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

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by Experian Credit Bureau and inquiries are listed below. 

Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX  XXXX 5. XXXX XXXX  XXXX 6. XXXX  XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Product: Debt collection

Genesis Debt Recovery contacted me by email on XX/XX/2023, introduced themselves, and said they are trying to collect debt. The email stated I could call or write them by XX/XX/2023 to dispute the debt. I mailed them two certified letters requesting additional information about the debt before the deadline on XX/XX/2023 and have not received a response. They have been calling, emailing, and texting me. I've responded to their text messaging system saying " STOP ''. They emailed me again on XX/XX/2023 claiming the debt is now past due. I responded to the email notifying them that I sent letters to their mailing address and that my account should be under appeal. They have ignored my requests and failed to provide me with any other information about the debt they are claiming I owe, yet they continue to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Equifax to have all disputes removed from report per XXXX XXXX. I am currently in mortgage loan process. On XX/XX/2019 I received an alert stating the representative had falsely places disputes on 6 different accounts. This delay has and will cost me approximately {$2000.00} in cost from XXXX XXXX. I contacted Equifax again on XX/XX/XXXX to have problem corrected. I was advised this would take 30-90 days. This will cause me to not follow through with mortgage and loose even more funds. My complaint is with Equifax not XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested the contract between RMS And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with RMS nor have I given RMS and XXXX university the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since 2015 and a missouri address in which i don't reside in, which shows that i've never had any contact with this RMS company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by RMS anymore and remove this account from my report.
Product: Mortgage

OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.
Product: Vehicle loan or lease

On or around XX/XX/XXXX I purchased a vehicle through westlake financial services. According to usc 1605k determination of finance charge include sum of all charges. This company violated the FDCPA and truth in lending act and I will like this obligation to be paid in full due to the fraud of this contract. The right to rescind was not included in the contract which by law states every dealership must follow and operate through truth in lending laws which they did not
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 and XX/XX/19, XXXX and XXXX ran unauthorized inquiries that are reflected on my TransUnion credit report. When I learned about such activity, I contacted TransUnion, XXXX and XXXX to report the fraud and request removal of the inappropriate entries on my credit report. 

On XX/XX/19, the XXXX and XXXX representatives confirmed that the inquiries were fraudulent. While XXXX claims to have escalated the matter internally for resolution, XXXX Office of the President said they do not have a similar process ; and instructed me to follow the procedures for reporting the fraud to TransUnion instead ( which I already attempted to do the prior day ). 

On XX/XX/19, I called TransUnions dispute department again. A supervisor said that the only ways to have the fraudulent inquiries removed from my credit report are : 1. to have XXXX and XXXX electronically initiate the deletion, 2. obtain a physical deletion letter from each, and 3. file a complaint [ here ] or obtain a police report.
Product: Checking or savings account

New checking account Citi bank promotion, {$1000.00} promotion added to a deposit of XXXX after 90 days. 180 days have passed and bonus was never paid, I have been to local branch 3 times with out resolution. I want to close account and move the funds to a Certificate of deposit however the banking associate instructed me not to close the account because I will lose any chance of getting the promotion. On top of not getting the bonus this checking account is preventing me from earning interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VETERAN AND XXXX XXXX XXXX. I DO NOT HAVE A DRIVERS LICENSE, THEREFORE I HAVE NOT APPLIED OR HAD ANY AUTO LOAN IN MY NAME. I HAVE COSIGNED FOR FAMILY MEMBERS BUT HAVE NOT HAD ANY ACCOUNT WITH XXXX XXXX. I RECENTLY DISPUTED WITH EXPERIAN EXPLAINING THE FRAUD AND PROVIDING PROOF OF IDENTITY AND RESIDENCE. 
I HAVE BEEN INFORMED BY CONGRESS THAT THEY passed the Fair and Accurate Credit Transactions Act of XXXX ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has XXXX business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( XXXX ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 

THIS GOES FOR EXPERIAN, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX 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

Hello, I received a letter on XXXX XXXX 2015 stating this account was delete from my credit report and now it 's reinserted again. The account is XXXX XXXX XXXX # XXXX. I have attached the letter from Equifax showing the account was removed. Also, I requested " Validation '' information on XXXX # XXXX and not " Verification '' and it was never presented and I have the cast number to provide. The request in CFPB system. In addition, this account over the status of limitation and Equifax has changed the dates which is against the Fair Credit Act.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handing dispute particularly in light of 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 was impossible and that tracking these transactions was infeasible THE CFPB FINDING INDICATE THAT ZELLE HAS NOT ONLY NEGLECT TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPLOIT THE SYSTEM LEAVING USERS valuable to scams
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written XXXX unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the 3 credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within 24 hours and the account # XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX {$300.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX Account Number : XXXX {$0.00} 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: Debt collection

I used to live in this apartment but the state of Florida has payed through the pandemic rental help program and later on they came with this ridiculous amount of money on debt l would like to be removed from this please and thank you for all the support
Product: Debt collection

Portfolio Recovery has failed to properly update my credit reports to show that they have been paid. 


I request that Portfolio Recovery update there records with the three major credits bureaus and send me a copy of my XXXX balance letter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following.

A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ).

A credit union.

Any of the following, its successor, or subunit of one of the following.

Federal Deposit Insurance Corporation.

National Credit Union Administration.

Any other federal executive agency, including government corporations. 
Any military department. 
U.S. Postal Service.

Postal Rate Commission.

A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency.

A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government.

Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Product: Checking or savings account

On XX/XX/XXXX a withdrawal of {$1900.00} was made. There was no signature on this withdrawal. The second withdrawal was made on XX/XX/XXXX for {$1000.00} with no name on transaction. This was notated when XXXX XXXX XXXX XXXX XXXX checked the record at approximately XXXX XXXX on XX/XX/XXXX. Every visit to Regions has been documented and I have kept records of withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept. Ed XXXX. Account XXXX  XXXX******** ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX******** ( both accounts ) Violation Reported : missing reporting payment dates.

Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account dates XX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.
Product: Credit reporting or other personal consumer reports

I found disputes with the three measurement major credit bureaus and they're telling me that the information was verified and how can it be verified if it's not mine. I do not have any medical bills that are outstanding. That's it that's all there is to say it's not me they need to take it off and don't just dismiss my dispute.
Product: Checking or savings account

I was not able to withdraw funds at two different in-network ATMs. Both XXXX and XXXX  ATM transaction receipts referred me to the card issuer. ALLY Bank Customer Service agents XXXX and XXXX tried to help. They provided me with ATM withdrawal limits that did not match my written bank contract. BUT, the limits were greater than the amount of my withdrawal. They both informed me that there were no limits or restrictions on my ATM card that would have prevented my withdrawals of under {$2000.00} USD. I asked for escalation and was put in contact with XXXX XXXX XXXX XXXX. He provided the same erroneous ATM withdrawal info and admitted he was also unsure as to exact details. No one could help me with any assurance that I could access my ALLY Bank funds in any way keeping in mind that ALLY Bank has no physical branch locations. I consider this incident retaliation for having filed CFPB Complaint XXXX on XXXX for similar breach of contract and denying me access to my ALLY Bank funds. I am requesting you help in gain access to my funds from these thieves as well as keeping ALLY Bank from assaulting me with any further retaliation as I suspect is the case in the matter I am complaining about.
Product: Debt collection

XX/XX/XXXX I was informed there were medical collections on my credit report.I have contact XXXX XXXX XX/XX/XXXX at XXXX and informed the collection agency I receive medicaid/medicare benefits this is not correct. On XX/XX/XXXX I have spoken with XXXX and informed her I receive medicaid/medicare benefits. XXXX informed me the last time a statement was mailed on XX/XX/XXXX. I didnt receive a statement I have mentioned and XXXX gave me a number to contact XXXX XXXX at XXXX which is a wrong number and an acct # XXXX. XXXX was very rude to me and informed me that I need to handle my business better.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$380000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

PENFED Credit Union sent me an application for a XXXX Credit Card. The requirement is to open a {$5.00} saving account and become a member. On the advertisement, they said the {$5.00} is on PENFED ( see attached original advertisement ). I applied and received a congratulations email for the approval. I waited and no card showed up, So I called on XX/XX/21 talked to XXXX and she said she will sent an email to their department to fund the {$5.00} and I will received my card in week and a half. No card showed up and I called and talked to XXXX on XX/XX/21 and she said she will send an email to her supervisor to fund the account. On XX/XX/21, I received an email from PEDFED saying that my application expired and if I like, I can reapply anytime. So I called again on XX/XX/21 talked to XXXX  this time to find out what's going on. She said because I didn't fund my {$5.00}. On the advertisement, it clearly says PEDFED will fund the {$5.00}, Attached please find the false advertisement, Congratulation approval email and the Unfortunately please reapply email. 

Thank you so much for all of your help! 
XXXX XXXX