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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reprinting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicates that Zelle has not only neglected to protect consumers but has 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 card

i found a charge on my card, i called them to dispute they mailed me and said they found no error
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am unaware of this and the company did it without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Requested verification documents for Calvary, who claims to own the debt, and was only sent bills. I asked for a chain of title and was again only sent the bills. They will not send chain of title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted TransUnion about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted XXXX XXXX XXXX the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Debt collection

This is not an inquiry it's a complaint. First, one of Eastern Account System 's employees XXXX XXXX has been unethical concerning a debt collection activity. Eastern Account Systems claims that I owe {$370.00} based on an account that I previously had with Wow cable. I paid Wow cable directly on XX/XX/2022. On this same day, I spoke with XXXX XXXX ( XXXX ) who acknowledged that I had paid the debt and told me to send the paperwork/receipt of payment via Wow and it would be taken care of. She said nothing of extra communication with Wow or anything that would've made me think there was anything else that needed to be done. Today, I call Eastern Account Systems and their epresentatives are still trying to collect a debt that I do not owe? I was told that Wow needed to send the paperwork over and that they had not done that. Well, I spoke with Wow today, they said they have sent the information that is needed. This is all unethical behavior and this account needs to be closed.
Product: Student loan

Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!
Product: Credit reporting

EXPERIAN fails to remove the XXXX account. EXPERIAN reports incorrectly that this account is paid monthly. EXPERIAN reports incorrectly this medical account is an open account. XXXX reports incorrectly the date of first delinquency. EXPERIAN fails to verify the authenticity of this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Mortgage

hope your help in this case. in 2010 I short sale my house because the bank chase threatened me with foreclosure, stop payments for 9 months. the sale was for $ XXXX but the debt was for $ XXXX bank recognized $ XXXX just stay with debt of $ XXXX and I did foreclosure by that value. They ruined my credit and my life. nothing I served the short sale. even this appears on my credit report. how do I solve it? thanks!
Product: Credit card

Macys has yet to provide me the 1009-C that they filed in regards to my written off debt. They have also provided my private personal information to third parties ( credit reporting agencies ) without my expressed consent confirmed by my wet signature.
Product: Debt collection

I signed into XXXX to look at the site and had to enter accept their terms to look at the site for one day and mad a payment. The next thing I find is a bill for {$380.00} being billed to my credit card. 

I contacted my bank and had them stop the transaction. They did and now XXXX turned their fraudulent actions over to their collection agency. 

I refuse to berobbed lied to and then tried to be collect a debt that I DID NOT CREATE. 

I intend to contact the XXXX  and file a complaint along with this one. 

This company does not operate under fair law rules!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXY XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized Credit Check, XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my wells Fargo account in XXXX The qualifiers for " free '' or fee free account were to use your debit card XXXX  number of times a month. Long story short, I found out that they've been charging me fees here and there totaling well over XXXXXXXX XXXX When I first noticed a few months ago, I went to the branch, the manager ended up coming over and tried talking me into closing my account. That obviously set up red flags and what helped me make the decision to escalate this. I've also been affected by the ficticious accounts and believe that I was put into this account with these parameters and qualifiers that are drastically different than what I signed up for unknowingly. Not sure how else my account number changed around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer.

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I spoke with XXXX XXXX on XX/XX/2023 to discuss problems I have encountered because they mistakenly took 4 loan payments out in XXXX on the same date. We did not recover from fees and unpaid obligations. 

I asked for a loan payment waiver for two months. They said they would try to get an approval for my request since they made a mistake in XXXX. They called me back on XX/XX/2023 and said my waiver was approved. They stated that they wouldn't take money out for one month. 

On XX/XX/XXXX, they took two payments out and when I called to complain, they said that the waiver started on the XXXX XXXX XXXX. Today, on XX/XX/2023, they took out 1 payment. I called to let them know, they said that only one payment was waived. I let them know that both loans were supposed to be waived. I also let them know that I never received any documentation acknowledging the loan waiver. The agent I spoke with, XXXX, XXXX is her agent number, said that they did not send any information. 

I had known that only one loan was waived, I could've tried to prepare for it. They never sent any information to me. Their actions are reckless and predatory. Their mismanagement of my loans have caused me tremendous financial devastation. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an incorrect address on my credit report. The address in question is XXXX XXXX XXXX, XXXX, GA XXXX. I have never lived at this address, nor have I been associated with it in any way. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate or incomplete information from my credit report. This incorrect address can lead to confusion and potential damage to my creditworthiness, as it does not accurately reflect my actual residence history. 

Therefore, I respectfully request that you promptly investigate this matter and remove the incorrect address from my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times filing multiple disputes via online and over the phone regarding inquiries recorded on XXXX XXXX, 2017, XXXX by XXXX, another by XXXX not authorized by me. Experian has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding XXXX delete the inquires immediately. 

Additionally, I have disputed an account on my credit file listed as XXXX XXXX, account number XXXX. This is a derogatory account that is not mine, I have no knowledge of and have tried for months to have it removed from my file. It is showing as a closed account with a balance of $ XXXX. I have asked Experian to provide written documentation validating this account and they have been unable.The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. I am demanding this account be deleted from my credit report immediately. I have never had an account or contract with XXXX XXXX.
Product: Mortgage

I have a serious situation on how did my Mother 's Name Get removed off her Mortgage statement? In 2012, my mother passed away and I was the co-borrower on on home mortgage.At that the XXXX XXXX was the Loan Holder.I submitted my mother 's death certificate to XXXX XXXX and her name was removed off the mortgage statement.When I submitted the death certificate I was not listed as the Power of Attorney on the Death certificate.I kinda felt something wasn't right because soon after the loan was sold to Penny Mac mortgage company.What I am trying to find out is how am I liable for a loan of my deceased mother and I am not the Power of Attorney on her death certificate.This seems like they sold the loan and removed her name and the death certificate never transferred to the next mortgage companies the purchased the loan.It Seem like her death was used as financial gain.Please look into this Grave matter.
Product: Debt collection

Synchrony Bank ( managing PayPal credit card ) has placed a fraudulent charge in my PayPal credit card. 
Have have been constantly harassing with phone calls asking to pay something I bought using my PayPal money that is in my PayPal account. 
They call me from the phone # XXXX XXXX XXXX demanding payment. 
I have spoke to them back in XXXX and XXXX XXXX and also this past XX/XX/21. 
When I requested to speak to a manager and confronted him about the fraudulent charges, he came up with the excuse that back in XX/XX/21, I had made some purchases from a XXXX online store named XXXX and the PayPal money account had requested their help. 
I told this manager that the credit card is not involved in any form or way in the mentioned purchase. I explained to him again that I paid with my PayPal money and that the purchase was returned to XXXX in XX/XX/21 because they falsely advertised the merchandise and sent me something I could not use. 
I asked this man to close the credit card PayPal account ( which I never asked for ). 
I want these crooks to stop bothering me and to remove any notice that may have added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

for over a year now I have been trying to get a bankruptcy taken off of my credit report because I have never filed a bankruptcy in my life. my son has filed several times but I don't have anything to do with that. Its not me, I have tried to get this issue taken care of several times but Experian will say that they have requested the information from a 3rd party investigation service which is XXXX XXXX. I have found out that Experian has not requested the services of XXXX XXXX in over 6 years and are simply rereporting what they had with out doing a investigation in the first place. I have a full XXXX   XXXX  report and it clearly states NO BANKRUPTCIES! I have been a victim of identity theft and i need help to fix this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX BANK XXXX # 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 that a consumer reporting agency can not furnish a account without my written instructions