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

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX  XXXX XXXX and XXXX XXXX & XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose
Product: Debt collection

Beginning in XXXX or XXXX, I began receiving debt collection calls from LVNV Funding ( Resurgent Capital ) for old XXXX  XXXX debt. There were several debt collectors involved, a couple accounts. One of them I was paying on. There was a collection agency that told me I could resolve the balance for a lower monthly payment, while at the same time Resurgent refused to honor that. 

There was a complaint here regarding this, and once they found out that my only income was social security income, they closed both accounts, including the one I was paying on. They responded that they would do this in the previous CFPB complaint. 

In XXXX, they forwarded one of these accounts to their attorney to try and start a lawsuit. This attorney is XXXX XXXX XXXXXXXX XXXX  and sent me a collection letter, Reference XXXX In other words, they are trying to sue in the amount of {$680.00} when they told me and you, the CFPB that they would cease collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2020, my American Express account is reporting on all three credit bureaus that I'm overdrawn, when that is not true. I have a balance of {$1500.00} as of today.
Product: Checking or savings account

I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a XXXX XXXX XXXX in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and Citizens released the funds anyways. On XX/XX/XXXX, my bank, Citizens, sent a letter to XXXX XXXX XXXX about this transaction. I was told that XXXX has 90-120 days to respond. Tomorrow would be 90 days so I called Citizens to get an update. They told me that they contacted XXXX yesterday and XXXX told them that they " lost '' the claim, so they faxed them it again. I contacted XXXX today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against XXXX and Citizens. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that XXXX reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that XXXX will issue the refund towards my citizens bank account. I called Citizens and they have not heard from XXXX since XX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to XXXX today. I then called XXXX and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 XXXX customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by XXXX and Citizens on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from Citizens reaching out to XXXX on XX/XX/XXXX. Thank you.
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 Account Number : XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE XXXX XXXX XXXX XXXX XXXX credit report : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking through my records once more when I discovered a lot of information, accounts, and other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Remove these files immediately : 1. XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % true, accurate, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation can be resolved quickly.
Product: Credit card or prepaid card

Charges from XXXX and XXXX  And XXXX along with associating cash advance fees were charged to my card without my knowledge totaling around {$9000.00}. Barclays was notified of these charges and started a dispute investigation only to recently reapply {$7000.00} back to my account. No message or letter or any further communication from Barclays.
Product: Credit reporting

Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting

I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on time, letting them get sky high, or not paying at all I ca n't even get a home because all the bills I have in my name, when she threw me out she would n't give me my social, my birth certificate, or I 'd so now she 's ruining my credit what can I do about it
Product: Debt collection

I 'm complaining today about Personal Finance Company and Mariner Finance 's never-ending attempt to continue to make claim to a debt that has been charged-off in XXXX XXXX bankruptcy. But now they state in a letter ( SEE attached letter ) dated XXXX XXXX, XXXX that THEY 'VE TRANSFERRED my ALREADY CHARGED-OFF, IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), Personal Finance Company LOAN account number ending in XXXX to Mariner Finance as  account number XXXX!!! WHAT???!!! They need to understand the rules and the laws of personal bankruptcy which is the debtors personal liability ( Me, XXXX XXXX, XXXX XXXX for a dischargeable claim is WIPED OUT FOREVER!!!!, if the creditor ( Personal Finance Company ) got notice or if there was no payment to creditors in the case ; therefore, according to this rule, Personal Finance Company had no authority or right to transfer this debt ( account number XXXX ) to Mariner Finance that no longer exist! How is this EVEN remotely possible since this loan ( Personal Finance Company LOAN account number ending in XXXX XXXX has already been CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX )!!!!??? What 's really going on here?? How can Mariner Finance OWN a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST???!!! Furthermore, it is illegal that Personal Finance Company and Mariner Finance TRANSFERRED a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST and they continue to insist that Mariner Finance now OWNs a LEGALLY CHARGED-OFF IN, CHAPTER XXXX BANKRUPTCY LOAN ( Case Number XXXX as of XXXX )!!! I hope that you, Consumer Financial Protection Bureau and the Federal Trade Commission come up with a reason and an answer to my questions and find out what federal bankruptcy laws Personal Finance Company and Mariner Finance have violated. I will also be notifying the Attorneys General HERE in Kentucky where Personal Finance Company and Mariner Finance are located. Either this loan, Personal Finance Company LOAN account number ending in XXXX is CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ). See the attached chapter XXXX bankruptcy creditors list showing XXXX XXXX representing Personal Finance Company. THIS debt has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY, GONE, DOES N'T EXIST!!! or Personal Finance Company and Mariner Finance are involved in some type of nefarious activity that further deserves investigating. If their doing this to me, how many others are they performing this nefarious activity? Please get to the bottom of this for me Consumer Financial Protection Bureau and Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

I am writing to formally express My concerns regarding XXXX 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 failed to investigate my claims adequately. They informed Me that recovering lost funds was impossible and tracking these transactions was unfeasible. The XXXX 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, credit repair services, or other personal consumer reports

I had a negative account listed on my XXXX  Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with XXXX  on XXXX and they had removed it on XXXX. However, on XXXX, XXXX   reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, Sequium Asset Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX DEPARTMENT OF EDUCATION Accounts # XXXX, XXXX XXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Nothing has been corrected, copies has been provided.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX XXXX XXXX || Account # : XXXX
Product: Credit card or prepaid card

I have a credit card with the company with a credit line of {$700.00}. I went onto their website and made a purchase of {$580.00} on Tuesday   XXXX    . I went into the store today  X/XX/17    to return {$340.00} worth of the online purchase due to ill fitting clothing. I then went to try on clothes and shop in store for better fitting clothes. I went to the check out counter with my purchase and was told I had to to call the customer service number but not why. With a line of people behind me I had to call the customer service number. The first representative advised me that I did not have any available credit to make my purchase and that I was in fact over my limit. I advised her that I had a credit line of {$700.00} and made a purchase of {$580.00} and a return of {$340.00} ; therefore, I should have {$450.00} available. She informed me that my return today of {$340.00} would not credit my account until the clothes made it back to the online warehouse. That is bad enough. I can understand if the credit takes a few days to post, but if the store has the clothes they should not have to wait to credit me until the clothes physically make it back to the warehouse when the company is possession of the clothes! My real gripe though is that even without the return I should have had {$110.00} in available credit. The lady argued this point with me as I tried to get her to understand basic math. She then transferred me to a another representative who researched my account and let me know that while she agreed that yes I should have an available credit of {$110.00} I do n't have any available credit and I 'm showing as over my credit limit. I asked how this could possibly be. She tells me that even though she can see the original {$580.00} hard posted to my account that there is still a {$580.00} authorization holding funds on my account that she can not manually release, so my account reads as having {$1100.00} charged to it. This makes absolutely no sense. I could have spent {$700.00} even that day online, but I did n't. Due to their weird practices of hard posting and having the authorization still there  four  days after my purchase means I could not use {$110.00} worth of credit that I should have had available to me. I wasted three hours of my time in that store trying on clothes and dealing with the phone call in line in front of other patrons only to walk away empty handed. I also missed out on a store-wide sale today that I wo n't be able to take advantage of when my account finally balances out. This is beyond frustrating. When all credits post to my account and the authorization falls off I think I might just close the account and never shop there again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my credit. In the past, I was able to use a PIN number that Equifax provided to temporarily lift my freeze. Since Equifax rolled out my.equifax.com, I  am now unable to use any electronic means to change my security freeze status. All attempts to contact Equifax through various communication channels, chat/phone, have been unsuccessful. Not only have these attempts been unsuccessful, the customer service agents have not been able to provide any escalation path to addressing my issue. 

I am at a point where I can either leave my security freeze in-place and use the other two bureaus to unfreeze my credit or mail my request for a temporary lift to Equifax as the need arises. I would prefer to keep my security freeze in-place as my SSN and PII was subject to the recent data breach with Equifax. 

I am looking to connect with someone who can help address any issues with my account so I can begin using digital means of managing my security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
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They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Product: Mortgage

I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit Corp Solutions called my mother, XXXX XXXX, on XX/XX/2019, disclossed that they were a debt collector & disclosed my name despite the agency already having my contact information including my number and address. 

The agents information : XXXX XXXX Ex XXXX