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

HI CFPB, please help me with this complaints : Im writing because yall have been violating United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Youve been furnishing reports for credit or insurance transactions that I didnt initiate. When I pulled my credit report, I saw multiple violations. Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

According to the law, a consumer reporting agency can only furnish a consumer report for credit or insurance transactions that I didnt start if : ( A ) I authorize the agency to provide such a report. ( B ) ( i ) The transaction is a firm offer of credit or insurance. 
And you can't furnish a record of inquiries for credit or insurance transactions that I didnt initiate unless it's provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if someone obtains a consumer report under false pretenses or without a permissible purpose, they owe actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. 

I didnt initiate these inquiries. If you think I did, send me copies of my written signature giving consent. The items below need to be removed from my report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX Where did you get this misleading information? This is unfair! DELETE! 
Under 15 U.S. Code 1681n ( b ), youre civilly liable. Ive already reported this to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

My rights under Section 611 of the Fair Credit Reporting Act are clear. I demand these accounts be deleted from all current and future credit reports. Send me the full credit report along with the investigation results to XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

Thank you for your help with these inaccuracies. 

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

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. I'm hoping that these disputed accounts get deleted. XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a XXXX XXXX/XXXX account in good standing for several years with automatic minimum payments enabled. On XX/XX/XXXX, I made a lump sum payment of {$1000.00} to cut my balance due in half. Within two weeks, they automatically cut my credit line by more than half by about the amount I paid from {$2000.00} to {$960.00}. They sent a misleading and dishonest letter claiming a " Credit Check '' had driven their decision. In fact, my credit rating has been steadily improving every month since XX/XX/2017. XXXX XXXX simply does not want to honor the XXXX Cash back policy and they are discriminating against borrowers of XXXX descent. They not only charge us above average interest rates, they also preemptively reduce our credit lines to keep our balances near their limits to maximize the opportunity to charge additional fees and higher interest rates.
Product: Mortgage

I had a property loss regarding my home due to lightning  and subsequent fire. After receiving the check from my insurance company I sent the check for {$460000.00} to USBank after obtaining a signature from my wife and the secondary lender on the home. The check was received on XX/XX/2020 as I have the tracking from XXXX regarding overnight delivery. 

Going back the lender provided me with a list of items that would be required to start receiving funds for repairs to my home. Those items were completed by me prior to the check being sent. There was clarification needed on XX/XX/2020 for some of the documents which my contractor and I provided and were told this would be enough to satisfy the requirements to release funds. However after no funds were released I called again on XX/XX/2020 to discuss. I was told that a form which even the person who worked for the bank said she had never heard of and a floor plan. I asked why this was required and was told " because the amount sent to us is more than you owe ''. After calling my contractor the person was reassuring in the fact that the insurance estimate with drawings would be enough for this. However after no call back on XX/XX/2020 I again reached out to them. They then said this was not good enough and that they must have a floor plan to " gauge the square footage ''. Again not a requirement in the initial letter. I attempted to satisfy this requirement by uploading a picture of the floorplan from our initial plans. However the person told me that she couldn't access their own system of electronic uploads and I would need to fax if I wanted a resolution. 
I have spent well over 3 hours on the phone trying to talk with a supervisor about this problem and have been met with multiple excuses of why I can not speak with a supervisor. I have even told them I would hold until one is ready to speak with me. However I have been hung up on and disconnected two times and still no resolution. This is keeping me from rebuilding my home that my family is displaced from. I need a resolution ASAP to get funding to start rebuilding.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the 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 that tracking these transactions and infeasible. The CFPBs 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: Debt collection

communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Quicken Loans, aka, Rocket Mortgage, my mortgage servicer sent me a threatening letter attempting to intimidate me from bringing a claim to resolve a fraud matter. On XX/XX/XXXX, I unknowingly signed a promissory note for an incomplete, non-code-compliant and nonconforming new construction home. The property was unihabitable with defective smoke detectors, ungrounded electrical wiring, etc. The fact that the home failed XXXX final inspections was concealed. Despite the state municipal law section XXXX required a certificate of occupancy ( XXXX  ) be obtained BEFORE the escrow transaction, the XXXX consummated the mortgage without one. The XXXX also stated on record that a XXXX  is required before closing on new construction. I was unaware during the escrow transaction that Quicken Loans violated their own lending requirement and state law. Quicken Loans advertises to the public via the internet that a XXXX is required before or at closing for new construction. Their licensed bankers have admitted on transcript that a XXXX is required before closing. State government records shows that the home failed XXXX final inspections before the closing. To make matters worse, the closing disclosure ( XXXX  ) was not provided XXXX days before closing. The final, completed appraisal was not provided before or at the closing either. In XXXX, the XXXX falsely claimed that the XXXX was provided on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX. Recordings, emails and origination records prove that the XXXX is lying and can not substantiate the false claim. In XXXX, when my state investigated the XXXX, on record, Quicken Loans obstructed justice and refused to provide requested evidence. The XXXX refused to provide the recording from the XX/XX/XXXX loan application call attended by my XXXX XXXX XXXX. The XXXX refused to provide their closing instructions given to the escrow agent, proof of delivery of the XXXX  and proof of delivery of the appraisal. Origination loan estimates contradict interest rate disclosures. The appraised value of the escrow transaction relied on the home being complete, conforming and code compliant.
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. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX - CARD SERVICES ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Mortgage

In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.
Product: Debt collection

HELVEY & ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX Helvy and Associates reported to my credit during the investigation of the disputed debt. When I asked the representative why the debt was reported during an investigation, I was not given a response. 

The company also failed to notify me of the initial debt. I only found out through looking at my credit report since we moved to a new address. 

I called the company multiple times to speak to someone about why my credit was hit during the investigation time frame and was disconnected multiple times. 

I believe this company is extremely aggressive in reporting to the credit bureaus before receiving all the facts.
Product: Credit reporting or other personal consumer reports

XXXX  is reporting late payments on my account that need to be removed. I recently came up on some hard times that caused me to be unable to pay. However, I called XXXX  who agreed to set me up on a plan if I made a payment that day. I went ahead and proceeded with it. However, I noticed on credit they reported me late on credit. I never ever intended to be late. I ask they please remove the lates.
Product: Credit card or prepaid card

On XX/XX/2023 my account ( XXXX ) with Capital One were closed due to " XXXX ''. For the past XXXX months, XX/XX/2023 XX/XX/2023 and XX/XX/2023 no one in customer service at Capital One has been able to explain to me in details who committed the fraud and what happened exactly. I did not authorize for my account ( XXXX ) to be closed in relation to fraud because I'm unaware of fraudulent activity ; unless it is on their end. While under review please consider XXXX XXXX. XXXX XXXX Capital One sends to my address every month.
Product: Checking or savings account

On XX/XX/XXXX I went to the bank branch where I opened my account at XXXX XXXX XXXX XXXX location. XXXX XXXX branch manager who opened my account was not there and told she is on vacation and there is nothing anyone can do and I would need to leave. When I left location was shocked and saw the lady and her co worker stared at me like let him rot with an evil look. Non stop calling trying to get answers I went to another location and got in touch with XXXX  branch manager of the XXXX location in XXXX XXXX. He said on phone he cant do anything and he would escalate it to the fraud dept. My situation is a night mare and no one gave me straight answer till just before and said my account is flagged due to my deposits which were normal but SunTrust has an issue. I have rent to pay car insurance bills cant eat my life has stopped since this point. If they have issue they need to take it up with me and ask find out show proof of any funds and can verify it. I need my funds asap so I can live especially in this covid-19 world. The stress and not able to sleep or think is putting a huge burden on me. By law they cant hold my funds they are not the authority by any means. The damage they are putting upon an innocent person is insane. my account # is XXXX. Please have them rectify this asap I am in hunger now and can be on the street with no where to live.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attempting to unfreeze my credit through Equifax. 3 days ago, on Sunday XX/XX/XXXX, I unfroze my credit through Equifax 's online portal. I got the confirmation on the screen to show the lender I was with. 

Today, I received a call from the lender that the freeze is still on my account. I tried to unfreeze it using their online system, but it isn't working. When I called the number on the site, the customer support employees said that the site was down and was unable to fulfill my request. Or help me. 

This is unacceptable for one of the three major credit bureaus can't unfreeze my account. Or that their site can be down for any length of time. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away
Product: Debt collection

In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX  ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit,  but I do know it was the same as the rent ) I've disputed this through the XXXX  and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''