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

XXXX/OPPLOANS is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX/OPPLOANS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX/OPPLOANS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX/OPPLOANS can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX/OPPLOANS for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX/OPPLOANS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX/OPPLOANS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXOPPLOANS terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of XXXX/OPPLOANS nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all XXXX credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per XXXX and Equifax. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On XXXX and Equifax I see many different variations of spellings of my name and many unfamiliar addresses. 
Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Debt collection

I received a call from a XXXX XXXX at XXXX, claiming that they attempted to deliver a package and if I didn't call they would return it. When I called the number they left me XXXX a man answered didn't identify himself and said I owed {$1100.00}. If I agreed to settle for {$600.00} by the end of the month or paid {$97.00} a month I would not be served a judgement. When I looked into it. It was for a payday loan back in 2012 and the past due was {$450.00}. I also received an agreement for installment from a XXXX XXXX. I responded back to the email requesting further information as the amounts did not add up. When I looked up the actual pay day loan company, they do not exist anymore and they also were not authorized to lend anyone anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

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

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Khols opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXXt XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Product: Debt collection

I recieved an XXXX related injury on XX/XX/XXXX resulting in medical attention and gave the hospital my insurance information which I covered under emergency services. My medical provider is XXXX XXXX XXXX XXXX subscriber id # XXXX since XX/XX/XXXX. I recieved a bill on XX/XX/XXXX in the amount of {$1600.00}. I immediately called the hospital and again provided my insurance information. I thought everything was taken care of until I recieved a collections notice almost 1 year later on XX/XX/XXXX from high desert creditors service in the amount of {$1600.00}. I then again immediately called the hospital again, spoke with XXXX XXXX the supervisor of billing. She then had me on a 3 way call with my service provider ( XXXX XXXX XXXX XXXX ) to provide proof of insurance. I again thought everything was good until XX/XX/XXXX with the collection landed on my credit reports. Me being frustrated and angry reached out to XXXX XXXX of XXXX XXXX XXXX ( billing supervisor ) monday XX/XX/XXXX got her voicemail and kindly told her to call me immediately. The same day I reached out to my health insurance provider XXXX   XXXX they told me they did not receive any claim whatsoever from the hospital. They were even able to get ahold of XXXX XXXX that same day XX/XX/XXXX who then told my insurance she would be sending the claim that same day. On XX/XX/XXXX XXXX XXXX of billing finally returned my phone call. As I proceeded to tell her my story she had the decency to hang up on me, no call back, nothing. I called back immediately and left her another voice mail. It is now XX/XX/XXXX and have yet to hear back from XXXX XXXX and my insurance provider has yet to receive a claim. I'm just so frustrated with this situation and hope you could provide some help. Thank you.
Product: Mortgage

The company is Quicken Loans. My loan officer was XXXX XXXX. 

On XX/XX/XXXX, After discussing my finances and income with XXXX, I was initially approved for a purchase amount of {$400000.00} and a mortgage amount of {$380000.00}. I received a pre-approval letter with these amounts listed on them, but the " finances and assets verification '' box was not checked off yet. When I inquired about this, XXXX told me all were approved, it was just a matter of getting the new document uploaded and that I was clear to make an offer on a home. 

I made the offer on a home that I liked, but thankfully ( now ) it was rejected. On XX/XX/XXXX I inquired about my finances and assets verification again and I was given the same story by XXXX, that they were backlogged and underwriting just hasn't uploaded my document yet, but he guaranteed all was verified and that I was approved for a mortgage of {$380000.00}. 

After never seeing an updated approval letter and not hearing from XXXX. I suspected something was wrong so I held back on making a second offer on the home. Saturday XXXX XXXX texted me and asked me to upload a dispute removal form to remove some negative marks to my credit. Then my mortgage amount was lowered to {$320000.00}. 

XXXX called me on Monday night XX/XX/XXXX at XXXX. He said we should have a meeting the next day to discuss options for my mortgage. We set a meeting for XXXX on XX/XX/XXXX. I received a text from XXXX at XXXX on XX/XX/XXXX saying he was no longer with Quicken and that a new officer would take over my account. 

On XX/XX/XXXX I called Quicken and XXXX XXXX was assigned to my account. After reviewing my account, he then lowered my mortgage amount to {$270000.00}. 

Now all of this doesn't necessarily sound like a " complaint '', just my inability to get a mortgage. I understand that. However, XXXX told me that XXXX XXXX was fired for making too many mistakes on customers applications, such as " inflated income amounts ''. Apparently, XXXX told underwriting that I made $ XXXX when I do not. This ordeal wasted 3 weeks of my time, the seller 's time and the agents ' time. It seems like loan officers are benefiting in inflating income amounts in a " shoot now ask questions later '' fashion, offering loans that people may not be able to handle ... as seen in XXXX. Quicken loans sales tactics are aggressive and based on false numbers and numerous credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports via Factual Data they have ONE DEBT " XXXX XXXX '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a business account to my personal credit report while reporting inaccurate information regarding the terms of agreement and the balance my request to have this inaccurate information removed from my credit report is a violation of my Rights according to the FCRA. this account was paid off by my business insurance and the company continued to charge me interest and continues to report the balance and late payments to me reports causing me issues with improving and utilizing my credit. Section 623 of the FCRA states that a furnisur must not furnish inaccurate consumer to the fcra and that furnishers must investigate the furnished information. 
it also states that a creditor must noe report a balance after beinf told the balance is incorrect. my insurance company paid them directly anbd the balance and all the missed payments still show. and experian and XXXX still have not removed the account from my reports. My credit is suffering because of this.
Product: Debt collection

While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.
Product: Money transfer, virtual currency, or money service

I got locked out for 25 days now, when I tried to set up the account on my new phone. Have no access to my funds and cannot reach anyone who can help. Waited hours on the phone numerous times to hear the same response “you have to wait for a specialist to assist you”.  This “specialist” cannot be reached and don’t know when they will respond.  Coinbase is holding up my money and there is nothing I can do about it!!!Ticket submitted on XXXX-2017Case #XXXX
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 list of Inquiries. 

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: Checking or savings account

My mother put money orders in my account that was saved up for us to move. They locked my account the next day ( XX/XX/XXXX ) and now they wont unlock it until her phone number and name matches. It hasnt been working for reasons that we cant figure out. Weve tried to get it fixed by XXXX XXXX which we did and it still didnt work. They said they are sending me all the money in my account except the money orders ( $ XXXX ). They keep telling me that the only way to get the money is if my mom identifies her self which by a phone number is ridiculous. She has even come in person and they still wont unlock it. I havent had money for over three weeks which caused my credit score to go down due to the fact that they closed all my accounts and is taking forever to send me my money so I cant pay any bills. They said they have to make sure this isnt fraud or something when literally they are STEALING my money. Theirs nothing that gives fraud. Someone told me that it was flagged in the first place because the money orders were from XXXX and they werent cashed until the every end of XXXX but i told her that we saved them because we were moving in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disburse, 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 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 reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries, this is the third time I am sending this in and EQUIFAX sends me back a report saying they are deleted but thy are NOT!
Product: Mortgage

I had for {$5000.00} on XXXX {$2200.00} on XX/XX/20 Although they took my payment for XXXX already and I was going to pay thus amount against pay principle but they took it for my XXXX payment. I called on XX/XX/20 and asked XXXX ( the representative ) to apply this to my principle which she said she did. again I called on XX/XX/20 and talked to XXXX why still pay payment is not corrected she said give us more time. I called again on XX/XX/20 talked to XXXX and she said the other two representative never asked for correction. I even talked to the supervisor but useless.They are charging me for future interest although I have already paid most of my loan. 

Their site is suppose to show bar ck down of customers payment when they pay but this service r doesn't. I had loan all my life I have not seen company like this company super greedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights 2 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 3 ) XXXX  Account # XXXX has violated my rights TransUnion Account # XXXXhas violated my rights XXXX Account # XXXXhas violated my rights 4 ) XXXX Account # XXXX has violated my rights TransUnion Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. 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 card or prepaid card

Made a purchase from XXXX for {$700.00} and when the package arrived, it was not what I ordered so I returned it. XXXXXXXX XXXX states that what they received is NOT what I ordered, which is EXACTLY the problem, I did NOT receive what I ordered and they refuse to issue a credit to my account when the error was on their side to begin with. 
I wrote and called and their response was that they already responded. 
Wrote to the card issuer and they stated the same thing, that XXXX already responded. 
It appears NOBODY wants to read or understand the issue. 
XXXX kept what was sent back and refused to issue credit to my account. 

Now they are reporting to the credit bureau that I am a dead beat and do not pay my bills -- I made a few payments to keep my credit good while I attempted to resolve but it is clear they REFUSE
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 tracking these transactions was unfeasible. The CFPBs finding 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, XXXX XXXX XXXX while in College, was approved for a Discover Credit card, Joint with his father, XXXX XXXX, XXXX Due to financial situation, loss of his father job. XXXX XXXX and wife XXXX XXXX, filed for chapter XXXX Bankruptcy on XX/XX/XXXX. During the XXXX hearing for creditors, did not show up to dispute this debts being our bankruptcy petition. On XX/XX/XXXX we received a discharge for this debt. After our discharge, Discover Credit Service, transferred the {$1000.00} final balance to XXXX XXXX XXXX credit report, to continue to punish his for a debt, already written off from Discover Credit Card Services.
Product: Credit card

I received a pre-approval from XXXX XXXX for a XXXX card. It said I was pre-approved for an XXXX limit. I applied and was approved for the {$8000.00}. The {$8000.00} limit showed on the XXXX XXXX  correctly. This was on XX/XX/year>. Today, XX/XX/year>, I received an email stating that there was a mistake with my limit and the approved limit was actually only {$2000.00}. The app has been updated and shows as {$2000.00} limit currently. I feel as if this is a bait and switch and I would not have applied for the card if I knew the limit was only {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is posting inaccurate information on my consumer report which is causing harm to my personal life. EQUIFAX is furnishing a consumer report that claims I have a Student Loan account from " Dept of EDXXXX '' that has " At least 120 days or more than four payments past due ''. It is also furnishing a report that claims I have an account from " US Department of Edu '' that was opened on XX/XX/2011 with a payment status as " Collection Account '' that is " XXXX days past due '' and has a balance of " {$2400.00} ''. This information is from an account that was opened over 12 years ago, in XX/XX/2011. Both of these reports are inaccurate and need to be removed from all consumer reports regarding my person furnished by EQUIFAX. I have tried disputing with the company through XXXX and had no success. EQUIFAX continues to violate my rights as a consumer by publishing my personal information without my written consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation