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

XXXX 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts 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 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 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 XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Product: Debt collection

I received a loan from Net Credit about 6 years ago before Covid. I received about {$5000.00} dollars. The amount is over {$6000.00} dollars now. I've tried to resolve this issue. They said I would have to pay the full amount.
Product: Debt collection

My abusive ex husband was the one who was approved for the loan from XXXX XXXX. My name was never put on the loan, I never signed for a loan. I made the payments on time every single month until my ex husband was arrested for Domestic battery and I had to make the choice of paying the rent or paying the car payment. I had called XXXX to inform them that the payment would be a couple weeks late and the lady I spoke to ( don't remember her name sure to memory loss from a brain injury caused from XXXX husband ) and she informed me that since I had been making the payments on time every month that I would be ok to be late..well not even a week later I wake up to my jeep being pulled onto the back of a tow truck and I ran out and tried explaining the situation and they said that they were " simply doing their job '' I immediately called XXXX and the XXXX I spoke to told me that whoever I spoke to was wrong and that they would have never said being late on payment would be okay. This company is a joke and should have never been in business. I'm not the one on the loan and if I am then it's fraudulent because I never signed for the loan
Product: Mortgage

Their toll-free number doesnt allow you to speak with anyone at Mr.Cooper Mortgage when going through their IVR. Puts you in a continuous loop then hangs up. Feels very predatory when Im unable to reach a live agent.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my evidence, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error on my credit report, which supposedly has been corrected. The matter involves a collection ( {$59.00} ) by XXXX XXXX XXXX for XXXX XXXX. 

I have tried resolving this with Equifax, but to no avail. The error lowered my credit score. The error is said to have been corrected on XX/XX/XXXX and then again on XX/XX/2020. I've checked my revised credit score, and it shows the new, higher score ( as before the error ). However, I'm in the midst of trying to refinance my house and when the financial institution pulls up my credit information, it still shows I owe money, and my score is still low. The last time I talked to Equifax on the XXXX, a supervisor said he would manually correct my score so the banks would see the correct version of my credit information. Didn't happen. I would classify this as fraud on part of Equifax as the consumer - me - sees different, incorrect information than financial institutions. Equifax claims that the error was corrected are false. I can not proceed with my refinancing until this matter is resolved. 

The collection was posted on XX/XX/XXXX and I discovered this posting about a week later. I've been trying to resolve this issue since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair reporting act state employee credit union account number XXXX. Has violated my rights. 15 U.S.C1681 section 602A states. I have the right to privacy. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Witch I have not written any intrusions for this account to be furnished. Also a dispute was filed informing them of laws broken and nothing was done but a update to my file witch I also didn't give me written consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Regional Acceptance and XXXX back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to Regional Acceptance that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. Regional Acceptance has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). The account in question, reported with the number XXXX XXXX, contains multiple inconsistencies and errors that have not been addressed despite their impact on my credit history. I am requesting immediate removal of this account from my credit report. 

Identified Inconsistencies 1. Date of Opening : TransUnion reports the date of opening as XX/XX/XXXX, which does not match the information reported by other credit bureaus. 

2. Last Reported Date : The last reported date is inaccurately listed as XX/XX/XXXX, reflecting inconsistent and unreliable updates. 

3. Payment History : The payment history section is completely blank, failing to provide accurate or complete information as required by law. 

4. Payment Status : The account is marked as " Unknown, '' which does not accurately reflect the actual status of the account. 

Violations of the Fair Credit Reporting Act 1. 15 U.S.C. 1681e ( b ) : TransUnion failed to use reasonable procedures to ensure maximum accuracy of the information included in my credit report. 

2. 15 U.S.C. 1681i ( a ) : TransUnion failed to provide complete and updated information, violating the obligation to ensure the accuracy and completeness of consumer credit reports.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
The collections are : XXXX XXXX XXXX {$7600.00} XXXX XXXX  {$1800.00} XXXXXXXX XXXX {$37000.00} XXXX XXXX  {$18000.00} XXXX XXXX  {$370.00} XXXX XXXX  {$1500.00} XXXX XXXX  {$1400.00} XXXX XXXX {$720.00} XXXX XXXX XXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed account has been removed from XXXX  and XXXX. However, it has not been removed from XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC.

Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently turned in my Kia vehicle and entered into a new Kia lease. I was told that the dealership would help with the excess mileage charge from the other vehicle that was XXXX. I got a mileage bill and was told by the dealership ( XXXX XXXX ) that they tried to contact Kia Finance but could not get the mileage waived. Frustrated, I called Kia Finance and spoke with XXXX at ext XXXX. XXXX said he would help with the charge removal and told me to call him back on XXXX ( day after payment was due ). I called non stop, waived the do not call request, and left a multitude of messages. XXXX never called me back and nobody helped me with this. I paid the account in full and then Kia posted a non payment to the credit bureaus even though it showed paid on their end. This dropped my credit score some XXXX points. This is awful and I need help. The excess mileage bill was paid! I do not like Kia 's handling of this matter and will never use another Kia vehicle again once my current lease in the new car expires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was impossible. The CFPBs findings indicate that Zelle has only neglected to protect consumers but has 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

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the Experian major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Product: Checking or savings account

As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated IRS taxes was not received as well as a subsequent payment in the amount of {$500.00} which represents a mediation offer. The payment amount of {$3700.00} was offered to me by an XXXX XXXX while speaking over the phone in XX/XX/XXXX, it appears that check was intercepted and cashed by another party in which case another check was supposedly sent to me after I had moved in XX/XX/XXXX, the subsequent payment amount of {$500.00} was also sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. As explained in prior CFPB complaints, anything sent to old address would not be received, this includes a letter sent from mediation regarding offer amount of {$500.00} which was not received and or signed by myself. Needless to say, Wells Fargo reps can not refer back to it as they have attempted to do so prior, as again, it was not signed by myself. Wells Fargo has replied in the past in part by sending additional mediation request forms, a total of six have been filled out, denied, some reference the letter previously mentioned which was not received or signed by myself. Most recently, I received an IRS form which shows the settlement amount of {$3700.00} plus taxes reported to IRS by Wells Fargo. This is the second such form received, a form 1099, reports a payment not received in which case my taxes have already been filed and will cause an audit. The IRS will charge interest on any additional funds owed, once they audit the return. I request Wells Fargo to fix this error due to non-receipt of funds, they have reported this amount twice, in XXXX and now in XXXX for payments never received. In closing, Wells Fargo may show cashed checks, however, I can assure the CFPB those payments were not received as I moved in XX/XX/XXXX and were issued after that time period.
Product: Vehicle loan or lease

Credit acceptance is being non complaint on this auto loan I purchased XX/XX/2020 I paid for a warranty {$3800.00} for this car within XXXXmonths when the shock went out on the car credit acceptance told me the warranty had expired may. I had to come out of my pocket to fix the my car. Ever since i then this has been giving problem. I am paying a car that doesn't even work. also the credit bureau is not reporting correct information about this account .The credit bureau has erase all my good payment history from this account .This is not fair. Credit acceptance call me every day XXXX time or even more.This is the worst company I ever dealt with.
Product: Credit reporting or other personal consumer reports

Failure to correct personal information Reporting adverse information inclusive of balance, payment history, inquiries violation of the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent via certified mail ( which was received and signed for on XX/XX/2020 ) to dispute the accuracy, compliance and reportability of the listing of a public record appearing on my report " US BKPT CT PA XXXX. '' I formally requested that Experian provide me with any and all documents bearing my signature as proof that this record belongs to me, and also in a subsequent letter sent on XX/XX/2020, I requested proof of their method of verification and all related documents. To date, they have replied to all letters stating that they verified with the data furnisher that this information is accurate, claiming that they " verified '' this information via XXXX XXXX ; however, they have NOT indicated on my credit report that this specific item is being disputed by me ( which is a direct violation of FCRA ), nor have they furnished any documents from their supposed reporting source, XXXX XXXX, which I am entitled to by law, as proof that they have " verified '' this supposed public record. 

My complaint here is about direct violations of FCRA on the part of experian for not accurately reporting within 30 days of the receipt of my initial letter on XX/XX/XXXX, that I am disputing this item. In addition my complaint is about a direct violation under FCRA on behalf of Experian for not furnishing me with the proof which I am entitled to, as proof that XXXX XXXX has indeed " verified '' this record.