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

this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TOWER LOAN-XXXX XXXX  Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX TOWER LOAN-XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion to request a MOV .... I got a letter from the court house ( the clerks office does not report any information to the credit reporting agencies ...
Product: Student loan

I have a PSLF issue with MOHELA and the Department of Education. Both know that the payment count on the subsidized and unsubsidized parts of my consolidated loan should match, which they do not. I have been told to file a reconsideration request to get it resolved on XXXX, which I did. The problem is that my 120th payment is in 3 months and the last time I filed a reconsideration request it took 4 months to be recognized. I would like this fixed as soon as possible. The missing months are XXXX through XXXX of 2009. Thank you.
Product: Prepaid card

I am out of work after a XXXX XXXX XXXX. I had been waiting for my temporary XXXX funds for about 5 weeks. I had received nothing by mail, or email ; but I remembered I had a card and account for XXXX from 3 years ago when I went out on paternity leave. 

I logged into the moneynetwork app on XXXX. I saw that there was almost {$5000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX, someone apparently had hacked my account, and sent {$4500.00} to a bank account that is not mine ( ending in XXXX ). So I called the number on the back of the card. She told that we caught it in time, and she would cancel the transaction, and the money would be put back on the card. 

Then, XXXX, I see that the money was not back in the account. So I called again to make sure that it would be put back innow they say its too late, we have to open a dispute. I waited for the dispute paperwork to get to my house, I filled it out, and sent it back. Within a week, I got a letter, stating that my dispute was denied, and there was nothing wrong. Now, it's XX/XX/XXXX, I immediately called and spoke to a representative. She told me who to email, and exactly what to put in that email to appeal the decision ( to appeal the decison, stating that the account, XXXX does not belong to me ). A couple of weeks go by, and I still haven't heard anything. XXXX, I called to make sure that they got everything and that my case was being looked into... they said that it is. A couple of more weeks go by, and I still haven't gotten any correspondence in the mail or a response via email. I called again this morning, XX/XX/XXXX. They said that my appeal was denied for not supplying any additional information. I don't know what else to do.
Product: Vehicle loan or lease

Legal tender of payment was sent in XX/XX/XXXX. No notice or any communication in writing from Ally on intent. No obtion given to opt out. Did not return legal tender of payment with copy of receipt to file taxes accordingly. Failure to do fiduciary duties and file with FederalReserve on our behalf. No communication until XX/XX/XXXX when a recovery team came to our private home. No notice given. Trespassed, theft of Vechicle took place including breach of peace. Third party showed no proof of claim or any legal documentation. They have been charged with police for theft filed. Attorney General on record as well a a collateral lien with the UCC on Vechicle. Items were given to a party not on title. Police officer witnessed to refusing to return items and show documentation while owner present.
Product: Bank account or service

For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reporting to Equifax credit card account not belongs to me, this same account i was disputed and removed in 2020 and now XXXX reporting again the same.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ADDRESS, PLEASE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX, KY XXXX My name is XXXX XXXX XXXX XXXX I should only have XXXX name listed on my credit report. Please remove all other names listed on my report, for it is inaccurate information. 
XXXXThey are all listed on the affidavit that's attached to complaint.
Product: Debt collection

The amount on this account is completely wrong. There is no physical proof of anything as to why I owe these specific charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with self lead bank on XXXX XXXXXXXX and both credit bureaus took more than 30 days to respond. I started the dispute in XXXX and I havent gotten to respond in the mail ever since. They had 30 days to verify and they couldnt verify it so by law it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an identity theft account. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX This is a fraud account. They had originally said that I owed over {$10000.00}. I reported it and it was removed already from my report and now it's appearing again. Now they claim I owe them {$4600.00}. Please investigate and delete and block them.
Product: Credit reporting or other personal consumer reports

My statement date was changed due to a request to change payment date causing my XXXX XXXX to go down they told me it should take a month to change psyment date but changed it right away. So payment that was supposed to be posted on XXXX was now due on the XXXX which made it look like I missed my payment and I still had XXXX dollars due making my credit score drop 40 something points the swear they dont know what Im talking about. Then I receive a letter saying thanks for turning them in to the BBB because they still have not fixed my credit report. Now my statement was supposed to be posted on the second and still has not been posted. The is retaliation for reporting them. I want my statement posted as its supposed to this is not a very professional company I can send copy of letter. They are pretending to play XXXX.
Product: Credit reporting or other personal consumer reports

These credit bureau violates my rights as a consumer and federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just checked my credit report today and noticed a delinquent account that I have no idea what its for. The debt collector is Fair Collections & Outsourcing account # XXXX in the amount of {$3900.00}, original creditor is XXXX XXXX. The account is as opened XX/XX/2018.
Product: Mortgage

I am a XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy and indicated on the schedules that she wanted to reaffirm her mortgage. Wells Fargo Home Mortgage sent the reaffirmation agreement late, and then would not file it once they received it. We faxed it to them and mailed it on XXXX XXXX, XXXX. This is 1 week before the deadline. They received the paper letter within time to file it, and claimed to have never received the fax. Our fax had a verification of delivery. They told us twice on the phone on XXXX XXXX, XXXX that despite having the paper they would not file the paper. Filing it takes approximately 45 seconds. Despite having the signed reaffirmation agreement prior to the deadline, they refused to file it. They instead said that the lawyer should file a motion to extend the time to object to the discharge. Wells Fargo Home Mortgage also has standing to prepare and file such a motion. They refused to prepare or file it. A motion like this costs over {$1000.00} of attorney time plus postage and service costs. They refused to reimburse the borrower, their customer for these costs.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for inaccurate information on my Equifax credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To this date, Equifax has not responded. Below are the details of the inaccurate information and the necessary corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Action Required : Please remove this account from my credit report. 

You are reporting the XXXX XXXX XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$2300.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

The information indicated on the DIGITAL FED CREDIT UNI account is imprecise : Date Opened : XX/XX/XXXX Balance : {$680.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$680.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

I require that you verify the account identified as XXXX  XXXX : Date Opened : XX/XX/XXXX Balance : {$6300.00} Past Due : [ Remove this ] Action Required : Verify and correct the reported balance to reflect the accurate amount. 
Remove the Past Due information. 
Mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX XXXX  and TransUnion that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with XXXX XXXX XXXX XXXX and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, TransUnion nor XXXX, written permission to furnish these accounts. 

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

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Debt collection

On my credit report it does not have an opening date, because I have never opened this account and this dept is not mine.
Product: Debt collection

By checking my credit scores I discovered that Genesis collection agency was attempting to collect. I called them and was told it was for an apartment I rented in XXXX. I made multiple calls getting transferred and cut off. On XX/XX/XXXX of XXXX received information to file a fraud claim which includes a copy of mortgage statement or property tax report, a copy of my driver 's license, a notarized copy of FTC complaint and a copy of a police report to prove I lived somewhere else during the term of the lease. I called and asked for a copy of a signed lease in XXXX and was told they couldn't give it to me because my name wasn't on it. Unable to get that, I was stuck. Genesis had an incorrect street address, email address and phone number. They now have the correct phone number because I called them and a correct email so they could send me fraud forms. I continued to get phone calls and emails regarding the debt and continually asked for mor personal information which I refused to provide. I hired XXXX XXXX to assist in getting this removed and they have been working with XXXX, XXXX and XXXX. Today, XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC dba Genesis with a copy of an unsigned lease with my name on it and a list of charges. I hesitate to give them more personal information - mortgage/tax statement, driver 's license, etc. Also, the FTC doesn't provide a notarized copy of my complaint. I need help with this and am trying every avenue I can think of. Sending a redacted copy of lease they sent showing first page with my name and signature page showing it is not signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of 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 tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle not only has neglected to protect consumers but has also allowed repeat offenders to exploit the system
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you very much!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. I am a victim of a data breach, and these accounts were added without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$11000.00}
Product: Money transfer, virtual currency, or money service

I file a Complaint with Wells Fargo related to a XXXX transaction for {$600.00}. The transaction date was XX/XX/22. The transaction was sent to the wrong email address. I reported this by phone to Wells Fargo on XX/XX/22. They stated they would begin an investigation of the transaction at that time. I have claim number with Wells Fargo that I can provide to you. Wells Fargo sent a a letter on XX/XX/22 that they were still investigating and would follow up, but they have not. On XX/XX/22 I called to request that Wells Fargo send me information they are using in their " research ''. I was told this could take longer than 30 days, but I may hear from Wells Fargo on their own initiative at some point.
Product: Debt collection

I keep getting calls from this number and I have told them they have the wrong person and they would still call me. I have blocked the number on my phone and they keep calling me from different numbers. How many numbers can I block? This company is calling me frequently on weekdays, weekends and non-stop. 

Apparently its from a debt collection company called MRS Associates based in NJ
Product: Credit reporting or other personal consumer reports

I do not have a contract with this company reporting this negative remarks on my credit report I have asked them to provide such contract and they could not because I don't have or done business with said debt collector so the the accuracy an ethical standing of this company should be investigated and in question please remove this report ASAP that's crippling me from being successful in life I am a single mother and this is wrong in every way so please do what you can to help.Thank You
Product: Credit reporting or other personal consumer reports

according to law 15. U.S.6802.Law FRCA Section 605B its is it illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., I ask Equifax to provide proof of Contract with my signature on it, And some kind of copy of passport or identification.this Debt is not mine, belong to someone is. 
XXXX XXXX XXXX is reporting unauthorized medical debt on my credit report, XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $
Product: Credit reporting or other personal consumer reports

I am not aware of this debt, nor have I ever had any dealing with this company and it is showing on my credit report. Every attempt to communicate with someone from this organization is met with roadblocks making it impossible to ascertain whether or not this debt is mine and come to terms on a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of the XXXX data breach and my personal identifying information has been used to apply for and open several accounts which are not mine. 

I have identified the following accounts as not mine : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ending in XXXX I have completed a notice of identity theft with the Federal Trade Commission and have notified the credit bureaus. I have requested a fraud alert be added to my credit reports and have disputed the fraudulent information. 

Yet Experian continues to report the fraudulent accounts. I am doing my due diligence in working with the creditors and law enforcement yet Experian is disregarding my information and disputes.