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

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On XXXX XXXX the agency sent a letter stating they had completed their investigation and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. I feel like I'm being taken advantage of of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for ligation due to the stress they have cause me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$130.00}XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$120.00}, XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$56.00}, XXXX XXXX XXXX XXXXXXXX Account # : XXXX  date XXXX XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXXccount # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and Identitytheft.gov report. So I got both reports and sent them to the address XXXX asked me to ( Goldman sachs bank usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Product: Checking or savings account

My debt card and phone were stolen and used to transfer money from others into my checking account ( and from my savings account ) then used my debt card XXXX times at Chase bank atms to withdrawal money. Chase was unable to provide atm footage without a subpoena, and refused to reimburse the claim. I also filed a police report and provided Chase with police documentation proving I was not at the atm during time of withdrawal
Product: Debt collection

This company calls me repeatedly throughout the day, every day, of the week. From morning until night. They have never left a message. They use multiple numbers to call me from. It interrupts me at work. it interrupts me at home while I care for my young son. I have answered XXXX in the past but nobody communicated on the other line. They call XXXX times a day for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " XXXX XXXX XXXX XXXX '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX XXXX XXXX, this time that " XXXX XXXX XXXX XXXX '' was reporting a delinquency of {$4500.00}, and this time they also reported it to Experian, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with Experian, and sent an email to XXXX disputing this debt. Experian took it up with XXXX, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

Experian noted on my credit report that I state I have no knowledge of XXXX, but they refuse to drop the delinquency because XXXX calls it valid.
Product: Checking or savings account

On XXXX XXXX filed a claim form Bank of America about a company who has token many form my account 2 times now on for XXXX $ and now for XXXX and bank denied my claim
Product: Debt collection

I have gotten 4 voice mails for my husband 's niece for a creditor. They have left messages on the following dates and times : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXXXXXX XXXX
Product: Vehicle loan or lease

Requested documents are not being provided as well as violations by financial institution are as tho they dont apply to said corporation.
Product: Credit reporting

I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Experian file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.
Product: Money transfer, virtual currency, or money service

am writing to express my concerns regarding Zelles inadequate handling of dispute resolutions, particularly in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite repeatedly using Zelle and reporting problems, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was not feasible and tracking these transactions was impossible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeated exploitation by offenders, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from TransUnion XXXX XXXX XXXX  XXXX XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.
Product: Credit card or prepaid card

To Bank of America On Your letter dated XX/XX/2023 reefing to account number XXXX that refers to response to my complaint dated at Consumer Financial Protection Bureau Your information is inaccurate dont match referring my Complaint dated XX/XX/2023 About credit card account ending in XXXX fraudulent payments from an XXXX XXXX XXXX  account ending in XXXX that I never had .Such no payments made from an XXXX XXXX XXXX  account . 

Your stated We review our records and confirm the account information we reported to the consumer agencies is correct Your records are inaccurate and wrong referring to account number ending in XXXX As per your letter dated XX/XX/2023. 

Referring to account, account number ending in XXXX Bank of America letter dated XXXX XXXX Bank of America copy  of letter As per your letter dated XXXX XXXX, referring to credit card number ending in XXXX Payments from XXXX XXXX XXXX  account ending in XXXX .Find enclose letter I never had an account at XXXX XXXX XXXX  ending in XXXX, find enclose. No payments, fraud payments about account XXXX I communicated with Bank of America via certified mail on XXXX XXXX Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXX XXXX Bank of America copy of letter As per your letter dated XXXX XXXX, referring to credit card number ending in XXXX Payments from XXXX XXXX XXXX  account ending in XXXX .Find enclose letter I never had an account at XXXX XXXX XXXX  ending in XXXX, find enclose. No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXX XXXX XXXX  thank you XXXX XXXX Please send me a confirmation letter showing that Im no accountable for account number ending in XXXX, within 7 business days.
Product: Vehicle loan or lease

I recently moved from XXXX to XXXX. Since XX/XX/XXXX I've been trying to get a letter of permission from Kia Motor Finance to register my car. Since then I have not been able to drive the vehicle because it is not registered and I don't have tags for the car. XXXX law requires registration with 30 days of permanently moving to XXXX XXXX. 

I haven't gotten any updates from Kia and when I call customer service all they have to say is that it's being dealt with by a different department. It's been 5 weeks and I have no Idea what's going on and I have not been able to use the car.
Product: Student loan

In   XXXX   I contacted  XXXX   XXXX  because my employment situation changed and I was unable to afford the payments as they were to be made. I made SEVERAL calls asking if I could make payments in the amount of $  XXXX  month as it was all I could afford. I was told EVERY time that I was required to make the entire payment and if I could not afford it, I should apply for deferment or forbearance. As of 2 months ago, I was UNAWARE of  XXXX   XXXX   XXXX . Since I learned on it, I have been placed on plan that allows me to pay $  XXXX  month. That 's how dire my situation was/is. This is shameful. Additionally, I was able to attain additional loans through  XXXX   XXXX  for  XXXX   XXXX , even though I was unable to pay on the  XXXX  loans I already had. Predatory lending?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and saw some unauthorized and unvalidated inquiries on there
Product: Credit reporting or other personal consumer reports

I am not liable for this debt I have attached below I do not have a contract with these companies they have not provided me with no original contracts as I requested. please help me get this removed to ensure the correction of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. Law 15 U.S.C. 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I was sent a letter from a lawyers office Rubin and Rothman stating I owe them a debt. I did not recognize it. I sent them a debt validation letter and it was certified I have the proof they received letter. They never sent me back what I asked for. Today I got served and the letter was taped on my door for everyone to see.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS TRANSUNION ACCORDING TO SEC.FILINGS IS NOW TRANSUNION INTERMEDIATE HOLDINGS, INC. A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
TRANSUNION /TRANSUNION INTERMEDIATE HOLDINGS , INC , XXXX , XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Product: Credit reporting or other personal consumer reports

Over past 2 Months both XXXX and Trans Union have drastically lowered my XXXX and fico scores, unfairly. 2 high credit lines closed card accounts sue to no more program, XXXX cancelled with XXXX a XXXX line of credit, another XXXX cancelled due to no longer carrying line ( XXXX XXXX ). My record of payments is excellent, never late or delinquent, currently paying off line closed on time. Several of my highcredit lines lowered my credit lines due to this deflation action reporting of trans union and XXXX, prior my fico on both was XXXX and XXXX accordingly, now it is XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I purchased an acreage. I had borrowed through XXXX XXXX XXXX as a first time home buyer. It was a FHA Loan. My taxes and insurance is all escrowed as well as the PMI ( private mortgage insurance ) In XXXX the PMI had come off my mortgage. Making my payment somewhere around XXXX a month mark. In XXXX I decided to refinance to take advantage of lower interest rate. The refinance was with Nationstar Mortgage. Who now is Mr Cooper. Since refinancing the PMI had went back on my mortgage. Since my refinance my payment has significantly climb to up over XXXX a month. Yet my mortgage balance does not not decrease. Last year at this time Nationstar mortgage told me in XX/XX/XXXX the PMI would come off. Mr. Cooper associates tell me that im not eligible now. Ive lived in this house I purchased for 8 years now. Never missed a payment, was never late. My mortgage balance doesnt seem to decrease How ever my payment continues to go up and up. I feel as if something is just not right. Ecspecially after being told by Nationstar before switching names ... that the PMI would fall off in XX/XX/XXXX.
Product: Debt collection

I went to the university of XXXX from XXXX. I received private student loans from the AK XXXX XXXX XXXX XXXX. Years later, I ran into hard times and filed bankruptcy in XXXX. I had never made a payment on these loans because when the payment became due, it was way too much for me to pay. They were included in my bankruptcy as well anyway. I 've disputed these loans all year XXXX XXXX ) and have disputed them in the past to no avail. TN law states they have to be removed after 7 years anyway. They wo n't remove them. They lie and say I was late on payments in XXXX when I 've never made a payment. They even lied and are acting like they were n't included in my bankruptcy. Either way, please help me clear up their negative reporting that they keep doing month after month after month.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report on XX/XX/year> and notice a XXXX Collections on my file. I called XXXX to find out why is it on credit report, and they stated it was from XXXX XXXX. I called them, and explained to them I never received a final bill or any collection attempts. A change of address is valid for a XXXX, as well as my email address is still the same. This debt hasnt been validated. I never heard about this agency, and wani it removed. Stop violating my rights. 

Permissible purpose, as defined in section 1681a of the Fair Credit Reporting Act ( FCRA ), refers to the legal and legitimate reasons for which a consumer reporting agency ( CRA ) can provide a consumer report to someone. These purposes typically include things like credit transactions, employment decisions, insurance underwriting, and similar lawful purposes. 

Upon received of this debt I have XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEE A LOT OF INQUIRIES ON MY REPORT XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ; XXXX XXXX ( HOTEL AND TRAVEL ) - XX/XX/XXXX XXXX XXXX ( BANK ) - XX/XX/XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXX ( XXXX ) ( BANK ) - XX/XX/XXXX
Product: Mortgage

My complaint was about the Quicken Loan Inc.A single home in four unit residential properties that the land lord was occupied or living in that four unit residential housing.actually they made that transactions w/out nothing concerning me from shopping to closing period.Ive never saw some documentary or copy of agreements? HUD and HELOC knows what Im talking about right! Im a victim of Identity theft being nightmare on elm street.How you can help me for this kind of hiding transaction or documents agreement that was I supposed to be have copy!
Product: Credit reporting or other personal consumer reports

I don't have a XXXX XXXX account I believe that account was opened in error. this account does not belong to me. DELETE ASAP!!
Product: Consumer Loan

I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help