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

Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. 
Thank you
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened for your complaint : What Happened : On XX/XX/year>, a hard inquiry from Capital One Bank USA NA appeared on my credit report. This inquiry was not authorized by me and is a result of identity theft. I have not applied for any credit or services with Capital One Bank on or around this date. I have taken steps to address this issue by contacting the relevant authorities and filing a police report for identity theft. Despite these efforts, the unauthorized inquiry remains on my credit report. 

I request that Capital One Bank investigate this issue and remove the unauthorized inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( {$4100.00} ) Original creditor XXXX XXXX is not my account. After doing my research it belongs to a business by the name of XXXX XXXX XXXX XXXX whichI do not own. Please remove for they have violated my rights. 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I am writing to urgently address ongoing inaccuracies in my credit report. Despite multiple attempts to rectify these issues through dispute letters, I am dismayed to find that my credit report continues to contain errors that are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is imperative that all information on my credit report is 100 % accurate. However, after reviewing the relevant sections of the FCRA, specifically 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that several accounts are not reporting information accurately.

Attached, you will find copies of all dispute letters previously sent for your reference. This serves as my final warning before considering further action to address these inaccuracies. 

I urge you to take immediate steps to rectify these errors and ensure that my credit report reflects accurate information in compliance with federal law.
Product: Student loan

I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I submitted a dispute yesterday at XXXX PST on the collection agencies website, got a call today 3 times from a bill collector who was harrassing me and said he had no data on his side showing that I disputed the validity of this medical bill ( this should have been paid by my PPO United Healthcare in subrogation ). The collector 's name was XXXX and his extension is XXXX
Product: Debt collection

My debt was sold to a third part called Worldwide llc. This company called my husband threatering to take our home. They then called my job and I asked them to stop. They are now calling my companies corporate office threating to sue them. They call over XXXX times a day on my husbands phone and my work phone hanging up when we answer. They have also discussed the debt with both my husband and employer. I have notified them I am in the process of filing bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to TransUnion since 2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX and XXXX state they are still investigating. XXXX needs to be driven completely out of business.
Product: Credit reporting or other personal consumer reports

Account : XXXX Please remove this account from my credit report as it is inaccurate and negatively effecting my credit report. 

I have called months ago requesting to them to submit any contract or consent that I owed them debt or consent I gave them to report on my credit report. A cease and desist was also requested which they broke by communicating through a 3rd party medium according to 20 U.S. Code 1234e - Cease and desist orders ( C ). 

I have not contracted or consented with them to furnish anything on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) Disclosure to Consumer subsection ( ii ) and section ( B ) subsection ( ii ) which states ( 2 ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person ; ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

Permissible purpose defines the circumstances in which the FCRA allows credit reports to be obtained. These purposes are documented in section 604 of the FCRA as : * In response to a court order * After receiving permission from the consumer * To someone who : * Intends to use the information in connection with a credit transaction.

* Such as the extension of credit * Intends to use the information for employment purposes.

* Intends to use the information when underwritinginsurance for the consumer.

* Intends to use the information to determine a consumer 's eligibilityto obtain a license.

* Intends to use the information to assess credit or repayment risk.

* Or otherwise has a legitimate business need for the information, a business transaction or reviewing an account.

* Is an executive or government agency intending to use the information for travel charge cards.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Product: Money transfer, virtual currency, or money service

I am visiting formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, 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 were unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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

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. 

XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Received mail from XXXX  ( school loans ) Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL 3 MAJOR CREDIT REPORTS
Product: Debt collection

The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX  SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.
Product: Credit card

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form XXXX and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of XXXX and XXXX. 

As per the Internal Revenue Service regulations, I have not received the required Form XXXX, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section XX/XX/XXXX during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of XXXX and XXXX, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns XXXX necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- U.S. Bank ) to another ( Bank 2- its XXXX XXXX ). I received an email from Bank 2 confirming the transfer. 



On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 



Well, it didn't. 



Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 



I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account.I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank. 

I have all the documents acquired thus far.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX, with XXXX XXXX and my lease was up in XXXX of XXXX. My lease payments were with US Bank. I asked for an extension, and was granted up to 6 months ( XX/XX/XXXX ) It was explained to me that it could be turned in at any time during those 6 months but that XX/XX/XXXX was the deadline. I went to lease a new vehicle in XX/XX/XXXX and turn my vehicle in. I spoke with the dealership the week of XX/XX/XXXX, at which time they contacted US Bank for the payoff amount. It was {$16000.00}, that amount was to be good til XXXX XXXX, which XXXX sent the check to US Bank on Monday XXXX, dated on that day, and they had told US Bank it was in mail. 
I clarified with XXXX, finance person, at XXXX on XX/XX/XXXX when I turned vehicle in and picked up my other lease, that it was being paid in full, and he said yes, I was clear, I owed nothing more. 
Then on XX/XX/XXXX US bank took an automatic withdrawal car payment out of my checking acct. I called to tell them I had turned it in and was given the all clear. They stipulated that they did not receive the check in time. But the check was received for {$16000.00} they amount for payoff that they quoted. So they essentially received full payoff and an additional payment of {$210.00}. When I first contacted, and they said I needed to file a formal dispute but that it ( {$210.00} ) would likely be returned when they caught their error. Filed dispute with them per XXXX. 
I received a letter saying my dispute was denied. I called and filed a new dispute ( per XXXX ), she seemed to completely understood the issue and said " she just didn't think that it had been adequately explained in the first dispute, but that she would better explain it, the best she could in the space she had on form ''. She was in agreement that they received the check and it was for payment in full and that another payment should not have come out. She said they were required to notify in 7 days and gave me a tracking number. I had not heard after 7 days ( and have not ever received 2 denial letter in mail ) so I called and spoke with XXXX, he reviewed the file and laughed saying " I was denied again '' and explained they probably would not be returning the money. I further explained that they accepted the {$16000.00} as payment in full and shouldn't have taken any more money, that my lease was definitively over on XX/XX/XXXX as it had been thoroughly explained to me it could go NO further. And that I had turned vehicle in on XX/XX/XXXX. He said I could file a 3rd dispute and I said I wanted to do so, he laughed again saying " good luck ''. He said he would file it but would also, connect me with the " end of term dept ''. He then hung up on me. And he never filed the 3rd dispute. I have also, spoken to XXXX and the called US Bank on my behalf as well and gotten the same run around. I do have a copy of the email payoff quote they were given the day my vehicle was turned in. I just feel as though they not only received full payoff, as quoted, but an full additional car payment. I do feel as though I am due that {$210.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to see my credit score because of an error, XXXX asked them to fix more than XXXX time Cant log in on website and see my credit report, there an error when I log in that states theres a technical issue
Product: Debt collection

I C System reported a negative information on my credit report. The debt does not belong to me.