the representative told me yes and that I could easily set up and account online, so I went to the website to set up an account, and I provided everything that was requested got to a point opening deposit of {$25.00} was requested I thought I could use the check to pay but I couldn't so I talked to a neighbor and requested to borrow {$25.00} and I'll pay back the next day since I have a check in hand, so XXXX gave me access to take {$25.00}, and my account was successfully opened, my account number is XXXX and I was able to create an online access and have full access to my account, I will also attach prove to this complaint, so I download the app took a clear picture of my check and submitted, Umpqua sent me an email that it has been submitted and will be processed on the next business day, so today the check was processed, and it cleared successfully, few hours after I got the email that my check was successfully processed, I tried to log in and I couldn't, I thought I was hacked then I decided to call Umpqua and they confirmed they deleted my online access and I'll have to wait XXXX hours for them to see what's wrong, No I don't have to wait XXXX hours, I need access to m Money, I want to log into my account, I want to be a belt to withdraw my money at the ATM, I need access to my account. we need money for my sick sibling, it's either you provide your services to me or you don't, Umpqua does not have the right to hold my money I don't owe loan, I don't owe debt and the check wasn't illegal, I'll attach a copy of my check too, everything I did was legal! The check was a legit check that went through successfully! i didn't provide the requirements my account would not have been opened, I want full access to my account, if I take out my money and you feel you want to close the account, Umpqua can go ahead and to close it after I take my account back to XXXX balance!, my details was verified and that's why i was able to open an account, why open an account for me only to keep my money?? i want to have full access to my internet/online banking and transfer my money i want the account closed, according to the account agreement i have right to close my account. Customer service are rude and mannerless, which i read all the complaints on XXXX before opening an account .i have every right to my money .... the check deposited into the account is legit and they confirmed it wasn't a fraudulent check.there was no fraudulent activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple incorrect addresses on my report. I have tried to dispute & only 2 were removed.
Product: Money transfer, virtual currency, or money service

previous mortgage was sold to Mr Cooper current mortgage holder. first contact I made XX/XX/year> and XX/XX/year> and XX/XX/year> all dates resulted same... still have issue with Mr Cooper not paying insurance provider from my escrow account. Insurance provider has gotten same results that i did " NOTHING ''. I'm currently without mortgage insurance. Mr Cooper in a letter dated XX/XX/year> stated that if the insurance was not paid Mr cooper would get insurance for me with higher cost and lowest coverage. I mailed XXXX letters, an email to XXXX Mr Cooper office HQ and other Mr Cooper offices. Please Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, XXXX, and Experian. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Product: Debt collection

I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report?
Product: Student loan

When I received a nearly 10k stipend for serving two years in XXXX, I thought my lump sum payment would have paid my XXXX loan in half. That was in XX/XX/XXXX. Would you believe I still have XXXX to pay on that loan in XX/XX/XXXX? 

How could this be? I was told by navient that after paying the lump sum I did n't have to pay for a few years. I assumed this meant that they were using my government stipend to pay both principal and interest. But not so. In essence they put my loan on a deferment like status ... What they call 'advancing the payment date 's so that during the time I was told I did n't have to pay, interest was accruing. 

A few years later when I started paying again, I owed a lot of interest. What I did n't realize was that all my payments were going to that accrued interest and for years my pricipal was getting hit with more interest as I slowly paid down the accrued interest only. Again, I did n't realize all this until it was too late. 

At the end of the day, through confusing practices, they swindled a young college graduate out of her hard earned government stipend. 

In the end, I am fiancially stable ... But it does n't make it any better. And for thousands of others like me that are still struggling we must take action against navient a d other loan servicing companies like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # 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 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that GENERAL REVENUE CORPORATE ran an inquiry on my credit report without my permission. Under the Fair Debt Collection Practices Act my social security card is my credit card and it was used without my consent. They have never sent me anything in writing asking for my permission to run my social security number now have they even informed me that they ran it and this was a month ago. They are committing aggravated identity theft and a report will be filed with the FTC because I have no idea who this company is or how they accessed my information.