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

I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, and I am requesting its immediate removal as required under 15 U.S.C. 1681c-2 Legal Violations Identified Violation of 15 U.S.C. 1681b Reporting Information Without My Consent The FCRA explicitly states that consumer reports may only contain information furnished for permissible purposes and require the consumers express written consent for reporting. I never provided any consent for this account to be included in my credit file. Since my authorization was never obtained, the reporting of this account constitutes an unjustified violation of my rights under the FCRA Violation of 15 U.S.C. 1681c-2 Mandatory Blocking of Unauthorized Information Under 15 U.S.C. 1681c-2, when a Federal Trade Commission ( FTC ) Identity Theft Report is submitted, the credit bureau is required by law to block the disputed information within four ( 4 ) business days of receiving the report. The account in question was reported without my authorization, making it improper and unauthorized under federal law, and requiring its immediate deletion Unauthorized Information to Be Removed The following information has been reported on my credit file without my consent and must be blocked and permanently removed immediately XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I am exercising my legal right to request that this unauthorized information be immediately blocked from my credit report. The FCRA mandates that this information must remain blocked for at least one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor reinserted into my credit report Failure to Respond and Harm Caused Despite multiple attempts to resolve this issue directly with the credit bureau, my efforts have been ignored. This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities. The accounts in question have already been removed by other credit bureaus, yet they remain on my file with your bureau, raising concerns about FCRA compliance. I have previously requested contracts or documentation proving that I provided consent for this reporting. Over 60 days have passed, and I have received no response
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

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

I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX  ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/XXXX XXXXr, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Equifax credit bureau must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$260.00}
Product: Debt collection

I have faithfully been making {$100.00} payments every month to Evergreen Financial Services Without a missed payment. I received an e-mail from XXXX accounting on XXXX that Evergreen Financial sent them garnishment papers ( I never was informed prior ) and my checks will begin being garnished on week ending XXXX. As I was at work : I had my wife call them XXXX  and we made Another payment of {$210.00} on XXXXXXXX  and we thought everything was good per their ( XXXX  ) employee. My wife requested a breakdown of what we supposedly still owe from past medical bills as we have been paying {$100.00} a month for approx. a year ( They said, We do not have to provide/send that ). A day or so after asking Evergreen for a breakdown of owed bills ; My credit report took a hit for No Reason and Stated the XXXX just sent me to collections for past medical debts of {$2400.00}! I have never received a letter prior to being sent to collections ( which damaged my credit from Good to Fair Now )! I never received a letter prior to being sued and I Never received a letter or call about Garnishing my checks! They constantly harass myself and my wife even though I have been faithfully paying them {$100.00} every month before the end of the month and I have bank statements showing the {$100.00} withdrawals every month to Evergreen and bank notes on the {$210.00} I just paid on XXXX ; XXXX  then sent me to Collections to damage my credit a day or so after speaking with my wife and making the {$210.00} payment! This is XXXX XXXX XXXX and Evergreen will do everything they can to Ruin Peoples lives that have worked so hard To Fix their credit from past debts!!!!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that revealed major issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings highlight that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

There is an on-going issue with Discover Bank, where I am not able to manage/access my checking and savings account with this bank. Each time I attempt to perform any banking transactions, my account is locked/frozen/blocked from me accessing it, which lead to having to call Discover Bank customer service and waiting for an agent. Recently, this account was frozen for 21 days and was unlocked on XX/XX/21, with the excuses given that suspicious activity was the cause of my account being frozen. As of XX/XX/21, after attempting to use XXXX, my account was locked out yet again, which I had to call customer service to speak with a fraud specialist. XXXX verified information on my bank card and then informed me that she had unlocked my account. She suggested that I log-in again while she went to do research on my account. While she had me on hold, the account was locked out yet again, just for me actually logging in to the account. XXXX said she would create/open a case in regards to this issue, because she didn't see anything wrong that would prevent me from accessing the account, that everything was good, but yet, I wasn't able to log in. She suggested that I wait until the following day to try to log in again, after the case had cleared their systems. She placed me on hold for a few minutes to check my log-in history and then came back on the line to tell me that someone in Virginia state had attempted to log-in to my account multiple times. She suggested that I change my password and possibly have my account ( s ) reissued, but I needed to wait the 24 hour period to reset my password first, to see if that would solve the issue. This problem of my account being locked out/frozen/blocked access has been going on for a very long time and it's getting to be a big annoyance, especially when I have to wait on hold to get to an agent and then get to an agent and then have to listen to the same story of no one really knowing what's happening with this account. This is a headache that has caused a great deal of emotional stress, that Discover Bank doesn't seem to actually care about, being that they haven't fixed this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery Association, LLC put this account into collections. Before they did, I explained it wasn't mine. I have other XXXX accounts, but this is not mine, Spoke to XXXX at Portfolio and was told I could pay@XXXX doesn't matter that this is not mine, under my social. 
This had come up before, approximately 6 to 7 years ago, I proved it wasn't mine. This was taken off. 
Now it has reappeared through Portfolio. I told them I could prove it's not mine. she said it was under my social, and that I was responsible. 
I would like to see the original application, and the original invoice, and what social was it under?
Product: Credit reporting

I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding fraudulent activity committed by XXXX XXXX XXXX and XXXX XXXX XXXX in connection with a vehicle financing transaction. Specifically, I am alleging that both parties engaged in fraud and forgery on the credit application without my knowledge or authorization.

Details of the Fraudulent Activity : 1. Unauthorized Use of Personal Information The financing application was supposed to be processed solely under my business entity using its XXXX. However, XXXX XXXX XXXX and XXXX XXXX XXXX submitted the application using my personal Social Security number ( SSN ) without my acknowledgment or consent. 
2. Forgery of My Signature Upon reviewing the credit application, I discovered that my signature was forged on the documentation. There are multiple different signatures on the hard copy, which clearly indicate fraudulent activity.

3. Misrepresentation and Deceptive Practices At no point did I authorize the use of my personal credit for this transaction. The dealership and financial institution knowingly and fraudulently altered the application to include my SSN, exposing me to unauthorized debt and liability.

Requested Resolution : I request the immediate cancellation of this fraudulent credit application and loan agreement due to the unauthorized actions taken by XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, I request a formal investigation into these deceptive practices, along with any necessary corrective actions, including : Removal of this fraudulent account from my credit report. 
A full refund of any funds paid due to this fraudulent agreement. 
Legal action or penalties against the responsible parties for engaging in fraudulent conduct. 

I am prepared to provide any supporting documentation, including copies of the forged application, to substantiate my claims. I expect a prompt and thorough investigation into this matter. Please confirm receipt of this complaint and provide next steps regarding how this issue will be resolved.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 finish a account without written instructions 15 U.S.C 1681cc. ( a ) ( 5 ) Section : 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

I discovered some errors in my credit report that violate 15 USC 16c-2. These inaccuracies are harming my credit, and the inquiries were made without my authorization.
Product: Credit card or prepaid card

On XX/XX/2022, I mailed a letter to Goldman Sachs Bank including police report and FTC report stating that a credit card was opened in my name and added to my credit report on XX/XX/2022. The account name being APPLE CARD - GS BANK USA. I have yet to receive a response from Goldman Sachs and it has been more than 30 days. According to federal law, they must have responded to my original inquiry within 30 days of receiving the original letter and so I am now requesting that this account be cleared from my report and cleared with the bank, again due to identity theft. I am uploading copies of the police report, FTC report and original mailed statement.
Product: Mortgage

i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised due to the recent Equifax security breach.
Product: Student loan

I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.
Product: Credit reporting or other personal consumer reports

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

I told them that I had been receiving a call from them every day for the last month and a half, and when I answered nobody would say anything. I had told them I was attorney-represented. The representative, without talking about an account or anything, said that my information was also associated with someone else 's account, and she would get that taken off immediately so they would quit calling. Then she told me to have a great day, and she was sorry. When we hung up, my caller ID had changed to ( XXXX ) XXXX out of XXXX, XXXX. True spoofed Robocall. I'm not sure why nobody answers when I answer the phone. The spoofing switchover might be causing it to drop, and showing a second call. I'm just speculating from what I quickly searched online. Thank you!
Product: Credit reporting or other personal consumer reports

AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.