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

I had went to a car dealership and I told the people that I was just looking that I didn't actually want to apply, and they still took my information but I told them that I did not want to actually apply. So I look on my credit report and I notice all of these hard inquires that I listed below that I didn't even apply for or authorize anybody to use or run my credit. And the rest of these hard inquires I absolutely do not recognize I already submitted those to the identity theft department. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX )
Product: Mortgage

I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.
Product: Student loan

The student loans that are on my credit score isn't anything I've done to be completely honest my ex husband used my info without me knowing and without my consent and I would appreciate it if you guys would take them off because I haven't been to any colleges or took any school loans out
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

XXXX XXXX, XXXX Complaint Nationstar/ XXXX XXXX ( formerly XXXX ) I just want a mortgage amount of {$2000.00} and excessive forbearance reduced by 50 % with the my payment of the balance of the excessive forbearance waived for 2 years. 
Working diligently to get an affordable mortgage since XXXX. 
A reason given for not giving a affordable mortgage is excessive forbearance which would could have been prevented if I my income was calculated correctly and I was given an affordable mortgage. 
XXXX XXXX were given our first modification of {$1900.00} which included taxes and insurance, which had an excessive forbearance. We appealed this mount because the income was not computed correctly and should have resulted in a payment of {$1700.00} which we could afford. The income used was {$6200.00} but should have been {$5600.00}. 
My request to review this income calculation sent me through a dreadful cycle of unconscionable modification offers from {$50000.00} up front, my home being vandalized XXXX times ( by mortgage property inspectors ) to the present unaffordable modification of {$2500.00} with a forbearance of {$300000.00}, Just recently I was offered a {$2500.00} modification trial on XXXX/XXXX/XXXX and then was sent modification denial letter dated XXXX/XXXX/XXXX. The {$2500.00} modification trial on XXXX/XXXX/XXXX was for 40 years when I was told the previous modification trial offer of {$3100.00} could not be lowered. 
The XXXX report a Nationstar denial letter dated XXXX/XXXX/XXXX shows my home value at {$500000.00} when the Median price is {$270000.00}. 
The mortgage seems to have been sold to XXXX XXXX ( I was not notified ). XXXX XXXX filed a XXXX/XXXX/XXXX foreclosure which came to my attention from a XXXX foreclosure/modification advisory notice. 
I hope I can get The Bureau to help me. Thank you.
Product: Credit reporting or other personal consumer reports

Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of Experian, XXXX, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than 4 business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.
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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that the transactions of tracking the transfers were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Student loan

Navient. They keep on calling me when i have stated i dont make enough to pay back my loans. Its very harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}
Product: Debt collection

I submitted a letter to dispute the error on my credit report on XX/XX/18. The credit agency is Transunion credit collection agency.  The agency never answered the letter and by law they have to remove the error from my report.
Product: Debt collection

Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only.
Product: Debt collection

I received a response on a previous complaint about this company. In the response a bill was attached, however, I sent a validation letter to this company on XX/XX/2021 by certified mail. In this letter, I ask the company to validate this debt by sending me a copy of a signed contract. Also in this letter, I ask that no information be reported to the credit bureaus. The validation letter was received by the company on XX/XX/2021. I just reviewed my credit information and I see that this company updated information on my credit file on XX/XX/2021.
Product: Debt collection

Back in XXXX XXXX one of the 3 major Credit Reporting agencies leaked the data of 143 million Americans, including myself. The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security Number, as well as my Drivers Licenses number ) As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnished and my overall credit score destroyed. This negligent on XXXX part, will leave my personal information permanently available for access at any time. My name, date of birth and social security number are never changing ; therefore, I am at risk of identity theft at any time. Im a very private person therefore knowing that my personal information is in the hands of The XXXX XXXX Hacker I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress. Credit reporting laws ensure that your organization report only 100 % accurate information, due to the XXXX XXXX   Security Breach your company is in direct violation of the Fair Credit Reporting Act. XXXX  was negligent in allowing my personal data to be breached, I am demanding the incorrect information reported as a result of this breach be removed upon receiving this letter. If you do not immediately remove this inaccurate information from my credit file, my lawyers in filing suit against your company in the State of Alabama Circuit Clerk of XXXX County on XX/XX/XXXX at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. 

As a result of the XXXX breach, the following accounts have been listed on my credit profile and should be removed as soon as possible. 

1.XXXX XXXX {$2400.00} 2.XXXX XXXX {$13000.00} 3.XXXX XXXX {$1200.00} 4.XXXX XXXX XXXX {$280.00} 5.XXXX XXXX {$2000.00} 6.XXXX XXXX {$260.00} 7.XXXX XXXX {$260.00} 8.XXXX XXXX {$130.00} 9.XXXX XXXX {$2700.00} 10.XXXX  XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

I have recently filled out documentation for an apartment. I was contacted by the realtor who explained to me that their were some rental errors on my report. I was told to contest and remove the things on my report so that I could move forward. I tried to contact Experian Rent to get the information such as account numbers and contact information about the items listed. I as told that they don't have any record of the information. This is impeding me from getting a new place for myself and my children. I have spoken to the realty company and they have no way of attaining the information either. I have submitted a copy of the rental discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15c USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 a section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX | XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern : This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX  XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

Sincerely, XXXX XXXX
Product: Credit card

The card along with the pin for card number ending in XXXX was lost on or about XX/XX/. I reported the card lost to TD Bank USA via phone and via the online portal that same day. TD Bank failed to close the card ending in XXXX. Every single transaction after XX/XX/ is now TD Bank 's responsibility. I need all those transactions refunded/credited back to me along with any interest charges associated with those transactions. 
On XX/XX/ I called TD Bank and spoke with a Supervisor who referred to himself as XXXX. Although he was helpful at first to ensure card XXXX was closed, he refused to mark all the transactions since XXXX XXXX XXXX  as unauthorized and refused to credit me for those. He hung up on me and I had to call back and refused to transfer me to a Manager. He also again refused to submit the transactions as unauthorized. This is completely unacceptable. I have recordings of the calls. TD Bank is responsible for all those transactions. TD Bank was negligent and allowed those transactions to go through because TD Bank failed to close the card even though I requested it to be closed multiple times. The TD Bank representatives over the phone have a difficult time comprehending proper English so I had to talk to them in XXXX since I am XXXX. They don't understand the regulations in the US and they don't understand the meaning of liability and of negligence. Please get this situated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because CAPITAL ONE NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.CAPITAL ONE reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.
Product: Credit reporting or other personal consumer reports

Experian has yet to remove or delete my end loan off my credit report they claim they did an investigation but they have not they need to delete XXXX loan that is paid off and update my credit score
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Debt collection

Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.