23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is reported as a collection ( the only one I have ) ; on 2 of my credit reports, Transworld is the collection agency assigned. I have had a conference call with the collection agency to advise them XXXX has stated I do not owe anything, and this is not my account. The information the creditor provided was not my email or address ; I am asking that they return this debt to the original creditor and remove this from my credit reports immediately. This has been going on for months now. I have attached all supporting documentation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX  which falls under XXXX according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
XXXX, XXXX, Experian, XXXX XXXX and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Product: Money transfer, virtual currency, or money service

I joined a Robinhood Brokerage in pursuit of purchasing XXXX for low fees. On XXXX I financed my account with XXXX XXXX from my Primary checking acct of XXXX. I immediately spent the sum purchasing XXXX within Robinhood. I attempted to withdrawal all cryptocurrency and was notified by Robinhood that " Suspicous Activity '' had been detected associated with my account. As a result Robinhood restricted my account. I was prevented from ever having possession of my XXXX. After investigating for many days and being pressured by self to conclude their investigation so that I would be able to send coin, Robinhood terminated my account sans providing any explanation of the reason behind such action. Robinhood sold the sum of my XXXX which had appreciated in value - increasing {$300.00}. The money of proceeds was shown as " Withdrawable Cash '' but all attempts to withdraw those funds failed & invariably a message saying " money can not be withdrawn from restricted accounts ''. I made a litany of attempts to obtain assistance by Robinhood staff to address the matter. Not one of them appeared to ever pursue a solution. I know not how, short of filing a civil claim, I can retrieve what is mine.
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. 

FRAUDULENT ACCOUNTS : Account Name : 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: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I noticed some things that was not my mine what so ever. 
The first account is Retreat at XXXX This account seems to be in Florida when I was living in New York at the time I sent in a validation of debt letter after reading 15 USC 1692g and I never received a response. I dont know how my info was fraudulently used or obtained but I demand that its fixed and who ever account this is to be held accountable. I want this removed from my credit report as soon as possible. Ive disputed this multiple time with XXXX and transuion and I believe that they both have falsely investigated this matter according to 15 USC 1681i if they did do a proper investigation they would see this is fraud and my information was fraudulent used experian and transunion was both informed that I sent a validation of debt letter and received no response.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

Due to the covid pandemic phase I had an extension on my loan and it caused my actual loan terms to go past the loan mature date. I was advised that I needed to continue to make my payments monthly until the loan was completely paid off. I was never told that because it went past XXXX of XXXX  that I would incur a monthly late reporting to my credit report. As of today XX/XX/2022 I am still being marked for being late in XXXX but I am current on my monthly payments. They have attached a {$1000.00} charge for XXXX payment which they can not give me a clear answer as to why they charged me that and what is was actually for. I have only {$430.00} left to pay on the loan which is my last payment of this loan contract and they want me to pay that {$680.00} they can't tell me what its for. I don't understand that now that my loan is one payment from being paid off they are reporting me late every month for going over the contact. in the loan it was never specified that if I go past the original loan contract date it would be an additional charge. They are tearing up my credit and this has caused me distress due to dealing with this issue with this loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX
Product: Debt collection

I paid XXXX XXXX to dispute my negative items on my credit. XXXX gave me advice to report the last two negative items as fraudulent. I took every step with XXXX. They said this is the final step in order for those two negative items to be removed from my credit.
Product: Mortgage

I tried to refinance my home loan taking advantage of the lower interest rates out there. I used my own mortgage company ( NewRez ) to refinance my loan. Since I started the process its been a nightmare. Lock of information, not returning my calls or emails to answer any concern or question. Also I want to speak my native language because I feel more comfortable and the representative from Newrez refused to speak with me in my native language even though she admitted to speak my own language. Asking me for information already submitted. Blocking me to speak with a supervisor. I requested to speak with a supervisor a month ago and til todays date no answer. I was told the process would be fast since I provide everything. It has two weeks in underwriter and no response. The loan processor refused to transfer my emails ( complains ) because she said she dont have control or jurisdiction. At the beginning I told them that I didnt want to have same loan officer but same loan officer continue calling me. This loan officer didnt take the time to look fir my submitted information. One time I have to insisted that I sent my documents and finally she checked the spam and my documents were there. She had excuses saying she have many loans in process. I feel discriminated and I think they dont want to give me the locked interest rate because I have a good credit score. They offered me 1.99 %. They just prolonging the time to make me to apply again.
Product: Student loan

THIS IS NOT A DUPLICATE COMPLAINT I applied for the School Misconduct Discharge Application through Navient back on XX/XX/XXXX, and after several weeks of not hearing anything about the application being received, I called and found that my emailed application with supporting evidence had never been received. After about a week of correspondence, I was able to get the application and evidence through their email server as well as mail a physical copy of all of the documentation to Navient and my loans were finally put into forbearance on XX/XX/XXXX. 

After XXXX weeks of waiting ( to the day ) I received XXXX denial letters from Navient, XXXX for each of the loans, but with no specific information about why I was denied discharge given all of the personal evidence and the federal evidence ( and discharge ) announced on XX/XX/XXXX. 

I want Navient to provide specific evidence as to why my application for XXXX XXXX XXXX was denied as the following tells me nothing about rectifying this situation : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( XXXX ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' Regardless of whether the person that reviewed my application on this particular day agrees or not, I was misled by the Art Institutes as a student, and since the government has determined that there was enough evidence for a mass discharge on the grounds of fraud and deceptive practices, under the Holder in Due Course rule, Navient should do the right thing and at bare minimum discharge these loans, if not discharge and fully refund all payments, as stated under the Holder Rule. 

Navient, please provide specific reasons as to why my XXXX XXXX XXXX XXXX was denied and reconsider my application.
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 CFBD 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 not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect the 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: Debt collection

Im am not liable for this account, nor have this entity provided me verification documentation. I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

Dear XXXX XXXX : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX XXXX. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute XXXX XXXX has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX XXXX credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

XXXX XXXX needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a former address where I lived XXXX years ago on my credit report, with a date of XX/XX/XXXX. I have been at my current address for XXXX  years XXXX months and it should be the only address on my credit report. I purchased my home in XX/XX/XXXX and have been living here ever since. They are also reporting my current address with an incorrect date of XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX New York unployment deposited almost {$11000.00} in back pay. Western Union net spend by XXXX XXXX froze my account said they needed to verify my identity. I sent in my ID my proof of address and social card .They then told me they closed my account and mailed me the check .After a week I still did not receive it .I called back they said they sent it to ny unemployment .I called ny unemployment as of today XX/XX/2020 they still have not received it. I have sent multiple emails and calls demanding to know what address it was sent to and the check number. I am told nothing. I want to know where my {$11000.00} is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX reported on my Experian Credit Report that I owed XXXX on an account and I was 30 days past due. Upon checking my accounts with XXXX, I did not identify any acocunts with a balance of this amount or any accounts that were 30 days past due. Please remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Innovis Consumer Assistance & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Credit and Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. I have received a copy of a report from your system that lists numerous credit, bank and auto accounts assigned to my name, birthdate and Social security number, which I have been unaware of and have since asked the top three CRAs to investigate and have removed as well as Innovis, which I am alerting you of such at this time. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This miscarriage of information has caused my life undue strain, hardship and debt, for which I do not owe and have never owed. Your company is aiding in distributing wrong, unidentifiable and fraudulent reporting. 
I have provided you with a copy of the Identity Theft Report and my identification. You are required, after being notified of such information, to investigate and immediately remove and block this information, without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice. After such, a block and freeze will be placed immediately and I will be notified of this information via US Mail. 
XXXXXXXX XXXX XXXX ACCT : XXXX AMT : {$910.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$750.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1000.00} XXXX XXXX ACCT : XXXX AMT : {$120.00} XXXX XXXX ACCT : XXXX AMT : {$3700.00} XXXX XXXX  ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$1600.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1900.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1900.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$83.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$1600.00} XXXX XXXX XXXX XXXX  ACCT : XXXX AMT : {$1600.00} JXXXX XXXX XXXX ACCT : XXXX AMT : {$5000.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$3900.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$6000.00} XXXX  ACCT : XXXX AMT : {$3500.00} Also, all of the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX I have enclosed my FTC Identity Theft Report. All fraudulent items have been listed above. 
I have continuously been in contact with XXXX, XXXX, and XXXX  via the CFPB. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I attempt to get a HELOC to purchase an investment home. I needed to update the credit bureaus to reflect my new name. XXXX and XXXX both updated the information in a timely fashion. Equifax, sat on my information until it was " too old '' so I had to resend them new information. This was on XX/XX/XXXX. I called yesterday ( XX/XX/XXXX ) to check to see if they had updated my information and the representative I talked to stated they had not received it. Well, I sent them XXXX faxes, with the same information since they neglected to take action on the first fax sent back in XXXX. We are going on 5 months now and they are the only agency that hasn't updated my information and are prohibiting me from using my credit to purchase a home. I am a XXXX veteran and a United States Citizen. Im simply asking for my information to be updated ASAP. Ive played the " it'll take up to 5 days to input your information '' game twice and as stated above we are on month 5. If this doesn't resolve the issue I can only assume my next course of action is a legal one.