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

These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. 

They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. 

Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.
Product: Checking or savings account

I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided login to myequifax.com - worked when established. Working with Customer service has been a waste of time. I can NOT login anymore. Tried many variations, browsers, cookies and my XXXX. Noting works anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX 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
Product: Debt collection

I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.
Product: Money transfer, virtual currency, or money service

In light of Zelle 's services, I am submitting a complaint. Several transactions made with Zelle were improperly contested. Between Zelle and my financial institution, none of my files were thoroughly looked at. Other than being notified that money were being reversed, I was not given enough information. I feel so exposed. According to the CFPB 's findings, Zelle has not only failed to safeguard its clients but has also permitted repeat criminals to take advantage of the system. Consumer safety is being threatened by this intolerable lack of customer empathy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit report bureaus keep saying that my score is lower than it should be because of a delinquent payment. They cite a 30 day missed payment in XXXX to XXXX XXXX. This is inaccurate. XXXX has no record of it a missed payment. I would like this off my account so it is not affecting my score.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REPORT THESE INQUIRIES AND WOULD LIKE FOR THEM TO BE TAKEN OFF MY CREDIT REPORT BECAUSE I AM A VICTIM OF XXXX XXXX  AND THEY ARE DAMAGING TO MY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My complaint is that Trans Union will not remove the bankruptcy off of my credit report 6 months before they claim it is supposed to come off my report-that is it! 
Trans Union came back with something about about how they do n't control my credit score etc, etc. 
The bankruptcy has been on my credit report for 10 years removing it 6 months before Trans Union claims is when it is supposed to come off should not be a problem.
Product: Mortgage

PennyMac is charging us for taxes although we are now tax exempt by XXXX County Texas.
Product: Vehicle loan or lease

The lender repeatedly denied that payments had been received, although bank records indicated otherwise. Lender also also wrongly claimed that vehicle in question was not insured, and added additional amounts to loan for insurance, notwithstanding the fact that said vehicle in question was at all times insured by XXXX. Lender further created other false addendums for the purpose of increasing the balanced owed and then repeatedly hounded this consumer regarding surrendering such vehicle for repossession.Lender also required this consumer to submit bank records for proof of payments. However, after consumer realized that the lender did NOT have/maintain payment records, inasmuch as the same had likely been mismanaged, this consumer decided to surrender the vehicle in question for fear that lender would continue its mismanagement of payment records, which would continue to cause gross excessive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX ending in XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately
Product: Credit card

During the pandemic my credit limits were all dropped ( 3 ) without proper notification. I had been a Citi member since XXXX  with a perfect score of XXXX. I had NEVER missed a payment or was never late. In one day the devastated my credit scores. Six months after that they did it again but that time they provided notice. I had complained to them about not being notified the original time and they stated they had notified me. I asked them to resend the notification, and they never have. I asked them again today. In retaliation I did not pay for a time and then realized I was only hurting myself. Recently, due to the hardship this is causing me ( I can't rent a home ) I decided I must bring my late payments current. This was after considering debt consolidation and bankruptcy. The debt was mine and I must pay it. I worked out with them to close two of the cards and they agreed to leave one open. It had a balance of approximately {$2800.00}. I used it infrequently. I have been told to pay my debt down to raise my utilization ratios. I sent {$1000.00} in and they dropped my limit again which leaves in the same place. Maxed out. These companies can destroy someone in a day with no notice. I say NO. Please help me work this out.
Product: Credit reporting or other personal consumer reports

I have filed sever disputes with Experian and XXXX who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Infiniti has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and Infiniti  account statements confirming payments and a current status. But if you look at my XXXX, XXXX  and XXXX  reports they all show BLANK reports for the past seven months to date?? PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.
Product: Debt collection

I had a garnishment sent to me last year. I went to my bank Chase. I wired {$4700.00} to the creditor on XX/XX/XXXX. The Attonery and the court sent me the dismissal of garnishment paperwork and I received it by mail on XX/XX/XXXX. On XX/XX/XXXX Chase put a hold for the garnishment on my checking and savings account leaving me without access to any funds. On XX/XX/XXXX I went to my local branch and they faxed the Dismissal of garnishment and the letter from the attorney stating debt was paid in full. It is now XX/XX/XXXX and I still dont have access to any money. When I call they told me I would have my money in 24 to 48 hours. Its been a week and I still have a hold and negative account balance. My credit card payment was also returned for insufficient funds. I understand that accidents happen. I have given Chase a full week and now I dont have any money anywhere. I cant buy gas or food for my newborn. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$67.00} XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$360.00} XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$900.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2400.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any credit inquiries that I have made. It is the result of identity theft. 

I did not authorize the following credit inquiries that were a result of the identity theft : XXXX XXXXXXXX XX/XX/year> XX/XX/year> Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card or prepaid card

Capital One sent a promotional email and to apply for a credit card on their website https//www.capitalone.com/credit-cards/get-my-card/ REFERENCE #  XXXX  ACCESS CODE #  XXXX  I applied and was approved on  XXXX   XXXX ,  2017 . Capital One issued my credit card and sent me a confirmation email on  XXXX   XXXX ,  2017  on  XXXX   XXXX ,  2017  I received the credit card in the mail with activation steps. When I called Capital One  XXXX  to activate Capital One said the account was closed and to reference case #  XXXX  and that they sent emails in error. Capital One has had a breach of some sort and personal information fraudulently handled.
Product: Mortgage

XXXXapplied for loan modification after coming out of temporary hardship forbearance, was approved for modification but had to make 3 initial payments for XXXX which at the time I couldnt afford because my daughters that were helping financially could not. XXXX then recommended I could qualify for the Covid relief deferment program. I was told the process would take 10 days but took 2 months and I was denied. It was then that my daughter was told my payments were never pushed to the back of my loan and I was delinquent over XXXX, so they recommended I apply for a modification but they put my income as XXXX which was their mistake. Again it wasnt until I had my daughter call when they said I was denied because I had XXXX income which was an error in their part. They said another loan modification with correct info will be put in and someone will contact me. I received a letter stating I was in the risk of foreclosure and XXXX needed to be paid by XX/XX/23 to avoid it. My daughters called again and was told that an appointment with a relationship manager which we have done numerous time to get this resolved and we just keep getting passed around. We ask to speak to a supervisor because this is time sensitive, I dont want to loose my house and want to get this resolved but no one at XXXX wants to help resolve this and discuss my options.
Product: Debt collection

My daughter visited XXXX XXXX on XX/XX/XXXX. XXXX XXXX was advertised as a Tier 1 PPO Provider XXXX XXXX XXXX XXXX. We were not advised that their provider was not credentialed. They took our insurance as usual. 

XXXX worked with XXXX XXXX XXXX  until their claim was rejected on XX/XX/XXXX because the provider was not credentialed. They paid a reduced claim amount of {$38.00}. 

XXXX sent us a bill for the full {$140.00} amount. I disputed the amount and explained they had failed to credential their provider and offered the {$38.00} in a letter dated XX/XX/XXXX. XXXX XXXX did not respond to that letter. 

XXXX sent a demand letter dated XX/XX/XXXX from Transworld Systems Inc. ( TSI ) as their credit collection agency. I returned the dispute form XX/XX/XXXX asking to verify debt, explaining that their provider was not credentialed even though they advertised XXXX XXXX status and that they didn't even have a " real '' name on the debt. XXXX XXXX nor TSI responded to my request. 

Transworld Systems Inc. ( TSI ) sent another debt collection letter on XX/XX/XXXX. They did not verify debt, they did not respond to two separate letters dated XX/XX/XXXX and XX/XX/XXXX. They did not stop debt collection until verification or responding to my requests. As far as I can tell, they are breaking all the rules.
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 XXXX  XXXX - XXXX XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX  - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I'm going through a really stressful time due to Wells Fargo 's actions. Wells Fargo committed multiples violations inconsistent reporting across bureaus, I disputed and they failed to mark the account as disputed. I filed an arbitration case against Wells Fargo, who is reporting the account involved in this matter. Wells Fargo has refused to arbitrate the matter thereby violating the contractual agreement. Now the XXXX XXXX XXXX tells me that Wells Fargo didnt pay their fees and American XXXX XXXX XXXX the case. So my purpose with this complaint is that the CFPB opens an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am attaching the XXXX proof in which they give details of the case.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting or other personal consumer reports

This is regarding complaint XXXX. The original creditor was contacted and could not furnish information being alleged by the collection agency Caine & Weiner. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/XXXX. Also, I formally requested a copy of the correspondence that was supposedly mailed to me during that time informing me of this debt with your company, the forward flow agreement, the contract bearing my signature, and your license to collect debt in the state of TX. I submitted the aforementioned account in XX/XX/XXXX. It is now XX/XX/XXXX and you have failed to provide any of the requested information to support your claim. Failure to provide this documentation constitutes yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. It is also important to note that my information was involved in XXXX XXXX data breach in which I will provide my claim Id as I did before. Remove this account from my credit report immediately or I will proceed with legal action being that I have given your company ample amount of time to fix this error. CAINE & WEINER XXXX
Product: Credit reporting or other personal consumer reports

A XXXX  account opened in XXXX XXXX by XXXX XXXX XXXX. See details below from XXXX. XXXX  had account closed by XXXX  grantor back in XXXX but XXXX XXXX has been adversely affected and XXXX XXXX  has not improved. Would like to file complaint as part of ongoing XXXX  dispute reports directly with credit bureaus which XXXX XXXX filing. 

XXXX XXXX XXXX XXXX Account number XXXX Account type XXXX  Card Responsibility Individual Date opened XX/XX/2023 Status XXXX. {$210.00} XXXX XXXX as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$800.00} XXXX updated XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING EDFINANCIAL ALL ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

i notice a collection on my credit report on last month from PHOENIX FINANCIAL SERVICES about an alleged debt of XXXX that i do not owe and the repeated, harassing calls from them on XX/XX/2021, so i sent them a letter on XX/XX/2021 requesting documentation concerning the inaccurate item they are reporting on my credit in a timely manner. i do not know these people nor have dealt with them in my life.