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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Todays Date ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Inquiries Dispute with FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are the result of fraudulent activity. As such, they should be removed from my credit file immediately. 

The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score, and I request their immediate removal. I have included my FTC Identity Theft Report ( FTC Report ID : [ XXXX ] ) to support this claim. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and remove the fraudulent inquiries.
Product: Mortgage

We filed an insurance claim to fix our roof XX/XX/2021. Our insurance company spoke with our contractor and sent the check. The check is a three party check made out to me, my husband and the mortgage company. We contacted the mortgage company regarding the process. We endorsed the check and sent it to our mortgage company via Priority mail with tracking. The check took 2 days to arrive to the mortgage company. Included was the contractor 's signed paperwork and the insurance paperwork. I gave them a 2 week turn around time. Today is XX/XX/XXXX, over a month later and we still have not received the funds back from the mortgage company to pay the contractor. 

The check is in our escrow account. When I call, the customer service is poor, I stay on hold for over 30 minutes. Every rep that I've spoken to says someone will call me back or they will escalate. It has rained and our roof is substaining more damage and the gutters were torn off from the storm so the appearance of the roof is awful as well. The delay is totally unacceptable. Today I was told they had system errors and I would just have to wait. No Freedom Mortgage I will not just watch my property decline and just wait!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Product: Debt collection

Back in XXXX  I moved out of my apartment at XXXX XXXX XXXX after the owner sold the property to a new manager who walked into my apartment unannounced while I was getting out of the shower, in what it seem to be an attempt attack me. I screened and immediately asked that he leave. The next day I advised them I would be moving out of the property as I was on a month to month lease and could leave at any time. I also never signed a new lease with the current owner. The management then attempted to stop me or punish me by posting an unlawful detainer as he advised he would mess up my credit if I tried to leave. We went to court and I won the judgement, where it was decided I would not owe any money and could leave the property with no repercussions, the documents were also sealed advising me that this would not be allowed on my credit because there was no money owed, the judge also stated he has no ground for an unlawful detainer.I signed a new lease with another property in XXXXXXXX XXXX XXXX  and no longer lived at XXXX XXXX  when 4 months later a collections for {$4000.00} Appeared on my credit. When I contacted the management company to asked why this was there they refused to tell me what it was for, I asked that they send me information to verify the debt and they never did. I have been disputing this for years and it only remains on XXXX as it was found to fraudulent by the other 2 credit bureaus. This is not accurate preparing or accurate information. I would like to file a complaint against XXXX but also the Fidelity Credit server and XXXX XXXX XXXX for fraudulent reporting.
Product: Vehicle loan or lease

Please note, this car is in my mothers name but is not her car, I am the one who pays for this car, this car is somewhere where I know it will stay, I own the car and cosigned on it because it was purchased when I was younger. 

PRIZM financial has been rude, threatening, and not flexible at all. 

They have been sending email after email after email, dates specified below and I am NOT EVEN A MONTH LATE. 
Prizm Late Payment Emails : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have also been rude and threatening. I have since called them and tried to figure out how to make a payment. On this call, I let them know that the very near date that they were asking me to make the payment I could not do. I asked to make a different or later payment or what to do when I can not make the payment and I was met with silence and a very slight delay in the payment needed. 

I even said on the phone that I would " try '' to have the payment at that time. I was unable to make it and the company is now threatening saying " either make a payment or clean out our vehicle '' ( I have that email saved )
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$50.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX and Transunion credit report, and I noticed some late payments posted on my credit report. 

Department of ED/XXXX- Account # - XXXX Date of Late Payment XX/XX/2019 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 .

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX XXXX copy of ID and bank statement showing proof of address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I initiated a transfer of {$10000.00} to my family in XXXX due to financial situation there are facing currently. I used XXXX XXXX XXXX service ( https : XXXX ) to transfer the money. 

When doing the transfer I was promised that money deposited in XXXX bank account on or before XXXX XXXX. Today is XXXX XXXX and no money has been deposited and additional company is NOT responding. I tried contacting their phone and email lines but no response at all. The {$10000.00} has been debited from my XXXX XXXX  account already last week but it has not made its ' way to XXXX bank account. 

I am worried about that I may have lost {$10000.00} plus my family needs that money as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court XXXX XXXX XXXX Georgia ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank has very serious computer problems which have resulted in Comenity believing that consumer credit files are frozen, when in fact they are not. They obtained a copy of my credit report on XX/XX/2023 for a single credit application producing a hard inquiry on my XXXX credit file. Comentiy sent a letter indicating that my credit files were frozen. I called in and explained the situation and and they pulled my credit a second time on XX/XX/2023 producing a second inquiry and opening my account. I have requested in writing twice that they remove one of the two inquires for the single application of credit, and they have refused. I am being harmed by my credit report showing more inquiries than should be required.
Product: Mortgage

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXX XXXX XXXXXXXX Ga XXXX. This house was stolen and soled in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open. We have no documents regarding this load with Wells Fargo. We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX XXXX We will told the home was foreclosed on however, this was not the case. Spouses XXXX XXXX US FED BRC XXXX XXXX OF GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX XXXX Amount : {$150.00}
Product: Credit reporting or other personal consumer reports

Equifax credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant XXXX XXXX  ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. My complaint is with Equifax, I could not contact them with providing about 10 pieces of identification yet they put a claim on my credit report without any identified information other than my name.
Product: Credit card or prepaid card

I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX pm XX/XX/XXXX. I cancelled at XXXX pm. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for XXXX providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it. I showed ample evidence of the dispute. Attachments and emails showed I followed the process. I cancelled on time before the XXXX pm deadline. XXXX never discussed the evidence with me. All they did was write a generic response that they did the investigation and they are correct. What happened to providing a rebuttal to the evidence I provided. They can continue to write generic responses without actually looking at my evidence of email screenshots and cancellation emails. Nobody reviewed my evidence. They simply ignored it. I was XXXXXXXXXXXX to call me so I can walk the XXXX through the evidence.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 lost funds would not be able to get recovered due to these transactions being unfixable. The CFPB 's findings indicate that Zelle has not only neglected to protect their consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw an account that i did not authorize to be on my credit report. the account is listed below : Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. 
I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures.

I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} XXXX XXXX - XX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.
Product: Debt collection

USAA has sent a debt You will need to contact the third-party agency, XXXX, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what USAA has done I don't know who this company is that I have to reason with to resolve any dispute.
Product: Mortgage

I asked them several times about applying after they asked me to refinance. I asked will this hurt my credit score if i apply the representative several times would not answer and kept pushing to sell me. 

I asked a legal question. They legally did not provide what was asked for. They recorded the conversation. 

I wish to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX and natural person, was denied credit by BARCLAYS LUXURY CARD when I applied, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 form from the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). 
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by BARCLAYS LUXURY CARD due to the response I received. 
BARCLAYS LUXURY CARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BARCLAYS LUXURY CARD15 U.S.C 1602 ( p ).
Product: Checking or savings account

The XXXX of XXXX my XXXX loans/ grants refund was credited to my chime account. I was arrested at XXXX and did not get out of jail until XX/XX/2023, at XXXX. When I checked my account, the following transactions had been made XXXX at XXXX Transfer {$340.00} to XXXX XXXX XXXX XXXX XXXX XXXX Transfer to XXXX XXXX XXXX {$140.00}. XXXX at XXXX Transfer to XXXX XXXX XXXX {$500.00}. XXXX at XXXX {$200.00}. XXXX Transfer to XXXX XXXX XXXX {$100.00} I filed a dispute on the XXXX of XXXX and was denied the next day with no explanation. Filed a rebuttal the XXXX of XXXX and again was denied without explanation. Then again on the XXXX filed for the dispute to be reopened and every time asked for information detailing the reasons for denning my claim considering I can see exactly where an unrecognized device logged into my account and made these transfers to their account without any authorization from me or knowledge to me of any kind until I was released from jail and found my account empty. These were federal loans or grants from my college refund, my housing money for the next XXXX months. I have talked to the police and need paperwork from chime to file police report that they will not provide or help me with at all. They keep denying my claim without reasoning when all the evidence is visiable from my account clearly.
Product: Student loan

I co-signed a loan and it was changed without my knowledge. Company should have made the decision to have another loan signed before approval of student loan. I disputed the debt collection and ZuntaFi conducted an investigation, still not resolved. I am worried that it will reflect in my credit report.